| 05/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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To the Bureau : The need for reporting this to you as a consumer to the consumer financial protection Bureau is You maintain and regulate records of event that is affecting consumer like me that somehow we need to address this for in order to irregular deceiving practice are capture. So my purpose is to let you know about any unacceptable and unequal and illegalities this company in getting away in regards to my right. I seek of you for guide and assistance I trust you will help me to correct what I am about to share with you. I will do all my best to be as clear of this has taken in place for you to have an understanding the implication and the series of violation I have discover on reviews this car loan. During my discovery I have said to myself how can this all be done and how they can get away. At one point I say maybe is it me that I am not understanding of how things works, and to better understand this. I have educate myself as much as I could in order to put in writing whether the finding are not on what I am supporting can only be discover if this get to be investigate, and this is way I am reporting this I have put of hours loss of sleep as I was mistreat disrespected, victimized during this complain Not doing anything about it was not an answer If I did not do anything about it would have been was irresponsible of me. Hope that this will help many other as I am convince that this is not the only case but less assume it is for our sake. I wish it was, but I doubt is not. It will be up to your organization to seek this further. I also like to share with you that I was one that did not review my credit profile often I as should, and now that I am have had several problems with other account each of them very unique issues to address but all come to be the same when in regard to violation of customer right. Also my personal information have been stolen 3 times in the last 15 years which is making even further to clean discrepancies is an easier way, but is has not. I am so glad that we have in place an organization like this. I so thank you very much for the time and effort that you will put on this, thank you can never be enough but is a start! XXXX XXXX On or around XXXX I was in the process of reviewing my credit report profile. I discover that one my car loans that was open wit h Volkswagen Credit a nd it was closed in XXXX XXXX , XXXX . There was a negative remark reported on that account, because of been ag e 4 more plus years. I did not impacted my credit badly is is normally at first when having reported in credit file one 30 days late. I then research my records as I suspected I was not late in any of the payments on this loan. So they reported that on XXXX XXXX I was 30 days late. I like to say prior this car loan I have h ad 3 more loan wit h Volkswagen Credit and my current loan is with Volkswagen I have never been late in any of this loans putting it all together I have been a loya l costumer, but this time something was not right so I initiated a dispute with XXXX about the one time 30 late . Note : that the account has been closed since XXXX . And to some degree if was still have adown effect on my score. So having an error on their part it would have been not a problem to get it remove, but it has not been the case. They responded to credit reporting borrow as verified. Here were problem got complicate, so call then directly and ask that I would like to dispute th is 30days late report so they over the phone yes that was the case, I told them and ask if they any document to support that? I was told dont have to show me anything because the account has been closed and it did not matter. I say that there must be an error, they responded is impossible they say the error was not mine because I did not paid in time . Well things were getting ugly hangin up the phone talking in a abusive manner. I could believe or not get the person understand that if they dont have any record of it how was it reported back on XXXX XXXX or XXXX XXXX Note : I am not sure when it was reported but base on credit file account was last update when it closed which make cense. What was more disturbing is that they new I think that I was a long time costumer that never had any problem you thin k that may hav e help not at all. I would hate to think if you just new costumer what will be like. Net thing I did I call again and ask for all the records for the account I was specific what I needed they responded not be able to receive any of documents because simple they dont have it. They next thing I did was putting my request on writing with need a respond back from them. On the letter send to them I was very specific what I was disputing, why should be delete So the question was : Was there a late 30 day pass due payment received by you from me? yes or no if no to please delete the record, if it was indeed late to prove it to me as I told then that my bank statement prove otherwise they say they could not use my record I was not longer able to make any demands Wow! I also have say that any other issues arise from this dispute was not what I was disputing they only thing was this negative information Note : the account was closed and paid so that say practically there should not be any update on the account unless like in this case I discover a negative item that I was not aware place on credit file. I am going to summarized what took place the following day of me sending document. I got an alert from muy credit file saying that something change on my credit file. So what came in mind was oh good that must be the file that I have requested to be delete. To my surprise that was not the case, so what happen and what they did was far much worse before disputing b y two factor one they delete and then use XXXX XXXX as the new date or corrected they should have input then, but here is the deal I was not ever late on any month period have proof that they dont want to see or deal with XXXX and they would not give me any proof neither. So here is where it stand they would remove anything on the account that what they are reporting is accurate. I give up! Now as you have read this complain they are in violation in several aspect as I have received few documents from then that shown nothing more than a bunch of numbers on an exel file with not any document to back it up. So on reviewing that discover many more issues. Here few when requested for payoff amount what was ask what I send there was a big descripancy they should have return about {$990.00} dollars back to me. When I ask what is going on they have an answer for whatever it was so for them to say that there is not error. I will please beg for you advice and to the assistance to who can help to resolve thi sand to properly have an investigation on them, but must importantly they need to be told that infact they have to be delete that wrong reporting now they also damag e my cr edit score by almost XXXX points because they have reaging the account delete all the payment history as not reported is as bad as saying they receive any payment. I have not included record with this report but I like to confirm that I have all the records to support why should not have been place plus there is an amount of money that I demand to give it back to me as they should have! Please help in needed. Thank you! Volkswagen credit department staff did not following protocol as a result they have violated my Rights Un der the Fair Credit Reporting act for the following Please note : In the way I am writing this complain is : by explaining my side of the story with fact center with my case, and by inserting what the law mandate and is required from the creditor and lending companies need to abide. They are in violation by not requesting for permission when conducting an independent internal review if account that was not part of a request of a dispute. I this case I was very specific when making the dispute what I need it for them to clarified. Communication was also done in writing which I have proof to support this that a review of account was conducted under different criteria, they could have done what it call soft inquiry without having to have any effect on my credit profile which I know in this case they dont have to ask for permitting to only perform account reviews without changing any information, on this instant was irrelevant. Before You Get a Consumer Report the law says : You must : If credit report is required to follow up when customer request and investigation you are get written permission from the customer This can be part of the document you use to notify the person that you will get a consumer report. If you want the authorization to allow you to get consumer reports, make sure you say so clearly and conspicuously. I have writing in a letter send to them and give then authorization to review the account to the specific item in dispute and nothing else, in the event they find that item in dispute is valid to delete if other finding to please notified me of such with documents to support their finding Note the authorities or agencies reviewing what I am disclosing I have proof documents to support this statement Certify compliance to the company from which you are getting the applicant or employee 's information. You must certify that you : o notified the applicant or employee and got their permission to get a consumer report ; o complied with all of the FCRA requirements ; and o will not discriminate against the applicant or employee or otherwise misuse the information, as provided by any applicable federal or state equal opportunity laws or regulations. Volkswagen Credit Department is in violation by not informing me or I have been informed instead they have respond with confusing letters by misleading information to customer which is like not informing correctly is like not reporting at all. They are violation by not communicating to me before any action taken, they have after placing adverse action on my account without any documented records to show the validity to support the action taken. I have giving them plenty of opportunity to do so. I was not succefull in obtaining such records There forth they are violation Before You Take an Adverse Action Before you reject a job application, reassign or terminate an employee, deny a promotion, or take any other adverse employment action based on information in a consumer report, you must give the applicant or employee : Giving the person the notice in advance gives the person the opportunity to review the report and tell you if it is correct. They are violation by sending and communicating misleading information that is not or was not in relation to alleged dispute that was requested. I have documents proof to support my affirmative facts of event that have taken place from the beginning of initial dispute request After Take an Adver se Action If you take an adverse action based on information in a consumer report, you must give the applicant or employee a notice of that fact orally, in writing, or electronically. An adverse action notice tells people about their rights to see information being reported about them and to correct inaccurate information. The notice must include : the name, address, and phone number of the consumer reporting company that supplied the report ; a statement that the company that supplied the report did not make the decision to take the unfavorable action and ca n't give specific reasons for it ; and a notice of the person 's right to dispute the accuracy or completeness of any information the consumer reporting company furnished, and to get an additional free report from the company if the person asks for it within 60 days. Please Note : In addition the the Credit reporting bu reau is in violation for not reporting to me the adverse action that took place on my account Volkswagen Credit violate my rights under The Fair Credit Billing Act Charter Billing and Credit In Violation under Sectio n 161 Correction of billing errors By not clarifying dispute in relation to account when request for documentation when costumer asking on alleged account in dispute.
In violation under Section 162 Regulation of credit reports In violation under Section 164 In violation under Section 166
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| 10/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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On XX/XX/2021 I approached XXXX XXXX XXXX of XXXX to extend my consumer credit for a consumer transaction. Upon entering the building, I was introduced to XXXX XXXX. XXXX and I shared pleasantries and began to discuss the transaction. Notice was given this transaction is intended to be a consumer transaction and I would like to extend my consumer credit. XXXX let it be known an application was needed. Not a problem. XXXX said " paper was not an option and application was all electronic ''. With that being said, I left with the particular detailed information of the car. Upon filling out the application, I noticed the dealership of the consumers private personal financial data value pursuant ucc 1-202 and ucc 1-204 . Once the application was complete, communication by way of text messaging to XXXX was initiated. XXXX communicated the loan was denied and a cosigner would be needed. The only way the dealership could assist me was if a down payment was brought in. I responded by requesting the lender that the consumers account with XXXX XXXX of XXXX of XXXX was sent to for such a decision being made on behalf of the consumers credit and if the dealership participated in the Truth in Lending Act. The account was sent to a third party by the name of XXXX XXXX XXXX. As for if the dealership participates in the Truth in Lending Act, he never answered. During this conversation with XXXX, my consumer credit file was also ran more than once which in turns further hinders and injures my consumer credibility. These false and misleading tactics are in direct violation of the Truth in Lending Act and Regulation Z and directly withholds and conceals the consumers credit from the consumer.
16 CFR 433.1 - Definitions.
433.1 Definitions.
( a ) Person. An individual, corporation, or any other business organization.
( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.
( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer.
( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.
( e ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z.
( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof.
( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof.
( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.
( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers.
16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.
( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
15 U.S. Code 1662.Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Uniform Commercial Code 1-202. Notice ; Knowledge.
( a ) Subject to subsection ( f ), a person has " notice '' of a fact if the person : ( 1 ) has actual knowledge of it ; ( 2 ) has received a notice or notification of it; or ( 3 ) from all the facts and circumstances known to the person at the time in question, has reason to know that it exists.
( b ) " Knowledge '' means actual knowledge. " Knows '' has a corresponding meaning.
( c ) " Discover '', " learn '', or words of similar import refer to knowledge rather than to reason to know.
( d ) A person " notifies '' or " gives '' a notice or notification to another person by taking such steps as may be reasonably required to inform the other person in ordinary course, whether or not the other person actually comes to know of it.
( e ) Subject to subsection ( f ), a person " receives '' a notice or notification when : ( 1 ) it comes to that person 's attention; or ( 2 ) it is duly delivered in a form reasonable under the circumstances at the place of business through which the contract was made or at another location held out by that person as the place for receipt of such communications.
( f ) Notice, knowledge, or a notice or notification received by an organization is effective for a particular transaction from the time it is brought to the attention of the individual conducting that transaction and, in any event, from the time it would have been brought to the individual 's attention if the organization had exercised due diligence. An organization exercises due diligence if it maintains reasonable routines for communicating significant information to the person conducting the transaction and there is reasonable compliance with the routines. Due diligence does not require an individual acting for the organization to communicate information unless the communication is part of the individual 's regular duties or the individual has reason to know of the transaction and that the transaction would be materially affected by the information.
Uniform Commercial Code 1-204. Value.
Except as otherwise provided in Articles 3, 4, [ and ] 5, [ and 6 ], a person gives value for rights if the person acquires them : ( 1 ) in return for a binding commitment to extend credit or for the extension of immediately available credit, whether or not drawn upon and whether or not a charge-back is provided for in the event of difficulties in collection ; ( 2 ) as security for, or in total or partial satisfaction of, a preexisting claim ; ( 3 ) by accepting delivery under a preexisting contract for purchase ; or ( 4 ) in return for any consideration sufficient to support a simple contract.
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| 03/26/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I sent the following shown below and did receive a response from Audi Financial Services. They lost check ( s ) the dealer sent to them via XXXX. They finally sent me a plate relinquish letter for my new vehicle. They refused to pay me the {$2400.00} due to them stating that their automated response said it was a XXXX XXXXr payoff amount. I told them that there were XXXX different payoff amounts and the payoff amount given to me was misleading as it doesn't tell the consumer that tax is not included in the payoff. They told me their systems aren't made for XXXX and they need to upgrade their system. I told them I will contact the appropriate parties to ensure I am reimbursed the {$2400.00}.
In addition, unfortunately theres only a few correspondences via email, as XXXX the woman who spoke with me who represents the XXXX office of Audi Financial Services ( AFS ) always called me via my cellphone.
Any help would be greatly appreciated.
Kind Regards, XXXX XXXX Letter sent on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, VA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXt of Volkswagen Group of America XXXX Inc. and head of XXXX XXXX in XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at Volkswagen of America , Inc XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX : Audi Financial Services Account # XXXX VIN : XXXX XXXX : Sent via email and Certified Mail Dear XXXX XXXX, On XX/XX/XXXX I sold my vehicle to a private non-XXXX dealership. When doing so, the amount I was given by an automated system when calling Audi Financial Services, was {$28000.00}. Mind you, I tried several different times prior to that day in order to ensure the amount being told to me was accurate. Many different times, due to the unprecedented times of the COVID-19 pandemic, I was unable to speak with someone.
The purchasing dealership XXXX XXXX sent XXXX different checks to Audi Financial Services in the amount of XXXX XXXX and XXXX XXXX dollars ( {$28000.00} XXXX, yet it was never received. I then tried to pay off my vehicle via my XXXX XXXX credit card, but the representative said they only accepted a check or money order. I then had XXXX XXXX send out a XXXX check in the amount of {$28000.00} via XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( tracking # XXXX XXXX XXXX XXXX. This was sent on Wednesday, XX/XX/XXXX and was delivered on Thursday, XX/XX/XXXX and signed by XXXX XXXX at XXXX XXXX.
Let me rewind for a moment to the time prior to me sending out the {$28000.00} check via XXXX. You see, I was told that the payoff was not in fact the {$28000.00} I was given, but {$30000.00}. This was an additional {$2400.00}. Since the buying dealership for my vehicle already sent XXXX checks for {$28000.00} and it wasnt received yet by XXXX, we were told by the representative to send the additional shortage due, to pay off the vehicle and have the title released. The buying dealership did this by sending an additional check via XXXX XXXX XXXX XXXX, in the amount of {$2400.00}, XXXX tracking # XXXX XXXX XXXX ). The address it was sent to was XXXX XXXX XXXX XXXX, XXXX XXXX, Chicago, IL XXXX. It was received on Wednesday, XX/XX/XXXX2021 at XXXX CST and signed by XXXX XXXX XXXX
I have contacted Audi Financial Services at least XXXX XXXX XXXX XXXX different times since the checks were received, since the checks werent cashed. I had to ensure the checks were processed and attached to the proper account mentioned above. Still, today on XXXX XXXX, 2021, XXXX ( XXXX XXXX days later, the account is still showing not paid in full. After speaking to both supervisors XXXX on Friday, XXXX XXXX, 2021 and XXXX, today XX/XX/XXXX 2021, I was told they cant find the check in the amount of {$2400.00} XXXX check # XXXX XXXX. XXXX told me she wasnt sure how long this would take since its another department she needs to reach out to. Her lack of wanting to help is not what XXXX is known for and the customer service or lack thereof, is unacceptable. She asked about having me send her via fax, the front and back of the cashed check in the amount of {$2400.00}. I explained it was never cashed and XXXX needs to locate the XXXX piece of mail and process it in a timely and professional manner.
I explained that I am not able to register my new XXXX since my XXXX XXXX is attached to the XXXX and XXXX will not release the relinquish plate letter, until the car is paid in full. XXXX weeks ago, I was told as a courtesy theyll waive the late fee since the payment wasnt processed and I never had a missed payment. I also was assured that my account would not be sent to collections. In reality, should I have received such late fee and/or sent to collections, I would take the appropriate steps to ensure that was rectified as it was in error due to XXXX and not cashing the several different checks sent to them.
Now that I have mentioned all the above, I encourage you to pull all the tapes of correspondences I have had with the many different representatives with regards to my vehicle being paid off and the payoff amount being told to me and the dealership. There never was consistency and I was rarely able to speak to a live person. Legitimately I had to call back forty ( XXXX XXXX times, if not more, until I at least could be placed in the queue to speak with someone, on several different occurrences.
I am requesting that Audi Financial Services ensure that the check in the amount of {$2400.00} is actually cashed and processed to the account. I also would appreciate a plate relinquish letter sent to me in order to register my new vehicle with my XXXX XXXX XXXX XXXX. My in-transit or temp plate expired on XX/XX/XXXX and I have an additional XXXX days after that for my vehicle to be properly registered. I also would like to ensure that my title of my vehicle is sent in timely manner to XXXX XXXX, the purchasing dealer to my vehicle.
Furthermore, I would like XXXX to pay me back the monies of {$2400.00} due to being misled and given multiple different quotes within the same time period, and then not being able to speak to a live individual to confirm the actual price. This was completely out of my control and no fault of my own. The automated system gave me an amount and never said there were XXXX other amounts, which included a private dealer payoff quote and an XXXX dealership payoff quote. If that is not done, I will take Audi Financial Services, XXXX XXXX XXXX and its affiliates to court, to ensure I am being treated fairly and equal. In addition to the {$2400.00} owed to me, I will also seek additional damages as appropriate including attorneys fees.
I also will be requesting any fines, if any, that I incur after XX/XX/XXXX2021, to be paid by XXXX. This is due to XXXX not processing checks sent to them in a timely manner and not allowing me to register my new XXXX vehicle.
You may reach me during the day at XXXX or in the evenings at the same number. Please keep in mind that I do travel for a living and therefore should I not be able to answer your call, I will respond to you as soon as I am able to. I am also available via email at XXXX. I eagerly await your response and I appreciate you time and attention to the matters mentioned above.
Their XXXX response : XXXX Good Afternoon, Your email contact to XXXX XXXX, XXXX XXXX and XXXX XXXX has been received. After review each has requested we ensure the proper parties are engaged towards your concern.
Since our team does not have access to your personal financial account information, we have forwarded your email to the Audi Financial Services XXXX team for further handling. Please expect contact from XXXX directly regarding your email.
While we regret the circumstances that have prompted your contact, we appreciate this opportunity to get your contact into the correct hands and provide acknowledgement of your contact.
Warmest regards, XXXX XXXX XXXX Case XXXX, XXXX XXXX My Response XX/XX/XXXX : Good afternoon XXXX, I appreciate your email and I look forward to hearing from the XXXX offices of XXXX.
I sent XXXX separate certified letters to XXXX, XXXX and XXXX as well, as I mentioned in the email.
Again, thank you for contacting me and I look forward to a prompt resolution.
Kind Regards, XXXX XXXX XXXX XXXX ) XXXX My response XXXX : XXXX, XXXX called me and told me I am in jeopardy of losing my XXXX XXXX since XXXX still hasnt released the plate.
I havent spoke to anyone from the XXXX XXXX office, either.
Please ensure this is done in a timely manner.
Very truly yours, XXXX XXXX XXXX My response XX/XX/XXXX : Good afternoon, on XX/XX/XXXX I was contacted by XXXX who works in the XXXX office of XXXX. During this call she told me that there is a rigorous process when it comes to being investigated when an email is given to the XXXX office. I was told that she was going to call me yesterday XX/XX/XXXX but unfortunately I never received a phone call.
Today I did leave a message for XXXX via voicemail as I do not have her email. I explained that the state of Rhode Island has been more than kind and patient and allowed me to keep my XXXX play on a vehicle that is no longer insured with the state of Rhode Island.
I need my plate relinquish letter from XXXX sent to me immediately so that I can put the plate that was previously on my XXXX now on the XXXX.
It is mind-boggling to me that a company such as XXXX lost a check that was priority overnighted via XXXX and to no fault of my own, are holding me responsible and holding my plate so that I cant get my new vehicle registered properly.
I request that this is done in a timely and professional manner and the plate relinquish letter is immediately sent out.
Kind Regards, XXXX XXXX XXXX My response XX/XX/XXXX21 : Good morning, as an update I have been given a plate relinquish letter so that I can register my new vehicle. I still have not heard as to if the transaction between the buying dealership and my vehicle has been done. I do know that the vehicle still was not paid off as of last Friday and the XXXX for the dealership called me and told me that they didnt cash the {$2400.00} check and therefore he sent them another check.
It is mind-boggling to me that such a company like XXXX to lose a check that was XXXX XXXX XXXX and signed.
The last time I spoke to XXXX was XXXX weeks ago, yet I havent heard from her since, and I did leave a detailed voicemail asking for her to call me but she never did.
Im still requesting the {$2400.00} be refunded to me due to lack of availability to speak to a representative and being told over the phone something different in price versus what the actual price of the payoff was. XXXX did tell me that the automated system does say that it is a different amount and the amount being given is the lease holders price to payoff the vehicle, the the third party dealer or XXXX dealer. Although I dont agree with that, the amount I was given still wouldnt equal the true amount because it doesnt include taxes for the state for where the car is registered, which is misleading.
I would like to come to an amicable solution as soon as possible as this has taken long enough.
I look forward to hearing from the XXXX office of Audi Financial Services in a timely and professional manner.
Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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THIS IS NOT A DUPLICATE COMPLAINT! SAME COMPANY, DIFFERENT ISSUE.
On XX/XX/XXXX I contacted VW Credit regarding the issues of a release letter provided to me by VW Credit on XX/XX/XXXX to pick up my car. I informed VW Credit that the XXXX XXXX XXXX would not allow me to pick up car due to parking tickets owed to XXXX XXXX XXXX. I informed VW Credit that I have been having this ongoing issue for some time and have been barred from access to my vehicle since it was repossessed by VW Credit from XXXX XXXX XXXX for parking tickets. VW Credit on XX/XX/XXXX apologized for what was going on and stated that they would contact the towing company to find out what is going on and reiterated that my car may be released and I do not have to pay any boot, storage or other fees. They also informed they would look into this.
After speaking with VW Credit, I decided to contact XXXX XXXX XXXX myself on XX/XX/XXXX who proceeded to tell me that they can honor VW Credit release to pick up my car, they informed me that the release does not expire and that I can come at any time to pick up my car during their hours of operations. I reaffirmed me picking my car up in the month of XXXX.
Thereafter speaking to the car company, I received another call from VW Credit who informed me that they contacted XXXX XXXX XXXX who informed them that I must first re-register the car and pay parking tickets in order to have my car released to me. I informed VW Credit that this is new information and that I just spoke with the XXXX XXXX who did not inform me of this. VW Credit agent proceeded to inform me that the car must be re-registered first and parking tickets paid as per the XXXX XXXX XXXX .I requested an investigation to be opened and the immediate release of my car in this conversation. THERE WAS NO FOLLOW UP FROM THIS CALL. I WAITED FOR AN INVESTIGATION TO BE OPENED.
On XX/XX/XXXX I received a missed call from VW Credit, when returning back VW Credit call back, I anticipated this call was in response to my vehicle release, however to my surprise they were calling me to make my last payment on the loan. I asked VW Credit whether they looked into the issue of parking tickets and whether they have spoken to the XXXX XXXX about the release of my car. I also asked for an investigation and the immediate release of my car again. I also requested to speak with a supervisor. There was no supervisor present to speak with me and they stated that someone would call me back.
ATER NOT hearing back from VW Credit or from a supervisor or further information about investigation that I requested twice, I decided to drive to the XXXX XXXX on XX/XX/XXXX to find out firsthand what is happening and why I am being given inconsistent information about the release of my car.
When I arrived to the towing lot XXXX XXXX XXXX, XXXX, NY, around XXXX, I was told to call the XXXX XXXX XXXX at XXXX XXXX and once they state the car can be released, the car will be brought to the front.
I dialed the number XXXX XXXX XXXX at XXXX and spoke to representative XXXX XXXX at XXXX. I was told by XXXX XXXX that they are unable to release my car due to VW Credit who asked them to place a Mechanical lien on the car on XXXX, she stated an email from VW Credit was sent to XXXX XXXX XXXX Ms. XXXX proceeded to inform me that I would need to contact VW Credit in order to get release for my car to be picked up. She informed me that she can not release my car without a letter from VW Credit.
I called VW Credit immediately at XXXX and was on hold for approximately 20 minutes after explaining to the representative that I am at the tow lot to pick up my car and am being denied access to get my car. The representative informed me that she could not provide any information and that I must speak with a supervisor. The representative placed me on hold for an additional XXXX minutes I informed the representative that I was at the lot and would like to know why I can not get my car. I then asked the VW Credit agent to verify an email sent on XX/XX/XXXX regarding a mechanical lien being placed on my car. The representative confirmed that she did see some internal correspondence about a mechanical lien on XX/XX/XXXX in VW Credit notes XXXX which I have never seen or had access to or any knowledge of ). I raise my concerns to the agent including the facts that never received anything in writing about a mechanical lien nor verbally and had just spoken to VW Credit on XXXX of which they never informed me of a mechanical lien on my car. The representative after putting me on hold for another 10 minutes proceeded to tell me that she is unable to provide any further information and a I must speak with a supervisor however the supervisor is unavailable to speak with me now and they are backed up so this may take 24-72 hours. The agent affirmed that she understands that I asked to speak with a supervisor the last time I called in on XXXX and never received a call back. The representative informed me that there is nothing she can do.
I then hung up with this representative and called VW Credit again from my phone at XXXX. I informed the agent that I had just spoken to another agent. I informed the agent what was happening including being at the lot and being told there is a mechanical lien on the car and asked the representative to look into what was going on with my car. I raised my concerns including the following facts : I never received any written or verbal notice I had just spoken to the lot on XX/XX/XXXX What was the basis of this lien Who is responsible for my car Why did VW Credit give my car away without notifying me How legally has my car I was on this call for 59 minutes * I was placed on hold first for 20 minutes and was told by the agency that he is getting assistance from the support office on my concerns.
The representative the informed me that the XXXX XXXX is the one who put a lien on the car with the state, when I asked why, they stated because the car was on the lot and I did not pick it up, I reiterated and explained my concerns that the towing company did not allow me to pick up my car until XXXX and actually reverted this to VW Credit on the same day. I also informed that I called about this issue to VW Credit and complained multiple times about the release of my car.
I was told by the agent that there is nothing they can do. My car has been given over to the towing authority and the only way to get my car is if the Towing company released it.
I informed the agent that the Towing company said the opposite and informed me that I can only retrieve my car if VW Credit wrote a letter. I continued to state my concerns and my rights being violated and the dishonesty and lack of integrity and following laws. The agent informed me that on XX/XX/XXXX an agent informed me that I had 7 days to pick up my car, I asked the agent to review the call on XXXX as this was never stated to me. I was told by the agent that they will review the call and get back to me however there is nothing they can do and they cant answer my other questions and they also stated that they would contact me back after reviewing the call. They also informed that they have no way of releasing the car for me. I asked the agent if he would be willing to conference in on a call with the towing company and he agreed, however when conferencing in, the agent for VW Credit disconnected his call. I was therefore on a call with the towing company and provided them with the updated information about VW Credit including the fact that VW Credit informed me that the Towing company is the one who must release the car. The towing company informed that they can not release the car until VW Credit provides a letter in writing. I proceed to ask the Towing Company who initiated the mechanical lien and why, I was told by XXXX XXXX that the mechanical lien was initiated by VW Credit who cleared the towing company to file mechanical lien against the car. The Towing Agent also informed me that she has an email from VW Credit agent XXXX XXXX on XX/XX/XXXX who states I have no intentions on getting my vehicle and asked XXXX XXXX to initiate a Mechanical leave against my car. The email was deceptive, dishonest and falsified information in my name which led to the mechanical lien of my car.
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| 01/09/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Volkswagen Credit XXXX is attempting to collect debt and is using abusive actions pursuant to the Federal Debt Collection Practices Act. Volkswagen is labeled a debt collector according laws stated below.
15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Volkswagen Credit Inc is in violations of federal laws pursuant to The Fair Debt Collection Practices Act. As per federal law Volkswagen Credit Inc is liable for ; 15 U.S.C 1692k-Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
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| 10/01/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Confusing or misleading advertising
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Web |
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I've recently experienced what I believe is unethical practice from Volkswagen Credit. I had always planned to purchase my vehicle by financing through my XXXX XXXX. I was told there was a representative of my credit union at the dealership to facilitate the loan. But when I went to pick up my vehicle I was told I needed to lease the vehicle so I could get the benefit of the electric vehicle incentives, that they told me was to offset inflation, and that was not guaranteed... They were helping me out. I told them I would switch to financing through my credit union in the next couple months. They said it would not be a problem.
A few months went by and in XXXX I notified the dealership that I wanted to payoff the lease through financing with my XXXX XXXX. I was told I would need to come into the dealership. So I did. But when I was there, I was told they could not do that. I would need to call VW credit. I went to my credit union for help. The loan officer called for a payoff amount and the paperwork. We were told we would need to wait for them to send me the paperwork in the mail. This took a couple more weeks. As soon as I received the paperwork, I went back to the credit union loan officer, who cut a check for the pay off amount listed on the paperwork, although the payoff amount ( @ {$36000.00} ) was much higher than the remaining cost of the vehicle ( @ {$21000.00} ). We submitted the odometer and title paperwork.
Now, at the end of XXXX, although they have cashed the check for $ XXXX, I am being told that I am overdue on my lease payments and being charged late fees. I am told they will not accept the paperwork my loan officer submitted ( who has completed lots of car loans ). I am told that because the check did not get to VW credit on time, the payoff amount has changed, and I am in arrears.
It seems to me that this tactic of not letting me payoff my lease directly, slow walking the information to pay off the lease, has resulted in them charging me hundreds of dollars. I feel I was given false information. They were slow to mail terms to pay off, which put me into the next month, with added interest payment. When I called in, I was told there was no way to electronically send the forms, which also slows down the process, resulting in more paid in interest.
This is only the latest problem with Volkswagen Credit I've experienced. The following is the initial complaint I filed with XXXX regarding what I found to be misleading and fraudulent practices : From : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX Subject : Re : XXXX Please confirm you have received my complaint. I would like to know whether Volkswagen is considering changing its reservation process so people who reserve can compare dealer prices. Should I expect to hear back about my personal experience purchasing the XXXX?
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reserved my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, as it it is marketed as a moderately priced electric SUV with MSRP just over {$50000.00}. For the next 9 months I was budgeting for that amount.
I received emails that it would be here soon. In fact I was notified by XXXX XXXX that it was out for a test drive with someone else. Then they said they were mistaken.
I checked the car ads. They were advertising my vehicle, XXXX XXXX XXXX XXXX for {$54000.00}. It was over MSRP, but I thought I could live with it.
XXXX XXXX dealership in XXXX reached out to me on XX/XX/XXXX to tell me my XXXX had arrived. I told them I was getting over XXXX and would like to wait until the following weekend to pick it up, when I could also get my financing in order, transfer money in my accounts. I was told they would only hold my vehicle for 5 days then sell it to someone else. I XXXX XXXX and went to the dealership to pick up the car that Sunday.
Thats when they told me I would need to pay more than {$61000.00} for my vehicle, because they could sell it to someone else for that amount. I felt trapped. I could not move my business to a different dealer. If I ordered another car from the factory, it would take another 9 months and would not be built in XXXX ( which I preferred. ) I was told that the state and federal incentives were available to bring the cost down closer to XXXX. I told them the purpose of the incentives is not to counter inflation but was to encourage people to switch to electric. They stuck to their story that the state is offsetting inflation to normalize their price gouging me.
They talked me into the lease instead of financing because I hadnt had time to get my money in order. They did not put the {$500.00} I had spent reserving the car toward my cost. I had to return to the dealership a couple of times to get that money back.
I did not get a test drive or any explanation of the vehicle. When I was leaving with the car, I was told I would have to return for a XXXX for the vehicle. I guess it had not been fully set up yet.
It would have been helpful if I could have compared prices ( mark ups over MSRP ) between dealerships so they could compete for my business. so I could have had a choice on how much markup I would be willing to pay for the convenience of picking up my car near my home. As it was, they could charge me anything, and they did. They cashed in on the state and federal rebates with none of it coming to the consumer. If Id known ahead of time, I could have flown to XXXX XXXX XXXX to pick up my car and paid less.
I believe I was over charged for the vehicle because they did not have to compete for my business. I had no choice but to pay whatever they asked to get the vehicle I had reserved. I was pressured to come in while I was still XXXX XXXXXXXX XXXX XXXX because they said they would sell it to someone else.
I believe the {$11000.00} mark up was excessive, made possible because of the lack of competition in the reservation process. I was pressured into making the deal. Sent out with a vehicle that was not fully set up and serviced.
I am stuck with service contracts through XXXX XXXX, a dealership I do not trust.
I thought Volkswagen was trying to regain public trust with their new XXXX My experience purchasing this vehicle does not engender trust. I am hoping Volkswagen will do something to make right on my purchase of the XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX wrote : Hi XXXX XXXX Thanks for reaching out, Im very sorry to hear that your experience picking up your XXXX was not what you were anticipating.
Do you mind starting with your best contact phone number, full postal mailing address, and the name of the dealer where you picked up the car? Then I would be like to know a little bit more about your experience.
Thanks, XXXX XXXX XXXX XXXX XXXX Volkswagen Customer CARE Volkswagen of America , IncXXXX XXXX XXXX XXXX XXXX XXXX United States of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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On XX/XX/XXXX, I was given information by Volkswagen Credit that they had made a processing error during the billing cycle of XX/XX/XXXX of which led to a payment extension that appears to have been claimed as accidental by the company. This was in response to my challenge of inaccurate credit reporting where Volkswagen Credit reported XXXX and XXXX of XXXX as 30 days late and XXXX and XXXX of XXXX as 60 days late after I requested and was promised a Covid relief for the months of XXXX, XXXX, and XXXX of XXXX. Within this challenge and/or complaint, I gave the amortization schedule produced by the company that downloaded and saved on XX/XX/XXXX directly from my online account as proof that Volkswagen Credit was not correct in their statement and credit reporting of the loan being extended from the original XXXX term to a XXXX term after payment extensions were granted for the account- of which would help prove my claim that XXXX payment extensions were granted to me and not the XXXX as claimed by the company. This documentation was not addressed by Volkswagen during their investigation even though imperative information such as the term of the loan being reported for 79 months was made by them. Just as the processing error for billing that somehow according to Volkswagen Credit happened during the processing for a billing statement during the month of XXXX of XXXX that granted an extension was not discovered until recently even though my first dispute of the late payments reported on my credit report happened in the early months of XXXX. Either the term of the loan is 79 months or 78 months, but neither can be determined due to what is apparently more errors in reporting conflicting information on my account. Furthermore, a refund of {$95.00} of accumulated finance charges were returned to the account by Volkswagen due to the alleged error of extending the payment extension into the month of XXXX of XXXX - a number of charges that has not been disclosed to me and I have no idea if this was added to the principal and has accumulated interest charges, much less the amount of those charges. Considering that the final scheduled payment on the amortization schedule is almost three times the monthly payment without any explanation of why the payment is that much or what additional charges were added to it- it is imperative that a review of my account is conducted with explanations given for those charges. These are at least two possible mistakes that have had a negative impact on my ability to make decisions on how to best handle my account of which has caused and continues to cause substantial financial harm- of which a {$95.00} unexplained finance charge does not cover in righting this harm. Indeed, managing this loan account has been exceedingly difficult due to lack of communication, conflicting information, and even delays of requested documents- some that have apparently disappeared and had to be verified with a letter after a failure to produce those requested copies of original documents for the account. Not to mention the convenience for the company to accept or deny unsigned documents as it best favors them. This convenience also extends to ignoring requests to investigate unauthorized charges made against my account that happened on and or about XX/XX/XXXX. It was enough for them to leave the situation as a mysterious person using the automated system and apparently, they seem to lack records to verify the number that called in around that date to make an automated payment even though this unauthorized charge to my back account caused a great deal of financial harm due to the subsequent late payment reporting on my credit report. They also seem to have ignored the established and primary pattern of payment methods for the account and that my personal bank account was only used once prior to that unauthorized transaction and the primary bank accounts used to pay on the account came from the primary account holder, my ex-husband on the account and his mother- just as the ignored the fact that the account had not ever been more than 30 and more late for almost two years. When the mother of the primary account holder arranged for another payment but had to call in twice after being a victim of fraud to first warn that the second payment would not go through and then had to have her bank account from XXXX XXXX closed due to being a victim of fraud- they also seem to have ignored the good faith to make payments on the account and reported a 30-day late payment on my credit report. Even after they requested the letter to prove that we were telling the truth. These are not the only incidents and issues I have had with Volkswagen Credit. It is completely unfair to me that I am being treated at worse as if I am making things up about the account and at best as if I am the one who is at fault due to my own mistakes about the account even as the company has made multiple billing mistakes and seems to have appropriate record keeping skills that protects my original documents for my account. It is completely unfair to me that I have to repeatedly ask for the same documents only to be told things such as the document has already been given to me or that they can not give me copies of the original documents- especially those documents that could prove that I am telling the truth. It is unfair to be the victim of a processing error of an extended payment for the month of XXXX of XXXX that suggests that I had been given the three months of Covid relief that I desperately needed - especially after losing money from loss of gig work and then finally catching XXXX in XXXX of XXXX when I was too sick to engage in any activity other than attempting to heal from XXXX. There is no reasonable way for me to foresee a processing error that does not state the correct amount or correct date or other such issues - but an error that resulted in extending a payment that I had already requested and not knowing that it was an error and not the result of the three-month extension I requested. There is no reasonable manner for me to calculate and print my own amortization schedule with the company 's - even when it verifies that term of the loan is for 79 months - and there is no way for me to correct it even after bringing it to the attention of Volkswagen Credit. These are things that only Volkswagen can control, not me. It is not as if I can walk into their office and personally demand to check my own account and verify that the company is maintaining proper documentation and billing processing of my account. How many more errors and mistakes do I have to endure to ensure that I receive fair treatment from Volkswagen Credit that safeguards my account and does not punish me for extenuating circumstances or for their mistakes?
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| 02/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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My husband and I are currently leasing a vehicle from Volkswagen Credit. We moved from Maryland to Florida, with the vehicle, at the end of XXXX XXXXbeginning of XX/XX/XXXX. Volkswagen Credits interstate transfer of the title to this vehicle has been pending since the beginning of XX/XX/XXXX, despite it receiving two letters and a fax from the XXXX XXXX XXXX XXXX XXXX notifying it of the urgency to send the XXXX XXXX XXXX XXXX XXXX a copy of the title for this vehicle. As indicated by both of these letters, and the fax, we are unable to register this vehicle in the State of Florida unless and/or until Volkswagen Credit provides the XXXX XXXX XXXX XXXX XXXX with a copy of the title.
I have called Volkswagen Credit each day for WEEKS to follow up on the status of when the title will be sent to the XXXX XXXX XXXX XXXX XXXX, as we have already received two temporary tags for the vehicle, and received notice from the XXXX XXXX XXXX XXXX XXXX that no further temporary tags would be issued. Notably, our current temporary tag expires at the end of this week ( Saturday, XX/XX/XXXX ).
Each time I have called Volkswagen Credit, I am given the run-around and receive further excuses as to why they have failed to provide the title to the vehicle to the XXXX XXXX XXXX Collector 's Office , despite the notices they have received. Most recently, I was informed that they don't have a copy of the title because they are switching title vendors and " one of the title vendors has it but hasn't scanned it in yet. '' Volkswagen Credit could not tell me when they would have access to the title, because they have " literally millions '' of titles, and " Volkswagen Credit has A LOT of other customers who are also in the same situation. '' Volkswagen Credit 's lack of accountability is alarming. Volkswagen Credit 's failure to ensure that it has employed a competent title vendor and/or enough employees to manage the workload for its " millions '' of titles does not negate its responsibility as the creditor to fulfill any legal requirements on its end ( i.e., providing a copy of the title to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to ensure that the vehicle we pay them for EACH AND EVEY MONTH can legally be used. It is alarming that Volkswagen Credit continues to collect monthly payments on vehicles that they know their customers can not use. It is even more alarming that they have such a lack of regard for customers, so as to not consider the daily consequences that this imposes on their customers ( i.e., having to coordinate and pay for alternative transportation to get to and from work/medical appointments/etc., in a remote area with limited public transportation, ON TOP OF having to pay insurance and monthly payments for a vehicle that they can not drive ).
On XX/XX/XXXX I called the XXXX XXXX XXXX XXXX XXXX XXXX to see if anything could be done that would allow me to receive a third temporary tag, because as it stands, we will be unable to drive this vehicle, which we timely pay Volkswagon credit for each and every month, if the title is not received by the XXXX XXXX Tax Collectors Office by the morning of Friday, XX/XX/XXXX ( as their Office is closed on XXXX, and I would need to take off of work, again, to go down to their Office and get the permanent tag no later than Friday afternoon ). I was informed that the only way we can receive a third temporary tag is if Volkswagen Credit were to fax a letter to the XXXX XXXX XXXX XXXX XXXX, on Volkswagen Credits letterhead, to explain the current situation/reasons for its delay in producing this title, and provide them with an estimated time frame for when it expects to send the XXXX XXXX XXXX XXXX XXXX a copy of the title.
To help expedite this matter, and because I lack confidence in Volkswagen Credit, I prepared a draft letter for Volkswagen Credit to send to the XXXX XXXX XXXX XXXX XXXX so that we may receive a third temporary tag. I uploaded this draft letter to my Volkswagen Credit account that same day ( XX/XX/XXXX ), and then called Volkswagen Credit right afterwards and spoke to a supervisor ( XXXX ) to make sure they received this draft, as again, this letter would need to be signed on their letterhead and faxed by Volkswagen Credit to the XXXX XXXX XXXX XXXX XXXX directly, at the fax number I had provided, by the morning of Friday, XX/XX/XXXX before my current temporary tag expires. I explained to XXXX that in addition to this draft, I had also uploaded a letter to my Volkswagen Credit account to memorialize Volkswagen Credit 's ongoing failure to provide this title to the XXXX XXXX XXXX XXXX XXXX.
In response, XXXX stated that Volkswagen Credit would likely need " XXXX business days '' just to send the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to explain why they haven't produced the title to the vehicle, should they decide to send one at all. This is despite the fact that they received the draft that I had prepared for them, and further acknowledged that they have " no way of knowing '' when they will have access to the title for the vehicle, let alone when they will actually get around to sending it to the XXXX XXXX XXXX XXXX XXXX. Although XXXX did say he would try to help " expedite '' the sending of such a letter, assuming Volkswagen Credit decides to send one at all, Volkswagen Credit continues to demonstrate by its actions that anything " expedited '' is done so in name only.
At this point, we have received no confirmation from Volkswagen Credit that they will timely produce either a letter ( as described above ), or the title to the vehicle, to the XXXX XXXX XXXX XXXX XXXX before our vehicle 's temporary tag expires on Saturday, XX/XX/XXXX.
Therefore, given Volkswagen Credit 's failure as the creditor to ensure that the vehicle we are leasing from them can be legally driven, as of Sunday, XX/XX/XXXX we will be forced to incur : - $ XXXX vehicle payment to Volkswagen Credit for a car that can not be legally driven.
- $ XXXX car insurance that we are required to maintain for a car that can not be legally driven.
- $ XXXX ( approx. ) for alternative transportation via rideshare apps, since public transportation is limited in our area. Getting to work alone will be around $ XXXX, considering it is approximately {$25.00} each way ( more during rush hour ), and the commute must be made 4 times every week ).
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| 11/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. VW CREDIT Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX.
I immediately disputed this information with VW CREDIT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1.VW CREDIT Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with VW CREDIT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 07/08/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Confusing or misleading advertising
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Web |
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Summary of Issue # 1 : Volkswagen Credit Inc. pulled my credit from TransUnion 3 times and from Experian 3 times in 6 days. The dealership pulled my credit one time from each creditor. Why did VW credit Inc pull my credit from XXXX XXXX twice and from XXXX twice?
XX/XX/XXXX Alias : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Alias : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Alias : VW Credit XXXX XXXX XXXX XX/XX/XXXX Alias : VW Credit XXXX XXXX XXXX XX/XX/XXXX Alias : VW Credit XXXX XXXX XXXX XXXX XX/XX/XXXX Alias : VW Credit Inc. XXXX XXXX XXXX My request : 1 ) I want them to fix/reverse the amount of hard pulls they did on one credit application Action Taken XX/XX/XXXX XXXX Called XXXX XXXX Credit Wise. Spoke to XXXX and she stated that VW Credit did in fact pull my reports multiple times and that it was not the usual for a creditor to do that for only1 credit application. She stated that I should file a consumer complaint to the creditor first. Then to the crediting agencies, then to the FTC and XXXX
XX/XX/XXXX Called VW Credit at XXXX XXXX XXXX XXXX and asked why they pulled my credit report from TransUnion and Experian multiple times. XXXX advised that I need to send in a dispute letter with a copy of my consumer credit reports to VW credit. XXXX # XXXX On XX/XX/XXXX I contacted XXXX XXXX at XXXX XXXX via e-mail to discuss the issue. He responded apologizing for not getting back to me but included no solution. Followed up with him again on XX/XX/XXXX with no response and then I followed up with him again on XX/XX/XXXX but received his out of office reply.
XX/XX/XXXX : Sent dispute letter to VW Credit Inc. along with all of my credit reports and interactions had with the dealership.
XX/XX/XXXX XXXX sent a denial letter for my request stating that this was the dealerships responsibility and to contact them.
XX/XX/XXXX I called VW Credit Inc. on XX/XX/XXXX and they returned my call at XXXX hrs. on the same day. Originally stated they were waiting for the crediting agency to fix the issue but then stated that my issue was the responsibility of the dealership to fix and that the dealership knows this since they were the ones who have the credit office. She stated that the actual issues originated at the dealership and that her supervisor said the process is to call XXXX XXXX in XXXX XXXX to have them fix their mistake. Advised her that on XX/XX/XXXX XXXX XXXX in XXXX XXXX told me it was the creditors responsibility to fix. Ref # XXXX XXXX ( Customer Service level 1 department ) XX/XX/XXXX : Contacted the dealership and asked for the GMs information so that I could courtesy copy them on to my FTC and XXXX complaint # 1. Contact is : XXXX XXXX XXXX Summary of Issue # 2 : On XX/XX/XXXX when purchasing the car, the dealership told me that they were pulling all 3 credit reports. They told me that my credit was a XXXX but I showed XXXX that my score was a XXXX on one and a XXXX on the other. They told me that my information was incorrect and that their system was more accurate. Then I asked if they for sure pulled all 3 reports and they indicated that they pull all 3 reports. Later found out that was inaccurate.
My request : 1. I want to know why the dealer made false claims ( e.g. we pull 3 reports but then only pull 2 ) 2. Why did they use the lowest score?
XXXX. Where did they come up with a score of XXXX 4. I want their processes sent to me in writing 5. An explanation as to why they used the lowest score because this affected the amount that I pay monthly.
Action taken on my part : XX/XX/XXXX I contacted XXXX XXXX and discussed the issue with someone in finance. He commented on how low my credit score was jokingly and then stated that the 6 inquires is just how XXXX does business and that all car dealerships do the same thing, so they are not going to do anything about it. Explained that my credit monitoring agent and TransUnion said this was out of character for car dealerships and they suggested I dispute. He then told me that XXXX XXXXnd XXXX XXXX were wrong and that I need to take this up with them or VW Credit Inc. I then told him that I will contact VW credit to see if they could assist me with my issue. My coworker was in the car and could hear the man loudly saying mam dont get angry with me and we both responded that I was being polite.
XX/XX/XXXX Talked to another XXXX XXXX employee, XXXX, phone # XXXX XXXX XXXX XXXX and told her about my bad interaction with the finance department and that I wanted to talk to someone who could help me. She stated via text message that she will pass my concern along to the dealership XXXX. No word back as of XX/XX/XXXX XX/XX/XXXX Pulled my credit reports 1. XXXX score as of XX/XX/XXXX and XX/XX/XXXX was XXXX 2XXXX XXXX score as of XX/XX/XXXX and XX/XX/XXXX was XXXX 3. XXXX score as of XX/XX/XXXX XXXX XX/XX/XXXX On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX via e-mail to discuss the issue. He responded apologizing for not getting back to me but included no solution. Followed up with him again on XX/XX/XXXX with no response and then I followed up with him again on XX/XX/XXXX but received his out of office reply.
XX/XX/XXXX Discussed issue # 2 with XXXX at VW credit stated that they do not use XXXX and that the Dealership should know that. That is the way things are done she said and then stated that the dealership should not have told me that. She advised that I send in a dispute letter with all corresponding documentation. Reference # XXXX XX/XX/XXXX : Contacted the dealership and asked for the GMs information so that I could courtesy copy them on to my FTC and XXXX complaint # 2. Contact is : XXXX XXXX XXXX XX/XX/XXXX : Since no solution was provided I filed a complaint with The Federal Trade Commission, the XXXX and the Consumer Financial Protection Bureau as potential fraud.
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| 03/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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On or about XX/XX/XXXX, I received an undated letter from Volkswagen Credit stating that they were going to repossess my car if I did not pay about {$1000.00} on my account by XX/XX/XXXX. I logged into my online account with Volkswagen and made the payment but the program for the site did not take the last two digits of my bank account and only included the first ten numbers of the account. This presented an issue when they attempted to take the money from the account.
On or around XX/XX/XXXX, there were issues on getting help resolve this payment issue. This resulted in an argument with one of their representatives who repeatedly refused to transfer me to another agent for help once she accused me of being the source of the problem and not Volkswagen as if she was gaslighting me. I thought she had hung up on me and I did curse her but she did not hang up on me, insisted that there were no other people available to assist me from the office because they had gone home and I had to hang up to call back and get assistance from someone else. Each time I called, I expressed a fear of losing my vehicle if these issues with processing payments were not resolved. Indeed, about XXXX of last year, Volkswagen credit accused my ex-mother-in-law of using my account to make a payment - information that Volkswagen credit kept without my permission after I had used it in previous months to make a payment. At the time, my ex-mother-in-law was a victim of bank fraud and after Volkswagen was to take money from her account as they normally did- the check bounced multiple times until her bank fixed her account. Volkswagen was informed of this but still charged me late fees and returned check fees of which I had to spend thousands of dollars to bring my account balance current.
These actions caused a great deal of emotional, mental, and financial harm due to a custody battle at the time and I was at risk for homelessness. The late payments were reported on my credit report and my credit score tanked. I attempted to salvage my credit score by making my account current and asking Volkswagen credit not to report my payments as late because I had no control over the circumstances that led to the late payments. Volkswagen continued to report my payments as late to XXXX and XXXX. The money I had spent to bring my account balance current due to the excessive late fees and returned check fees charged by Volkswagen caused me to fall behind in other bills and fall back in making car payments and why I was afraid of falling into this trap again. I tried to explain this to the representative at Volkswagen who continuously interrupted me, denied that this is what happened with Volkswagen by talking over me of which led to the argument between us.
Once it was noted that there was a glitch on the computer system by another agent, arrangements for payment was made once again, except this time, the agent changed the amount of the payment that was supposed to be processed and even added an additional {$50.00} charge separate from the other two payments that were supposed to be pulled from my account. Those funds were not pulled from account even after I called back and was reassured that my account was fine. I called back again on or about XX/XX/XXXX and was informed that either I or my bank had stopped payment on the account. Neither my bank nor I stopped payment. In fact, the only stopped payment on my bank record for the month of XXXX is for a local tire shop. Still, arrangements for payment were made once again, and with the correct bank information given to them.
Today, which is XX/XX/XXXX, I called my bank to check and see if Volkswagen Credit attempted to pull payment from my account, just as I had on XX/XX/XXXX. My bank has informed me Volkswagen has not attempted to pull payment from my account and again, that the only stop payment on my account for the month of XX/XX/XXXX, is for the previously mentioned tire shop. Today, on XX/XX/XXXX, I also received another updated letter from Volkswagen threatening to take my car if I do not make a payment by XX/XX/XXXX of which is this Monday. I attempted to log into my online Volkswagen account to see why they did not process my payment but they have denied me access to my account. I attempted to call them prior to attempting to log in to my online account but they are closed on the weekends. I can not even retrieve my documents with them because they have denied access to my account to me.
I have acted in good faith to not violate the contract between Volkswagen Credit and myself. The money I promised to pay them was in my account the whole time except for one transfer to my savings account after the first attempt to payment failed and I was in the process of attempting to resolve payment issues with Volkswagen at the time. Also at that time, the previous check had been presented to my account without the last two numbers and had already been attempted and it was during the attempt to resolve this issue when I transferred the money and was told that Volkswagen does not accept payments from saving accounts. I then transferred the money back to my original account. I do not understand why after numerous attempts with numerous Volkswagen representatives to make payments to Volkswagen have failed even with the correct bank information given repeatedly to them, and even after repeatedly informing them that I needed them to pull this money from my account so that I do not lose my car. Yet, I can not get them to take payments that they consistently demand from me while threatening to take my vehicle from me if I do not make my payments. If they refuse to take my payments while insisting I make these payments to them so that they will not take my car, then how can I stop them from taking my car?
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| 09/29/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I have leased two Volkswagen XXXX XXXX on consecutive leases. I made every payment on time. After the second lease expired in XXXX, XXXX, I received a notice from Volkswagen Credit that I would continue to be charged for the use of the vehicle. I continued to make timely payments, including a payment received by Volkswagen Credit on XXXX XXXX, XXXX. I did not receive further notices from Volkswagen.
On XXXX XXXX, XXXX I parked the car in front of my house at approximately XXXX at night. My house is at the address to which all communications relating to the lease are sent. When I left my house at XXXX the next morning, XXXX XXXX, XXXX, the car was gone. I thought the car had been stolen so I contacted the XXXX XXXX XXXX police, who informed me that Volkswagen had towed my car. The police gave me an XXXX number to call. The person I spoke to said that Volkswagen had sent me notices regarding the car and my only option was to buy the car and installment credit was not available to me.
On XXXX XXXX, XXXX I visited the dealership that I leased the car from. The General Manager was surprised the car had been towed, provided me with confirmation that my XXXX payment had been received and a different XXXX number to call.
On XXXX XXXX, I spoke to " XXXX '', who informed me that Volkswagen had done everything right. He said a certified letter had been sent to me in XXXX XXXX. I told " XXXX '' I had n't received the letter or a notice from the XXXX XXXX about the certified letter. " XXXX '' told me the letter and been returned to Volkswagen. I told " XXXX '' I had n't received any notice from Volkswagen that they had towed my car or where my car had been taken. He said one had been mailed on XXXX XXXX, XXXX. I told him I had not received it and requested that he fax the notice to me. To this date I have never received the mailed notice.
The faxed document stated that Volkswagen had taken the car because the lease had expired, but did not tell me where the car was and merely stated that I could purchase the car by sending a certified check to a XXXX XXXX XXXX It also stated that the car would begin to be auctioned on XXXX XXXX, XXXX. I consulted a lawyer, who suggested that I send e-mails to senior management at Volkswagen expressing my willingness to buy the car and concerns about the impact on my credit since I had made every payment. I did that on XXXX XXXX, XXXX.
On XXXX XXXX, XXXX I was contacted by XXXX XXXX, who said she would review the matter and that she would follow up with me by Friday, XXXX XXXX, XXXX. She called me on XXXX XXXX, XXXX and said she did not have all the facts yet and would call me the following week. I told her that I had been informed that the car would be auctioned on XXXX XXXX, which she said she was unaware of. After consulting my lawyer, we concluded that Volkswagen was not being responsive and that he should contact XXXX XXXX. My lawyer left XXXX XXXX a voicemail on XXXX XXXX, XXXX stating that this was a simple matter that was easily settled as I was willing to purchase the car if I could get installment credit. XXXX called me and said she had been contacted by my lawyer and she would no longer be able to have any conversations with me and referred the matter to their lawyers.
On XXXX XXXX, XXXX I sent more e-mails to senior management stating that my car had been towed despite making payments and without notice. My lawyer received a call from " XXXX '' who left an XXXX number and an extension. Despite the fact that the extension was non-working, my lawyer reached " XXXX '' through the switchboard. " XXXX '' informed him that Volkswagen had done everything right and there was no possibility of settlement short of purchasing the car in a lump sum payment. He asked " XXXX '' why Volkswagen would not offer installment credit to a good customer and " XXXX '' responded " I am not a credit analyst. '' Subsequently, " XXXX '' in the CEO 's office of Volkswagen Credit called me. He said that he was aware that " XXXX '' was talking to my lawyer. On XXXX XXXX, XXXX " XXXX '' left me a voicemail saying he would be working through my lawyer. A week later on XXXX XXXX, XXXX " XXXX '' called my lawyer to offer to sell me the car and to waive any fees. My lawyer informed " XXXX '' that I had already purchased another car and that my sole concern was my credit rating. XXXX seemed surprised. My lawyer also asked him why the agents who towed the car did not leave a notice in my mailbox. " XXXX '' said he could n't answer that. " XXXX '' said he would get back to my lawyer within 48 hours with a response about my credit. He left a message two days later saying that my lawyer should call " XXXX '' at another XXXX number with an extension. Again, the extension was non-functioning. I called " XXXX '' on XXXX XXXX, XXXX and left a voicemail. I left another voicemail for " XXXX '' on XXXX XXXX, XXXX. He has not returned my calls.
While my primary concern at this point is about the impact on my credit, the process utilized by Volkswagen is clearly deeply flawed and designed to both intimidate customers and erect barriers to meaningful discussion of the issues. Volkswagen insists that they sent me notices. I received none. The notice that was faxed to me and all discussions with Volkswagen Credit were geared towards someone who had stopped making payments on their lease, not someone, like me, who had continue to the monthly payments. In addition to the car being in front of my house when it was towed and the agents failing to take the opportunity to hand deliver a notice, the car was leased in the name of my company. My company has a public website the lists both a phone number and an e-mail address.
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| 01/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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In and about XXXX of XXXX, I entered into a contract to buy a new vehicle from Volkswagen Credit for a term of 72 months with a scheduled final payment date of XX/XX/XXXX. Around or about XXXX and/or XXXX of XXXX, I requested and received a COVID relief extension for three months that would have covered the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first payment due after the extension would have been on XX/XX/XXXX. I made a payment on XX/XX/XXXX. Volkswagen Credit claims that only one payment extension was granted to me during that time for the month of XX/XX/XXXX to be exact. Volkswagen also claims that it only gave me six extensions- with each extension added to the end of the loan. However, if Volkswagen was correct then it should have only given me five extensions and the term of the loan should have only increased from 72 months to 77 months - even with the change of due dates from the XXXX of the month to the XXXX of the month. Three extensions for COVID relief were granted in XXXX and my scheduled final payment date originally changed to XX/XX/XXXX, from XX/XX/XXXX, and then to XX/XX/XXXX, from XX/XX/XXXX, after the monthly due date was changed from the XXXX to the XXXX of every month. An extension was applied for in the month of XXXX of XXXX, but it was not granted due to a lack of signed documents. As such, according to Volkswagen - I would have been granted a total of four payment extensions no later than XX/XX/XXXX. In XXXX, I was granted another payment extension with a final warning that I would not qualify for any more payment extensions. That last payment extension was counted as the sixth payment extension by Volkswagen. However, according to them, in XXXX, the total payment extensions were five payment extensions for the year - even though also according to them- they only granted me a payment extension for XX/XX/XXXX- which would mean that there were only four payment extensions and should have changed my scheduled final date payment from XX/XX/XXXX, to XX/XX/XXXX as evidenced by the unsigned extension paperwork they later gave me as proof. Yet, my final scheduled payment is for XX/XX/XXXX, as evidenced by the amortization statement when it should have been XX/XX/XXXX, with the payment extension granted in the year of XXXX - if Volkswagen had only given me one payment extension in the year of XXXX. Furthermore, the term of the loan was changed by Volkswagen from 72 to 78 months - as reported on my credit reports -which means that Volkswagen 's claim of only six payment extensions would have to include a payment extension for the payment due on XX/XX/XXXX, in addition to the payment extension granted in the year of XXXX. As such, the payment would not have been late because it would have counted as the fifth payment extension- if not, then I would have been sixty days late for payment on XX/XX/XXXX. The payment I made on XX/XX/XXXX, would have then only covered for XXXX of XXXX and left me sixty days late again on XXXX XXXX XXXX and then 90 days late on XX/XX/XXXX. Instead, Volkswagen Credit only reported a 30-day late payment in XXXX of XXXX -even as they claim they only gave a payment extension for XX/XX/XXXX. Finally, my amortization schedule lists the loan 's term for 79 months. For my term to be 79 months, it would mean that seven and not six payment extensions had been requested by me and then subsequently granted to me. This would mean that the payment for XX/XX/XXXX was not 30 days late because I paid it on XX/XX/XXXX. XX/XX/XXXX 's payment was 30 days late but paid on XX/XX/XXXX. XXXX 's and XXXX 's payment was paid on XX/XX/XXXX with XX/XX/XXXX 's payment at more than 30 days late but not 60 days late -and XXXX 's payment was not 30 days late. Both XXXX and XX/XX/XXXX 's payment were reported as 60 days late for each month on my credit report - and again- if only the payment for XX/XX/XXXX had been granted an extension- then for both XXXX and XXXX of XXXX - I would have been more than 90 days late. The explanation for Volkswagen appears to contradict itself on the evidence they presented because they seemed to have either illegally added one to two additional payments to the loan based on the claim that they only gave five to four payment extensions- of which is arguably an act and/or acts of fraud, or they seem to have given me seven payment extensions and correctly added those payments to the end of the loan and correctly extended the term of the loan from 72 to 79 months - but misrepresented a potential error of not correctly adding the extensions to my account and then refused to fix their mistakes. They may also have had an agent who should not have granted another COVID relief extension, and the company failed to inform me of this error and make it right. This has had serious harm on my credit score and my finances- especially when I have to pay for excessive interest rates on loans, I took out partly because of the financial loss created by being intimidated by Volkswagen Credit on taking my car from me when they claimed I was more than sixty days late on my car payments when that was never the case - which also had an adverse effect on my mental health of which still continues due to the incorrect reporting on my credit reports by Volkswagen correct. I have attempted multiple times to get Volkswagen to fix these issues to no avail. They insist that they only gave me six payment extensions- three in the year of XXXX, one in the year of XXXX, and one in the year of XXXX - of which adds up to five payment extensions and not six and even though the term of the loan has changed from 78 to 79 months- with last month listed as a 78-month term on my credit report.
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| 01/19/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I am writing to complain about Volkswagen Credits unfair and deceptive business practices and accounting errors which, on XX/XX/XXXX, led to a near repossession, a horrible exchange with their tow agent, and a risky interaction with six police officers and at least 6 XXXX at the ready that put my life, and those of my husband and our XXXX children, at risk.
I first financed a vehicle through Volkswagen Credit in XX/XX/XXXX and traded that vehicle ( XXXX XXXX XXXX - account no. XXXX ) in for a new lease ( XXXX XXXX XXXX - account no. XXXX ) in XX/XX/XXXX. I had not missed a single payment from XX/XX/XXXX through XX/XX/XXXX ( or to the present ) and expect all future payments to go through without a problem. There is no dispute that every payment was received by Volkswagen Credit in a timely fashion. The vast majority of those payments were made through bank transfer from my account at XXXX XXXX XXXX to Volkswagen Credit.
Despite making all required payments, on Tuesday, XX/XX/XXXX at about XXXX XXXX. I heard the car alarm go off in my driveway and, investigating, noticed an individual standing in the open drivers side door of my vehicle ( with no mask or gloves despite the COVID-19 pandemic ), and that my vehicle was attached to a wheel-lift tow truck being operated by a second person - despite the fact that my vehicle is all-wheel drivXXXX and transmission damage was almost assured. I immediately asked the individuals why they were on my property and in my vehicle and they said, Its being repossessed ; talk to the bank. Those individuals, who Volkswagen Credit later informed me were their repossession agents, refused to identify themselves or present a valid repossession order and, in violation of 20-496 ( a ) of the Administrative Code of XXXX XXXX XXXX, drove a vehicle with no license number, medallion, or exemption sticker on it issued by the XXXX Department of Consumer and Worker Protection ( DCWP ) formerly the Department of Consumer Affairs ( DCA ). They also refused to provide that information at my request. The vehicle had NJ commercial plates ( XXXX XXXX ) and a XXXX NJ tow truck sticker expiring in XXXX ( No. XXXX ) but nothing showing that it was permitted to engage in towing activity in XXXX XXXX XXXX. The police later informed me that they were from XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. They appear to be working with XXXX XXXX XXXX, a foreign business corporation located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX.
I assured the Volkswagen Credits repossession agents that there was a mistake as my payments were current. They continued to direct me to the bank and never identified themselves or presented me with a valid repossession order. As I would not turn off the vehicles anti-theft alarm, Volkswagens repossession agents called the police ( 2 officers were dispatched ) and flagged down a passing squad car ( contained two police officers who were on the scene first ). These officers then called their supervisor ( two more police officers arrived ). Volkswagens agents eventually left the vehicle even before they received clearance from Volkswagen. Their actions, however, put me in a situation that could have been fatal. As a XXXX family I am keenly aware of the hazards of police interaction - an exchange that could have been avoided were it not for Volkswagens improper actions on my account.
Prior to this incident, in approximately XX/XX/XXXX, a Volkswagen Credit representative called to notify me that some of my XX/XX/XXXX payments were inadvertently sent to the XX/XX/XXXX account. The rep informed me that they would transfer the payments from the closed XX/XX/XXXX account to the new XX/XX/XXXX account - a common practice when a customer opens a second account but continues to send payments to the closed first account. I updated my banking information with the new account number and payments continued to be submitted as scheduled.
In a call with a Volkswagen Credit representative on XX/XX/XXXX, while Volkswagen Credits agents were incorrectly trying to repossess my car, the rep informed me that they, inexplicably, did not transfer the payments from the XX/XX/XXXX account to the XX/XX/XXXX account but instead chose to assess late fees on the payments that they had already timely received, refund 3 months of payments ( I did not receive those checks and Volkswagen could not tell me whether or not those checks were cashed ), and apply my XXXX, XXXX, and XXXX payments to XXXX, XXXX, and XXXX. As such, I was supposedly 90 days late and the collateral was up for repossession. Although I had made all payments, Volkswagen Credit would not cancel the repossession order until they fraudulently induced me to immediately make another 3 months of payments plus late fees. I did so over the phone.
Volkswagen Credits failure to transfer the payments as they agreed to do in XXXX, collecting 3 more months of payments, and assessing and collecting improper fees was predatory and was unfair and deceptive in violation of General Business Law 349 ( New Yorks Deceptive Practices Act ). Additionally, their actions proved dangerous as those actions led to a situation where their repossession agents in an unmarked vehicle unregistered with the XXXX DCA, and who refused to identify themselves, chose instead to involve 6 police officers in an attempt to secure a vehicle that they were not entitled to have.
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| 12/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Confusing or misleading advertising
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Web |
Servicemember |
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The vehicle ( XXXX XXXX XXXX ) I leased was deemed a total loss due to an accident on XX/XX/XXXX ( the accident was deemed the fault of other driver in its entirety ).
My insurance company ( XXXX XXXX ) paid VW Credit Leasing {$37000.00} on XX/XX/XXXX ( see Exhibit 1 ), which was higher than the value of the car at lease signing as set forth in the lease agreement, which was stated to be {$33000.00}. See Exhibit 2. VW Credit Leasing/Audi Financial Services is now refusing to refund me the difference/overage of {$3800.00}. See Exhibit 3.
Audi Financials position in Exhibit 3 is, however, not supported by the lease agreement, and materially misrepresents the terms of the lease agreement. Audi can not cite even one section of the lease agreement in support of its position that it is entitled to insurance payments made in excess of the stated value of the vehicle. The stated value of the vehicle in the lease agreement is {$33000.00} no more. The fact that Audi is now trying to increase and misrepresent the vehicle value so that it can profit from additional insurance monies is unconscionable. In fact, nowhere in the lease agreement does it state that Audi Financial is entitled to insurance payments made in excess of the stated value of the vehicle at the time of the lease as set forth in the lease agreement. Also, the lease agreement does not state that insurance payments made as a result of the lessee ( me ) acquiring additional insurance coverage ( more than the coverage required by Audi Financial under the lease ) should inure to the benefit of Audi Financial. In short, Audi Financial is arguing that they are entitled to wrongfully keep and profit monies received from my insurer involving an accident in which I was seriously injured in Audis vehicle ; and for insurance coverage that I solely paid.
Audi Financial also sent demand letters stating that I needed to continue to make lease payments even after the date of the total loss ( i.e., for a vehicle that was wholly unusable ) or that my credit would be adversely affected. See Exhibit 4. Therefore, I made lease payments on XX/XX/XXXX and XX/XX/XXXX for a total of {$920.00} for a vehicle that was not even usable. See Exhibit 5. Audi Financial sent a further letter dated XX/XX/XXXX stating that I owed payments in XXXX and XXXX ; and that if I did not make these payments, Audi would : report information about [ my ] account to the credit bureaus ; that this is an attempt by Audi Financial Services to collect a debt ; and a negative credit report reflecting on your credit record may be submitted to a credit agency. See Exhibit 6. Audi Financial has failed to refund the {$920.00} that it wrongfully demanded and is retaining.
In fact, Audi Financials demand that I send in payments for XXXX and XXXX were even more unreasonable given that Audi Financial delayed sending the letter of guarantee to XXXX XXXX for weeks on end even after several requests were made by XXXX XXXX total loss team. See Exhibit 7 - email from XXXX XXXX dated XX/XX/XXXX. Audi Financial delayed processing the paperwork so that it could exact additional lease payments for a vehicle that was declared a total loss more than three months ago.
Audi Financial also retained all of the cash I paid at the start of the lease of {$3700.00} even though due to the accident I only used the vehicle for two months of the 42 month lease term, and therefore should be entitled to a pro rata refund of {$3500.00}. See Exhibit 2.
Audi Financial also did not give me the lease pull ahead amount even though they had sent me several emails regarding this and assured me that I would not be responsible for the last months lease payment. See Exhibit 8. In fact, Audi Financial charged me for the last month payment of {$430.00} on XX/XX/XXXX when I turned in my XXXX XXXX XXXX and entered into the new lease for the XXXX XXXX XXXX. See Exhibit 5. This is clearly a form of false and misleading advertising to get customers into another Audi lease.
As of this writing, Audi Financial has not returned any funds or refunded any amounts to me. I have tried contacting them repeatedly through their secure message system, left voicemails, but all I receive is an auto generated response that I need to call them ; and when I do call them I am put on hold for more than 30 minutes. See Exhibit 9.
I request your help in getting back from Audi Financial the amounts that they are illegally withholding and delaying in returning to me, but also undertake an investigation to discover other consumers who were injured by Audi Financials unfair business practices ; and to ensure that in the future other consumers are not unfairly taken advantage of by their car lease company especially following a major car accident.
According to XXXX XXXX, Audi Financial is one of the only captive automotive finance company that engages in this practice of keeping their customers insurance monies in excess of the stated value of the vehicle on the lease agreement.
Please let me know if you have any questions and thank you in advance for your help.
Best, XXXX XXXX XXXX
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| 07/11/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I tender a postal money order to Vw credit. With provision VERBIAGE written on it, i accept your offer in the amount of $ for valuable consideration and tender this payment in Full Satisfaction of all claims.without recourse.
3-306. CLAIMS TO AN INSTRUMENT.
A person taking an instrument, other than a person having rights of a holder in due course, is subject to a claim of a property or possessory right in the instrument or its proceeds, including a claim to rescind a negotiation and to recover the instrument or its proceeds. A person having rights of a holder in due course takes free of the claim to the instrument.
UCC 3-603 TENDER OF PAYMENT ( A ) If a tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument [ i.e. Them ] and the tender is REFUSED, THERE IS DISCHARGE, to the extent of the amount of the tender. [ Emphasis Added ] 3-311. ACCORD AND 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 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.
( c ) Subject to subsection ( d ), a claim is not discharged under 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 that 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 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.
UCC 2-207 : ADDITIONAL TERMS IN ACCEPTANCE OR CONFIRMATION ( A ) Condut by both parties which recognizes the existence of a contract is sufficient to establish a contract for sale although the writings of the parties do not otherwise establish a contract. In such case the terms of the particular contract consist of those terms on which the writing of the parties agree, together with any supplementary terms incorporated under any other provision of this act.
UCC 3-415 : ENDORSEMENT ( i.e. Without Recourse ) ( A ) If an endorsement states that it was made Without Recourse or otherwise disclaims liabilty of the endorser, the endorser is not liable under section ( a ) to pay the instrument 3-303. VALUE AND CONSIDERATION.
( b ) " Consideration '' means any consideration sufficient to support a simple contract. The drawer or maker of an instrument has a defense if the instrument is issued without consideration. If an instrument is issued for a promise of performance, the issuer has a defense to the extent performance of the promise is due and the promise has not been performed. If an instrument is issued for value as stated in subsection ( a ), the instrument is also issued for consideration.
I also sent in the following Affidavits : Affidavit Lien Release Affidavit for Verification of Debt Affidavit of Fault with Opportunity to Cure w/ Tabulation of Fees and Violations Affidavit of Default and Estoppel Affidavit of Tender of Payment Acknowledgement and Discharge Affidavit of Cease and Desist Demand w/ Tabulation of Fees and Violations 12 U.S. Code 1825 - Issuance of notes, debentures, bonds, and other obligations ; exemptions ( d ) Full faith and credit The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989, by the Corporation, with respect to both principal and interest, if ( 1 ) the principal amount of such obligation is stated in the obligation ; and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation.
I was in honor with this company.
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| 05/26/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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Web |
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As expected, this is the second time we've had this issue with Volkswagen Credit. On XX/XX/XXXX, we traded our Volkwagen XXXX in at XXXX of XXXX, NC. Now, over a month later, VW Credit will not close the account and still shows on our credit reports as an open account with a {$6200.00} balance. We contacted VW Credit and received the same run around about how they are still owed money on the vehicle regardless of the fact that the transaction and deal was completed through this major franchise XXXX dealership.
-- -- -- -- - Last year, we experienced the same ordeal when we traded our VW XXXX EXCEPT that VW Credit claimed that the " consumer payoff '' information that my husband acquired was different from the dealership payoff, and did not reflect the accurate balance owed upon trade. Then, they claimed we still owed over {$700.00} on the XXXX, which of course, we refused to pay because the car deal was done ( see submitted claim for VW XXXX below XXXX. Because we did not want this same hassle, we made sure the *dealership* called Volkwagen this time to acquire the payoff information for the XXXX. That was done, financial transaction was complete, and VW Credit accepted payment that was sent via XXXX of XXXX.
-- -- -- -- After making contact with VW Credit today, they are claiming we still owe about {$4000.00} on the VW XXXX. Apparently, VW Credit repeatedly gives conflicting payoff amounts causing confusion with dealerships, and VW Credit will NOT disclose why there is actually a discrepancy or how they are calculating the conflicting payoff amounts. Once again, we are going way over and beyond our responsibility as the consumer since this is a disagreement between VW Credit and XXXX of XXXX. We want this account closed and immediately reflected as such on our credit reports. I would advise other consumers to never open accounts with Volkswagen Credit.
================================== ( Previous CFPB complaint submitted last year concerning VW Credit for VW XXXX XXXX On XX/XX/XXXX, we traded our XXXX Volkswagen XXXX in to XXXX of XXXX dealership ( XXXX XXXX XXXX, XXXX, NC XXXX ). My husband has spoken with VW Credit Inc XXXX XXXX XXXX XXXX XXXX IL XXXX : ( XXXX ) XXXX ) multiple times over the past two months because we continued to receive statements from VW Credit claiming our account for this vehicle was past due after the trade-in. The XXXX dealership has verified several times with us that the deal was completed on XX/XX/XXXX, and there is absolutely no reason why VW Credit should still be billing us. This is a reputable XXXX dealership that deals with hundreds of auto trades and thousands of financial transactions with multiple banks monthly. VW Credit has also confirmed that they accepted the payoff from XXXX of XXXX, and that financial transaction was completed in XXXX as well. VW Credit has given us the runaround for at least 6 weeks making claims such as they were " missing documentation '' ( we have provided them with the bill of sale and odometer reading, documents they suggested they needed XXXX, and that " the payoff for a dealership versus the consumer are two different amounts. '' VW Credit has posted to our account more than once that our payments are current, BUT it they have also posted information on more than one occasion that our account was " past due '' since XXXX. This has impacted our credit scores significantly more than once and has caused a significant fluctuation in our credit scores. My husband has talked to MULTIPLE representatives with VW Credit and has had no success getting this resolved despite all the energy, effort, and time invested. These representatives have stated that there is a payoff amount discrepancy issue with XXXX of XXXX. VW Credit representatives have also claimed that they have tried to contact XXXX of XXXX several times to resolve the issue, but when we speak with XXXX of XXXX management, they report they have no record of attempted contact by VW Credit. We feel like we have done more than our part to help resolve this issue and much more than what is actually in the realms of our responsibility in this matter. I recently submitted a dispute with XXXX because the account should no longer be open as of XX/XX/XXXX. At the time of the dispute, my credit report was indicating that the VW account associated with the XXXX was significantly past due. I just received the Dispute Results from XXXX stating that the disputed account information is accurate ( it is not ) and that VW Credit has made changes to the account ( updated as no past-due payments ). At this point, because VW Credit accepted the payoff from XXXX of XXXX on XX/XX/XXXX, I believe this is a fraudulent act. This account should no longer be open. Their issue is with XXXX, not with us. However, our credit report has been negatively impacted.
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| 03/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I was the primary signer on two business vehicles from XXXX XXXX XXXX ( VW ). They were both Turbo Diesels ( TDIs ) and due to a fraud in their emissions claims, the government forced VW to buy back the cars from consumers due to the major fraud and massive value drop of said vehicles. My company used two for servicing our customers and the main reason was that the TDI models received " Green Car of the Year '' awards and all of that went out the window once news of VW cheating emissions came about. We were caught off guard and offered a settlement which entailed signing documents accepting a certain dollar amount to return the cars. Once I signed the documents with a local notary we took the cars off of auto payment because it was assumed by my company and myself that the cars were going to be dealt with and VW Credit, who's parent company is VW XXXX XXXX, would be informed. Well, 2 months later the cars were still waiting in our lot for VW to pick up them up, we were not using the said cars as we were told it would possibly make them ineligible for returning at the dollar amount we signed for and accepted. Soon after I found out that I had been reported for being 60 days late on each vehicle and then were forced to pay the past due balances to avoid further late fees. Then, 3 months after legally signing the cars back to VW, we had to return the cars to a VW local dealer and then a settlement check was issued to VW Credit from another department owned by XXXX XXXX XXXX, their TDI Settlement Team. So it seemed that we overpaid on the vehicles we both longer could use but it turned out that VW Credit ended up sending the overpaid balance in separate checks to me at a later date. This whole process was bizarre and not ever brought up as a possibility when we bought the cars originally. The TDI Settlement Team did not indicate that we would need to keep making payments, nor can they produce the proof or signed documents that show that and insist that I should have kept the documents. The TDI Settlement Team can not provide the original documents I signed and can not even send out communications whatsoever due to the legal aspect of the major lawsuit regarding the fraud. VW Credit tells me that have nothing to do with XXXX XXXX XXXX other than being owned by them and using their name however, they repeatedly have transferred my calls to XXXX XXXX XXXX to help me. VW Credit says that all I need to do to fix this is have VW Customer Care or the TDI Settlement Team to send a letter saying I was not informed that I needed to make payments on a car I couldn't use which I already agreed to a dollar amount to return. The problem with this is that, as I stated, the TDI Team is barred from sending outbound communications, such as letters or emails, and the three departments, VW Credit, Customer Care, And TDI Team, all owned by XXXX XXXX XXXX, can not share or see each other 's notes. When they try to call each other on my behalf, which happened at least 3 times, the hold time was so significant that they just tell me they can't hold any longer and that I am just out of luck. The Customer Care department learned that the TDI Team can't talk about the TDI settlement issues so they took the same stance and refused to speak with me further about anything TDI related. I am uploading their " stance letter '' to show how uncooperative they are. I can sum this up by saying I was sold two cars that became unusable and then was mislead by 3 departments within XXXX of XXXX and now, due to their legal issues, am barred from getting any support. I have been swept under the rug and my credit suffers because of this and I don't think it falls under the " fair '' credit reporting act because it's such an unforseen issue with VW Credit and XXXX XXXX XXXX claiming they only share a name and the documents I signed were with the TDI Settlement Team and not with either of them but the TDI Team and them are all owned by XXXX XXXX XXXX. There is no way to reach XXXX of XXXX ... Only VW Customer Care who, as the uploaded letter proves, could help me but won't for legal reasons. VW Credit holds their stance that my payments were late and refused to look at the big picture. The cars were paid via auto payment every month on time, as everything else on my report, until we were told otherwise by what seemed to be the same company ... And technically it was the same company regardless of how they are managed because they are indeed all three owned by XXXX XXXX XXXX.
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| 09/23/2019 |
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
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Web |
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I had excessive miles at the end of the lease. I was going to buy the lease but my credit union suggested negotiating with the car dealership to see if they would pay off the excess miles in exchange for me buying a new car at the dealership. The credit union siad they offer a better interest rate on new car purchases. I had a previous lease that resulted in VW paying my end of lease settlement and agreed that this may be a good option to pursue.
This is what I thought I did however I received a bill from VW credit for XXXX for excess miles and damage to the car. Several misleading tactics and dishonest acts on the behalf of the dealership led me into a very unfair transaction.
Purchase date of new vehicle XX/XX/XXXX Lease end date of old vehicle XX/XX/XXXX On the day that I purchased my new vehicle I spent over 7 hours in negotiating with the dealership and spoke with several people all men, I am a woman. I had originally shopped online and found a car that was in my price range and arrange financing with my credit union prior to going to the dealership. The first sales person I spoke with agreed that they could pay off any lease costs associated if I considered a new vehicle purchase. The second person I spoke with after test driving a few vehicles and wanting to move forward with a purchase said I was NOT eligible to use my credit union to finance if I wanted to get the price advertised on the website. I finally agreed to the higher financing interest rate because I was negotiating for the dealership to pay off my end of lease over-miles charge. Several hours into being at the dealership I met with the 3rd and 4th salesmen to " approve '' credit and do the paperwork assuming that the original 2 salesmen had explained my negotiation about the lease. I proceeded to sign the sales paperwork around XXXX. The salesmen knew I had to hurry home to get my daughter from the sitter because I expressed several times that the process was taking too long and I was running late. I was expedited trough paperwork and then delivered to my new vehicle. I was never offered or told that I should take my old leased car home and arrange for an inspection, It was never explained to me that I would be responsible for any damage or excess miles to the lease. I was led to believe that I had negotiated a deal for a new car at a higher interest rate in exchange for the dealership paying off my end of lease settlement charges.
I was never offered an inspection of the lease car at the dealership or told I needed to have one done. They had me take my personal belongings from my old lease and already had paper plates on the new car. the new car was ever running when I was delivered to it after the paperwork.
Excess Wear and Tear invoice & Turn-In Settlement invoice was sent XX/XX/XXXX Wear and tear : {$1000.00} ( itemized invoice included dated XX/XX/XXXX ) Excess miles : {$1100.00} Had I been offered an inspection, I would have taken off the older winter tire and put on the newer tires. I would have returned the key and had a chance to remediate any other issues.
XX/XX/XXXX : I reached out to VW credit to explain there must be a mistake I had negotiated with the dealership and they were going to take care of the fees. They reached out to the dealership. The dealership contacted me and said they would look into it.
XX/XX/XXXX : I reached out to VW credit again and same thing, the dealership called but a different person called who said they would have to look into it and that the do not offer deals to pay off lease settlements that this ONLY happens for new leases.
XX/XX/XXXX : I reached out to XXXX XXXX XXXX. They contacted the dealer and procured a document stating I was responsible to excess miles and wear and tear but it was wrapped in an agreement for me to add the last 2 lease payment into my new loan. I recall being explained that I was only signing to allow the 2 last payments added to my new loan. XXXX XXXX arranged for the the dealer to contact me, this time another different person. They stated they had no record of any negotiation with me regarding paying my end of lease settlement. She also stated they do not offer end of lease inspections and was not able to explain why they did not offer to tell me I needed an inspection. The dealership did not accept to pay any of the end of lease settlement as negotiated.
|
| 06/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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Good day, My name is XXXX XXXX. I bought an XXXX XXXX XXXX XXXX XXXX from XXXX of XXXX, XXXX XXXX XXXX, XXXX, FL. XXXX. On XXXX, XX/XX/XXXX. I bought it from XXXX XXXX, XXXX # XXXX, Customer # XXXX for {$36000.00}. I sat with the finance manager and my contract signing was recorded via webcam and my contract was electronic via tablet. The finance manager offered me Optional GAP and XXXX XXXX. I denied the GAP and agreed to the XXXX Pure protection SVC for {$2900.00}. The finance manager explained to me that I should at least get that because the car has lots of electronics that my regular insurance wouldn't cover.
On XXXX XX/XX/XXXX, I got cut off and my car was totaled. I looked through my contract to see what the XXXX XXXX covered and discovered that the optional GAP coverage I denied was in fact in my contract. I went to the dealership to see XXXX XXXX and asked about GAP. He went to get the finance manager that helped me with my contract. They both came back and told me I had no GAP. I went home and inspected my contract further and found that I was charged {$990.00} for GAP, an {$890.00} pre-delivery service fee, ( the car was sitting on the lot already ), {$1700.00} sales tax, {$210.00} service contract fee ( charging me to service their own contract ) among other things. I advised them that I am a XXXX XXXX XXXX and total XXXX veteran which gives me tax breaks and waives fees for registrations etc. none was applied. In total, the cash price was {$44000.00}. They paid my prior loan of {$14000.00} for the trade of a XXXX XXXX XXXX to XXXX XXXX, my contract says a trade-off balance of {$25000.00}?
I found the XXXX pure protection GAP phone number and called about a claim on XXXX, XX/XX/XXXX, and I got an email with a form attached XXXX Financial Cancellation Form. I did nothing with that. The claim was initiated until XXXX XX/XX/XXXX.
Gap claim # XXXX VIN # XXXX.
My insurance company wasn't able to finalize the payment to VW ( XXXX 's lender ) until XXXX XX/XX/XXXX because VW was negotiating with XXXX behind my back about the settlement amount after me and XXXX ( which is MY insurance ) had already come to an agreement where they paid half the value and I fix the car. XXXX wanted XXXX to pay the full value so the GAP wouldn't have to pay the larger amount to satisfy the contract. VW has been dragging their feet paying THEMSELVES. I have brought this to the attention of VW, the GAP coverage, and now the dealership which are all under one entity or has affiliations that are a conflict with MY best interest.
~ XXXX XX/XX/XXXX, I went to XXXX after much back and forth with the GAP as now they asking me for accident reports and documents I already uploaded to the system, the insurance company has sent them and documents they have in-house, and spoke to XXXX.
XXXX and the finance manager no longer work there. I was told I would get a callback. I explained to them that they have been reporting negatively on my credit report for 8 months a totaled car and have dragged the process. now my credit score went from XXXX to XXXX. I have no car, and can not get a new one or fix this one until they pay THEMSELVES. I called back this week as they are giving me the runaround. I spoke to XXXX this week and she was to call me back 2 days ago to no avail. Today XXXX is texting me to come in and check out their great new deals.
My understanding is that putting that GAP in my contract was illegal which makes that original contract null and void. Telling me I had none when I asked instead of helping me afterward confirms a lack of integrity and dishonesty. I asked them to pay the loan and provide me with something to drive in the meantime while they fix this. Now I would like to pursue compensation and damages and the original contract voided, the Loan removed from my credit with no more negative effects, the payments I made returned, and a refund of my XXXX XXXX {$2900.00}.
I am very sick over this situation, it is causing me great mental, emotional and physical hardship. I have XXXX children from ages XXXX to XXXX. My college-bound son has to wait for me to figure this out so I can take him to XXXX, this is just 1 example of how this is filtering over to my household which is a no for me. I really need help with this situation as they are playing games with me.
Very Respectfully, XXXX XXXX
|
| 02/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
Below is a letter I sent to VW Credit after ( on XX/XX/XXXX ) after contacting them initially on XX/XX/XXXX to discuss an excessive amount of money I would owe at the end of my loan ( last payment to be XX/XX/XXXX ). I was told that {$1600.00} dollar amount was interest as a result of the installment extensions I received throughout the life of the loan. NONE of those installment agreements, stated there would be a lump of interest attached at the end of the loan nor did my original loan agreement state this condition. As I attempted to understand how VW came to this figure, I had VW send my loan payment history, I also noticed that although I paid online ( VWs website ), VW showed payments made one/two days after they were made on THEIR site. I pulled my credit to find VW had reported me late an excessive amount of times and charged me for those reported late payments. When VW sent me the criteria for paying late, on most of those occasions I did NOT in fact pay late. Additionally, regarding the extensions, VWs policy stated they would not report those months within those extension agreements, but in fact did report them late. Finally, although I paid my final actual payment before the due date. I did not receive all that I requested to reconcile my account until XX/XX/XXXX preventing me from paying before XX/XX/XXXX, because I had to take a TSP loan out to pay the {$1700.00} in interest. When I called VW to let them know, they said they were sorry and could not help me. Now my account is closed and shows the interest paid as 30-60 days late. None of my concerns in the letter below were addressed. ( NEXT SECTION IS LETTER SENT DIRECTLY TO VW CREDIT ) Volkswagen Credit XXXX XXXX XXXX XXXX, OR XXXX RE : Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX Dear XXXX, We spoke in XXXX about the remaining balance on my XXXX XXXX Loan and the number of lates reported to the credit bureaus. I understood that 1 ) No late fees would be assessed for the months that are included in the loan extension agreements and 2 ) No Lates would be reported to the credit bureaus.
Ive attached a screen print of my XXXX credit report showing the reported lates. Ive also attached the 3 loan extension agreements for the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Again, my dispute is with both the amount that is currently due at the end of my loan ; and the months that should have been included in the loan extensions ( as not reported late ) which have in fact been reported late. The current balance on my loan is approximately {$1600.00} ; minus what should have been my final payment ( {$800.00} paid today, XX/XX/XXXX ). What makes up this {$1600.00}? It certainly can not be late fees as I have paid late fees totaling {$950.00}, over the life of this loan. It appears I was also charged late fees for the months which were incorrectly reported. Again, I paid {$950.00} in late fees ( at {$30.00} per fee ). This {$950.00} works out to 31.5 times I was charged a late fee, how is that possible???
The credit bureau report shows Ive paid 17 times late ( which I am disputing as incorrect see below ). Again, how is that possible??? It certainly appears I have paid late fees for the months that should not have been reported as late!
Certainly, this can not be {$1600.00} of interest. As of today, XX/XX/XXXX, I have in fact made 71 payments, which is the original 66 payments plus the addition of the 5 payments added to the end of my loan. How do I still owe {$1600.00}?
As shown below and as evidenced on the credit reports, there are months as shown on the attached loan agreements which should have NOT been reported late, but in fact were reported late to the credit bureaus.
Additionally, there are ALSO months for which I was reported late, when I was in fact not late, having nothing to do with the loan agreements!
In XXXX, months XXXX and XXXX should not have been reported. In XXXX, only XXXX should have been reported late as I had the loan agreement covering XXXX and XXXX and all other months were paid on time. In XXXX, also no lates should have been reported as the month of XXXX was on an agreement and all other months were paid on time.
Please review this matter as soon as possible and provide a resolution for how these issues will be corrected.
Thank you, XXXX XXXX XXXX XXXX
|
| 07/09/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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On XX/XX/XXXX our vehicle was stolen and it was paid by XXXX at a total loss in the amount of {$23000.00} on XX/XX/XXXX. We had sold and moved from our XXXX XXXX XXXX home in XXXX of XXXX. We were sued by an XXXX XXXX XXXX in XX/XX/XXXX in XXXX County. CaseNo XXXX in the amount of {$1000.00} on behalf of VW Credit Inc with an interest amount of # XXXX and attorney 's fees in the amount of {$200.00} total judgement {$1500.00}, however we didn't received information on this because we moved and our address was still listed at XXXX XXXX XXXX XXXX. Then on XX/XX/XXXX an attorney XXXX XXXX XXXX of XXXX XXXX XXXX in XXXX, CA XXXX filed a case to extend the original judgement and has re submitted the judgement and renewal of the case on XXXX, XXXX in the amount of {$3200.00}. I XXXX XXXX was not named on any of these documents as of XX/XX/XXXX. Then on XXXX XXXX another document was filed with my husband 's and my name again to renew the judgement. Then on XXXX XXXX a writ of execution and the attorney was changed and to XXXX XXXX XXXX and another document was filed with interest in the amount of {$80.00}. totaling the amount at {$3300.00}. Then on XXXX XXXX another acknowledgement of credit was entered with interest in the amount of {$960.00}. Then on XXXX XXXX another document execution ( money judgement ) was presented and the total amount due was {$4200.00}. My address listed is still the XXXX XXXX XXXX, XXXX address. Another document was filed XX/XX/XXXX with Superior Court of California Memorandum of Costs after judgement. Then on XX/XX/XXXX another Writ of Execution was filed and the amount totaling was {$4100.00}. My address is still listed as XXXX XXXX XXXX, XXXX ca. Then on XXXX XXXX, XXXX a wage garnishment was sent to my husband 's work requesting 25 % of my husbands earnings from each paycheck and my husband is paid every two weeks. In XXXX of XXXX I called VW and requested information on my car loan and if there was money owed. After several calls I was advised that there was no attorney that was listed to sue for the amount as the amount had been written off and a 1099-C was issued to me from VW Credit made out to my husband as I was not part of the loan. I was told that my address listed was XXXX XXXX XXXX XXXX Ca and that was were the 1099 was sent to. I provided my current address and received the document in the mail. I have since filed a notice to vacate the judgement as I was not part of the loan and my address was never updated. Since this time I have learned that that original lawyer passed away and the there was paperwork filed included XXXX 's check to VW credit and the 1099C. We had court on the XXXX of XXXX and the judge was not convinced that the attorney is the attorney for VW Credit and instead a credit that purchased the remainder amount. In any case the Judged advised that it is wrong for a company to have sued for an amount and there are several inconsistencies with the case. The judge ordered that the attorneys provide additional documentation that stated we had agreed as part of stipulation to repay the original amount and if not then she would need to make a decision. So the case was postponed till XX/XX/XXXX. On XX/XX/XXXX Judge XXXX advised that we should file a case in small claims court to get our money back from the attorney and that the statue of limitations She told us we should not have to pay twice since we had to file taxes using the 1099-C as additional income and have wages garnishments at a higher amount.
Where I believe our rights were violated is that VW filed the same paperwork that has already been filed on XX/XX/XXXX with no written response or acknowledgement that it was sent to me or my spouse.
Because this is a creditor the amount was not addressed prior to the 4 years that a creditor has to retain payment. The original lawyer XXXX XXXX XXXX did not file until XXXX and was a debt collector which means they were not the original creditor. Also XXXX XXXX XXXX practice filed paperwork to name a new CEO XXXX XXXX XXXX after XXXX XXXX XXXX passed away. Then in XX/XX/XXXX filed a new state of information with the secretary of state in California. Somewhere in this process the debt was sold to XXXX XXXX XXXX who is stating they are the attorney representing VW Credit.
|
| 09/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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|
Web |
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Dear CEOs/ person of highest authorities, Ive noticed a billing error, i have noticed that youve ( the creditor ) been sending me a statement for all these years and according to XXXX dictionary here is what a Statement is : 1 ) something stated : such as a single declaration or remark : ASSERTION. a report of facts or opinions. 2 ) the act or process of stating or presenting orally or on paper. 4 ) the presentation of a theme in a musical composition. 5 ) a summary of activity in a financial account over a particular period of time. 6 ) an opinion, comment, or message conveyed indirectly usually by nonverbal means.
Also here is what a Bond, instrument, and a coupon is; according to XXXXXXXX XXXX XXXX : a certificate of evidence of a debt. a contract, a debt on which interest is paid, a deed whereby the obligor obliges himself, his heirs, his executors & administrators to pay a certain sum of money to another at a day appointed. a mere promise to pay a specialty or sealed instrument and not merely a written instrument a written obligation.
Instrument : not necessarily under seal or with a clause with a sum fixed and a penalty binding the parties to pay the same condition. however, the payment of the penalty may be avoided by poor performance of someone or of the parties of certain acts and contractual funding device applications to pay interest embodied in bonds as included in the word bonds.
Coupons : interest and dividend certificates also those part of a commercial instrument which are to be cut and is evidence of something connected with a contract listed in the instrument : see statement see instrument see bond. They are generally attached to certificates of loan where the interest is payable at a particular period. And when the interest is paid they are cut off and delivered to the payor. In XXXX they are known as dividend warrants and securities to which they belong. Coupons are written contracts for the payment of a definite sum of money on given dates and are drawn and executed in a form in mode for the purpose that they may be separated from the bonds and other instruments in which they are usually attached to and is held that they are negotiable and that a suit may be maintained on them without the necessity of producing the bond. each matured coupon about a negotiable bond is a separable promise distinct from the promise to pay the bond or the coupons and gives rise to a separate cause of action.
Ive noticed that youve been doing this, so I'm sending in the check along with the coupon; oh and by the way, this is double dipping. You're getting paid for this against my trust, and then you're accepting a check. I realize now that this is fraud ; trust fraud.
But I am willing to overlook this for this one time to clear this debt. I am making a final lawful attempt to settle the debt.
I have noticed that I have been tricked by you guys for all these years, but the Gig is up now. I am sending you this coupon and as you may notice, the back of it has been endorsed with the beneficiarys ( me ) signature. You can now redeem this coupon and settle this debt. I now have a contract with you, the CEO of Volkswagen Credit, Volkswagen XXXX XXXX XXXX. You agreed that you are accepting this, youve contractually agreed ; according to the postal rule of common law contract, that you have accepted this. You are now a trustee acting in the best interest of the beneficiary ( me ). This debt is now settled and you can now cease and desist of the account immediately and send me a check for everything that i am owed, seeing that you ( the creditor ) have been double dipping for all this time. Id say you owe me ( the Beneficiary of the trust ) a great amount of money. The creditor has furnished I, XXXX XXXX ( the consumer/obligor ) with deceptive forms several times ( See attachment A ) creating a false belief that I owe this debt. If my request are not resolved AND completed IMMEDIATELY upon notice of this billing error i will take this to higher authorities and request & receive monetary damages of {$1000.00} for EVERY violation.
Kind Regards, XXXX XXXX XXXX, XXXX UCC 1-308.4 Without Prejudice/Recourse
|
| 08/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
|
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About us : XXXX siblings -- XXXX XXXX XXXX Parents : XXXX ( died XXXX ) and XXXX ( died XXXX ) Estate of XXXX : XXXX is executor Relevant documents : - status of VW account as of XX/XX/XXXX - 2 faxes from XXXX to VW XX/XX/XXXX -- these include XXXX and XXXX death certs - XXXX XXXX will - repossession notice from VW ( 2 parts ) - Proof of XXXX payment to VW plus fee to USPS for letter to VW asking for 10-day extension not to sell car Summary : On XX/XX/XXXX, our mother, XXXX, died. She had a XXXX XXXX XXXX, for which she had made more than 50 payments. The basic facts are that we have made a good faith effort to keep up on payments, and have also asked how to pay off the loan entirely, but VW seems to be actively working to prevent us from accomplishing this, with the apparent aim of being able to repossess and sell this car.
In the XXXX of XXXX, XXXX faxed VW a copy of the Last Will and Testament to the number VW provided so we could talk about the account, for which daughter XXXX continued to send payments. Per VW 's request, XXXX had also faxed VW on XX/XX/XXXX, including both death certificates and XXXX XXXX will.
On XX/XX/XXXX, XXXX made a {$500.00} payment over the phone with VW and was told that the amount would keep it from being repossessed.
On XX/XX/XXXX, the car was repossessed. We owe {$3500.00} on the car.
Since XX/XX/XXXX, as outlined below, XXXX has called VW repeatedly to say we would pay to get the car back. They said they never received the Last Will and Testament documents, which ( as stated above ) had already been sent.
Calls to VW : XX/XX/XXXX : XXXX says they cant give XXXX any information since they claim the paperwork was not sent in. XXXX refaxed the court-stamped Last Will and Testament. XXXX was told it might take 48 hours to process.
XX/XX/XXXX : XXXX called in the XXXX and was told they received the paperwork, but it needed to be vetted by Legal. They could not talk about the account until the paperwork was approved by VW Legal.
XX/XX/XXXX : XXXX called and was told they were so sorry, but the legal unit has not vetted the paperwork yet. It might take about 72 hours. XXXX said no, she was told 48 hours last week. VW said they would expedite this request and to please call back.
XX/XX/XXXX : XXXX called and was told VW received the paperwork yesterday, but it was not approved and needed to be certified by the court [ IT IS COURT STAMPED ]. XXXX spoke to supervisor XXXX who will said he would get back with her after he did research.
XX/XX/XXXX : No return call from XXXX or anyone else.
XX/XX/XXXX, Thursday : Three calls, all from or between XXXX and XXXX. XXXX said a letter was already sent by regular US mail. The letter detailed how to get the car back, but XXXX said he would a copy of that same letter again by XXXX. It should arrive overnight or at least by Monday.
XX/XX/XXXX, Monday : XXXX arrived in the afternoon.
XX/XX/XXXX : XXXX paid the Reinstatement amount listed on the letter. This amount of {$1100.00} included the {$1100.00} demanded by VW plus fees to XXXX XXXX for urgent processing. XXXX also sent via USPS a certified signature requested form, provided by VW in the XXXX package, requesting a 10-day extension so the XXXX XXXX would not be sold on XX/XX/XXXX.
XX/XX/XXXX : XXXX called VW and got the typical runaround. They said they could not find the paperwork listing XXXX as Executor. They can confirm payment received, but can not give XXXX any additional information. VW needs an official document and can not give any information to XXXX about how to get the vehicle back. XXXX asked to speak to a supervisor. VW XXXX put XXXX on hold and returned saying no supervisor would talk to her. No one would discuss the account with XXXX until they received paperwork showing XXXX was the Executor of the account.
As of XX/XX/XXXX, despite repeated efforts on our part, VW has not communicated with us in any way about the status of the car or account, including how to take possession of the car now that the reinstatement payment has been made.
|
| 05/29/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
OnXX/XX/XXXX, I had driven my car to the local gym midmorning for a quick workout prior to lunch. After grabbing a great workout, shower and fresh change of clothes, I walked down to the parking garage only to find my car had been repossessed. I was not given any warning that this was happening and spent the night on the street, XXXX, since my phone charger, laptop, keys, wallet and all my other belongings were in the car. I was over 1,000 miles away from home, my rental lease was over and I had nowhere to go with no method or payment of communication. Literally would not wish this experience on anyone ever!
I finally found a means to charge my phone at a local coffee shop and then spent the next two days locating my car. It took so long as the customer service department for the financing company is so terrible, that all one can do is sit, wait on hold for hours at a time ( no joke here ). After I figured out where the car had been towed, i realized it was over 50 minutes away north of where I was and no one at the towing company was willing to cooperate with me in order to get my belongings that the first time.
At this point in time, my only alternative was to sleep on my couch in my storage unit since I still did not have any method of payment with my wallet being in the car. The next day I was able to find some spare cash, just enough to get a ride north to the towing company. When I arrived, I had turned in my keys in exchange for my personal belongings.
Now, in doing so, I was under the impression of several different matters, which is the point of this dispute letter. One, I was told by the credit company that I would be notified in the mail as to ( a ) how to make payment to obtain the car back, ( b ) I would be given a receipt of the collection, repossession, towing, etc. and the total billed to my name, ( c ) I would then be sent a letter of my deadline to complete payment. Well, I never received any letters in the mail, never received them at any forwarded addresses and was never granted the option to send them to another address, even though I asked multiple times.
Next on the agenda is addressing more failed communication. I am writing this letter on XX/XX/XXXX, to date, I still have not received any letters from the creditor. I have not received a warning letter, I have not received a letter of receipt of repossession, I have not received a letter that was postmarked 5 days after the event, I have not received a letter postmarked 10 days after the event, I have not received any letters in reference to auto auctions, new vehicle ownership, or anything in reference to this car.
Currently, the creditor, VW Credit, is reporting to all the credit bureaus a debt in the exact amount of {$11000.00} with notes of being charged off as bad debt. I have not received any notice of these charges and to my understanding, they have completely failed to properly communicate within the necessary timeline.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), any creditor is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for the reporting services could fax, mail or email in a fraudulent account.
I demand to see the repossession removed from all three credit bureaus, XXXX, XXXX, and XXXX since the original creditor failed to present Verifiable Proof ( an original Consumer Contract with my Signature on it ) and failed to properly communicate 100 % during this entire process since XX/XX/XXXX and the date of writing this letter.
They failed to positively verify these accounts which had dramatically hurt my ability to obtain credit, obtain an apartment, obtain a new car and negatively affected my life since this event occurred early this year. Under the FCRA, unverified accounts and creditors not in alliance with the FTC must be removed and if they are unable to provide me a copy of verifiable proof, must be removed immediately.
|
| 08/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem extending the lease
|
|
Web |
|
|
Hello.
I hope this email finds you well. I am writing this complaint after daily attempts to reach Customer Service by phone, by email and through the dealership,.
I want to request an extension to my lease vehicle due to the COVID emergency. My lease is up next XX/XX/2020.
All written requests have been through their website. I have also spoken directly with the dealership and they allege that they can not help but would GLADLY lease or sell another vehicle. I am unemployed and can not lease or purchase another vehicle. I believe they do not offer options to communicate because they want to " tie '' you with another vehicle and/or add additional fees.
I JUST NEED TO EXTEND MY LEASE. PLEASE HELP!
I have a copy of the responses that have been sent back : Welcome : XXXX XXXX XXXX XXXX Vehicle:XXXX XXXX XXXX XXXX XXXX VIN:XXXX Account Number:XXXX Account Type : Lease Total Amount Due : {$0.00} Due Date : Submit Conversation : Inquiry on XX/XX/2020 XXXX XXXX CST : I have called these numbers NONE work! XXXX. XXXX Monday Friday, XXXX XXXX. to XXXX XXXX. Eastern Time. XXXX. XXXX Monday Friday, XXXX XXXX to XXXX XXXX Eastern Time.
Response on XX/XX/2020 XXXX XXXX CST : Thank you for contacting Volkswagen Credit. We sincerely apologize for the delay and appreciate your patience.
We understand that you are requesting additional information on a Lease Extension. Due to the nature of your question we are unable to assist you through the message center. Please contact our Customer Experience department at XXXX Monday Friday, XXXX XXXX to XXXX XXXX Eastern Time.
Sincerely, Volkswagen Credit Customer Experience Department Inquiry on XX/XX/2020 XXXX XXXX CST : Dear Customer Representative, I have been contacting through the above number in numerous times and day since this response. I am very disappointed that there is no alternatives given like the recording says ; due to the COVID-19 our representatives are busy please call at another time ... VW should offer an online option for this. Like I said before, I do NOT or can afford ANY additional charge for this lease, especially if it is out of my control. Looking forward to your quick response, XXXX XXXX Response on XX/XX/2020 XXXX XXXX CST : Thank you for contacting Volkswagen Credit. We sincerely apologize for the delay and appreciate your patience.
Lease Extensions can be approved on a case by case basis for up to 6 months. Please call our Customer Experience team at the number below by your Maturity Date. A representative can review your account for approval and provide specific details about the lease extension process. Please note the following regarding Lease Extensions : Your monthly payment amount and due date will not change.
A prorated amount of miles will be added to your total allowed mileage for each month you choose to extend.
Your Residual Value will reduce for each month you choose to extend.
Lease Extensions are cancelable. To cancel future Lease Extensions, you must contact a Customer Experience Representative prior to that month 's payment coming due.
There is no prorated refund for any portion of an extended month left unused.
If your account is enrolled in Automatic Payments, the feature will remain active on the account.
Please note that any optional insurance, products and/or services ( such as Tire & Wheel protection, Key protection, etc. ) you purchased with your Motor Vehicle Lease Agreement may expire according to the terms in their agreements. Please review your product/service 's contract or consult with your plan provider for details regarding your coverage options.
If we can be of assistance in the future, please dont hesitate to contact us again through your online account or call us directly at XXXX Monday Friday, XXXX XXXX to XXXX XXXX Eastern Time.
Sincerely, Volkswagen Credit Customer Experience Department Original Inquiry on XX/XX/2020 XXXX XXXX CST : Hello Ive tried several times to request more info regarding an extension to lease. Please reply. Thank you
|
| 06/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
As there are only XXXX characters permitted to describe the issue, I will try to make this brief : I previously filed a CFPB complaint against Volkswagen Credit in XXXX. They offered no resolution in their response as they said they could not find/identify my account. This complaint XXXX XXXX XXXX was in regards to a deficiency balance XXXX claimed was owed ( and which was being reported on my credit reports ) that I claimed was invalid. After nearly 10 months of fighting and providing documentation, Volkswagen Credit finally ( on XXXX XXXX, XXXX ) sent me a letter acknowledging the account was in fact paid in full as of XXXX XXXX, XXXX. I have attached a copy of that letter.
On XXXX XXXX, XXXX I sent a follow-up letter ( dispute ) to Volkswagen Credit. I have attached that letter as well. As I pointed out in that letter, while I appreciated the removal of the inaccurate deficiency balance, the payment history and account status being reported to the credit bureaus was inaccurate, impossible ( no way to go from on-time to 90-days late in one month ), and incredibly damaging to me. I provided copies of all the credit reports, explained why the reporting was inaccurate, and asked that Volkswagen Credit either correct the payment history and account status OR verify to me that the account history is correct ( as they have previously done when disputed through the credit reporting agencies ) and provide me with a copy of the ledger/payment history as what is being reported is wildly different than what my records show. I received a written response from Volkswagen Credit dated XXXX XXXX, XXXX. That letter is also attached. In that response, Volkswagen Credit acknowledges receipt of my letter and states that an update has been submitted to the credit reporting agency. I was told these changes could take 30 days. So I waited.
As of today, the only change has been to XXXX XXXX. The payment history detail has been deleted entirely, yet the pay status still shows as Pay Status : Account Paid in Full, was a Repossession and the account includes the following Remarks : Dispute Investigation Compete. Reported by Grantor. Transferred to Recovery. Paid Repossession.
What was transferred to recovery, as there was never a deficiency balance due?
Neither XXXX nor XXXX received any update at all to the payment history, Account Status, nor Remarks.
Volkswagen Credit is willfully reporting inaccurate information to the credit reporting agencies. I have disputed this inaccurate information through the channels provided by the credit reporting agencies and Volkswagen Credit has verified the information as accurate and correct.
I have disputed the accuracy of this information directly with Volkswagen Credit and was told updates would be sent to the credit reporting agencies. This 'update ' was sent to XXXX of the XXXX credit reporting agencies and even that only fixed a portion of the inaccurate data.
At this point, the continued reporting of ( and verification of ) inaccurate information in my credit bureau files constitutes a violation by Volkswagen Credit under the Fair Credit Reporting Act.
I sent Volkswagen Credit a follow-up letter dated XXXX XXXX, XXXX also attached. I demanded either all inaccurate and negative information be deleted from all XXXX credit bureaus leaving a positive/closed account OR the entire trade-line be deleted. That letter was ignored and no changes occurred.
I warned Volkswagen Credit I would file a Consumer Financial Protection Bureau complaint, which I would follow with a XXXX complaint and complaints with the XXXX of Oregon ( where they are located ) and Pennsylvania ( where the original transaction occurred ) and that I would also seek any compensation to which I may be entitled under the Fair Credit Reporting Act. I do not want things to have to proceed beyond this first step.
|
| 06/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
It all started with inquires!
Excessive -adjectiveMore than is necessary, normal, or desirable ; immoderate.
In 2012 I was in the market to purchases a vehicle. The XXXX XXXX XXXX was the vehicle of choice.
I wo n't bore you with the XXXX shameful hours I spent at the dealership. This practice should be banned. Never the less I purchased my vehicle and I was on my way.
I was a successful XXXX. Highly educated! The go to guy for all things. However I could n't get a handle on credit and what it was doing to the American consumer. So I started a business.
XXXX XXXX and XXXX Literacy!
I want to know everything I could about FICO vs.Fake'O! All the acts protecting consumer 's rights! I had nothing but time on my hands.
I was paying my car note on time. Settling all debts! Restoring my good name and building a business which addressed my credit concerns and issues, as well as others.
In this economy, credit is more important than ever before. Credit scores are a misrepresentation of a true credit history! Good credit may have qualified you for mortgage years ago may not merit an auto loan today. This is a result of industry misleading consumers ; redirecting consumer 's attention to a number ; not the data or information which is used to make a financial product or service available.
All my life I have been the guy who could get it done. If I could n't do it, I found a way or there was no way! So this undertaking was just the task for me.
I became a independent agent for a financial education company, which gave me access to vital resources and tool along with stating my business. Using the internet and a variety of other resources I began to understand the connection between SSN, our economy, the financial system, income inequality and a host of practices which have distorted the hopes and dreams of so many Americans.
Do n't get me wrong! I had my challenges early on in life. Who has n't! We are Americans, we wrote the book on this issue related to credit and debt.
As I mentioned early on, all I need was time, to allow a positive history to emerge before looking for a business loan.
Some XXXX months had passed and I was ready to secure that business loan. Positive payment history, settled debt, XXXX inquires and a credit score in the high XXXX range. I would have to pay a bit more for my loan, which I understood work was still need. The business loan was going to be the additional work needed to propel me over the XXXX mark.
In XXXX I believe it was. I approached XXXX for a business loan to my surprise I was denied. So I requested a copy of my credit report from all XXXX Consumer Reporting Agencies. What I was once I received my credit report was outrageous!
XXXX credits inquire all my credit. Mind you, XXXX different credits inquire an each reports. All do on the same day.
I was beside myself! So I reached out to XXXX XXXX, Volkswagen Credit and to expect they gave me the XXXX. More or less telling me to XXXX! There was nothing they could do about it. Lenders see the inquires as XXXX inquiry.
If that were the case I would have had only XXXX inquires on my credit report because, I had did my due diligence months before looking for a car. Which I had only XXXX inquiry on my credit report!
Life had never been the same because of the excessive inquires! I was left with no other option but to take matters into my own hands. The results have been slow, however worth the time.
I 'm reaching out to you today for your help. The wrongs of XXXX XXXX, Volkswagen Credit and dealerships, are egregious and unlawful. They have nearly ruined my life. However i can weather the storm. The financial lives of the American consumers is what keeps me up at night.
I 'm still unable to obtain a loan, because of their actions and abuse of the credit system.
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| 03/07/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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My XXXX XXXX XXXX ( acct XXXX ) was deemed a total loss by my car insurance company, XXXX XXXX, as of XX/XX/XXXX ( claim # XXXX ). XXXX XXXX contacted the Total Loss Department of VW Credit for a total loss quote. The quote provided to XXXX XXXX was {$22000.00} and the first check was mailed on XX/XX/XXXX. The claims process is supposed to involve communication between XXXX XXXX and VW Credit exclusively ; I am not supposed to be involved and payment should have been received within XXXX business days, per XXXX XXXX XXXX communication to me. However, I continued to receive collection calls from VW Credit days later. I contacted VW Credit on XX/XX/XXXX and they stated they had not received payment. I provided them the mailing address on my statement from XXXX XXXX and they said it was the wrong address. I contacted XXXX XXXX the same day ( XX/XX/XXXX ) and they stated they sent the check to the address provided to them by Total Loss. I tried to provide XXXX XXXX with the correct address I obtained through my phone call with VW Credit, but their process is to contact VW Credit themselves to obtain the address. XXXX XXXX reissued payment on XX/XX/XXXX and 1 week later, VW Credit still claimed they had not received payment. They claimed again that the mailing address was incorrect. This was brought to XXXX XXXXXXXX XXXX attention and a XXXX payment was sent on XX/XX/XXXX after I escalated the complaint via the XXXX XXXX XXXX. Their statement to me was that this third payment was sent to VW Credit, at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, IL XXXX and should have been received within XXXX business days. More than a week later, VW Credit was still stating they had not received payment and that the address was incorrect. XXXX XXXX continues to claim they are only using addresses provided by VW Credit. The most recent attempt to resolve the total loss quote was sent by XXXX XXXX on XX/XX/XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, IL XXXX which is the address provided in the Letter of Guarantee. This is supposed to be the address of Overnight Payments, which implies payments are pulled from this lockbox immediately to resolve accounts. As of XX/XX/XXXX, VW Credit still has not applied payment to my account. I had to pay my car note in XXXX and XXXX of XXXX, and my XXXX payment is still showing due. I have never heard of a case where a car determined as a total loss still has car notes due a full 3 months after the accident, even though the insurance company has agreed to settle the debt. This issue seems to be the result of a complete breakdown of communication between XXXX XXXX and VW Credit. At least one party is providing miscommunication, but I am taking on the financial liability. This seems completely inappropriate. VW Credit repeatedly refuses to offer any relief to me, stating they consider me as owner until the total loss payment is received, but this car has not been in my possession since XX/XX/XXXX and this circumstance is contributing to my emotional trauma, plus making it difficult for me to replace my vehicle. I do not know what other options I have to further escalate this gross mishandling of my insurance claim and financial obligation to VW Credit. Given the process closes me completely out, it seems VW Credit should be addressing XXXX XXXX directly about the missing payment and, at minimum, my account should be placed on some kind of hold as far as carnotes due while the issue is resolved. I am at risk of having a negative report on my credit report if I don't continue to pay the car note, which is grossly inappropriate 3 months after a total loss. I am requesting another entity insert their influence to get XXXX XXXX and VW Credit to resolve this debt expeditiously without any further financial responsibility placed on me.
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| 07/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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My fiance and I recently bought a used XXXX XXXX with XXXX miles on it from XXXX XXXX on XX/XX/2020. The first problems started with the finance manager, XXXX XXXX, who told us that he would absorb the cost of XXXX XXXX and give us Dent Protection free of charge, after we told him that we did not need Dent Protection. We accepted only because it was going to be free. He never gave us hard copies of the paper work, and promised to email electronic documents within an hour. We received electronic copies 2 days later on XX/XX/2020. After reading through the paperwork on the next day XX/XX/2020, we realized that he did not give us Dent Protection free of charge, and actually charged us {$940.00} for it. We emailed XXXX that same night, and he called our cell phone immediately saying that he could take the charge off of our loan. We thought everything else was ok. Two days later XX/XX/XXXX, the front sensors start to go haywire while driving down the street. We took the car back to the dealership the very next morning XX/XX/2020 to get checked. The service advisor that took our car in, called us during the day and said that he thought the car had been in a wreck, and that would be the only reason that the sensor harness could be so displaced. After researching further, he found that the previous owner requested a quote for body work that was never done. That was a shock to us because the XXXX report was clean and the sales associate never mentioned that the car had been in a wreck. After going into the dealership on the same day, we spoke to our sales associate ( XXXX XXXX ) and the Certified Pre-Owned Manager ( XXXX XXXX ). XXXX went to find out some information, and found that the car had been in a wreck, and it was repaired by them, XXXX XXXX. He even had pictures of the " fender bender '' with him. We immediately asked that they take the car back and reverse the loan. XXXX mentioned that he could not do anything until the General Manager, XXXX XXXX was in the office, but he understood why we were upset. We left the dealership that day without the XXXX. After multiple conversations with the General Manager and CPO Manager, on XX/XX/2020, the General Manager finally agreed to take the car back and reverse the loan transaction. Granted, we never saw the car again since we returned it on XX/XX/XXXX because the dealership decided to have the auto body shop honor their warranty to fix the car, and it was going to take about a week. We called the dealership numerous times asking for an update, and we were told that it would take some time for the dealership to send a check to Audi Financial ( VW Credit ) to payoff the vehicle. After being completely fed up and requesting an in-person meeting, we received notice on XX/XX/XXXX that a check had been sent to Audi Financial. Since XX/XX/XXXX, we have called Audi Financial 8 times and even opened a complaint with XXXX XXXX. We know that the check was received by Audi Financial on Monday XX/XX/XXXX and deposited on Friday XX/XX/XXXX. It is now XX/XX/XXXX, the loan is still not paid off or canceled, and our account is showing as past due for the first payment. We are completely frustrated by how this entire process was handled by both XXXX XXXX and XXXX XXXX. We aren't sure if there are laws against selling wrecked vehicles without disclosing the information, but there should be. All we can think about is the poor person who buys this same vehicle after us. We are now stuck with a credit score that has taken a hit because of the hard inquiry and the vehicle probably still showing on our credit report, so we can not purchase a new vehicle. Not to mention, we aren't sure how much more our credit score will be affected with a late payment looming.
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| 06/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I was looking to purchase a new vehicle ; I entered my information on the Audi site, and a salesperson emailed me the next day. That salesperson was XXXX XXXX. I inquired about a XXXX Audi that I saw in transit to the dealership on their website. On XX/XX/2021, I text XXXX asking if the vehicle made it to the dealership and am I able to test drive the vehicle. XXXX immediately responded stating that the vehicle came in that night ; and needed a pre-delivery inspection. He said he could get that taken care of and what time will work best to come to test drive it. We set an appointment time to come to the dealership.
That afternoon on XX/XX/2021, I went to the dealership to test drive the vehicle. I test drove the vehicle and we went back to the office to talk numbers. He printed out the pencil sheet of the deal. I left the dealership to go to the bank. I went back to the dealership, and I met with the Finance Manager, XXXX XXXX. I went to the Finance Office with XXXX and went through the paperwork. When we got to the car contract XXXX told me that my credit score came back lower than expected, and it changed the price of the monthly payments. I pulled up the FICO app on my phone and showed him my FICO Auto Score 5, 4, & 2, and I showed him all three bureaus my scores. He said that is not the numbers he had, and I asked him to print out my credit scores ; he said he couldnt do that. I asked him to turn the computer around and let me see my credit scores ; I then proceeded to take pictures of his computer screen with my cell phone. I signed off on the paperwork and went home feeling exhausted and frustrated from the car buying process.
A week later, I was doing my monthly budget and pulled out the car contract. I calculated the numbers against the worksheet that the salesman gave me. I discovered that not only was I lied to by the finance manager, they got over on me. The finance manager told me my credit wasnt right but overcharged the amount of the car which made the payments larger. I emailed the salesman XXXX XXXX the next day to ask him the name of the Finance Manager. He didnt respond via email, so I called him, and he hesitantly told me his name was XXXX XXXX. I called the Finance Manager XXXX and I emailed him the mistakes I found in the contract with the numbers and attachment of the worksheet. I asked him who is responsible for writing the car contract and putting in those numbers. He refused to give me a clear answer. I looked on the Audi website to find the managers. I asked him if XXXX XXXX is his supervisor, and he said yes. As of XX/XX/2021 their positions has been updated, XXXX XXXX is now the General Manager and XXXX XXXX is a Sales Manager.
XXXX XXXX called me back after receiving my email showing errors I found in the contract. He said that somebody made a mistake. But I wonder how it was a mistake when he said it was credit related. He said that they will refund the difference. I kindly ask him to email me stating that I was overcharged and with the refund amount. I told him that the APR percentage that the dealership is using is off. The APR percentage is not correct, and the numbers are overstated. He told me that the numbers are computer generated and he has no control over that portion.
The amount that I agreed to finance, and the total of payments amount was overstated on the contract intentionally by the dealership. The total balance financed was {XXXX} less the down payment of {XXXX}. The business did not resolve the problem fully because the amounts are still overstated.
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| 12/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Older American |
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To Whom It May Concern : I 'm writing this letter as an appeal to Volkswagen Credit to work with me on resolving a late payment dispute which took place in XXXX of 2014.
On the morning of XXXX XXXX, 2014, when I went outside I noticed that my XXXX XXXX was not in the driveway. I called the local police station to report it stolen and was informed by the police department that the car had been repossessed. My wife and I were stunned. We could n't imagine why that would have happened and were sure it was a mistake. My wife called VW Credit USA as soon as their office opened to straighten things out. The representative informed her that they had not received a payment since XXXX, 2014. My wife keeps very good track of bills and went through her files and realized she had not received any bills for the XXXX or late payment notices from VW Credit USA. Upon further discussion it was ascertained that VW Credit USA had the wrong address on file, a non-existent address at that. When my wife asked why I had not been contacted by phone of the missed payments, VW Credit said that they had called. Asked what number they used it was discovered that they had my telephone number wrong as well. My wife pointed out that we have had a good history with VW Credit USA, having financed XXXX other cars with them in the past. This was acknowledged as well as the fact that they still had access to the information from those transactions. When she realized that they could have used that information to contact us but chose not to, she further questioned the representative. It was then found out that VW Credit also had my correct email address in the old records, yet never used it. When my wife pointed out these errors the representative became argumentative, even telling my wife that " just because I did n't receive a bill does n't mean I should n't have paid it ''. At that juncture she realized that she could not reason with this person. It was particularly maddening to be told that they had sent someone to the non-existent address for a " home visit '' and still did not realize the mistake, yet managed to have the reposition company make their way to our correct address when they wanted to come and reposes the car in the middle of the night.
I do n't know where the problem of misinformation was generated ; either upon the sale of the car at XXXX XXXX where I had provided them my personal information or at VW Credit USA. I do know that both establishments have refused to take any responsibility for the error. While we did manage to get the car back the same day, it was quite a project to do so, especially since everyone would be closing early to start the XXXX XXXX holiday weekend. It cost us in fees well over {$400.00} to get the car returned. VW Credit USA was very difficult to work with, regarding their ability to retrieve information faxed and emailed to them, at their request, by our insurance company pertaining to our insurance status and by the repossession company acknowledging receipt of payment. As it turns out, the most helpful people were the ones we dealt with at the repossession company.
It is unfortunate that my credit had to take a hit, but once done it is not easily undone. I am asking that VW Credit in consideration of my past prompt payment activity and the error made in having my incorrect contact information on file will consider forgiving the late payments and in a goodwill gesture adjust my credit report accordingly.
Your early reply back to this request would be much appreciated.
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| 10/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I financed a XXXX XXXX XXXX from XXXX XXXX of XXXX XXXX in XX/XX/XXXX. I made my first payment on XX/XX/XXXX even though my first payment wasn't required until XX/XX/XXXX in the amount of {$400.00}. I had stopped receiving statements after the month of XX/XX/XXXX but continued to make payments every month since I knew that there were funds due. In the month of XX/XX/XXXX I had made an additional payment to pay down the principal. On XX/XX/XXXX after reviewing the amount of my principal payment, I called to inquire if my principal payments were applied correctly. After speaking with the rep she had advised my XX/XX/XXXX payment was applied to XX/XX/XXXX and so forth and my account was actually considered paid ahead as of XX/XX/XXXX. I had advised the rep that I had made 2 " extra '' payments that should have been applied to principal only and she stated that it would have been the XX/XX/XXXX and XX/XX/XXXX payments that would need to be reversed and reapplied to principal. She advised she would put in the request to get it updated. I had to call back on the following dates to check on the status of my request : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and each time was told it was either being worked on or was completed but was not being provided any proof and my principal balance wasn't updated. On XX/XX/XXXX I called back and spoke with a rep asking again about the status of my reversals and was told again it should've taken place and when I requested proof was told they weren't able to generate statements on my account and would have to put in a special request to get documentation. I then advised them that by not providing me with my statements so I could see payment/billing information they were violating Reg Z/Truth in Lending Act they transferred me to a manager XXXX ( XXXX XXXX. XXXX ). He advised he would follow up on the account to make sure that statements would be provided and that the principal only payments were reflected correctly. On XX/XX/XXXX I had to call back to advise the statements that were sent did not provide sufficient information regarding how payments were applied and requested this be done so I could verify that the principal only went to just principal. I was advised that future statements would provide me with the information since they turned off the " pay ahead '' feature on my account and suggested setting up auto payments. On 9/24 I had called back after receiving a manually generated payment history letter to advise that the payments were still not applied correctly because per the letter both the XXXX and XXXX payments had interest taken out of the payment amounts even though they were principal only payments and shouldn't have had interest applied and the subsequent payments should've had less interest since being charged to a lower principal amount. XXXX again advised he would work with the finance dept to correct and would have a new payment history regenerated. The Payment history I received on XX/XX/XXXX still did not reflect the correct information. The interest was simply 0 'd out next to the XX/XX/XXXX and XX/XX/XXXX payments however was charged to the following month. It's evidenced that not only was more interest charged to the subsequent months but the amount paid to principal was less than a normal payment. This information appears to be intentionally deceptive or misleading in an attempt to collect interest where there should not have been and should be reviewed for an UDAAP violation.
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| 03/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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1. Car was impounded by XXXX department of finance XXXX for owed parking tickets.
2. VW Credit repossessed my car from XXXX Department of Finance despite me making arrangements with XXXX Department of finance and communicating this to VW Credit.
3. VW Credit repossessed my car from the car lot on XXXX, on the same day, VW Credit contacted me on the same day stating that they repossessed the car and paid all the fees owed to the Department of Finance, and stated, if I wanted my car back, I would have to pay a total of XXXX by XX/XX/2020. Upon paying the car would be released to me.
4. On XX/XX/2020, I made two payments, one for {$2000.00} and another for {$710.00}. I contacted VW Credit instructing them payment was made.
5. VW Credit then informed me that I needed to fax insurance for the car and following this, the car would be released.
6. Car insurance for the car was faxed on multiple dates with the fax number provided by VW Credit. VW Credit stated that they never received the fax. Finally on XX/XX/XXXX, the insurnace was uploaded into my account 7. VW Credit finally verified the insurance and provided me with a phone number to contact the lot on XXXX. However the number provided was not accurate 8. On XXXX, I contacted VW Credit to request a new number however, they were closed. I then called back on XXXX and was provided with a new number.
9. I contacted the new number where my car was being held, however, was told that the parking tickets were still owed on the car despite being told by VW Credit that they paid everything on XXXX. They also informed me that they took the license plates off my car and I would need to get new license plates.
10. I contacted VW Credit back again on XXXX and was told that VW Credit did pay the parking fees and I would need to contact the department of finance back again to clarify the situation.
11. Unfortunately due to COVID-19, All DMV offices are closed until further notice and there is no way for me to get new license plates, additionally VW Credit did not inform me of any of this prior.
In addition to this and simultaneously, I have been contacting VW Credit for the past 2-3 weeks requesting a pay off quote, I am at the end of my loan. My last payment is supposed to be {$390.00} ( XX/XX/2020 ) however at the end of my loan, I am now told I owe almost XXXX in additional interest fees, in addition to the interest already being paid on the account over the past 7 years. I asked for a supervisor to contact me back regarding this as I have been wanting to pay off my vehicle and was not given a call back. No representative at VW Credit was able to break down where the interest rate came from, when it was assessed, calculation etc. When asked for a written statement breaking this down, I was told by VW Credit, they are unable to provide this.
I am a few weeks away from paying my car off, I have paid almost {$30000.00} in payments to this loan company and want my car paid off. At this point, I have not been able to drive my car since XXXX, despite, this I have continued to pay my car payments and insurance. My car can not be driven now due to the COVID-19 and due to all DMV locations being closed.
My account continue to accrue fees daily, VW Credit supervisor has not contacted me back after three weeks, I am unable to drive my car, in the midst of a world pandemic. At this point, I am demanding all additional interest fees on my account to be removed immediately.
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| 04/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX, I leatned that VW Credit assessed my acvount which was paid erroneous fees listed as other ( {$9.00} on XX/XX/XXXX and {$250.00} on XX/XX/XXXX ) listing them as Other Fees. ( VW Credit defines Other Fees as pay by phone fees, collection fees, title/registration fees, personal property tax fees, reschedule fees, NSF fees, or parking fees of which I had none of the aforementioned fees that could be charged as the claim was paid in full. ) On XX/XX/XXXX, I over paid {$440.00} to VW Credit as VW Credit stated they would repossess my car because the Chapter XXXX Trustee had not sent a payment. I contacted VW Credit ( XXXX ) XXXX ext XXXX and requested a refund because the court clerk stated that the balance owed to VW Credit was being paid by Chapter XXXX Trustee. VW Credit ( XXXX ) stated VW Credit would not refund the money and it will be applied to the VW Claim being paid by the bankruptcy court tefucung amount that the court needed to pay.
On XX/XX/XXXX, The Trustees Report of Receipts & Disbursements for the period of XXXX XX/XX/XXXX indicated that VW Credit claim amount was {$2600.00}, was paid {$38.00}, total paid {$38.00} and owed {$2500.00}. I contacted XXXX at VW Credit XXXX ext XXXX and inquired why the overpayment I made XX/XX/XXXX of {$440.00} had not been applied as a payment. He hung up.
On XXXX, I contacted VW Credit ( XXXX ext XXXX ) and requested a refund of my overpayment of {$460.00} paid on XX/XX/XXXX as it was not applied to the VW Claim as stated. VW Credit responded they would not refund the money stating it was applied to the VW Claim filed with the Bankruptcy Court.
On XX/XX/XXXX, The Trustees Report of Receipts & Disbursements for the period of XX/XX/XXXX through XX/XX/XXXX indicated that VW Credit claim initial claim amount was {$2600.00} and that the Chapter XXXX Trustee paud paid {$2100.00} during this time frame snd that a total paid XXXX was {$2100.00} leaving a balance owed of {$450.00}.
On XX/XX/XXXX, I sent a letter, a copy of the extension agreement from VW Credit dated XX/XX/XXXX, proof of all payments by myself and the Chapter XXXX Trustee paid XX/XX/XXXX - XX/XX/XXXX. I requested my vehicle title as well as refund of overpayment.
I paid {$440.00} on XX/XX/XXXX VW Credit stated they applied overpayment to the VW Claim being paid by Chapter XXXX Trustee.
The balance of VW claim : {$450.00} less payment of {$440.00} on XX/XX/XXXX less Chapter XXXX Trustee monthly payment XX/XX/XXXX of {$43.00} equals ( - {$36.00} ) which indicates the car is paid in full and a refund of {$36.00} needs to be forwarded to Trustee or returned to me.
On XX/XX/XXXX, l contacted VW Credit ( XXXX ) and requested update on status of refund and title release was informed told it was being processed.
On XX/XX/XXXX, VW Credit reported that {$120.00}. 20 was owed as VW Credit charged my account {$9.00} on XX/XX/XXXX and {$250.00} on XX/XX/XXXX listing them as Other Fees. ( VW Credit defines Other Fees as pay by phone fees, collection fees, title/registration fees, personal property tax fees, reschedule fees, NSF fees, or parking fees of which I had none of the aforementioned fees ).
On XX/XX/XXXX, The Trustees Report of Receipts & Disbursements for the period of XX/XX/XXXX through XX/XX/XXXX indicated that VW Credit claim amount was {$2600.00}, was paid {$450.00}, total paid {$2600.00} and that remaining due was XXXX ( claim paid in full )
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| 06/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On XX/XX/XXXX, at XXXXXXXX XXXX, I was traveling home from work. At the time, I was working at XXXX XXXX XXXX, and I lived XXXX XXXX. I made it home to get my dogs to take a gas run with me because its unsafe at that time of night. After picking up my dogs, I approached the light of XXXX and XXXX XXXX. At this light, is where I was involved in a 3 XXXX XXXX. I did a spin out and hit a light pole, which totaled my car. After contacting my insurance, I learned that it lapsed on XX/XX/XXXX because of the low amount in my account, so they would not cover my car accident. However, after explaining the situation to my XXXX insurers, they said they were still able to proceed with the claim given the insurance company provide a denial letter, and my credit company, V.W Credit provided all documents needed. I was able to obtain the denial letter from my insurance company, and most of the documents from V.W credit, the exception being my payment history with a running balance. Being that my insurer denied my claim, V.W credit sent a representative out to where the car was stored after I paid {$600.00} to get it out of the pound and towed to a place it can be stored until further notice. The representative seemed the car a total loss and not salvageable, so they did not send for the car at all. I proceeded to ask them what should I do with the car and whats next because this is my first time doing this, and I was told to proceed with my XXXXXXXX XXXX. However, I could not do that without the final document I was constantly told they do not provide, which is payment history with running balance. I did not understand why I couldnt be provided this, especially being that XXXX is a service that V.W credit offers and should know what they require to cover a vehicle. To no avail, I tried many different ways, even putting XXXX VW credit, and myself on three way to get this issue resolved. Once the new year came, I gave up, and I could not continue to pay to store the car where it was. On XXXX, the car was placed outside on the street where it was picked up by the city. After being picked up by the city, I got a letter from V.W credit stating that they had obtained the vehicle from the city, and they are going to put it up for auction, after telling me for a whole year there was nothing they could do with the vehicle and didnt want it. I explained that I had been paying for storage for a year because they said otherwise which isnt fair for them to just switch now and place a repossession on my credit. I hadnt heard anything back from them the entire year, nor did I have any derogatory marks for the payments not being paid. After speaking with my lawyer about the situation, he explained to me by not providing the documents I needed, they forfeited their payment. However, VW credit doesnt see it that way. Now, a year and a half later, I am attempting to get another car for my child and I, and it is stating that I have a 2 month old repossession on my name. I do not feel that this is fair at all. The only thing V.W credit tells me is that they are sorry that the representative misrepresented, and they are sorry I was denied the payment history multiple times, but a sorry is all they can offer. This could have been handled and done correctly. However, their multiple misrepresentations is the reason why it wasnt, and I am stuck paying the consequences of something I tried to handle correctly.
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| 02/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I recently purchased a XXXX XXXX financed with VW Credit. I wanted to let you know what a horrible experience I have had. I will try to keep it very simple : 1 ) I scheduled an online payment from my credit union checking account for my first payment. I used my full account number including the suffix of 10, which indicates a checking account. This payment didn't go through, but I didn't receive notice until XXXX at which time, two payments were due.
2 ) I corrected the account number and tried again, this time to cover both payments. At first, my online account said the transaction was pending and then it just disappeared from the VW Credit web page. I had to call customer service to find that It failed. Mind you, I make online payments to at least four other financial institutions using this same account number.
3 ) Next, I used a totally different checking account number. Same results. On my account web page, it said transaction pending, and then it just disappeared. I called customer service and was told it failed.
4 ) On XX/XX/XXXX, I Express Mailed a check for the XXXX & XXXX payment that VW credit received XX/XX/XXXX. My VW Credit account was credited and the check for XXXX ( payment for XXXX and XXXX ) cleared on XX/XX/XXXX. Interesting that the check, which has the exact same routing and account numbers on it that I used in step 2 above, was deposited and cleared in one day!
5 ) I happened to check the account I used for payment in step 3, and what a surprise to see that on XX/XX/XXXX my checking account was debited by VW credit for XXXX ( 2 payments including late fee ). This payment does not show up in my online VW Credit account a week later! Ive now paid a total of XXXX but my account only shows the XXXX payment.
6 ) Yesterday, XX/XX/XXXX, I uploaded a document proving that the online payment was debited from my checking account. XXXX, the rep I spoke with, promised he would get a supervisor to review it right away and call me right back. A day later, and Ive heard nothing.
7 ) Today, XX/XX/XXXX I submitted two ( not one, but two ) secure messages from my VW Credit online account. Usually, I immediately get an automated email saying the message was received and it shows up in my message box. Today, neither happened.
8 ) Today XX/XX/XXXX I called customer service and was told that the finance department was investigating. They accepted my proof that the money was taken from my account, but they were trying to find it. As soon as they found it, my account would be credited.
9 ) Today XX/XX/XXXX, my account has still not been credited even though VW credit and my bank confirm the money has been taken out of my account.
What is not detailed in the info above is that : I have called a number of times over the last XXXXhree weeks and have spoken with multiple VW Credit customer service reps. I have sent three emails describing the problems all along and have uploaded proof that the online payment was debited from my account. They did nothing to figure out why my online payments to my checking accounts were not working. They still have not remedied the matter and credited my account for the payment XXXX. Obviously, there is something wrong with your website and you accounting system. In addition, from the responses I received from my email exchanges, it is obvious that the persons who responded didnt even fully read ( or understand ) my message.
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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On XX/XX/2023 I contacted VW Credit of my exercising my federal right as a consumer to opt of reporting to XXXX and XXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' VW Credit is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' VW Credit- the financial institution, and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and VW Credit whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' VW Credit never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, this account is shown on my credit report as a Charge-Off from VW Credit ( credit report attached ). The IRS clearly states that a consumer should receive a 1099-C filed by the financial institution with the IRS for that Charge-Off. I have included the 1099-C Copy B ( attached ) that I received as proof that this was received now making this Charged-Off amount taxable income. The IRS and FCRA clearly states that income can not be reported to a consumer report.
|
| 04/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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The following correspondence was sent to XXXX XXXX on XX/XX/XXXX ( I have redacted my contact information : I am writing this letter for your assistance with a recently reported 30-day late payment on my account. I have been a loyal XXXX customer for several years and never had an issue with my account that required escalation to this level.
On the XX/XX/XXXX, I accessed the XXXX XXXX website and made a payment as I typically do every month. Everything appeared in order as I submitted the payment and I received no other correspondence ( phone calls or mailings ) after that date regarding my account, so I assumed that everything was fine until Saturday, XX/XX/XXXX. On that date, I received several alerts from my credit monitoring subscriptions that I was delinquent on the account and a 30-day late was being reported to the credit bureaus. Upon receiving these alerts, I immediately tried to phone XXXX XXXX, but unfortunately the office was closed. In addition to calling, I immediately accessed my account online and paid the entire outstanding balance, with the account now reflecting a payment due date of XX/XX/XXXX ( which was also verified today XX/XX/XXXX by XXXX XXXX ).
In closing, Im not clear what occurred with the payment on XX/XX/XXXX, but this has been an extremely stressful event for me. I take great pride in having good credit and this problem has caused my credit score to drop significantly ( 100 points ). My lease on this vehicle is due to end in XX/XX/XXXX, and while I was hopeful to remain an XXXX customer, this adverse credit mark will make that difficult.
*** In a short letter dated XX/XX/XXXX, XXXX responded that they would not be able to help me and provided me with a phone number to call ( XXXX ) with additional questions. No details regarding what happened to the payment made on XX/XX/XXXX were provided. I have tried to call the above mentioned number numerous times to get clarity on their investigation and have been put on endless holds and informed that there are no details to share. They also continuously quote wrong address information when verifying my account for security purposes ( which I have corrected every call ). This may be why no correspondence regarding the original late payment were ever received, but definitely adds to the confusion and challenges in dealing with this company *** ***XX/XX/XXXX Update*** I tried again today to call XXXX XXXX and determine what occurred to the payment I made on XX/XX/XXXX. The Customer Service Representative that I spoke with again misquoted my mailing address. Initially, she stated that she couldn't assist with any details and that the decision was final. I reiterated that the letter I received on XX/XX/XXXX instructed me to call with questions. She put me on hold for 15+ minutes. When she returned she said that her supervisor said there was nothing they could do, but she would transfer me to the team that could. She then placed me on hold for another 20+ minutes. When she returned to line she said again that they couldn't assist and that the decision was final. When I questioned her further and asked for investigation details, she said none could be furnished. Dealing with XXXX XXXX has been a horrible experience. Again, I have been a loyal customer to them for years and never had a problem, but their company values become clear with this interaction.
|
| 02/01/2021 |
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
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|
Web |
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1. What is this complaint about?
XX/XX/XXXX Traded XXXX XXXX XXXX which was leased from XXXX XXXX XXXX XXXX , Co for a new lease on a Jeep from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Colorado and XXXX is requesting I pay an additional amount of {$4000.00} because the payoff information I provided was not correct even though the payoff information I provided came directly from XXXX XXXX XXXX.
2. What type of problem are you having?
XX/XX/XXXX XXXX is requesting additional payment of {$4000.00} for Jeep lease two months after lease deal completed.
3. What happened?
XX/XX/XXXX In process of making new lease deal, contacted VW Credit for payoff information. VW Credit phone message stated they could not provide quote due to Colorado rules and regulations that I must contact my originating dealership for payoff information. I contacted XXXX XXXX, XXXX XXXX XXXX XXXX, and was quoted the payoff from the Finance Department that the payoff amount was {$19000.00}. I put this amount onto the new lease paperwork at XXXX and closed the deal leaving the XXXX XXXX leased vehicle with the XXXX dealership.
XX/XX/XXXX Received call from XXXX XXXX XXXX XXXX XXXX from XXXX stating the dealership is attempting to make payment to VW Credit and that the amount for the payoff I provided was {$4000.00} short.
He said that I needed to come up with the difference either by a single payment or redoing the finance and build it into my note. I told XXXX, neither option was acceptable and offered to return XXXX and take the traded XXXX XXXX back to XXXX. XXXX states this is not an option because they have already sold the XXXX XXXX.
I explained the payoff information provided from XXXX was correct and that he needed to contact VW Credit again. I went online and verified the payoff information obtained on XX/XX/XXXX from XXXX XXXX was correct and the website still showed the payoff was {$19000.00}.
On XX/XX/XXXX I contacted VW Credit and was able to speak to someone regarding the issue. I spoke with XXXX, ( Employee # XXXX ) and he explained that the payoff information provided was correct if I were to purchase the vehicle but if traded to a third party, the payoff is not the same amount. I discussed with XXXX that this information was not provided anywhere on my VW lease paperwork and that XXXX XXXX did not provide that information when I obtained the payoff or when I called them back several times attempting to figure out where the difference was coming from.
I began email communications with XXXX XXXX, XXXX, as well as XXXX XXXX, XXXX, the Finance Manager at XXXX attempting to resolve the payoff issue.
XXXX, XXXX XXXX XXXX have ceased communication with me as you will see in my email chains. I will include attachments showing email chains which have occurred from XX/XX/XXXX going forward.
4. What company is this complaint about?
VW Credit XXXX XXXX XXXX XXXX , XXXX XXXX XXXX of XXXX, Co.
5. Who are the people involved?
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX, ( Employee # XXXX ) at VW Credit XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX should not be sold if they did not have a clear title.
2. Why did it take XXXX XXXX almost 2 months to let me know that VW Credit was not accepting the payment?
I have now received a letter from VW Credit stating I am in Default under the terms of my lease agreement.
|
| 02/09/2023 |
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
|
|
Web |
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Below is the original letter I sent to XXXX regarding the issue with payment that caused my information to go to collections. In good faith, I made every effort to resolve this issue as soon as it was brought to my attention and I made all payments in full and am up to date with all my payments to complete my lease. The original way I found out that there was even an issue with Audi Financial was via XXXX XXXX at which point I reached out and made an effort to understand what the issue was. Audi Financial made no attempt to notify me that I was behind in payments, they never directly called or mailed anything to notify that this account was past due and would be going to collections.
The end date of my lease recently came to an end on XX/XX/XXXX. I went to the dealership to return my car and have been working with one of the sales associate to lease another car as the sales associate and finance person both could see on their back end the notes regarding the incident and the fact that all issues have been resolved. The sales associate explained that the incident that occurred with me and the setting up of auto payment has been an issue with other XXXX customers and has caused credit problems for others as well. This is unfair that despite my efforts to work with XXXX for months to resolve this situation and despite having paid everything in full that this error has caused such a ding to my credit which now is preventing me from leasing another car and from purchasing a home. I seek a resolution with Audi Financial to remove this negative report on my credit as it was an issue on their end and something I attempted to resolve as soon as I became aware there was an issue.
Letter Sent : XXXX XXXX, XXXX RE : Disputing late payment.
Hello, My Name is xxxx. I am writing on behalf of the XXXX XXXX XXXX xxxx that I currently lease. I received a letter from collections that I owed past payment to you. I was completely unaware of this incident until I went to try and buy a house. The month I was supposedly late on was the month I tried to set up direct deposit. I followed all the steps but apparently did not go through. I had then the following month went to make sure my payment was processed but when I logged into my account there was no payment option or review payment like there has been in the past. At that time, I assumed it was set up correctly and payments were coming out of my account. 82 days later I get a collection notice via mail. As soon as I got that letter, I called XXXX and wanted to know why. It was then that I found out after speaking to one of your representatives that the payment option disappears on your account if you have a late payment. I knew absolutely nothing about this. Especially thinking it was set up correctly. I did not receive a call from anyone at XXXX stating this was going to collections. Once this was brought to my attention, I reached out to the collections company and paid everything in full. I had the money, and this was an honest mistake. I would really appreciate it if this would be removed from the credit bureaus as I am trying to purchase a home for my future. This is my fourth XXXX I have had with you guys, and you have been nothing but great to me.
I really look forward to this being solved and hearing from you.
|
| 09/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Volkswagen Credit reported late payment fees as a late payment in itself. This is not the first time Volkswagen Credit has engaged in such behavior and said behavior is unnecessarily sabotaging my credit score and earlier in the year reported late payment fees as XXXX and plus days late. Communication is poor with Volkswagen Credit. In mid to late XXXX just before, during, and after I contracted XXXX that left me XXXX for about a month - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and co-borrower on the loan was a victim to fraud and the checks she wrote to Volkswagen were returned. However, Volkswagen was informed that she was a victim of fraud but not only did Volkswagen Credit seem to ignore this information- they insisted that it was me or someone pretending to be me who made a payment after they attempted to pull money from my personal bank account without my permission of which caused another check to return once my former mother-in law 's check did not go through. I did not authorize a payment for that specific month ( they had been given my bank information from a previous authorization for a one-time transaction ) and my ex-mother-in-law insists that she did not make such an authorization. Volkswagen Credit had a duty of care to at least investigate this matter but instead, I was financially punished both with having to pay back fees associated with check return fees and late fees and with negative changes made on my credit report. This led to more financial harm because I was not able to work when I became XXXX XXXX XXXX - I fell back on payments and was charged late fees again. The company also refused to update my credit report even after being informed of these circumstances and did not work with me or provide at minimum any relief to my credit score for circumstances beyond my control. Then they reported late fees as a 30-day late payment on credit report earlier in the year and have done so again for the month of XX/XX/XXXX. The stress of dealing with these situations was a contributing factor of extreme emotional duress that led to an emotional and mental breakdown about XX/XX/XXXX leading to a loss of XXXX XXXX XXXX XXXXXXXX XXXX XXXX after being unable to financially afford an attorney -partly due to negative remarks on my credit report by Volkswagen and having to pay back late and return check fees and of which caused me to drop out of school and change degree course after being accepted into a Veteran Affairs ' educational program that would have paid for a XXXX XXXX XXXX to a program with an XXXX XXXX XXXX in an attempt to reduce the work load and obtain employment- but it was too late and I still had an XXXX XXXX XXXX XXXX I have still not fully recovered from this XXXX because I can not obtain housing outside of the former martial home of which leaves me at the mercy of a contentious former spouse and living next door to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was just beginning to get my life back together and on track to improving my credit score so I could buy a home within the next six months when Volkswagen Credit decided to report late fee charges as a 30-day late payment even though I am not currently 30 days late on loan payments.
|
| 02/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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Hi, On XX/XX/XXXX, I traded in my XXXX XXXX XXXX XXXX to the XXXX XXXX XXXX XXXX XXXX XXXX. The payoff as cited by XXXX VW dealership was {$14000.00}. It was this amount that was sent as a payoff along with all documentation to VW Credit. VW Credit received this payoff check on XX/XX/XXXX. However, they continued to leave my account as active status and as an active lease as if I still had the car and did not close the account. They never informed me once. When I was applying for a loan this week, I was informed by the banks that I have an active lease that I am 42 days past due. When I called VW stating that I don't have the car anymore and the dealership already paid off the car, they stated that the payoff amount they received was for a franchise only payoff which was only for Volkswagen dealers and not for out of VW dealers and not for a out of franchise payoff. They admitted on receiving {$14.00}, XXXX which was 100 % of the amount that was told to us by XXXX VW Salesman as to the payoff to the car. However, VW Credit believes the amount is short {$860.00} and that the amount should be {$15000.00}. In fact, they received 94.2 % of the amount, but reported me on the credit report as if they received nothing and that I have been behind my lease payments for 42 days. The out of franchise payoff was {$15000.00} which was {$860.00} more than what I and the dealer was told from XXXX VW. Since VW Credit did not receive what they feel was the full amount for the car that I traded in on XX/XX/XXXX for a new XXXX, they left my account open. They did not update the credit report stating that they received {$14000.00} already and left it on the credit report as if I intentionally neglected to pay my lease payments. Furthermore, this {$860.00} is an erroneous number that neither VW Credit or XXXX VW told us when we got the pay off from Gunther VW. The process to get the pay off was to approach the dealer which XXXX XXXX XXXX XXXX XXXX told me was correct. She also admits that the error was not on XXXX XXXX or me, but on XXXX VW for providing the wrong payoff which was intended for franchise specific one and not for out of franchise payoff. Since neither of us were at fault, VW credit still wants the {$860.00} from the dealer or from me for a car that I don't even have anymore and has already been sold. There was no way knowing that the payoff received was for a franchise specific one and not for a out of dealer one, yet I am being held responsible and my credit has been hurt in the process. XXXX informed me she would need a letter from XXXX XXXX detailing everything I mentioned and claiming fault for the amount that XXXX VW provided us to update my credit profile. The letter was faxed in on XX/XX/XXXX. However, they still need that {$860.00} from the payoff that neither I or the dealer knew about it when the deal was made. We were only told about the {$14000.00} amount. My account is currently with the 30 days past due department when in fact there is no past due amount on my car since I don't have the car anymore. Furthermore, they have now told me that they will not update my credit report until they receive the payoff shortage of {$860.00} and an odometer statement from XXXX XXXX.
Thank you XXXX XXXX Desired Resolution / Outcome
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against VW Credit, addressing their persistent attempts to collect on a debt that arose from identity theft in XXXX. Despite submitting multiple FTC affidavits, police reports, and evidence proving that I did not purchase the vehicle in question, VW Credit has continued to pursue collection activities.
Notably, for the past five years, they have been consistently reporting negative information on my credit report, even falsely marking the car as repossessed. However, the truth is that the car was recovered by the police after being stolen and then left abandoned in a random parking lot. It was subsequently returned to VW Credit by law enforcement.
The Fair Credit Reporting Act ( FCRA ) outlines several key provisions that VW Credit 's actions seem to violate : 1. **Accuracy and Integrity of Information : ** VW Credit is failing to ensure accurate reporting by persistently documenting a debt that doesn't belong to me, thereby compromising the integrity of the information provided to credit bureaus.
2. **Investigating Disputes : ** Despite the submission of multiple FTC affidavits, police reports, and evidence refuting the debt 's validity, VW Credit has not adequately investigated or rectified the reported inaccuracies, as mandated by the FCRA .
3. **Obligation to Correct Inaccurate Information : ** The FCRA requires credit agencies to correct or delete inaccurate, incomplete, or unverifiable information. VW Credit 's continuous reporting of false debt without proper verification violates this obligation.
4. **Prohibition Against Furnishing Information Known to be Inaccurate : ** VW Credit is violating this provision by persistently furnishing credit information they know or should know is inaccurate, as evidenced by the provided documentation proving the identity theft and lack of ownership.
5. **Required Procedures for Handling Identity Theft Victims : ** The FCRA includes specific procedures to address victims of identity theft. VW Credit 's failure to appropriately handle this case indicates a breach of these mandated procedures.
6. **Reporting Policies : ** VW Credit 's reporting of a repossessed vehicle, despite the circumstances of the vehicle 's recovery being due to theft and subsequent police involvement, appears to contravene the FCRA 's requirements on accurate and fair reporting policies.
These violations collectively show VW Credit 's disregard for the fundamental principles outlined in the FCRA, causing significant harm to the affected individual 's credit and financial well-being.
This relentless reporting on an account that is not mine blatantly violates several FCRA ( Fair Credit Reporting Act ) laws. I demand that VW Credit immediately cease all collection endeavors related to this erroneous account and promptly remove it from my credit reports. Their persistent actions have not only damaged my credit but have also caused undue stress and financial harm.
It is important to highlight that I am fully prepared to take legal action against VW Credit if they do not comply with the necessary corrective measures. I am seeking your assistance in resolving this matter promptly and justly.
Sincerely, XXXX XXXX
|
| 04/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
Servicemember |
|
On XX/XX/21 I went in to XXXX XXXX Volkswagen on XXXX after several months of doing research on the Volkswagen XXXX. The only reason I went to a physical dealer is because I wanted to try a leasing option. I submitted an inquiry with Volkswagen and XXXX XXXX messaged me almost immediately. We text back and forth a few times and then I made an appointment to go in with my husband and XXXX XXXX old infant. I advised XXXX how I had been looking at the XXXX for some time, so we test drove the actual model that I purchased. Although the model was an upgrade above what I wanted, XXXX advised that there were no other models available and he was not sure when they would receive more.
Negotiations for the deal went well until it was time for me to sign the contract. By this time, it was after XXXX so I asked my husband to leave and take our XXXX son home since it was getting so late. I finished paperwork with XXXX XXXX and heres where things took a turn. I felt pressured to purchase an extended warranty which pushed me outside of my original note request ( {$600.00} range ).
Immediately, I had second thoughts. I remember texting XXXX before I left the lot in which he replied and said that he would speak to XXXX on Monday ( next day open ). On Monday, I contacted XXXX and asked if he or XXXX could contact my husband to go over the details of extended warranty ( which he did ).
My husband and I were not able to discuss that chat until later in the day.
On Tuesday, I contacted XXXX again. Advised that I wanted to remove the extended warranty. I went in and spoke to XXXX this day. He was adamant that no changes could be made and that the deal had already been funded ... that god would continue to provide and make a way.
The next day I contacted XXXX again. XXXX called me. I let him know that I really wasnt happy. I advised I hadnt been able to sleep and I referenced XXXX ( my previous car purchase ) was easier and that it had only been 3 days at this point. I did not understand how nothing could be changed. He advised that he would call me back.
When he called back, I told him I was close to the dealer and could come in. When we met he advised that he was able to contact Volkswagen and drop the note from {$730.00} to {$690.00} keeping the warranty. I advised that this was not good enough however he insisted this was the best he could do. I left the office.
A few hours later I went back and asked to speak to the General Manager. I dont remember her name but she was a woman. She advised that because my deal was so new she was unable to see the details of the contract. I told her who all had assisted with the deal so she stepped out for a bit and spoke to XXXX. When she returned to the room she advised that the deal had been funded and that Volkswagen was closed for the day and no changes could be made.
I asked what would happen if I wanted to cancel the deal all together and she said I would have to take a repo on my credit. I asked if I could change the vehicle for a less expensive car and she advised that this was not possible either. I left the dealership in tears. I let her know that they made what should have been an excited moment for me a nightmare. I would never ever recommend this dealer to anyone.
|
| 08/15/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX XXXX, XXXX I decided to go to VW to see about purchasing a car. They had specials going on, the year end " Sign and Drive ''. It appealed to me because I did n't have to put any money down. I wanted a new car. I never had a new car before. I figured that leasing a car would be better for me at the time. In three years I could trade it in for a new one, or keep it. Which was better than keeping a car for 5 years to pay it off. Either way they ran my credit and I was approved. I paid for more mileage just in case I went over. I lived close to work, but traveled occasionally to see family. The car was great. I enjoyed it. I made my payments on time until the last year. I changed banks and setup auto pay. Some how I was always 30 days behind for a few months. I never received anything in the mail regarding this. I am not sure I missed a payment and that continued to trickle down over the months. It made my credit look bad. This was in XX/XX/XXXX. My lease was almost up. In XXXX XXXX I had some mechanical failures ( electrical box ) that had to be replaced. That was {$500.00} out of pocket that was not warrantied for some reason. After spending time with the vehicle and knowing how much was owed, I decided it would have been best to just purchase it at the end of lease. Then I find out I CAN NOT DO THAT because of my CREDIT. When I leased the vehicle my score was a XXXX. Now it was a XXXX. NEVER did I see anything stating I could not get my loan changed from lease to purchase through VW Credit. My credit changed. I was paying for the vehicle. Now I have derogatory remarks on my credit and I owe VW Credit a {$9000.00} overage for using the vehicle. To purchase the vehicle it was {$12000.00}. I went over my miles because I had planned on keeping the car. I feel like I have been scammed out of a car. Why? Because I leased it through VW Credit. When leasing the vehicle all it said was if you chose to keep your vehicle just pay {$1.00} to change from lease to purchase. VW Credit could not finance me due to my credit score. I could not get financed anywhere else. I tried. Medical issues and Family issues kept me from getting financing. I had to return the vehicle, only for VW Credit to charge me with {$9000.00} of overage. I would have rather kept the vehicle. The buy price was {$12000.00} at the end of my lease. For {$3000.00} more and I could have bought the car. VW Credit later sold the car for {$15000.00}. They made and extra {$3000.00} more off of my vehicle by selling it to someone else. By adding my {$9000.00} mileage overage it would bring $ XXXX+ {$9000.00} the total of {$24000.00} for a brand new purchase price of {$32000.00} for a vehicle that was 3 years old with XXXX miles. I do not feel that is right. I feel like I was setup and scammed. VW Credit needs to specify up front that at the end of your lease you have to find another lender for financing. Credit may prevent you from owning your vehicle if even if you planned on keeping it. I was never told this. Otherwise, I would have purchased up front when I could have done so. I also tried to convert over to a purchase 30 days into my lease, they said I would have to wait until the lease was over.
|
| 07/10/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I had a lease through Volkswagen Credit. I was unfortunately in XXXX different car accidents this year ( XX/XX/XXXX ), and the XXXX accident totaled my car. It was declared a total loss. My biggest concern is that I am being charged for things that I am not responsible for ; like excise taxes and payments that were covered by GAP insurance. The town I live in has told me that VW credit handles tax abatements in cases like mine or similar and VW has informed me that I should pay them ( VW ) for taxes and then get an abatement from my town hall in XXXX, MA. I have learned that it is not my responsibility to pay the excise taxes because the car was totaled, I am only responsible for the insurance deductible amount stated in my policy.
Not only have I been billed in excess of these, I have been charged late fees as well. My credit is being reported to incorrectly as though I am late and not paying my lease payments on time.
The car was totaled in XXXX of XX/XX/XXXX, before any payments were due that month. My car insurance and XXXX have already worked out a settlement and my GAP coverage has paid what should have satisfied the lease agreement entirely, leaving me with only a {$500.00} deductible remaining. Instead I am being billed over {$1000.00} ( {$1000.00} ) for supposed past due amounts and late fees as well as excise taxes for XX/XX/XXXX.
As I said earlier, this was the XXXX accident this year, and I also had a payment agreement which deferred the payments from when my car was being repaired to the end of my lease. I did not have my car for over XXXX months, and was unable to make the XXXX XX/XX/XXXX and XXXX XX/XX/XXXX payments, or it was the XXXX and XXXX payments which were the deferred ones. Never the less, the GAP coverage was responsible for paying these, as it was through my auto insurance and I was current on all payments at the time the car was totaled.
XXXX I have had to pay extra money to make payments through XXXX or XXXX XXXX. And I was still reported as late on my credit reports. I made the payments needed to satisfy the deferment for my account. Also since it was declared a loss before the payment due date the month of the XXXX accident I should not owe a payment for that month. And once again, the town I live in has said it is VW who applies for the tax abatement and not me.
Please help as there are so many issues here and I can not seem to get anywhere with them.
Once again these issues are:1. Excise taxes which I am being told to pay and then apply for an abatement for.
2. GAP coverage that was already settled, yet I am being billed more than my share of it, which should be only my deductible amount, or {$500.00}.
3. Late payments being reported when I have copies of my deferment agreement and have made payments to satisfy that agreement.
4. Late fees that I am being charged, when it was solely between VW Credit and XXXX XXXX XXXX what the negotiated and final payment amount would be. VW has received this payment and are still billing me for more than I am liable for or responsible for.
5. It is my credit being ruined, and not for late or missing payments, only false late fees on payments already made, deferred or never due.
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| 03/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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In XXXX of XXXX I attempted to log into the VW Credit website to make a payment, setup automatic recurring payments, and update my contact information. For reasons I do not understand, VW Credit had disabled this functionality which was previously available through the online account management portal. Instead, the website said I needed to call if I wanted to make a payment. I called and got an automated recording that said that VW Credit was closed and I needed to try again during normal business hours. VW Credit did not allow me to leave a message.
Later in XXXX, XXXX, I tried to call again during normal business hours and received a recording that stated VW Credit was closed for a company-wide meeting. Again, VW Credit did not allow me to leave a message.
On XXXX XXXX I logged into the website and submitted a web form stating : " I used to have auto-pay setup and my bank changed my checking account numbers. I tried to set up auto-pay again and the website said to call. I tried to call during normal business hours and the recording said all employees were at a company-wide event. I want to get auto-pay setup and I would like all documentation of late payments expunged. XXXX XXXX Account Number : XXXXX XXXX XXXX '' Even though I indicated I had been having trouble reaching VW Credit by phone ( and VW Credit later stated they had XXXX the online access because they wanted to talk with me via phone ) and even though I provided the best phone number by which they could reach me, VW Credit declined to call me. On XXXX, XXXX at VW Credit stated VW Credit did not call in reply to my message because I did n't explicitly state that I wanted them to call me.
When I submitted the web form it was because I had been unable to reach VW Credit by phone - after multiple attempts - and I was unable to make payments through their website. When I submitted the form I was not given any indication or expectation as to how they would be returning contact with me. I expected them to call me and that is why I provided my phone number in the web form. When submitting the web form I was not told, " Please check your messages on our website in a few days for a response. '' I was given no expectation as to how VW Credit would reply and I was n't even aware there was a " Message Center '' on their website where they could leave a message for me. As far as I knew, it was just yet another attempt by me to contact VW Credit that resulted in yet another dead-end.
On XXXX XXXX, XXXX I received a call and voicemail from VW Credit which I returned within minutes. I spoke with someone who said that VW Credit was calling because my car payments were past due. The call eventually escalated to XXXX in the XXXX office who told me that my account was out for investigation and VW Credit went through extraordinary measures to reach me. This is extremely frustrating given these facts : It is not fair that VW Credit can disregard their responsibility to accept payment, refuse to be available to their customers or allow their customers to update their information, and then blame their customers for failure to pay and negatively affect their customers in this way.
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| 12/16/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, entered in to a consumer credit transaction On XX/XX/2021, with VOLKSWAGEN CREDIT. This consumer credit transaction included a finance charge. 15 U.S.C. 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Upon review of the contract between Volkswagen Credit and myself, I learned that they violated 15 U.S.C. 1605 by not including all charges in the finance charge as they are supposed to. They charge an additional finance charge. The finance charge is also supposed to include insurance but this was never disclosed to me and I was repeatedly asked to provide insurance for the vehicle before obtaining the vehicle.
This contract also utilized my credit card, as defined in 15 U.S.C. 1602 ( The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ) to determine my eligibility for this consumer credit transaction, but they excluded me from the personal use of my vehicle.
After reading my contract, I realized that VOLKSWAGEN CREDIT has willingly and deceptively not given me information that XXXX U.S.C. 1635 requires them to provide to all consumers who enter in to a consumer credit transaction with them. This information must be disclosed. VOLKSWAGEN CREDIT is now criminally liable as well as civilly liable, 15 U.S.C. 1611 and 15 U.S.C. 1640, for not disclosing or providing my right of rescission as they are required to do.
Upon review of my contract in regards to my consumer credit transaction between VOLKSWAGEN CREDIT and myself, under 15 U.S.C. 80a-46 b ( 1 ), it became evident that the violations to the terms in the the contract and violations against myself, by VOLKSWAGEN CREDIT made the contract void.
On XX/XX/2021, VOLKSWAGEN CREDIT received and signed for a Copyright/ Copy Claim Affidavit Under Constructive Notice and my Notice of Dispute of the Debt. VOLKSWAGEN CREDIT violated 15 U.S.C. 1692 g ( b ). VOLKSWAGEN CREDIT proceeded to illegally take action against me and violate many of my rights. They refused to acknowledge my Dispute or my Copyright/ Claim affidavit. VOLKSWAGEN CREDIT failed to provide what was needed under 15 U.S.C. 1692 g ( b ) and never failed to cease collection of the debt until they provided the documentation required to validate the debt. VOLKSWAGEN CREDIT has also failed to send any response to the notary presentment, notice of lien, or notice to cure. VOLKSWAGEN CREDIT continued to accrue charges, fees, interest, and penalties against me and have decided to file a lawsuit once they defaulted on the contract.
On XX/XX/2021, VOLKSWAGEN CREDIT received and signed for the Notice of Lien. They are failing to acknowledge my dispute, notice of lien or notice to cure. After defaulting on our initial contract, they have continued to take action against me and are now illegally attempting to file suit against me for violating my consumer rights and for them failing to follow the laws in their contracts. VOLKSWAGEN CREDIT violated 15 U.S.C. 1692 e ( 4 ), ( 5 ), ( 6 ), ( 6B ), ( 8 ), ( 10 ), ( 15 ), and 15 U.S.C. 1692 f ( 6C ).
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| 07/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Im writing this complaint about errors on my personal consumer reports. There is currently erroneous information reporting on my credit report. I will attach a screenshot of it. I tried resolving the situation with the company many times. It seems all I kept getting was automated answers when I wrote them. When I got an employee over the phone, they never followed through with what we discussed. This is an ongoing issue that is affecting me and which I have mentioned to them. Any engagement I have tried with them did not fix the errors.
The XXXX Credit Report shows inconsistencies in the reporting. What XXXX is reporting is not what XXXX and XXXX is reporting. XXXX is reporting that I was 30 days late in XX/XX/2019, while it shows on XXXX and XXXX that I was late 60 days in XX/XX/2019. I went and checked my bank statement and I have the autopay draft shown deducted in XX/XX/2019 at the regular base rate while on XX/XX/XXXX it showed the draft payment include a past due charge. How is it that autopay is being assessed a past due amount? What is their policy for autopay failing? I have never received any notification of adverse actions that would be included on my report from VW. I thought that was something they were supposed to make me aware of and afforded an opportunity to rectify. I nearly had perfect credit which reflect I am trustworthy, and it is inconsistent with my behavior patterns to be paying late. I mentioned how I have never been late in 25 years of leasing. I believe all the written answers I was getting from them was from a machine. Since I have not been able to get a response from a human in writing from the company, I figured I will complain and express my confusion here to get some answers.
Im including excerpt of when payment was drafting from XX/XX/2019, XX/XX/2019, XX/XX/2019, and a bank statement showing the itemization of the XXXX payment. Altogether, those documents will reflect the regular base pay, which was consistent in XXXX and XXXX at {$820.00}. The transaction in XXXX show a total of {$880.00}. Another thing that raised concerns was the past due fees was the same as the sales tax at {$54.00}. I am wondering how they managed to attach past due fee to an autopay, let alone figure out in what accordance they are calculating those past due fees. All I have been requesting as a solution is a reversal of those late payment remarks to reflect my true credit worthiness. It is already a difficult time that we are in. And I have noticed they annotate it in my report that this account has been affected by natural disaster. However, that is not helping the issue as my only late payment on record are outside of that window when Covid 19 started. It is a mistake completely unrelated that is lingering and adding to the tough time we are all experiencing. I would like for VW to investigate my file further and realize that my request is reasonable with past payment history that goes beyond 25+ years. Not one late payment from no other creditors during that time. This is truly a misunderstanding my family need corrected.
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| 05/21/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Older American |
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XX/XX/XXXX XXXX, Fl VOLKSWAGEN CREDIT XXXX. CONSUMER CREDIT INQUIRY XXXX. XXXX XXXX XXXX, Oregon XXXX Dear Srs. This is my situation : Last year I leased a XXXX XXXX and I used it for a while. Because my monthly payment was high I consulted with an employee and she told me about a XXXX, XXXX, that had been returned and, if I decided to buy it I will pay {$50.00} less. I agreed, signed all the papers, and began to run my own car 1- Some months ago I filled the tank and I saw a red signal telling me that something was happening. I took my car to the dealer and they told me that I have not put well the gas cap and that had caused some trouble, and I have to pay {$700.00} in order to correct it.
! XXXX! An employee suggested me to lease other car, and the accountant told me I would receive a certain a big-amount for my XXXX. I still dont know why I accepted this new deal.
2- I leased a new XXXX XXXX and What happened? I had only used it for a month and a half and on Sunday XXXX XXXX I intended to drive it and it didnt start. I called the dealer and they sent some help and took my car to their facilities.
3- I called the next day, Monday XXXX, and they told me that the problem was fuel contamination and I had to pay {$800.00} XXXX What? How do you pretend me to pay this amount for a factory problem the car has? What guaranty do I have, in the case I do pay this, that next month it happens again? Fuel contamination? But the fuels I use come from any gas station?
4- My answer was and it this : I wont pay anything for some factory defect the car has. Keep the car. You charged me with {$2000.00} which I pay as a down payment, well take that money and that is!
There are two more thighs : nobody explained to me that you were charging me with some amount of money because I have returned my XXXX XXXX. Beside that nobody explained to me that you will charge me more monthly payments because I gave as trade in my XXXX. The guy there told me the Co. would credit me with XXXX for my XXXX and, after signing my new contract, then I realized that the accountant have added to my new contract payments from the XXXX and from the XXXX. My new bills were now {$570.00}. Next day, after signing my new contract, and when I realized what were my new bills, I went to the dealer and told them I couldnt pay these bills, I wanted to return back the XXXX and the person there told me that I couldnt do that.
I am XXXX years old, and a retiree person enable to continue paying this amount with all you have added, without explaining me in a proper way. I fell that I have been surprised by your company. My suggestion is this : You keep the {$2000.00} you charged me, and you also keep the car. I dont want it and I cant pay it, any ways I used it only a month and a half.
If you dont agreed with my suggestion Ill send my case to the BBB and they will see it.
I receive.d yesterday a notification from a collection Co. asking me to pay in full {$18000.00}. This co. is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX. Acct. XXXX. VW original Acct. XXXX Resp. XXXX XXXX XXXX
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| 07/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I learned last week, that Volkswagen Credit has listed my prior loan with them as unpaid, they marked 7 late payments and my credit score is so low, I can not get a loan. I also come to find out they archived my information when speaking to XXXX in VW Credit, therefore, I now know why when I inquired about issues I researched with my car, or other ones at the time, I was exluded and told my model wasn't a part of this. As a matter of fact in most cases my car doens n't exist to anything I would have had compensation or recall repair to. The main issue at hand however, is the false information, and the fact that illegally I was sent correspondence about the repossessoin ( after 3 months in which I admit I defaulted but due to complications from a prior accident ). So 7 late payments is wrong. Further, in the State of California, you are allowed to restore your status one in a twelve month period before they can make you pay the entire loan. You may do this twice in the lifetime of the loan. I was not given this opportunity, and even thought I fought them about it, the bottom line was, they had me by the XXXX cause they had my car. So I paid {>= $1,000,000} which included all these fees and yet they have {$17000.00} ( not exact amount ) showing like I walked away from this. The impact on my credit score is worth over 125 points for sure, but possibly 200 because of their false number of missed payments. What really happened was I negotiated with them to remove the entire issue in return of not suing them for forcibly making me pay close to {$20000.00} with no sympathy that I had been XXXX. I get missing payments and late fees, I do not get when a fellow human being treats you this way. Furthermore, when I called Thursday XXXX, they were not even willing to write me a simple letter I could use for a finance lender or dealership that would have at least mentioned I wasn't some delinquent who ran from {$17000.00} which was actually closer to {$20000.00}. I wired the money by their demand to their credit dept in XXXX, IL who in turn waited almost a year to send my title back. this is my evidence of ownership signed off straight by VW Credit. So they went and added 7 missed payments when it was 3, which includes the month and a half they negotiated not to do anything like this. And left me hanging. I can not get into my XXXX, there is no one to talk to, it bounces me back and forth and their phone has NO WAY to talk to a human, and I'm just so happy everyone had a great XXXX, while my granddaughter and I sat inside and have to walk until something is resolved. a XXXX score which is a lower score than this error would help my credit score, and I would have at least had a loan with a high APR which I will do in a heartbeat. This is COVID-19. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And now this? Both my jobs depend on this. Oh and by the way, I have a 3rd job that pays me nothing. Reaching out to homeless, hungry, and kids that have no resources during this time. I can not do any of this until this is resolved!
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| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XXXX XXXX i had faxed the deferment form for XXXX payment and i have confirmation of the form being received with no difficulty. When i would call initially and ask about the status of the form i was told it had been received and that it was pending to be approved.
XXXX payment came around and XXXX ( primary ) also asked for XXXX to be deferred they said they would upload the form on the portal. We signed the form and faxed it back on XX/XX/23 again received with no problems ( i have the fax conformation page. ) At this point we had been told that XXXX had been approved and were waiting on XXXX to go through which took about XXXX business days. At this point Volkswagen XXXX reported that XXXX payment was late and i was deducted XXXX points from my credit on XX/XX/23. So i disputed and they still flagged the account as past due. They returned XXXX points from the error of the deferment on XX/XX/23. and on XX/XX/23 they deducted XXXX points again marking the account past due for XXXX. During this time XXXX and myself had called them and asked what was going on and they stated they never received XXXX 's deferment form and that they only had XXXX 's form. I explained to them that was incorrect as i was never informed of them not receiving XXXX 's form and that I had the proof they had it. They kept telling me no and that i had to send the form again. So I did, i sent it and they kept saying i was only sending XXXX 's form. The attachment included XXXX and XXXX 's deferment. For a month and half XXXX and i were getting the run around about the form not being uploaded when i had uploaded everything and did my due diligence. ( all calls are recorded when calling them ). At this point they stated they would place the forms with high sense of urgency due to them processing them in XXXX which was 2 months after XXXX and they never stated they did not have the form when i would call.
XXXX payment came around and it was paid on XX/XX/23 which is within the 10 day grace period but Volkswagen keeps marking the account past due and on top of that adding late fees for XXXX, XXXX, & XXXX. ( late fees should be removed ) XXXX payment came around and once again it was paid on XX/XX/23 within the 10 day grace period and they are stating it is past due.
I called XXXX again at this point and asked them for an update on the deferment forms for XXXX, XXXX as well as an update on the reporting back to the credit bureaus the correct information on the account so we could update our credit scores.
They stated the forms were up to date and everything was correct and that the payments for XXXX and XXXX were there but that it took XXXX days to report back to the credit bureaus. I find this highly unacceptable to have to wait XXXX days as this has been on going since XXXX. When it comes down to reporting incorrect information they are not taking XXXX business day to report it. And I shouldn't have my credit on hold plus my life on pause over their negligence and wrong doing with the forms and not reporting correct information.
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| 08/29/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I began leasing a VW XXXX in XXXX 2015. The XXXX month lease payment for XXXX 2015 of {$350.00} was paid and collected at the dealership. The XXXX payment, which was due in XXXX 2015, was submitted as XXXX Time electronic EFT payment via the VW Credit website with payment being drawn from my checking account. At this time, I also set up auto-payment for the lease payment to be debited from my checking account on a monthly basis.
At the time I submitted the XXXX 2015 payment via VW 's online system, I received an email confirmation that the one-time EFT payment was successfully submitted ( I have copy of the email confirmation ). At this point, I assumed that the XXXX 2015 lease payment was paid, and the Auto Payment would begin with the XXXX or XXXX 2015 payments. And, I never received any further email communication that the XXXX payment was not properly processed on by VW Credit. The only email communication I received was the attached confirmation that the payment request was received and scheduled.
I was out of town for nearly three weeks in late XXXX and early XXXX 2015. When I returned in, there was a letter from VW Credit stating that there was a problem processing the XXXX 2015 EFT payment and that I should XXXX-check the bank account information and try re-submitting online payment -- or send a paper check ASAP. I immediately re-submitted the XXXX and XXXX 2015 payments together via VW 's online system and a few days later I followed up by phone to confirm that the payment was received.
In XXXX 2015, I XXXX checked my credit scores in light of the fact that I was planning to apply for a commercial mortgage, and I noticed that my credit scores had dropped from approximately XXXX to the XXXX 's because VW Credit had reported the XXXX 2015 lease payment as being more than XXXX days late.
My credit report has never shown a delinquent or late payment, and my credit score has been historically in the XXXX range. Due to this reporting by VW Credit, my loan application is being priced at a higher interest rate.
Therefore, I am formally appealing this credit reporting action and submission by VW Credit based on the fact that the XXXX 2015 payment was properly submitted by me via VW 's EFT system, and, at the time I submitted such payment, the payment was not 30 days late. I had assumed by the email confirmation that I received that the EFT was submitted and being processed by VW Credit. I received no further email communication that VW Credit was having problems processing the payment request. I also did not receive the VW letter letter until I has returned home in XXXX.
I am requesting that this 30-day Late Notice be rescinded and that the Credit Reporting agencies be informed of this action. I submitted this information to VW Credit on XXXX XXXX, 2015 and requested a correction. On XXXX XXXX, 2015, I received an email message from VW Credit refusing to acknowledge that VW Credit made an error in processing my EFT payment and failed to notify me in a timely fashion.
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| 03/23/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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On XXXX XXXX, XXXX I went to a VW Dealership and leased XXXX vehicles. This was a week before the Public announcement of VW Diesel Vehicles having an emission problem. As a " Lessee '' of XXXX affected diesel vehicles I was quite concerned. My concern was that I would never get money back when I turned these cars at the end of the lease. XXXX XXXX I received a " Goodwill '' offer, as did the rest of America to which left me even more concerned. All the while making my payments on time never being late. I reside in the State of Texas and did extensive research on the Lemon Law. On XXXX XXXX, XXXX I sent a certified letter to VW requesting termination of both leased vehicles due to all the problems.I received a letter back from VW stating they would not assist me so I then went ahead & filed a Lemon Law complaint. I received an immediate response and was planning on preceding that route. XXXX XXXX VW announced their intentions of some sort of settlement. I withdrew my complaint with the State of Texas and anxiously waited on how to proceed with my claim. I submitted in XXXX thru the online portal all of my documents and received confirmation of my submission. Few days later I checked the portal and it showed my claim missing. Plus there had been several media outlets stating owners of the affected vehicles did not need to make a monthly payment due to the car being payoff. I also confirmed reports on the FTC website. I thought the best answer would be from an actual VW employee. So I called the XXXX number and waited over 45 minutes. I finally got someone on the phone and I explained to her what I read and heard from Media outlets. The Volkswagen Representative informed me I was CORRECT and I did not need to make a payment. The vehicle would be paid in full at the time it was returned. Unfortunately I was informed incorrectly because VW is now reflecting on my Credit report that I was 90 days late on the XXXX and I am 150 days on the XXXX. I had a PERFECT payment history with Volkswagen Credit. Never was I late! Now I go from having XXXX credit scores to XXXX credit score. Furthermore when I went to speak to the General Manager at the dealership back in XXXX when I originally discovered how my credit looked, I explained to him the situation and was visibly upset. He told me that Volkswagen was loosing so many clients he had heard that the XXXX number was giving incorrect answers to customers so that the customer would have to keep the affected vehicle. Then he started pressuring me to buy another VW. Volkswagen 's actions are completely egregious and reckless. I am asking for your assistance with the following ; I would like for my credit cleared up so that I can purchase another vehicle & not to be forced to purchase another Volkswagen. Plus I want Volkswagen to be held accountable by filing a formal complaint. If you read on the FTC website I am not the only customer out there that has had problems with this company. When is enough enough?
|
| 04/06/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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VW Dealership took my Trade In ( XX/XX/XXXX XXXX which was paid off ) and rolled my equity over as NEGATIVE equity into my new Car Lease for a XX/XX/XXXX VW Jetta. I have been paying $ XXXX/month on a Car Lease that ends XX/XX/XXXX. I have made attempts to buy out the Car/Lease and Trade In but have not been able to because the entire Loan and Residual Value via VW Credit are skewed. Now within the last 90 days of the Lease I am being harassed and the car has been wrongfully repossessed.
TIMELINE XX/XX/XXXX 1st trip to XXXX in XXXX ( ALL the following pts. below are documented ) Put down {$4000.00} ; told Sales Rep that my budget was no more than {$350.00} in monthly payments Discussed XXXX, only Why not XXXX? Why not a purchase w/ a $ XXXX down payment XX/XX/XXXX 2nd trip to XXXX in XXXX Signed a lease agreement 4 years ; $ XXXX down payment at signing $ XXXX monthly pmts with VW Credit XXXX was the Salesperson as documented XX/XX/XXXX : 3rd trip to XXXX in XXXX XXXX (? ) Leased not approved by VW Credit Lease sold to XXXX ( *Across the Street from Dealership ) Additional {$1500.00} of down payment ( Current total cash paid {$5500.00} ) Put into an OPEN-END COMMERCIAL LEASE In the name of XXXX XXXX ( XXXX years old recently XXXX from college in XX/XX/XXXX ) Paid for 61 Months - 13 months beyond term Could not reach Bank nor Dealership to determine what to do at the end of lease ( called every month for nearly a year ) NEVER TOLD BY XXXX THAT A 3RD PARTY LEASE WOULD NEGATE MY ABILITY TO TURN IN MY LEASED CAR FOR ANOTHER VW FOR THE STANDARD {$350.00} TURN-IN FEE XXXX actually hand wrote on new contract that my " term '' was still 48 months ( see. Exhibit TOTAL PAYMENTS = {$25000.00} + {$6000.00} = {$31000.00} XX/XX/XXXX ( XXXX ) Went to XXXX VW in XXXX, VA ; Goal to turn in leased XXXX for another VW and monthly lower payments ( XXXX VW ). Spent 10 hours at Dealership.
Specifically told Salesperson that monthly payments were too high, did not need a XXXX because it was too big for a single young female, and expressed that my budget was $ XXXX/month or less.
Not considered a " Lease Exchange '' due to outside banks involvement Told by Dealer that trade-in allowance would be {$12000.00} ; in reality trade-in allowance given was only {$4000.00} Dealer ( XXXX ) stated remaining lease owed of {$8100.00} even though paid XXXX additional payments @ {$420.00} ( {$5400.00} ) Instead of {$12000.00} trade in allowance, actually had {$4100.00} applied to the lease ( as negative equity ) increasing amount of lease and payments as well as residual value Dealer did not pass on ANY incentives VW customer loyalty ( see Exhibit Dealer did not provide advice on how to handle remaining " lease '' due to overpayment to bank-wanted to make a sale =Could have kept XX/XX/XXXX XXXX and had lower payments and/or dealt with it the appropriate way with VW/Dealer/Industry Leader help/advice ATTEMPTS TO BUY OUT CURRENT LEASE ON XX/XX/XXXX VW XXXX
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| 07/07/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Problem with a trade-in
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Web |
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I am from XXXX and speak OK English ( I have asked a friend to type this ). My husband and I purchased a car from Volkswagon XXXX XXXX in XXXX Utah. We decided we did not like the car so we went to another dealership to trade the car in on another purchase. After the purchase was finalized on the new car the new dealership called us back and told us that the XXXX car was a lease and not a sale ( we did not know this ). We thought we had purchased the car and did not know what a Lease was. On XXXX/XXXX/2017 we went to the XXXX dealership and returned the car so that we could keep our new car ( we have a signed letter from from the XXXX dealership stating they received the car back on that day ). We then noticed that our Volkswagon payments for XXXX 2017 and XXXX 2017 continued to be pulled from our bank account, so on XXXX XXXX, 2017 we returned to the XXXX dealership and spoke to the person who had accepted the car ( XXXX XXXX ) who confirmed he had received the car back and wrote us the letter stating he had received the car on XXXX/XXXX/17, he then contacted other people to tell them to stop billing us for the car. In XXXX 2017 we applied for a mortgage loan and were told that the car was listed on my husbands credit report as 60 days delinquent with XXXX and XXXX payments showing missing which was dropping his credit score significantly.
We called the dealership back and were told that they did not know that they had the car ( although the salesperson said it had been sitting out in the lot for several months ). They had me call the financing company and tell them that we had returned the car and ask them to fix my husbands credit. They have refused to fix the credit and they kept the car for 6 months without removing it from my husbands credit report or reporting it returned.
Last week I spoke with the financing office again and they said the car was auctioned and we now have to pay an additional {$14000.00} before they will fix the credit and they say they will still not fix the credit. We have not received any letters about this yet. They say the car was sold at auction for less than what I owed on it and that is why I owe {$14000.00}. They have refused to provide me proof of what the car was purchased for at auction. If this is the case and a car worth {$26000.00} ( according to the financial office ) was actually sold for only {$12000.00} then I should have been allowed the option to sell the car on the open market myself and recoup the funds instead of the dealership getting paid twice for the car ( once from me and once from the new owner ).
No one told us that the dealership would charge us this extra money for returning the car and they have the car and should not be charging us extra money.
The dealership should not be able to continue to charge us for the payments they took after they got the car back in XXXX and they should be responsible for removing the negative debt from the credit.
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| 11/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XX/XX/XXXX, I electronicially demanded that XXXX, XXXX XXXX and XXXX immediately remove negative information which is now affecting my rental home. I may lose my home due to the illegal reporting from VW. It now well over 30 days and I contacted XXXX, XXXX XXXX and XXXX to remove the negative information reported by VW Credit Initial Acct. XXXX VIN XXXX. All 3 credit bureaus are refusing to remove the negative item related to the VW negative information.
The business with VW is illegal in the first place. I was sold a car resale whereby XXXX dealership never serviced to the car, yet handed the car to me. This XXXX car had to be picked up by XXXX dealership after only 2 and 1/2 months. The car was not driving. Then, XXXX after getting paid thru varied insurance policies had nerve to sell the contract to a Debt Collector for pennies on the dollar and then in ill will - put on my credit report a Repossession WITHOUT MY WRITTEN PERMISSION. I was never issued a NOTICE OF FURNISHING NEGATIVE INFORMATION and I never signed a NOTICE OF FURNISHING NEGATIVE INFORMATION I am well aware that as of XXXX - Fair and Accurate Credit Transactions Act of XXXX was put in place to protect consumers like myself to protect against bad good faith business who initiate contracts involving illegal activities such as reselling cars that are never serviced and sold defective. VW does not have anything in writing from me reporting ANYTHING negative on my credit report. I have asked VW, XXXX, XXXX, XXXX to provide me proof that I signed ANYTHING permitting VW to report negative information. In the past 30 days as of XX/XX/XXXX, all 4 companies have not performed in providing anything signed by me stating NOTICE OF FURNISHING NEGATIVE INFORMATION - VW is reqiured to me the following statement " WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. '' Their refusal to remove their negative reporting is not affecting my housing right - under Fair Housing Act, Civil Rights Act of 1964, Civil Rights Act of 1968. VW Credit failed to obtain my written authorization under Fair and Accurate Credit Transactions Act of 2003 - VW is required to provide me above statement as prescribed by Section 217.
I need XXXX, XXXX, XXXX and VW Credit to remove immediately the unlawful rereporting which does not complay with Fair and Accurate Credit Transactions act of 2003 prescribed by Section 217. 30 days have passed - all three credit bureaus want to dsipute AGAIN! This needs to stop. I am losing my rental home due to this illegal marking. They failed to get my permission in writing - as required by Fair and Accurate Credit Transactions Act of 2003 prescribed by Section 217. I can not lose my home due to VW Credit, XXXX, XXXX andXXXX electing to bully, harrass and descriminating against me by refusing to remove this negative marking,
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| 03/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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On XX/XX/XXXX I sent a check to Audi Financial Services to pay off my daughter 's car loan - check amount was {$42000.00}. I was paying off because my daughter missed a payment and Audi Finance hit my credit reports- lowering from in the XXXX 's to in the XXXX 's. My assistant had gotten the payoff amount by talking with Audi Finance.
In mid XXXX, I received another late notice, so I called and Audi Finance told me that they had not received my XXXX check. I instructed my bank to put a stop payment on that check, and I sent another check for {$42000.00} on XX/XX/XXXX - the new payoff amount included additional interest. I sent that to an overnight address given to me by Audi Finance and the check was cashed.
On XX/XX/XXXX, Audi Finance cashed the original check of {$42000.00}. So they now have approximately {$85000.00} of mine for a {$42000.00} loan payoff.
My assistant and I have been calling Audi Finance demanding that refund of the duplicate payoff amount. Audi Finance keeps saying it is " in process ''. My assistant and I both called the direct line for the person who has been " working '' on this today, but she was not available and has not responded to our voice mails. I called the prior number that I had used and automated system said I would get a call back in 15 minutes. No one has called back.
The reason that my name had to be on the loan in the 1st place was because Audi Finance repossessed my daughter 's car with absolutely no notice last year, significantly negatively affecting my daughter 's credit. So when her lease was up, they refused to finance her buyout. At the time of the repossession, I had number calls with Audi Finance about repossessing with no notice. They said they mailed notice to my daughter of 2 late payments. At the time, my daughter was living in an apartment where mail was being stolen- we provided police reports to that effect to Audi Finance. The thugs that Audi hired to repossess my daughter 's car said they called several times. They may have called from a number that would not have been recognized by my daughter, but never left any voice mails for her. They just showed up at a young woman 's apartment and took her car. Getting the car back was a nightmare, but that is a digression.
In short, Audi Finance 's incompetence has seriously negatively affected both my and my daughter 's credit and now they have stolen {$42000.00} from me and are not cooperating in returning it timely. I now have my bank watching to make sure my other account payments do not bounce, thus affecting my credit score further. I take having a high credit score very seriously and Audi Finance 's actions are undoing years of diligence on my part.
The reason that I paid off the auto loan was because Audi Finance is so incompetent and I did not want to have any further dealings with them. They need to return the money that they have wrongly taken from me.
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| 10/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX from XXXX VW of XXXX XXXX, CA. When I was discussing financing options with the Finance Manager XXXX XXXX XXXX, he described a pre-paid VW maintenance plan that was available that would cover my scheduled maintenance on my vehicle. He indicated that if I purchased it now at a price of {$1000.00}, I will be covered for my XXXX, XXXX, XXXX and XXXX miles scheduled maintenance with no additional out of pocket cost at time of service. He provided me estimates of each scheduled service and after crunching the numbers, the deal made sense and I agreed to the maintenance plan of {$1000.00} that was included in the financing of my vehicle.
In XXXX XXXX ( XXXX/XXXX/XXXX or XXXX/XXXX/XXXX I believe ), I contacted VW Financial Services to ensure I fully understood my pre-paid maintenance plan and what it covered. I asked the representative if my plan covered XXXX mile service and she confirmed that it indeed did cover those maintenance services. This put me at ease knowing that XXXX at XXXX and the VW Representative confirmed the same thing.
On XXXX/XXXX/XXXX, I brought my vehicle in for my XXXX service to XXXX VW of XXXX, CA. When I notified the service center what I needed done on my vehicle, I was told that I would have to pay out of pocket for my XXXX service of approximately {$300.00}. They indicated that whoever processed my prepaid maintenance plan at time of vehicle purchase only signed me up for the XXXX and XXXX mile service, and not the XXXX and XXXX mile service. They stated that there are XXXX plans that can be purchased, which is the VW Care package that covers the XXXX and XXXX mile service and the VW Care Plus package that covered the XXXX and XXXX mile service. XXXX at XXXX apparently only signed me up for the VW Care Plus package even though he had confirmed I would be covered from XXXX miles at a financed cost of {$1000.00}. I spoke to the Service Manager at XXXX and he re-confirmed what I was signed up for and advised that he could not do anything further as that it what was shown in their system. I notified him that I should be covered for XXXX as I did not pay for the XXXX mile service performed at XXXX several months ago. They said that after looking at their records, they saw that the Service Technician apparently processed it incorrectly and when they submitted the reimbursement to VW, they were denied it and they had to 'eat ' the cost for my XXXX mile service. Since I needed the service and did n't have the time to dispute with XXXX or VW at the time, I agreed to pay for the XXXX mile service out of pocket for a total of {$310.00}.
It appears that I was misled by not only XXXX, but also VW as I specifically called asking the question about coverage and they confirmed that I was indeed covered for the XXXX mile services.
Note that I have also filed a complaint for VW XXXX ( Case # XXXX ).
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| 04/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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AUDI Finance a subsidiary of VW Credit mishandling of customer account AUDI FS has done damage to my credit that resulted in drastic decrease of my credit score in time when I need to refinance my home. It was done under sketchy circumstances, yet they will still not honor their agreement to help rectify the situation.
Sequence of events that transpired during this event Below are files that speak to the facts.
In late XXXX I made a two-month payment on AUDI account, and the following weekend decided to trade up for XXXX. The amount was {$2100.00} paid on XX/XX/XXXX.
Payoff quote that customers can generate in AUDI Finance portal did not reflect this payment even weeks later. XXXX manager and I worked with the assumption that the payoff is as stated in AUDI portal : {$49000.00} On XX/XX/XXXX the deal with XXXX was finalized, and the manager told me the great news ; as XXXX was working with AUDI on balance, they discovered the pay-off was lower {$47000.00} as reflected in the purchase agreement. Something to the fact that dealer pay-off is typically less than customer pay-off, but the difference above considers with my XXXX payment.
In mid-XXXX I did receive a check for the difference : {$49000.00} ( AUDI balance ) - {$2100.00} ( my XXXX payment ) = {$47000.00} ( Payoff amount confirmed via dealer payoff ) XXXX contract due to AUDI {$47000.00} ( Trade-in balance on XXXX purchase order ) - {$47000.00} ( paid to AUDI ) = {$100.00} ( overpayment for which I received a check for ) Subsequently AUDI Finance account was closed Between XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX.
In XX/XX/XXXX and XX/XX/XXXX, I kept getting calls from AUDI about late payment, but considered it to be out of sync systems, and took no action until the late payment was reported to me via mortgage lender, I was negotiating home refinance with.
Somehow XXXX has reopened my account : Between XX/XX/XXXX and XX/XX/XXXX, your VW CREDIT XXXX automotive account balance increased by {$2100.00} from {$0.00} to {$2100.00}.
This resulted in even more negative effect on my credit score as the amount I owe increased during the time I was refinancing my home, and the lender of my choice pulled out.
I reached out to AUDI via AUDI FS portal messaging, then talked to their rep, they told me there was discrepancy in pay off amount and that I need to work with XXXX to provide additional payment and when done they will remove derogatory remarks from my credit report.
I did all this ; XXXX provided the additional payment AUDI had requested and when I reached out to AUDI again asking for the removal of derogatory remarks, they responded with a canned reply that I should send in a written request to them for rectify the issue.
I grew tired of dealing with this and decided to pursue other actions to raise awareness of misconduct on AUDI Finance part and what they do to their once loyal customers.
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| 10/24/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I had a XXXX XXXX for 3 years and vw credit. payments made perfect and on auto pay. never a issue. Then I get an XXXX. Its Vw credit or is it audi financial services, who knows. Poor poor communication.. The Truth is there the same. The dealer handled everything and we did the auto payment again.. By the way they report as Vw credit on credit report but they claim they are Audi financial services. Well The lease was getting going and I had to make the first couple payments per dealer so all the paper work would kick in then the auto pay would start. Well then I did paperless billing which is a mistake because somehow the XXXX and XX/XX/XXXX was not taken auto pay as I understood was going to happen. I didn't get any email that would have alerted me that a payment was past due. They just send a email like access to see monthly statement. No alert whatsoever. Must be saving on employees and as result poor service and communication. I regret I did there paperless because if I was getting the regular mail I could have spotted it. Now I changed it back to mail because I dont trust Audi. Then on XX/XX/XXXX I just so happen to answer some ambigiuos telemarketing call, well yep it was a robo call ( saving money on employees perhaps ) and it was audi financial service saying that I was due for 2 payments which shocked me. Whats interesting is they had my bank account information but didn't take the payments. There system and web site is very unclear.. could be a XXXX disconnect thing, I Dont know. Then I needed to call Audi and tell them its ok to make payments and I get mad why they were not auto taking the payment like I have done for past 4 years. Instead I get some arrogant know it all sounding person and then when I asked that I should not be reported late because this was there technolgy servicing failure in addition failure to communicate they refused.. Its there sales people and there technolgy that failed and failed me.. No more Audi 's or Vw ' ; s I was so mad. Cant rely on sales people, cant rely on servicing and all there passing around of financial paper and then Im the one that had my score drop 80 points because of there screwed up sytems and process.. VW credit reported on my credit. Vw credit was given FULL authorization and it worked perfectly. But they like to pay the game to say they are not VW credit instead they are Audi financial service. Well if thats the case and they are not all one then why are they incorrectly reporting a late payment that should have never happened if they were competent to my credit and handling the account ... LAZY mixed up company out of touch with a good credit never late paying client.. Foools I have disputed late payment with all bureaus and want that late removed.. I asked them for removal letter and they refused ... unbelievable company.. well they loose, no more audi or vw EVER
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| 08/03/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I would like to submit a complaint regarding inaccurate reporting on my credit report from Volkswagen Credit. This debt is a result of identity theft. This debt on my credit has been an extreme burden and has caused a lot of stress in my life and mental health.
I first noticed this debt on my credit in XX/XX/XXXX XXXX
Nature of Identity Theft : Opened an auto lease/ loan an in my name without my knowledge or consent.
I first became aware of this identity theft issue when I noticed the debt of {$17000.00} form Volkswagen on my credit report. I then Immediately upon discovering this discrepancy took the following actions : Contacted Volkswagen : I have sent multiple letters explaining that I was a victim of identity theft and requesting evidence of any contractual agreement or documentation related to this alleged debt. Unfortunately, despite my earnest attempts, Volkswagen has failed to provide any proof of such an agreement.
Disputed with Credit Bureaus : I promptly contacted XXXX, XXXX, and XXXX to dispute the fraudulent collection account. XXXX and XXXX have taken the appropriate steps to remove the inaccurate information from my credit report. However, XXXX has not yet rectified the issue, and the collection account continues to impact my credit score adversely.
I have filed a Police Report : In light of the identity theft incident, I filed a police report with my local law enforcement agency, and I have attached a copy of the report for your reference.
Identity Theft Affidavit : I also completed the Identity Theft Affidavit provided by the Federal Trade Commission ( FTC ), which is enclosed herewith.
Despite these actions, the debt from VW Credit continues to linger on my XXXX credit report, casting a shadow on my financial reputation and hindering my ability to access credit and other essential services. I have followed all necessary steps to demonstrate that this debt is not mine and that I am a victim of identity theft, but my efforts have yet to yield a satisfactory resolution.
Request for Intervention : In light of the circumstances mentioned above, I request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Volkswagen Credit for their unjust reporting of the collection account on my credit report. Additionally, I kindly request your assistance in ensuring the immediate removal of the auto debt from my XXXX credit report, which will restore the accuracy and integrity of my credit history.
Enclosures : Copy of Police Report Identity Theft Affidavit I look forward to a prompt response and resolution to this distressing matter. Thank you for your attention to this serious issue and for advocating for consumers like myself who have been victims of identity theft and inaccurate credit reporting.
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| 07/21/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX, I mailed a check along with the completed Bill of Sale and Odometer Statement to VW Credit for the purchase of my XXXX XXXX XXXX at lease end. The check was received by them on XX/XX/XXXX, per USPS tracking.
On XX/XX/XXXX, at XXXX XXXX I called to find out when I would get the title. I was on hold for over 20 minutes before a CSR answered. The women I spoke to said it would take 10 days ; 3 days to process the payment, 4 days to print the title, and 3 days to send it overnight ( which I sent a {$15.00} check to pay for ). I was on hold for over 25 minutes On XX/XX/XXXX, at XXXX XXXX I called to get clarification on when the 10 day period started ( i.e. when they received the check on the XXXX, or when I called on the XXXX ). I was on hold for over 45 minutes before XXXX answered. She put me on hold for a few minutes and told me it would take 38 days to get the title. I said that was unacceptable and she said the title department was behind. I asked to speak to someone else and was transferred to Nialy ( sp? ). XXXX told me that she would expedite it since I had already been told it would take 10 days. She put me on hold and came back a couple of times to tell me she was working with a supervisor. We then got cut off and the line went dead.
About 10 minutes later XXXX called and said that XXXX had a problem with her phone which is why we got cut off. He told me that I needed to upload the Bill of Sale and Odometer Statement and that I would then have the title in 7 days. I told him that I sent them with the check and that they should have them. He just said that they didn't have them. I immediately uploaded them via their website.
On XX/XX/XXXX at XXXX XXXX I called to find out where the title was. I talked to XXXX and explained why I was calling. She transferred me to the purchase department and I spoke to XXXX. He told me there was a problem with the Odometer Statement I submitted and I needed to submit it again. I asked him how I was supposed to know there was a problem since no one had contacted me and he said that XXXX had tried to call me. I do not believe that anyone tried to call or contact me or if they did they didn't leave a message as I never received a call or message. XXXX told me that once I uploaded the Statement it would take 5 to 7 days to get the title. I logged onto their website and uploaded the new Odometer Statement. There was no message there telling me about the problem with the first statement substantiating the fact that no one ever tried to contact me.
I believe that they intentionally lost or discarded the first bill of sale and failed to contact me regarding the incorrect odometer statement because they are behind. If the delays were not intentional then they are indicative of institutional incompetence and disregard for their customers.
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| 09/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Hi there.
Im not sure if I followed the right steps, but this is the problem that Im having. In XX/XX/XXXX I was involved in a accident with my motorcycle that was bought with a loan trough Volkswagen Credit inc. I was hospitalized but I always been in contact with VW credit to understand better what was the right thing to do. I payed my monthly fee on XX/XX/XXXX and kept a line of communication with constant phone calls. All of the sudden on XX/XX/XXXX, right after I make my monthly payment, Ive received a letter that was stating notice of our plan to sell the property. I did contact them via phone to figure what exactly was going to happen. An associate of VW credit had reinsured me at the the time and told me to wait until the motorcycle was sold at the auction. The motorcycle was eventually sold and the new numbers where available ( what I howe at the time plus the tow company expenses minus the amount due the motorcycle being sold at the action ) I contacted VW credit to discuss the situation. Tone where different since the beginning ( even the way that normally the number was working before this happened an automated voice system was answering, now a real operator was answering my calls ) and I was asked to pay in full or to contact XXXX XXXX a company that handle those situations for us. I couldnt pay the amount in full so I contacted XXXX XXXX to discuss my options. When I contacted them they didnt have my info in file, they say was a mistake and to check again. So after few calls and days my file popped at XXXX XXXX. I spoke with an operator and found a solution that was beneficial for both parties. For the next year or so I didnt really need my credit score number for any particular reason until last month where I figure that my score was lower than 600 when I was remembering having over 780. I asked for a credit report and discovered that VW credit had kept file me negatively since XX/XX/XXXX with 4 REPOSSESSIONS in 2 different time ( XXXX/XX/XX/XXXX and XXXX/XX/XX/XXXX ) I didnt even know that they were still involved and I tried to understand with them what they were expecting me to do exactly, I never missed a payment and I was always there for find a solution that could have benefit both parties. Now my credit score is as low as ever I had XXXX agent suggesting me to dispute this, but she was saying that trough them I cant have the cancellation of this record and that will stick on me for 7 years!
I think there is some macro mistakes here ( the 4 times Repossession of a crashed/ sold motorcycle is one of them ) Im originally from XXXX and I might not be the most knowledgeable person about this matter, what I know is that I never refuse to pay ( unless asked to pay in full ) I never been late with the payments and that I kept a line of communication the all time.
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| 12/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Audi Financial Services is trying to collect property tax, on a non-producing leased motor vehicle, leased by me and my business jointly as reported to the credit bureaus by them.
Pursuant to XXXX XXXX XXXX / XXXX XXXX / Part XXXX / XXXX XXXX / Sub-chapter C / Rule XXXX which refers to XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, I strongly claim the application of the law, after submitting Form XXXX as described on paragraph XXXX ( Lessees Affidavit Motor Vehicle Use other than Production of Income sent to Audi Financial Services on XX/XX/XXXX.
In Texas where I reside, and where the XXXX XXXX XXXX XXXX XXXX was contracted, Leased vehicles are not subject to property taxes unless they are used primarily to generate income. While Texas starts with the premise that all property is taxable, unless exempt by state or federal law, Texas exempts leased vehicles from property tax, unless they are used primarily to generate income.
Texas does exempt leased vehicles that are not held for the primary purpose of income production by the lessee. These vehicles include passenger cars or trucks with a shipping weight of not more than XXXX pounds and leased for personal use. Personal use would mean using the vehicle for more than XXXX percent of its use ( based on mileage ) for activities that do not involve the production of income. The exemption applies only to vehicles subject to a lease entered on or after XXXX XXXX, XXXX.
The law does not specify in any sense the type of lessee, and only mentions non-producing vehicle based on mileage like this this case is clearly qualified having just XXXX miles after more than XXXX years by my wife.
On XX/XX/XXXX I received a telephone call by one of your customer service representatives days after I communicated the facts to Audi Financial Services, and she exposed a completely erroneous situation, with a lack of foundation and which is a breach to the law by the area handling this Affidavits. The lady on the phone exposed confirmed that the area did not have the Affidavit, since it was lost potentially, by them. She also exposed that in any case this vehicle was not subject to the exemption since the contract executed, by my business and myself was merely intended, as a benefit from the business to an XXXX.
The later is completely non-sense, since the Texas XXXX XXXX addresses the vehicle and in no way limits a non-producing vehicle to the type of client. Therefore to qualify for the exemption, the XXXX XXXX XXXX could be leased by a business, and assigned for personal use as a benefit, or by an individual and used for personal purpose.
Audi Financial Services is trying to collect the tax from the client after loosing the Affidavit I sent months ago, and after even offering them to replace it if they lost it since it looks they mishandled it.
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| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15.USC.1681 section 602A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15.USC.6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution by definition under that title. 15.USC.1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.15.USC.6802. ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to an affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX never informed me of my right to exercise my non disclosure option. Not only that 15.USC.1681.C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which dates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 U.S.Code1681 estates " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681B of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12CFR1016.7 states that " A consumer may exercise the right to opt out at anytime.
" I am opting out of your reporting services.
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| 03/20/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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This is my XXXX lease with Audi. I have always turned in my leases early with no issues. I initially went to trade in my car and get into another lease in XX/XX/XXXX. My credit had taken a hit but I had excellent payment history on 5 other cars with Audi. They turned me down and told me to try again in a few months, which made no sense to me. In XXXX I tried again and they were able to get the lease offer to go through. I asked the salesperson about my remaining balance and the circumstances and she told me not to worry. Even when I was with the girl in finance, I asked her if my other car was paid and she also told me not to worry. There were two payments that were put at the end of my loan due to 1. ) paying out of pocket for XXXX treatment in XXXX and not being reimbursed and 2. ) a serious financial hit that I took from an accident in XXXX. Audi told me to let the dealer know about the circumstances and I did that. All was well until XX/XX/XXXX when I received a balance due from my other car. I immediately reached out to my salesperson and she basically gaslighted me. At one point she accidently sent me an email where she was speaking negatively about me which was inappropriate and upsetting. I spoke with XXXX XXXX and Audi Financial. Audi Financial would not work with me and I told them that I was duped by the dealer. I was in a bad medical situation due to XXXX and they lied to me. My car should have been paid off and I wouldn't have gotten into another car if not. They should have been up front and put that amount in my new loan or whatever they have done in the past. This is totally unacceptable. I've had issues with their service being unethical as well. They tried charging me several times in the past for items under warranty. In that situation, XXXX XXXX was able to assist and I never returned to them for service. Audi Financial refused to help. XXXX XXXX tried to assist and spoke with the GM of the dealership and he admitted to them that he has had issues with his team. When I tried to work with him to resolve this situation, it became harmful to my wellbeing. He was combative and rude. With my health issues, I'm not able to deal with this type of behavior. Last week, I received a collection notice regarding this disputed balance. I have exhausted all options to resolve. This is illegal and unethical. Taking advantage of a XXXX patient is so disturbing. Then on my current vehicle that payment was due on XX/XX/XXXX, Audi Financial is preventing me from making a payment. At first I thought it was a site error, but when I tried again today, there was NO way for me to pay my car payment online. There are no payment options available in my online account! I've been making on time payments since I started this lease!
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| 02/21/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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on XX/XX/XXXX, I was able to obtain a lease contract with Volkswagen USA " account number XXXX ''. It was a 3 year, XXXX mile lease. I usual, I paid my bill on time, and in accordance with the terms, and conditions of the lease. I have been leasing vehicles from VW from years, and I was never late once. This time was no difference. I paid the vehicle in full, as I was making the payments online, through their website. On XX/XX/XXXX, I made the final 2 payments, and soon thereafter the account appeared as paid, and closed. Within 30 days, the status of the full 3 year payment appeared on my credit report, and the account status changed to paid as agreed, never late, and closed.
I returned the vehicle onetime, and with only XXXX miles on the clock. The car was in perfect condition, without any damages, or scratches to it. Within months after returning the car, and received a call from VW Credit charging me {$800.00} for wear a tear, which include a GPS SIM card, that I was never given at the deanship when I bough the car, and that I put it on notice when picking up the car at the dealership. After some bickering VW Credit called the dealer, and verified my statement, so they remove that charge from the bill, after that, I received another bill from a rim scratch that, it was not there, at the dealer when I returned the car. The dealer reviewed, and provided me with a paper stated that everything was fine, and that the car was returned without any issues. Furthermore, 15 days later, I got a call from VW Credit again telling me that, I owe them a small portion of the lease payment, when in fact, I did not, since I was paying off the account through their website, with a set amount on established by VW credit. To the fact that, after I made the last payment, it changed to paid in full, and it was reported on my credit report, as paid. I explained to them, that it the account was already paid, and closed that I dont owe them any money, but they are adamant to continue the harassment towards me. Somehow, after all this issues, they managed to changed the total amount owed from being {$0.00} on the website, to {$470.00}. I am also certain that they tried to change it on my credit report, but they were not able as according to section 623, of the FCRA, creditors are required to report accurate accounts. Therefore, against the law to change information that has already been reported as " paid in closed, and NEVER LATE '' I have received phone calls at XXXX from time to time from disrespectful VW representatives demanding {$470.00} payment from me after explaining to them, that the account appear to as paid, and closed on my credit report. I have attached 2 pictures taken from my XXXX credit monitoring service.
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| 06/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been with this company for over 22 years and purchased over 8 vehicles. on Many occasion due to their faulty telephone automated system they have marked me over 30 days late literally destroying my credit score and ended up setting with me for an undisclosed amount, Recently this has happened and I was told it would be corrected some were and there are 2 that are still on there. After so many calls and so many different representatives I have given up. The last person in the Compliance Department reached out to me after I filed a XXXX report. She had only been with the company for 2 weeks an was very dismissive towards me and rude. She became argumentative with me because she was unfamiliar with the autumated system and told me straight out that the system does not give out calculated days past due. I proved her wrong and she became very hostile towards me. I'm very familiar with this company because I have had them for 22 years, probably longer than most employees that have worked for the company. I get paid once a month and sometimes it is during the end of the month so I monitor the days by calling the automated system that will tell me how many days I'm past due. I do this to be accurate so that I make no mistakes. The problem is that I found out after getting # 0 day late marks is that the system does not keep the calculated days over the weekend so if it say your 27 days past due and you make the payment on the 29 avoiding the 30 day mark, on Monday the system will say that when I made my payment it was 31 days late. This is confusing to someone who was not given this information up front. How is a customer suppose to know that they cant trust the automated system over the weekends, If I cant call the company that holds my loan to confirm accuracy then this is a problem because they are the ones who hold me accountable. This is unfair and needs to be corrected and so do the two 30 day late marks. My record of 22 years shows that I don't make late payments past 30 days. The other issue I have with this company is I was recently told that I could of changed my due date to avoid late payments that I incur every month due to the way I get paid. Out of the many many representatives I spoke with none of them ever offered that advice, instead they let me incur XXXX dollar late payments every month knowing there was a solution. This is very poor customer service to not try to offer a way to avoid these fees knowing all along it was fixable. It was more to their advantage to keep collecting fees from a long time loyal customer of 22 years is very low and takes away from their reputation of being honest and professional. They with hold this information for financial gain and that is not right.
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| 05/29/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I have a XXXX XXXX lease from VWCredit bought in XXXX, California. My lease ended XXXX XXXX, XXXX. With my lease i had bought excess wear and tear protection for ( XXXX $ ) which covers damages upto XXXX .
Fast forward ( during XXXX to XXXX ) : we had multiple incidents on our right side of the car in our XXXX XXXX XXXX parking lot. Next year : we moved to XXXX, WA and as the lease was getting over i had a series of questions with the VW credit folks.
1 ] I was confirmed by 2-3 reps multiple times that my damages will be covered as the lease return pre-inspection report confirmed damage repairs of XXXX . This was also confirmed by the 3rd party Pre-Inspection. I had clearly mentioned that i would like to keep the car incase the wear and tear protection does not apply to the car but i was confirmed that this will not be the case.
2 ] Reps at VW dealership in XXXX ( XXXX 's XXXX of XXXX ) XXXX XXXX XXXX also confirmed that the damages will be covered by the wear and tear protection and you are safe to leave the car 3 ] When i got my first bill from VW after i returned the car, it came with XXXX $ bill and they missed applying wear and tear protection 4 ] Upon asking, they confirmed it missing so they send it to their wear tear protection department and after 20 days, i got another bill which reduced the bill by XXXX+ XXXX This got the bill to XXXX $ upon inquiring why the full was not covered : they confirmed that the 3rd party who looks into wear and tear feels like this was a one incident and hence will not cover full damage.
It took me 3-4 phone calls to again check on the status and provided good amount of reasoning why the assumption of single incident was flawed and why the damages took multiple incidents but its still not working out.
The rep offered me good will discount of another XXXX+ $ and pro-rated plan to pay XXXX $ a month. ( this was so nice of him ) But i think they are missing the commitment to resolve customer issue.
I would love to get help on this and challenge the assumption that the damages were done in single incident as opposed to multiple one. They confirmed if that's proved, the charges will be XXXX. The assumption is clearly flawed as a ) there is no symmetry on the damage on both the front and back sides b ) the damage in the center area near the doors has far greater intensity than any other areas, clearly suggesting that there were multiple occurrences. I am happy to send snapshots of the parking place where this happened more than 1.5-2 years back.
Thanks for looking into this matter. Hoping to get your help to resolve this.
Attaching photos front side, middle and back side as well as the parking lot area where the incident happened.
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| 02/02/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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RE : XXXX I called one month before the lease was expiring and explained to the person that I will be traveling and telling him the day I will be returning the car, he told me that I have some grace period.
After several calls on XX/XX/25 I went to the dealer, and they provided me an invoice that was printed from the system, it says {$28000.00} and was valid for ten days ( please see attached ) .when I requested an explanation, I was told that it was from the system and if I wanted the details, I have to call Audi Financial directly. Same day, I called and was told that they can not provide me with that information.
In my initial agreement the residual value was {$28000.00} and it was in my right to know why there was a difference of {$280.00}. However, neither XXXX XXXX XXXX that was the dealer nor Audi Financial provide me the information. XXXX XXXX told me that they received a statement from Audi Financial and Audi Financial told me that they can not provide that information and the dealer should tell me. My right is to know what I am charged for.
Since this was a complete nightmare and lose a lot of time from my job, I decided to purchase the car and pay for it with a personal check, however, I was required to get a cashier 's check and it was already XXXX so, I told the salesman helping me that I will return the next day with the cashier check. I returned the next day with a cashier check for {$31000.00}. That amount includes the taxes and registration fee. However, the salesman explained to me that the amount due changed and I had to pay an additional {$21.00}. Again, when I asked for an explanation, he just said that it may be interest, however, he told me to call XXXX AgainXXXX XXXX, according to the person, was unable to tell me over the phone. So, once more and to finish the nightmare, I paid that amount, not knowing what I was paying for.
At that point, I decided to stay quiet even though I know my rights. What was my surprise when I received a new invoice for {$700.00} charging me interest and disposal fees when I did not even return the car, I purchased it.
After that, I have written two letters and called once, but according to them, they have not received the letters. According to the lady that answered my last call, XXXX XXXX XXXX purchased the car and if I have an issue call them.
I paid off the lease 3 months before and I did not receive a credit for that. Also, leased several cars with them and never had felt so aggravated with the way they conduct business.
I want a reimbursement of the {$280.00} + XXXX that paid the next day and a complete reversal of the {$700.00} invoice Thank you
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| 06/14/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem extending the lease
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Web |
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On XX/XX/XXXX, I called Audi XXXX and spoke with XXXX about extending the lease on my XXXX XXXX Audi by 6 months. XXXX told me that they could extend the lease by 6 months. However, the lease amount would not change. I thought that was great since the lease amount includes incremental services payments ( the Audi Pure Protection and Audi Care ). I was interested in continuing the service agreement for those 6 months. XXXX informed me that I would have to contact Audi services to inquire about extending the service portion of the lease agreement. That same day I called XXXX XXXX and spoke with XXXX. XXXX told me that Audi XXXX would need to inform Audi Financials regarding an extension so that they can update the contract accordingly. I thought this was great, so I called Audi XXXX on XX/XX/XXXX, and worked with XXXX to extend my lease by 6 months. XXXX told me that I would have to send a copy of the lease extension letter to Audi Services to get the contract extended by 6 months. When I received the lease extension letter, I called Audi Services on XX/XX/XXXX, who transferred me to Audi Financials to get the service portion of my agreement extended to match the lease extension. I was told by XXXX in Audi Financial that I would have to cancel the current service agreement, pay them a buyout, renew the service agreement, and start paying them each month for that service. I was confused and taken aback by this conversation, so I proceeded to gain some clarification. My statement to XXXX was ; " so Audi XXXX will not decrease my lease payments to remove the service portion of those payments, so I am paying for something that I am not receiving ; Audi Financial would like me to pay a buyout, on top of the payments that I am making to Audi XXXX for services not received ; and then pay incremental monthly payments to Audi Services to receive the services that I am already paying for in my lease agreement? XXXX explained that Audi XXXX does not give them any of that money from the extended lease. I told him that this scenario only benefits Audi at the customer 's expense. I understand why they would put this policy in place because they get paid more than twice the amount for the services I previously bought. I told XXXX that Audi is one company and should put policies and processes in place across the entire company that does not permit them to commit consumer fraud. He mentioned that this was their process and offered no apologies, understanding, or recommendations. I informed him that I intended to file a formal complaint in hopes that this could drive change in Audi that does not take advantage of their customers.
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| 06/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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To whom it may concern, or XXXX, My father passed away XX/XX/XXXX, age XXXX. All his assets were in a living trust, and or a family trust. One such asset is a XXXX XXXX XXXX that was leased in XXXX of XXXX set to expire approximately XX/XX/XXXX. The lease was paid for by trading in a XXXX XXXX, and a onetime check. Which turned into a second check when downgraded to an XXXX because of XXXX XXXX. After his death we parked the car and notified the insurance company. They said they would be glad to add me to the policy as soon as the vehicle registration or lease paperwork showed my name. Im successor trustee. First thing we did was to send my husband with a POA to the XXXX County clerks office. He presented the current registration, death certificate, and successor trustee paperwork. The clerk refused to change the registration because both the XXXX XXXX XXXX living trust or XXXX XXXX XXXX '' were on the registration. My husband tried to explain that the or XXXX XXXX XXXX was the trustee designation, but they said no, and wanted paperwork from Audi Finance.
Audi finance probate division can only be reached through regular mail or Fax XXXX. On XX/XX/XXXX we faxed the death certificate, and successor paperwork.
They have yet to contact me. I have called in several times. I have had one customer service rep tell me It was necessary for me to get a court order to change trustee designation. The state of Tennessee, and XXXX County do not require a trust to be processed through the courts. So far, Ive dealt with Life insurance, Annuities, banks, Brokerage accounts, and CDs. All have required the same paperwork, and all have complied and reimbursed interest back to my Fathers date of death. He did not spend thousands of dollars with attorneys setting up these trusts just to hire another one for this car.
The living trust paid for 36 months of use, and Audi Finance has prevented its legal use. This was a time sensitive deal, and the remaining time from my fathers death to the end of the lease adds up to more than a couple thousand dollars. A nephew has shown interest in buying out the lease at the end of the term, but his parents have requested a copy of the contract which we have been unable to find.
The XXXX dealer, and or Audi finance have yet to supply us with one.
XXXX XXXX vin # XXXX Title # XXXX I understand you have limitations from a legal standpoint, but there must be some law, rules or regulations that compelled all the other financial institutions to act in a responsible manner, but Audi Finance seems to be above following said rules.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/25/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Leased vehicle on XX/XX/XXXX. Made 19 monthly payments ( inclusive of the initial payment due at lease signing ), through XX/XX/XXXX. On XX/XX/XXXX vehicle was struck and rendered a total loss. On XX/XX/XXXX was contacted by the insurance company of the party at fault and was offered {$14000.00} which they said would satisfy the lien holder, VW Credit. I rejected their offer explaining that the vehicle was worth several thousand dollars more. Money which I had put down in order to lower the balance and resulting monthly payments. On XX/XX/XXXX I contacted VW Credit to advise of the situation at which point they advised me that they had ( on that date ) just issued a loan payoff letter guaranteeing title to the insurance company in return for the {$14000.00} offered ( and earlier rejected by me ). I asked how I would recoup my investment at which point they very abruptly answered " we 're satisfied, you 'll need to take up your concerns with the insurance company. '' On XX/XX/XXXX I contacted the insurance company and again disputed the amount of the settlement. I was advised to provide comparables supporting my claim of the vehicle 's value. I gathered and provided the comparable vehicles, as instructed, on that same date. On XX/XX/XXXX the insurance company finally conceded that their initial offer was erroneous and modified their offer to {$17000.00} plus taxes ( {$1200.00} ) and fees ( {$18.00} ), totaling {$18000.00}. I accepted on the premise that the amount offered {$18000.00} less the payoff of {$14000.00} would return to me {$4200.00} which was approximately the amount I paid into the lease at the start. I was then advised by the insurance company that the payoff amount had increased to {$15000.00} reducing the balance payable to me to {$2700.00}, a difference of {$1500.00}. I asked them to explain the increase in the payoff amount, which they could not. We contacted VW Credit together and was told plainly that if the insurance company had agreed to pay more then they wanted to collect more and therefore refused to honor their original payoff ( again, which was offered in writing ) of {$14000.00}. The insurance company ( indifferent to who they pay ) has since satisfied VW Credit in the amount of {$15000.00} and issued to me a check in the amount of {$2700.00}, effectively removing themselves from the dispute. VW Credit openly acknowledges that their demand of {$15000.00} represents the full balance of the loan ( {$13000.00} residual, plus 17 remaining payments of {$140.00} ) with no discount for unearned interest.
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| 02/24/2019 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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About a year ago, I received a couple of emails from VW offering me to turn in my leased vehicle and lease or purchase another vehicle. The lease on my old vehicle matured on XX/XX/XXXX. I visited XXXX XXXX in XXXX, VA and agreed to a new vehicle. When negotiating the price, I explicitly told the dealer I wanted all charges rolled into the bottom line. I left the dealer with a new car and at the time, no further charges owed. I did not sign or receive any documentation countering my belief. I turned the vehicle into the dealership on XX/XX/XXXX.
In XX/XX/XXXX, I received a turn-in settlement invoice from VW Credit with a request for a {$1400.00} payment. I contacted VW Credit on XX/XX/XXXX to inquire about the charges and I was basically told " those are the charges, can't help you ''. On XX/XX/XXXX, I received an updated bill for {$2200.00} with no explanation. On XX/XX/XXXX, I, again, contacted VW Credit and was told that the charges needed to be recalculated because they were totaled incorrectly. I was also told that I would receive a return call explaining said charges. I never received that call. Two months later, I called again. Bottom line, I asked for a detailed billing statement for all charges as I had not received one. I was also told that my vehicle was sold at auction for a loss and that total was factored in obtaining the payment total. That total was compared with excess mileage and excess wear. The excess mileage charge was included in the turn in payment and I disputed the damages as I turned in the vehicle in excellent driving condition. The VW Credit agent told me it took 7 days after I relinquished my vehicle to the dealer for someone to inspect it and come up with a bottom line. About a week after this call, I finally received a detailed billing statement. And to my surprise, a different total - {$1600.00}.
Just to pile on even more, VW Credit referred this bill to a debt collector.
When I talked to the debt collector, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX, I told them that this account was in dispute and not call me anymore until resolved. The agent told me that I needed to pay off the debt for whatever amount even after I told him about the dispute. He could not give me a total amount even after I laid out the situation. He said pay the amount that was the most and worry about a resolved total later. He continued to press the issue of payment and I told him I would not pay it until resolved. I asked him and the company not to call until resolved and he tried one more time to get me to pay.
|
| 03/06/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
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Web |
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We have leased a XXXX XXXX in XXXX XXXX and it was more in the shop than with us. In two months we have had over XXXX rental cars and have tried to resolve the issue with VW. Before leasing the XXXX we have traded in a XXXX XXXX and were promised to receive XXXX for it. The monthly lease for XXXX was XXXX with residual of XXXX.
We did not have a chance but to bring the XXXX back in XXXX and traded it in for a XXXX. Monthly lease of XXXX and residual unknown. However, we have not gotten any credits back or any downpayment made towards the firs lemon car XXXX and have gotten additional fees added on the XXXX for trading in XXXX after less than three months. We have always paid on time and in full. In XXXX and XXXX XXXX I became laid off and contacted VW to ask about my options. We were told that for two months we do not need to make the payments since we were enrolled in some protection plan. Still, we have made payments as much as we could and have been reported to the credit bureaus as making LATE Payments! And all we did was make additional payments while we were not required to. This information has been disputed but VW did not agree to correct it from our records. In XXXX XXXX we have had transfers in amount {$2100.00} going to VW towards the Lease. As I realized that something was wrong and contacted VW we were told that they would refund the money as it gets transferred. On XXXX XXXX we still have not received anything back we decided to pay off the XXXX and trade it in for a different brand. The payoff amount was quoted XXXX and that day VW electronically also transferred additional XXXX from my checking, although the dealership had paid all of the quoted balance of. We called several times to get the money back since we no longer had the car and did not authorize the transfer but no-one called us back and we never received any money. We have inquired several times to receive written disclosures and all documents and payments received from the VW Lease and Finance office and no-one ever has sent us anything but that the balances are paid off. We are requesting the additional {$2600.00} that was taken from our debit in XXXX and XXXX to be immediately refunded to us, as well as any missing downpayment that should have been transferred to XXXX after XXXX was a lemon car. We have tried to dispute it through our banks but they were also not successful of it. We also require the late payment wrongful reporting to be corrected of the consumer reports and we hope you can help us to achieve this within next 30 days?
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| 05/15/2023 |
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
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Web |
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I leased an XXXX XXXX from Audi of Downtown LA for 3 years returning it in XX/XX/XXXX. A few days before it was returned, an XXXX inspection stated that it need two new tires which needed to be the same make and model as the existing ones. If I did not replace the tires prior to returning the vehicle, then I would be charged for new tires. Therefore, I purchased the exact same tires from a tire shop which installed them just prior to returning the vehicle. When I returned the vehicle, it was noted on the return slip that new tires had been installed.
Yet despite this, Audi sent me an invoice a few days later which tried to fraudulently charge me for new tires. They said that I needed to provide a receipt for the new tires that were already on the vehicle. This seemed like a fraudulent business practice to me since they already had possession of the vehicle with new tires and was just another hoop for me to jump through so I could clear my debt with them. In my opinion, this was the first form of harassment from Audi. Despite this, I sent them a copy of the receipt from the tire shop and asked them to remove the charge for the new tires. They were unresponsive and just kept sending me the same overdue invoice repeatedly. Audi of XXXX blamed the Audi Finance people, and vice versa but nobody resolved it.
According to my calculations, Audi was asking for {$1600.00} which included the new tires which I already installed. Audi 's charge for those tires was {$480.00} X 2 = {$970.00} plus sales tax of {$100.00} = {$1000.00}. On XX/XX/XXXX, I paid {$620.00} for a damaged bumper to Audi and if you deduct that from {$1600.00}, it equals {$1000.00} which is the fraudulent charge for the tires that I replaced.
After many emails and calls from my wife and I, the Audi invoices stopped coming. However, a few months later a collection agency contacted me demanding payment. We explained the whole history of the fraudulent charge and they stopped bothering us. We thought the issue was finally resolved but apparently Audi insists on harassing their former customers for many years after their relationship ends. Last week ( XX/XX/XXXX ), over two and a half years after I returned the vehicle, I received a call and threatening emails from another collection agency. I again explained the situation, but they said I had to clear it with Audi. I contacted Audi of XXXX, and they blamed Audi Finance, and vice versa again. Please help me resolve this matter and stop this fraudulent and predatory business practice from Audi.
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| 11/25/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I am filing this complaint because I as a consumer went on the FTC and CFPB website and use the sample letter to dispute a account with VW Credit , INC, the Original Account # XXXX : VW CREDIT , INC Account # XXXX. I am filing a non-compliance complaint violations against the FCRA and FDCPA that I have a right as consumer to dispute anything on my credit and not get a response back that it is FRIVOLOUS., FRIVOLOUS like I can not do research and investigating to find out. Why the credit bureaus are violating my consumer rights by letting this company report inaccuracies and errors with wrong amounts of what they say I owe and different dates of when I open this account, last activity, and last payment. So, here are the violations as follower. No VW CREDIT THIS IS ME : XXXX XXXX XXXX asking showing you all the violations and misrepresentation you are reporting : I know from studying different agencies website that the creditors and collections companies pay the bureaus to report these items. I wrote to VW CREDIT INC letter of validation about this account but they laugh said FRIVOLOUS WOW. I wrote on XX/XX/XXXX and they received it on XX/XX/XXXX. I have the letter attached that I sent to them. That was the 2nd one they respond to both as FRIVOLOUS. So, since you guys think everyone can pay a credit repair company will I can not. So, here are the violations as followed : 1 ) FDCPA Sec. 807 ( 11 ) they never disclosed that it was a attempt to collect a debt. That is fine.
2 ) Reporting credit inaccurately to the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, No. XXXX, XXXX vs XXXX XXXX. Extent of damages incurred by the wronged party as deemed by the courts. This defamation and causing financial injury.
3 ) They fail to report to the credit bureaus this account is being disputed. Protection under the FCRA Section 623 that {$1000.00} and higher.
4 ) Reporting " Re-Age '' by reporting the date of the last activity instead of the date of first delinquency this Fine starting at {$1000.00}.
This month the FTC, State and Federal law Enforcement Partners Announce Nationwide Crackdown on abusive Debt Collection.
I maintain a careful record of my communications with you, should you continue in your non-compliance by not deleting this account item from my account. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Please delete this item immediately my finally good gesture. It is cause me harm financially.
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| 10/02/2021 |
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
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Web |
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I decided to payoff the value of my leased XXXX XXXX and keep the car as the lease term approached expiration. I reached out to VW and obtained a payoff quote and the documents required on XX/XX/2021. On XX/XX/XXXX, I sent to XXXX XXXX XXXX XXXX a cashier check for {$17000.00} payable to XXXX XXXX XXXX as instructed in the Vehicle Payoff Instruction List sent to me by Volkswagen Credit on XX/XX/XXXX. We were informed that we would receive the title documents within 3-4 weeks.
- XX/XX/XXXX : When we did not hear back from the company, we contacted them for follow up on XXXX XX/XX/2021. We were informed that the documents should be sent by the end of the week and promised that an expedite request would be put forward.
- XX/XX/XXXX : having not heard anything we reached out again only to be informed that our Odometer Disclosure is missing. It was incorrect since we did send the disclosure with the check.
- XX/XX/XXXX : we sent the Odometer Disclosure again.
- XX/XX/XXXX : We contacted them we were told that the documents are in the mail and we would receive them in a couple of days.
- XX/XX/XXXX : we demanded escalation and we were connected to a manager. She advised that VW made a mistake submitting our documents to their service provider that handles lien release and that this was corrected and we would get an update within 24 hours.
- On XX/XX/XXXX we also asked through VW Credit portal to receive an official letter confirming that we have fully paid the value of the vehicle. We received no acknowledgement or response.
- XX/XX/XXXX : we followed up after failing to receive the promised update only to be told that the title and lien company was only given the request to release the title on XXXX XXXX and that their process would probably be completed by the XXXX or the XXXX of XXXX.
After all these changes of stories and information we believe that the company is either grievously negligent or actually in bad faith. Either way the harm to us is the same. We are unable to trade, refinance or resell the vehicle and we are stuck unsure when we will be able to get access to our money and get the full use of our fully paid property. The company is acting with impunity and DC law does not impose any penalty on the company for withholding out title to the vehicle in this way. We contacted the DMV asking if there is a process for them to intervene and there was none.
I really hope that CFPD can interfere to protect us from this abuse of company power and unfair treatment
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| 03/21/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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In an attempt to purchase my leased Audi vehicle, I sent a certified check for over {$27000.00} along with the necessary documentation via XXXX First Class Mail and Fax per the instructions on the documentation to the cost of {$11.00} on XX/XX/2023. Per the successful transmission record from the fax machine, those documents were received same-day. Per the XXXX tracking information, delivery of the certified check and other documents occurred at Audi Financial Services ( XXXX ) office in XXXX, IL, on XX/XX/XXXX at XXXXXXXX XXXX. After hearing nothing regarding my request to purchase, I called XXXX on XX/XX/XXXX to inquire about status. I was told by the representative that they had everything they needed, and the documents and payment were recorded into their system on XX/XX/XXXX. Representative let me know that it usually takes about five ( 5 ) weeks to receive the title at my home address. On XX/XX/XXXX, I received a letter from XXXX at my home address stating that they did not have all of the necessary documentation to complete my request to purchase and can not proceed with the documents. On XX/XX/XXXX, I again called XXXX to inquire about the letter. The representative stated that they did not receive my faxed documents and the previous representative must be mistaken. I provided the date faxed and number from which they were sent, and the representative stated that she found them and they had just been sitting there un-entered. I requested that, since they had the documentation all along, and I was mislead for weeks at this point, if my title can be rushed and then sent via XXXX to my home instead. Representative said she got permission to do so. The following week, I received yet another letter at my home stating that documentation was incomplete. For the third time, I called XXXX on XX/XX/XXXX to ask yet again about the letter and to check that everything had been received. Representative confirmed and said to ignore the letter. She then stated that the title department is very backed up and there's no way to know when I'll get my title sent to me, but they would provide a XXXX tracking number once available. It has now been over six weeks since I mailed the $ XXXX check and all documentation to XXXX and the promised XXXX weeks since being entered into their system. I have reason to believe that they have lost the title to this vehicle and are having to file for a lost title and wait for it to arrive before they can sign off and send to me.
|
| 01/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I have n't received a statement of my account with Volkswagen Credit since XX/XX/XXXX. When I reached out to them online, I received the response below. It appears that because I overpay every month, they think it is n't necessary for them to issue a statement. I have no way of having a monthly record of my payments or knowing my current balance on the loan without a statement. I believe this violates some statute or regulation, since I receive statements on all of my accounts which I overpay. Here is my message to them and their response ( their response is first, my original is below ) : Response on XX/XX/XXXX XXXX CST : Thank you for choosing Volkswagen Credit. We strive to provide quality customer service to ensure your satisfaction.
Thank you for your inquiry. We apologize for the delay in response and appreciate your patience.
Thank you for your always timely payments! We appreciate your excellent payment history!
Any additional funds received on your account will automatically be applied toward your next due date available and the principal balance of your loan. Please be aware that the monthly statement will not generate when the full amount of the invoice has been prepaid. Our records indicate that your account is currently paid in full through XX/XX/2017. If you would like to have a payment applied to your principal balance only, please contact a Customer Care representative by phone. A Customer Care representative can have the additional money applied towards your principal balance as a one-time transaction and not a repeating transaction. If you would like any additional future payments applied towards your principal, you must contact a Customer Care representative by phone.
If you would like us to create and send you manual billing statements, please provide us with the method you would like to receive them ( mail/fax/upload to online account ) and the months that you would like these statements for.
If we can be of assistance in the future, please do not hesitate to contact us again through My Account or contact our Customer Care department at XXXX, XXXX, XXXX. Eastern.
Sincerely, Volkswagen Credit Customer Care Original Inquiry on XX/XX/XXXX XXXX CST : Why do I not show any statements on this account since XXXX? I 've been making payments, and would like to have statements for every month. Why would those have stopped? Please provide me with all of my statements since XX/XX/XXXX. Thank you.
Your Follow-up :
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| 10/10/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
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Web |
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I have a lease through Volkswagen Credit, which was until recently on automatic payment. A few months ago I noticed Volkswagen charged nearly {$150.00} more than my typical payment. Volkswagen never communicated it would charge this additional amount, so this was a complete surprise.
I contacted VW credit and did not hear back for several days. So, I disputed the portion that was above and beyond my usual payment with my bank. I again contacted VW in writing and did not hear back.
My bank confirmed with me that they tried multiple times to contact VW credit to work things out, which is typical for a dispute case, but were unable to get a hold of anyone and eventually the dispute was authorized by default.
The next month I receive a bill stating I was past due in the amount of the typical payment plus the mystery charge. VW credit had still not contacted me about this transaction despite repeated followup. Finally I get someone on the phone who explained what the extra charge was for ( a tax on leased vehicles specific to my city, which gets passed on to the consumer once per year ; she could n't tell me why I had n't received this extra charge in the 2 previous years of leasing the vehicle ). I tell her I will go ahead and pay the past due lease amount, since I did not dispute the charge to begin with, and I will read the law regarding taxation on leased vehicles ( this is not typical in my state but unbeknownst to me at the time a handful of cities tax leased cars ). During this conversation the representative assured me that since I paid the " past due '' amount it would not show up on my credit report, and I have until the lease ends to pay the additional charge for the tax.
After researching the surprise tax charge, I pay it within 30 days of the conversation and several months before the lease is set to end. A couple of months pass and I find out that despite paying the past due amount and the additional surprise charge, there is a derogatory mark on my credit report. I send a message to VW credit explaining the situation and letting them know that I was told very specifically that my credit would not be damaged by what happened. They reply, in so many words, that they do not plan to revoke the derogatory mark and they do n't care what their employee said.
First the diesel scandal and now a confirmation that Volkswagen does n't care about their customers or doing what they say they 'll do. Stay away from this company.
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| 05/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Pre arbitration demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX Volkswagen credit XXXX XXXX XXXX XXXX, IL XXXX Re : Complaint for Breach of Contract, Violation of UCC 9-609, and Truth in Lending Act Violations Dear Sir/Madam, I am writing to file an complaint against your bank for breach of contract, violation of UCC 9-609, violations of the Truth in Lending Act ( TILA ), and failure to comply with the arbitration clause in the loan agreement.
As I previously stated, I believe that your bank and XXXX XXXX XXXX violated UCC 9-609 during the repossession process by failing to provide proper notice of the repossession, failing to provide me with a reasonable opportunity to cure the default, and breaching the peace during the repossession process.
Furthermore, I now allege that your bank violated TILA by failing to provide me with accurate and complete information about the terms of the loan agreement. Specifically, your bank failed to disclose certain fees, charges, and other material terms of the loan agreement, in violation of TILA.
In addition, I recently discovered that your bank failed to comply with the arbitration clause in the loan agreement. The loan agreement contains a provision requiring all disputes between the parties to be resolved through AAA arbitration. However, your bank failed to use AAA arbitration for all disputes related to the loan agreement, including the dispute regarding the repossession of my vehicle.
Your bank 's failure to comply with the arbitration clause in the loan agreement is a breach of contract, and entitles me to damages and other relief.
I am requesting that your bank investigate this matter and provide me with a detailed written response explaining your position and any remedial actions you will take to rectify the situation. I am also requesting a copy of any documentation, including the loan agreement and any notices or other communications related to the repossession, that your bank and XXXX XXXX XXXX XXXX XXXX have on file for my account.
If I do not hear from you within 30 days, I will have no choice but to initiate legal proceedings to enforce my rights under the law, including but not limited to claims for breach of contract, violation of UCC 9-609, violations of TILA, and failure to comply with the arbitration clause in the loan agreement.
Thank you for your attention to this matter.
Without prejudice Agent/Beneficiary, XXXX XXXX
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| 05/24/2023 |
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
|
|
Web |
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Volkswagen credit is reporting inaccurate information in my consumer report. There are multiple inaccuracies, discrepancies, inaccurate information, incomplete, untrue, unverified and incorrect information on my consumer report. Volkswagen has been very challenging to work with upon my requests and very misleading in the information they provide to consumers regarding disputes.
The disputes I am requesting investigation into are the following under my consumer rights in accordance to FCRA and under 15 usc 1681, which stated factual information and the most accurate information must be reported.
1 : inaccurate repossession status on consumer report. This furnisher is reporting an incorrect/ inaccurate repossession & reinstated loan status on this account. This load was completely paid in full and the account was closed in XX/XX/XXXX. Up until this date XX/XX/XXXX this furnisher has continued to actively report on a monthly Basis the same inaccurate information. This furnisher has failed to update the account status to closed and paid as agreed for the last 7+ years. This needs to change and be updated to closed and paid as agreed.
This creditor unlawfully repossessed the vehicle in XX/XX/XXXX. After a payment plan was agreed to by the billing department, the creditor later admitted it was a mistake on their behalf and reinstated the loan, however is was also inaccurate as the car shouldve never been repossessed so therefore should had a reinstated status, They never changed the status as it remained as repossessed and reinstated. This status needs to change to closed and paid as agreed. This violates my consumer rights under 15 usc 1681 which states transactions history by the consumer are not to be reported.
2 : late payments discrepancies across all these credit reporting agencies. Volkswagen continues to report inaccurate and unverified text payments in my consumer report. They report multiple late payments across all agencies, all with different dates, length and months. This information needs to change and these late payments need to be removed and updated as paid as agreed never late. I request method and mode of verification of such information for each and every credit reporting agency that has been issued this information to.
Lastly : I will attach the letters with the information I am disputing and the documentation Ive been keeping in my attempt to Work with this creditor.
|
| 02/21/2019 |
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
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Web |
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I am filing this complaint because I was charged fees that I didnt agree to. Also, the car sales person who helped me with my car loan lied. I went to the XXXX XXXX Volkswagen dealership in XXXX TX with an approval from my bank. The sales person who assisted me at the time then advised after speaking with the loan officer that I wouldnt be able to use my bank loan, but they were able to finance me. I had a car at the time that I had less than a year left to pay on they then advised me that I would have to turn in my current car in order to be approved. In the end I signed a four-year lease with Volkswagen in 2012. And I traded in my current vehicle for the lease. After leaving the car dealership I had a bad feeling about the deal. I called my bank the next day and asked them was I not approved for the price of the car and was I required to trade in my current car. The bank rep advised that they approved me for the new car with the current car that I had. And they were aware that I was currently paying off a car loan. I then contacted XXXX XXXX Volkswagen and advised them what my bank stated, and I wanted to bring the car back and get my car that I traded in from them. They advised that I couldnt do that once I drove off the lot. A few hours later the manager called me because of my concerns and he then to advised me that they couldnt take the car back. And then I just dropped it and was very unhappy about the whole ordeal but took it as a lesson learned because I didnt have a greater understanding of what could be done to undo thing. Once it was time to turn the car in after the four-year lease I tried to obtain a loan for the car because he was only {$8000.00} more left to pay on the car. Volkswagen finical stated they couldnt approve me for the loan and I had to return the car. Once I returned the car it had normal wear and tear but was in good condition. However, once I received my end of loan bill it was over 10,000 because of damages as well as mileage overages. I contacted them right away because when I review the paper work the loan officer had me sign from that day it didnt include anything regarding mileage overages. Ive called several times to customer care they advised there is nothing they could do, and I owe the money. Im willing to provide as much information as needed but there is no way that I owe fees for things I did not agree to and damages I did not cause.
|
| 12/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
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A previous complaint has been filed with regard to our paying off our car loan with Volkswagen Credit. The complaint number is XXXX. We received a check via XXXX XXXX on XX/XX/XXXX for the car payment they took from our account, a month after the loan was paid off.
Due to Volkswagen Credit 's error going back to XXXX with not updating our record to show that our car loan was paid off on XX/XX/XXXX ( we have the pay-off letter from Volkswagen Credit with this date ), our refund for our extended warranty coverage from XXXX XXXX was mailed on XX/XX/XXXX to Volkswagen Credit as it appeared we still owed money to Volkswagen Credit. On XX/XX/XXXX, we initially contacted VW Credit asking about the warranty refund, and we were immediately told we needed to contact the dealership. The representative did not check our account to see they had the money since XX/XX/XXXX. VW Credit said that we needed to call the dealership, which we did. On XX/XX/XXXX, the dealership informed us that the check was mailed to VW on XX/XX/XXXX, and not to us because of VW 's incorrect records. We called VW again on XX/XX/XXXX, and was told our request to get the check would be expedited. Later that day, we learned through a voicemail that expedited means they will USPS mail out a check on XX/XX/XXXX. On XX/XX/XXXX, we called VW Credit again and said we don't believe that it is unacceptable that " expedited '' means another 10 day wait until the check is mailed out, especially considering today 's USPS service level ( evidenced by a check being mailed out by the dealership on XX/XX/XXXX and not posted until XX/XX/XXXX ).
This check would have come directly to us if VW Credit 's processes worked. Now they tell us their process is to wait until XX/XX/XXXX to even mail us a check. Their broken process is the reason we are waiting for our money. VW Credit should never even have processed the warranty refund check in the first place once they realized nothing was owed on our account. Since they did process it, they should expedite a check to us via XXXX XXXX as soon as the check has cleared the bank, and the check they say they posted on XX/XX/XXXX will clear much sooner than XX/XX/XXXX. Again, they explained this is their process. Their process is so broken. No customer should have to wait for over a month ( XX/XX/XXXX to whenever we receive the check ) for money that should have been mailed directly to us.
|
| 06/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Myself and my husband turned in two leased vehicles into XXXX XXXX of XXXX on XX/XX/2020 and leased two new vehicles. Unfortunately, the process has been anything but smooth for us. We negotiated online and over the phone for vehicles that were not available when they arrived at the dealership. We were told that the General Manager who negotiated the deal with them no longer worked at the dealership and we were forced to select different vehicles. We specifically gave authorization for the dealership to run one credit inquiry for the purpose of the lease, but three hard inquiries were made two on XX/XX/XXXX and another on XX/XX/XXXX ( two weeks after we drove off and finalized our lease deal ). After leasing the new cars, the dealership called to inform us that they filled out the paperwork incorrectly and needed us to sign new paperwork. At the request of the dealership, we arrived at the dealership to sign new paperwork on XX/XX/XXXX, but were told the paperwork was not yet done correctly and were sent home.
On XX/XX/XXXX, a representative from the dealership arrived at our home to have us sign new paperwork which was dated XX/XX/XXXX. ( Our original lease date ).
Then on XX/XX/2020, Volkswagen contacts us seeking payment for the old leases that had been turned in since the dealership never effectuated the payoff of these leases as negotiated in the deal. Repeatedly, throughout this process, I spoke with several people about the additional unauthorized hard credit inquiries that had been run and was promised again and again that the dealership would rectify the issue with the credit bureaus. I spoke with XXXX, the General Manager, XXXX from finance and ultimately XXXX XXXX who was assigned to resolve the issue after I contacted corporate about the slew of issues he was facing at this dealership.
Still, to date, no one has corrected the issue with the credit bureaus and our credit remains negatively impacted. Moreover, XXXX XXXX offered us a check for {$1300.00} as compensation for our troubles throughout this process, but when I asked for a copy of the release I was required to sign so that I could have counsel review same, she suddenly advised she could no longer assist me and advised that I should have my attorney contact The VP.
My attorney sent two letters to the VP letting him know they violated the Fair Credit Reporting Act and he has refused to respond.
|
| 12/06/2019 |
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
|
|
Web |
|
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Leased a vehicle at an Audi Dealer in XXXX, VA ( XXXX County ) with Audi Financial Services ( AFS ). At the end of the lease ( XX/XX/2019 ) the car was returned with no damage and significantly under the lease mileage. Dealer accepted the return and told us there was no other charges, our lease is over and the vehicle was accepted. Six weeks later we received a {$350.00} lease termination fee from AFS, which was in the contract but we assumed was waived. The bill was marked as a lease termination. We paid the {$350.00}. Over 6 months after lease end ( XXXX ) we received a bill from Audi Financial Services for {$320.00} marked personal property tax ( attached ). After several calls we got through to someone who could answer a question about the charge. The AFS agent told us that it was a bill for 12 months of personal property tax ( all of 2019 ), despite the fact that Audi had the car since XX/XX/2019. He said that they may be able to prorate it if we wired them the money ; however, they would not provide a revised invoice or detailed explanation for the {$320.00}. Per the agent they are passing on the amount of full 2019 personal property tax bill to us. Personal property tax was billed by XXXX County to AFS as the vehicle owner. They explained we could get " money back '' from XXXX County and asked us to contact XXXX County, despite the fact that we didn't own the vehicle nor get tax bills from XXXX. Our AFS account no longer showed our detailed payment history since our account " was closed '' at the end of the lease per the agent. We requested additional detailed payment history ( attached, but not very detailed ). We escalated the call to a manager and they refused to provide a new invoice nor waive the fee. They threatened to send us to collections instead of sending us an invoice for the prorated personal property tax fee. We checked our historical records and determined we payed AFS for prior 3 years of personal property during the lease ; however, this {$320.00} was for the entire 4th year. AFS appears to be systematically overcharging XXXX County Residents by passing through taxes without proration. We contacted Audi XXXX support and over the course of several weeks they attempted to get resolution via the dealer network. Audi XXXX was unable to waive the charge, claiming Audi is different company from AFS. Audi didn't stand behind their lease.
|
| 11/30/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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To Whom It May Concern, On XX/XX/2021, an automatic scheduled payment to Volkswagen Credit XXXX. was debited from my bank account. I didn't realize another unauthorized charge had already occurred, rendering my account {$40.00} short of the full VW Credit lease payment amount for that month. Though I made the deposit in time, the automatic payment was ultimately returned on XX/XX/2021.
On XX/XX/2021 I logged onto my VW Credit account and scheduled a one-time payment to satisfy my XXXX payment, which finally cleared my bank account on XX/XX/2021. After observing the debit from my bank account, I thought everything had been taken care of and didn't feel it was necessary to contact VW Credit.
On XX/XX/2021 I received an alert from my bank that another attempt was being made to debit my monthly lease payment for XXXX by Volkswagen Credit. Since the payment was already satisfied on XX/XX/XXXX, this additional ACH authorization put my bank account at a pending negative balance. I immediately contacted the customer service line for VW Credit XXXX and was told by their support specialist that they couldn't stop this additional ACH authorization, even though my XXXX payment was already satisfied.
I then asked to speak to a manager who informed me that their hands were indeed tied and I'd have to contact my bank to place a stop payment. I even uploaded an official letter addressed to VW Credit, stating that I was revoking authorization for an ACH debit from my account. The manager at VW Credit again stated that even though they could see that my XXXX payment had been satisfied, they were without the ability to do anything about this transaction and couldn't guarantee that this automatic payment wouldn't be attempted a XXXX time at a future date.
Since neither the specialist nor manager from VW Credit could assist me, I asked to have the contact information for their executive office, so that I may file an official complaint. The manager refused to provide this information to me, stating that they would provide their corporate office with my information and that I would be contacted within XXXX to XXXX business hours. So, in the meantime, though I did my best to ensure my XXXX payment was provided to VW Credit, I'm now left without any available funds in my bank account, due to their inability to cancel a pending automatic payment.
|
| 02/13/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
My name is XXXX XXXX, I'm a full time employee with XXXX XXXX, a full time parent, former college student and Veteran of the United States XXXX.
This statement is directed towards VW Credit and the issues that I had experienced after informing them of my hardships.
XX/XX/XXXX I had called VW Credit to inform them of my hardship that I was facing and wanted to know my options and expressed that I was open to any type of assistance with my auto loan. The customer service agent wasn't unpleasant but seemed to lack compassion in regards to my current situation and suggested that I could voluntarily surrender the vehicle but it was going to cost me {$300.00}. I of course did not have this amount to spare at the time due to needing the vehicle to travel in search of / commuting to work, having a child full time, and to grocery shop. I then avoided their calls from that point on due to fear, anxiety, and XXXX.
In XX/XX/XXXX, I omitted myself into the VA Hospital in XXXX, GA for XXXX and suicidal thoughts. This was partly stemming from debt collectors, including VW credit not attempting to assist me during my current hardship that I was facing.
XX/XX/XXXX Wrote VW Credit a note and submitted it, explaining that I have found employment as a government contractor and wanted to be placed on a payment plan that would be reasonable so that I could catch up. I had stated in the same note that I did not want to communicate over the phone due to the discomfort of the situation so I suggested email.
I never received a response to my note but a phone call that very day or next from VW credit. I refused to answer, knowing that my note was received and reviewed.
XX/XX/XXXX Decided to call VW Credit because it had been a month since I wrote them and the anxiety was torturous. I spoke with a collections clerk by the name of XXXX XXXX XXXX and he basically made it seem strictly business and that despite my prior hardships, their was nothing they could do for me in regards to debt forgiveness and that I will need to pay the balances owed. I promised to pay {$500.00} on XX/XX/XXXX and will do so but I was never given 60 days to prevent late payment reporting to the credit bureau, after stating my hardship back in XXXX. Due to this creditor not offering assistance, my credit has suffered dramatically since XXXX of XXXX and even today.
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT VW CREDIT XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$46000.00} {$46000.00} {$46000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/XXXX balance Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
|
| 04/18/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I got married in the XXXX o f 2016 and am in the process of updating my legal name. I am currently trying to update my name, loan, title, and registration information with or throu gh Volkswagen Credit and after 2 me ssages with their online portal and 4 phone calls with 3 different representatives ( 4+ hours o f phone time ) I have been unable to get clear information on how to update my legal name on my title ( updated title information is required to get my registration updated in my state ). The first representative told me to wait until my car was paid off ( 2.5 years ) to up date my legal name and failed to give me name change paper work for my online portal and instead instructed me to send in my marriage certificate with out any accompanying paper work to update all my account information. I asked this first representative if this was the official process as it did n't seem sufficient to update my portal information and title/registration and I was assured it was fine. After I found my name was not updated correctly in the portal I called again, and my second representative, informed me there was official VW paper work for the process of name change for the online portal and title/registration. I was told I needed to fill out this new paper work, get it notarized, and then fax the paper work back in. When I asked if faxing the documents was sufficient considering a notary was required, I was assured this was would be fine. Two days later I received a call back from this second representative telling me I could n't fax the paper work it must be mailed. At which point I insisted someone must check the paper work I submitted via fax to make sure it was complete before I went through the trouble of sending in notarized documents. I was told she would call me back. She later emailed me blank forms that gave me no indication if my paper work was completed correctly. At which point I called back and spoke with a third representative. I spen t one mo re hour on the phone with the third representative where she was able to explain details of the paper work the second representative could not. Unfortunately, following many questions I had with the third representative I was still unable to clarify exactly what my next steps would be to finish the name change process for my title and/or registration.
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| 05/02/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I returned my XXXX XXXX 3 months early ( 39 month lease ) on XX/XX/XXXX as part of a " pull ahead '' arrangement and I signed a new 36 month lease for another car ( XXXX XXXX ).
On XX/XX/XXXX I received a letter from VW Credit , Inc. ( dba Audi Financial Services, " AFS '' ) indicating that I owed monthly payments on the XXXX and that failure to pay may result in them reporting to the Credit Bureaus. I called XXXX that evening to express my concern about the letter as I did not owe monthly payments on the XXXX as I'd returned it at the end of XXXX.
AFS said that this is a dealership issue and that I should contact the dealership.
The dealership said they submitted all the paperwork to AFS but that AFS hasn't taken care of it because they have computer issues and are otherwise backed up. They even shared a " grounding report '' statement with me that was generated on XX/XX/XXXX.
On XX/XX/XXXX I received an email from my bank that my credit score dropped [ xx ] points.
I pulled my XXXX credit report which shows that XXXX was OK and had no Balance or Past Due - this makes sense as XXXX was the last month I had the car. However, XXXX, was noted as 30 days past due.
I immediately called XXXX and sent them the grounding report I received from the dealer. They said they would correct any issues with the credit reporting agencies.
On XX/XX/XXXX I called AFS who said that the credit mark was reversed on XX/XX/XXXX and that I'd receive a letter from AFS.
On XX/XX/XXXX I called AFS who said that I shouldn't have been expecting a letter from AFS ; the letter would be from the credit Bureaus but that he'd generate a new final statement with excess wear and tear costs that I owe on the car.
On XX/XX/XXXX I called XXXX to see if they received the correction from AFS. They indicated that the last update they had from AFS was XX/XX/XXXX.
On XX/XX/XXXX I called AFS who said my account was sent to the credit team for adjustment, but that it didn't get done. She was going to request it be rushed through within 24-48 hours and she is really sorry. She also said she would note that my account had a complaint.
My understanding of 12 CFR 1022 is that AFS has 30 days to correct misreported data. I called AFS on XX/XX/XXXX and its 58 days later with no action taken to correct their mistake.
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| 06/28/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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From XX/XX/XXXX to XX/XX/XXXX all of the transaction history of the lease billing and payments appears to be correct. The problem started on the XX/XX/XXXX billing statement ( with a due date of XX/XX/XXXX ). For an unknown reason, the XX/XX/XXXX billing statement displays a past due amount of {$1.00}. I called VW Credit on XX/XX/XXXX and spoke with XXXX . XXXX was not able to determine the reason for the past due amount. Even without an explanation or justification from VW Credit, I paid the amount listed because I did n't want to risk being delinquent. Even after paying the regular amount due and the {$1.00} past due, the same amount of {$1.00} past due appeared on the XX/XX/XXXX statement ( with a due date of XX/XX/XXXX ). I contacted VW Credit again by phone and this time spoke to XXXX . XXXX 's explanation was that VW Credit was having an issue with a data feed to a third-party statement producer and that the past due amount was incorrect, did not need to be paid, and could be ignored. I requested that the statement billing be corrected. The XX/XX/XXXX statement ( with a XX/XX/XXXX due date ) continues to display a past due amount. I contacted VW Credit now a third time, this time I spoke with XXXX on XX/XX/XXXX . XXXX did n't have an explanation but said she would request a transaction analysis from a support department within VW Credit and get back to me. XXXX has provided no follow up. I contact VW Credit for a fourth time today, XX/XX/XXXX and spoke with XXXX . XXXX and I were on the phone for nearly 90 minutes. We reviewed the billing and transaction history month by month, transaction by transaction since the lease inception in XX/XX/XXXX . All of our figures were in sync up to XX/XX/XXXX . Like the other VW Credit representatives, XXXX was not able to identify or explain why the past due amount was displayed for the billing statements in XX/XX/XXXX , or XX/XX/XXXX . I demanded that XXXX escalate the call to a Manager. XXXX said there were no managers available. I informed XXXX I would be filing a complaint with the CFPB. I also asked XXXX to provide a contact phone number for the Executive Offices of VW Credit and/or Volkswagen of America . XXXX said he did not have an external phone number he could share.
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| 08/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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My complaint is against VW Credit. I opened a loan at a VW dealer with them on XX/XX/XXXX. The dealer is another story which has to do with the finance department whose best practices are terrible. They did not even go over the paperwork with me which is why i got, excuse me, screwed. If you think that would be a good complaint, then please let me know. But for now, lets just take VW Credit. I worked in the computer banking service bureau environment for over 25 years starting in the late XX/XX/XXXX, so i know all about banking which includes credit bureau reporting. I worked with XXXX and XXXX in the dark ages and know how reporting is supposed to be done. The credit bureau reporting of VW Credit is horrible. It is not consistent ( monthly ) reporting and some fields are inaccurate and field accuracy is different between what they report to XXXX and XXXX. A big problem has been that they keep reporting my monthly payment wrong and also the date of last payment, and did i mention they have sporadic updates? yes i know i did. I have a very good credit rating ( high XXXX ) and have made a couple of bad financial decisions and under normal circumstances, i would not even report this, but these people need some talkin ' to about their procedures. Their monthly statements do not even have a stmt date on them! As for the monthly payment, originally it was {$320.00}, but when i decided they screwed me on the Extended Warranty and Gap insurance ( this was a 3 year lease that came back that i bought ), that was taken off and it went to {$270.00} and every since it has been reported wrong. It is all wrong and i have the copies of the credit reports to prove it. Like I said, this has been exasperating to me. I am at the point where they told me now I have to send them a letter to be sent to the upper management. A special letter. This was after XXXX or XXXX attempts to have them correct their procedures. I also must say that this has made me go to a credit union and I am in the process of taking the loan away from this probably by next week. I talked to a CFPB agent and she told me that would not matter. This is a HUGE lending company and they are so far out of compliance it is not funny. So I will follow what i am supposed to do next to provide the documentation. Thank you.
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| 05/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On XX/XX/XXXX, I contacted Audi Financial Services to cancel the Gap insurance on my recently purchased XXXX XXXX. I was advised by a salesman at Audi that I should not have been forced into paying for that especially since the warranty was soon to expire and that I can call Audi to have it cancelled. I called and spoke with a customer service representative who advised me that the Gap insurance must be cancelled at the dealership from which I purchased the car. So I called XXXX Audi of XXXX XXXX, CA located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX phone number, XXXX. When I called, I was advised that I had to make the request in writing to the Finance Manager, XXXX XXXX. I had no problem doing this since he has helped me both times when I leased and purchased my vehicle from this location. On XX/XX/XXXX, I sent the following email : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Cancellation of Gap Insurance Request VIN # XXXX Good morning, I am writing as a formal request to cancel the Gap Insurance on my XXXX XXXX XXXX, VIN # XXXX. I have spoken to Audi Financial Services and they informed me that I have to make my request through the dealership where I originally purchased the vehicle. Please let me know when my request has been fulfilled.
Kind Regards, XXXX XXXX, XXXX XXXX I did not get a phone call nor a reply. On XX/XX/XXXX, I sent the following email with High Importance : XXXX XXXX Tue XX/XX/XXXX XXXX XXXX XXXX Good morning, This is my second request to cancel my gap insurance on the vehicle listed below. I expect that this request will be completed by COB today. Thank you.
Still, no response. Today is XX/XX/XXXX and I have yet to receive a phone call or email regarding my request yet I know that the request was delivered because I have read receipts. This is unprofessional and very unlike the company Audi that I have trusted for several years, establishing a good relationship and superior payment history. I would like my Gap insurance to be CANCELED, effective XX/XX/XXXX and the check to be mailed to my address which they already have on file. I expect this to be done within the normal 15-30 business days. If not, my next step is to file suit, which is not a route either parties would like to take. Please advise.
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| 11/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/2020 I went to XXXX XXXX ( XXXX, VA ). I had an online reservation for a vehicle as well as a commitment for a trade-in price. Went to the dealership and decided to upgrade to the next highest model of the XXXX XXXX. It was priced at XXXX. There was a promotional deal for 0 % financing. Between my trade in for XXXX, XXXX cash payment that brought the price of the vehicle down to XXXX for financing. The salesman told me since I qualified for 0 % financing the price of the vehicle now went up to XXXX. I refused the deal outright and got ready to leave. He went back to talk to the manager and came back with the XXXX price and 0 % financing. I asked for the written copy of the deal and was told I could not have a written copy. It was not allowed. But, he said, the good news was all my requests were honored and now I could buy the vehicle. We waited an additional 1/2 hour for the paperwork to be drawn up except it was not paperwork. It was a desk sized tablet in which the finance guy whisked us through the signing process. We were given a zip drive with the document and nothing written. When I received my first loan payment coupon I was shocked to see the balance of the loan was XXXX. That means they did not deduct my cash payment or trade-in value. No. The problem was the raised the price of the vehicle to XXXX in the loan documents and I had no idea they did this. They fraudently raised the price of the vehicle, rushed me through the signing process and out the door with no written documents or way to check for accuracy. They essentailly stole my trade-in and XXXX ash deposit. I trusted they would stick to their word on the verbal deal we made. My husband and daughter were both witnesses to the verbal deal. I have tried to contact the dealership for 2 days ( I am out of state and can not get there easily ). I have received no call back from the finance director. I have reached out to the VW complaint bureau and was given a number to call which I have been unable to reach a live person. I want this loan re-written for XXXX that would reflect the agreed upon sale price of XXXX. In a side note this same vehicle is now offered on their web site for XXXX. So it is price gouging to begin with and then a fraudulent loan and sales tactics on top of it.
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| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am reaching out to address a critical matter concerning Volkswagen Credit 's inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.
The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations.
On XX/XX/XXXX XXXX I sent a letter to Volkswagen Credit ( Certified Mail # XXXX ), seeking resolution and clarification. Unfortunately, there has been no change in the account status, which is particularly troubling. As per 15 U.S. Code 1681, transactions history by the consumer should not be reported, and I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of late payments across all three credit reporting agencies by Volkswagen Credit is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly.
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws.
Thank you for your time and consideration.
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| 01/22/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I owned a XXXX XXXX XXXX XXXX leased vehicle. A few months before the end of the lease, I received an email from Audi Financial stating that my lease is approaching and I might be eligible for a waiver. To make sure that the email is legit I discussed with the dealer and was assured that I won't be liable for the remaining payments if I exchange the car. Therefore, I agreed to verbal terms and exchange my existing car with a newer model because the XXXX XXXX had safety issues and XXXX wasn't able to fix it.
Through the lease term, I reported many issues that the car XXXX was faulty which caused the rearview camera to go black and the safety sensors of the car did not work. Because of that, the rear tailgate light broke while backing up.
On XX/XX/XXXX I leased an XXXX XXXX XXXX from XXXX XXXX of XXXX. They delivered the car to my residence and took the XXXX XXXX. Around XX/XX/XXXX I received a final bill from Audi financial. The statement was dated XX/XX/XXXX. Upon reviewing the bill I contacted Audi financial immediately to discuss the matter. The gentlemen told me that they might be received a check from the dealership and advised me to contact the dealer to follow up. I followed the advice and contacted the dealer who also advised me to deal with the Audi financial.
On XX/XX/XXXX I contacted Audi financial again and discussed the matter with XXXX Id # XXXX. Going over and over XXXX advised dealing with the dealership. She also offered a settlement of {$700.00} which I believe is ridiculous during the current COVID lockdown when almost every barely meeting income need to be current on the financial obligations. And when I brought this up to her she did not care. Indeed XXXX advised me to discuss the matter with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Following XXXX 's advice, I called the number and reached out to Audi Financial. This time XXXX told me the thing and advised me to contact the dealer. So after taking advice by contacting the dealer I found out that nobody is available to talk except the operator who will get the detail and call back. As a victim in this situation, I feel like this communication will be never-ending and they are bouncing me like a ball. Therefore I am taking all necessary action to resolve this matter.
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| 10/17/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I purchased a XXXX VW Passat TDI SEL XX/XX/XXXX. I took a 0 % interest 60 month loan with VW Credit. I made every month payment timely and was never late. On XX/XX/XXXX, VW announced that they had used " cheat devices '' in their TDI ( i.e Diesel ) vehicles. The intent of these devices was to violate American environmental standards. In particular, to cheat in meeting NOx emission output. VW immediately imposed a ban on its dealers from selling these effected new and/or used TDI vehicles. As a result, TDI vehicles have certainly lost significant value since VW has n't determined how, or if, the vehicles can be repaired to legally satisfy EPA emission standards. The matter is well know and rather than explain it further, I will instead address my complaint. I made a request to VW Credit to suspend additional loan payments until such time that the EPA accepts the remedy regarding the TDI scandal. I purchased the vehicle based on VW 's claim that the vehicle is a " Clean Diesel '' that provided efficient use of diesel fuel in delivering the rated MPG along with EPA complaint emissions standards. The sale was based on a lie and fraud on the part of VW. VW themselves do not deny the wrongdoing. I do not want to continue paying for this vehicle until I know that the vehicle satisfies all the conditions and expectations made to me when I purchased the car.
I cite " 16 C.F.R. Part 433 : Federal Trade Commission Trade Regulation Rule Concerning the Preservation of Consumers ' Claims and Defenses ( The Holder Rule ). I am presently in a position of having to make continued payments for this vehicle in order to maintain my excellent credit ratings even though the vehicle was sold to me under fraudulent and possibly even criminal intent by the manufacturer VW. In addition, it is unknown if there is a fix for this problem. In effect I am being forced to pay for a what might be a worthless pile of junk to preserve a personal attribute that I 've worked hard to create ( i.e. my credit score ). I request your assistance in getting VW Credit to honor my request to suspend future payments until VW and EPA agree to a fix to this mess. I should not be held hostage, I am a victim of a fraud. VW is the perpetrator and probably even the criminal.
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| 09/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
Servicemember |
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XXXX XXXX, XXXX To the Consumer Financial Protection Bureau.
I have a complaint and believe that I a.m. not being treated fairly by VW credit.
In summary, a XXXX XXXX that I recently leased was not placed on auto pay at the time of purchase on XX/XX/XXXXat XXXX XXXX XXXX XXXX XXXX as I had been promised.
XXXX XXXX XXXX VIN : XXXX Account Number : I was led to believe that placing the vehicle on auto pay would decrease my monthly lease payments XXXX XXXX XXXX XXXX XXXX.
I was initially made aware that this was not the case 37 days following my purchase on XXXX XXXX, XXXX. I made an online payment at that time of {$830.00}.
I called XXXX XXXX XXXX, XXXX to remedy this.
Obviously this was not remedied given that I was again notified on XXXX XXXX, XXXX that a payment was overdue. At that time I made an immediate payment of {$1200.00}. Unfortunately this payment was approximately 34 days past the due date and reported to my credit union. I again asked as to why Autopay had never been initiated and was told, for the 1st time, that they had no longer initiated such for the last year. I was never told this.
This was not the case for the other 5 XXXX that I have previously and concurrently leased, which were all on Autopay.
I would ask that this negative report be removed given that it was not completed at the dealership as promised. I have never had this problem with 3 prior purchases at this dealership and 2 additional purchases at other VW dealerships. I have made well over 200 lease payments to VW over the past years with no late payments.
Previous leased VWs on auto pay XXXX XXXX XXXX XXXX ) XXXX XXXX ... XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Lease Account Type : Lease Account Type : Lease Auto pay Auto pay Auto pay Current leased VWs on auto pay XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX VIN:XXXX VINXXXX Account Type : Lease Account Type : Lease Total Amount Due : {$250.00} Total Amount Due : {$250.00} Due Date : XXXX XXXX, XXXX Due Date : XXXX XXXX, XXXX Autopay Autopay I made an initial inquiry to VW credit on XXXX XXXX, XXXX with minimal to no help.
I made a 2nd inquiry to VW credit on XXXX XXXX, XXXX which was ignored.
I appreciate your help with this.
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| 07/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I XXXX, XXXX XXXX requested a loan payoff for the account on XX/XX/XXXX and the loan payoff was posted to the online message box on XX/XX/XXXX. The loan payoff letter was received in the mail on XX/XX/XXXX. The loan payoff is due by the XXXX. On XX/XX/XXXX the first letter of instructions ( claim of credit ), XXXX, federal reserve XXXX XXXX and XXXX, and the negotiable instrument of the loan payoff endorsed was sent to the CFO over night and was received on the XXXX at XXXX pm ( letter of instructions states XXXX business days will be given to receive a response. A copy of the endorsed negotiable instrument of the loan payoff was sent to the billing center requested in the letter that was sent to XXXX XXXX. The first correspondence from Volkswagen credit was post marked XX/XX/XXXX and said they received my correspondence on XX/XX/XXXX. The second set of instructions that was sent to the CFO ( opportunity to cure ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the loan payoff endorsed on XX/XX/XXXX giving XXXX business days to respond. Volkswagen correspondence was postmarked XXXX and said my correspondence was received XX/XX/XXXX. The third set of instructions was sent on XXXX ( default of notice ) along with POA, federal reserve XXXX XXXX and XXXX, and the negotiable instrument of the loan payoff endorsed. Again, given XXXX business days to respond accordingly. Their correspondence was postmarked XX/XX/XXXX and said my correspondence was received XX/XX/XXXX. All of my instructions were sent overnight using XXXX with tracking. Also, all items sent had to receive a signature upon delivery. A copy of this file complaint and all evidence has been sent to the CFO as well. As of XX/XX/XXXX the instructions have not been completed by the CFO at this time. As of now the CFO of Volkswagen credit Inc. is in violation and breach of contract of the following laws/acts : 15 USC 1611 , 3-602, 3-603, 3-604, 3-611, 3-408, 3-409, federal reserve act section 16, and federal reserve act 29. Due to the nature of the violation, I am seeking remedy of the full contract to be paid out for the account with Volkswagen credit Inc. and 1 percent of the total assets of Volkswagen credit Inc. member bank.
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| 03/11/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
Servicemember |
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I entered into a vehicle lease for a XXXX Volkswagen Jetta at XXXX XXXX Volkswagen in XXXX, XXXX in XXXX XXXX. The lease was supposed to run until XXXX XXXX. However, I received XXXX in XXXX XXXX. I was XXXX for a total of 184 days. While at training, I attempted to terminate my lease under SCRA, but Volkswagen denied my application because they said SCRA would not apply if I was not XXXX out of the U.S. I applied twice more after that and still continued to be denied. Eventually, in XXXX, the dealership told my mother they would take the car back and she turned it in without issue. However, in XXXX I received invoices from the dealership stating that I was behind two payments for XXXX and XXXX XXXX. After calling the dealership, they told me that they had not completed the process for turning in the vehicle and that those two payments would be taken off of my account. However, in XXXX XXXX I received a statement from the Volkswagen credit department out of XXXX saying that I owed {$13000.00} for the remainder of the lease. I went to the XXXX XXXX legal office for help. The XXXX called the credit department informing them of my rights under SCRA and they told me to reapply to them since they are the ones authorized to process vehicle turn-ins. First, they gave me a fax number which did not work. Then the XXXX was able to email my paperwork to the credit department and I received a receipt that they received the email. However, after a week went by, they said they still had not received my email, even though they sent me a receipt notice. After re-sending the paperwork, they denied my application again citing that SCRA did not apply to me because I was not out of the U.S. and I was not on XXXX XXXX for more than 180 days, even though my orders show I was. The XXXX again called the credit department to inform them that they were incorrect and told the XXXX that they would look at it again and contact us when they reviewed it. I have still have not heard back, even though they are continuing to send me invoices. The XXXX and I feel that Volkswagen is being completely unresponsive and is not honoring my right to legally early terminate my lease under SCRA and at this point want to seek assistance from the CFPB.
|
| 06/20/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with the interest rate
|
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Web |
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In XX/XX/2018 we were referred to XXXX XXXX by XXXX XXXX XXXX XXXX. The XXXX authorized person at the dealership worked out a lease deal for us that would give us payments of about {$390.00} per month. The lease was no money down, no first month 's payment, and no security deposit which is a standard XXXX deal. The lease term was 48 months with a residual value of {$18000.00} and a 10,000 mile per year. Well before we drove the two hours to get to the dealership I submitted the online application and BOTH XXXX XXXX and Volkswagen Credit ran my credit report as a hard inquiry. We had provided a deposit to hold the car when they confirmed the lease and payment and they said that would either be applied to the lease to further reduce our {$390.00} payment or we could have it refunded. We arrived at the dealership to pick up the car which we had been assured several times was ready and all we would have to do was " sign and drive. '' That turned out to be a lie. The dealership said they could not verify my income ( I am a XXXX employee and I had already provided my past three Earnings and Leave Statements ) Then I was told that I was not allowed to use my rental income then they told me it was not necessary. Then they ran hard credit inquiries three more times which by the end trashed my credit score and then came to me and told me because they could not " verify my income '' and because I had so many hard inquiries the only way they could make the " deal '' was to add an extra {$120.00} the the payment ( going from {$400.00} per month to {$520.00} ) and they would now require that I pay {$1200.00} up front and have a higher payment than what was promised. They also claimed that they could not verify that I had any previous car loans -- although I had a lease with XXXX that was paid off early and still shows up in my Volkswagen online account. The other was an actual car loan through XXXX that was paid off in advance also. The series of lies were designed to increase the cost of the vehicle significantly -- {$6200.00} over the term of the lease. We were told our deposit would not be refunded if we did not complete the deal because they had taken the car out of stock and held it for us.
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| 12/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Account reinstatement or redemption after repossession
|
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Web |
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On XXXX the XXXX, XX/XX/XXXX and XX/XX/XXXX a negotiable instrument with a remittance coupon was sent in with a letter of instruction to the company by me, the company ignored and dishonored.Which violated UCC 3-603 TENDER OF PAYMENT ( a ) ( b ) which states if tender of payment of obligation to pay an instrument is made to a person entitled to enforce the instrument the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) as stated if tender of payment of an obligation to pay, an instrument is made to a person, entitled to enforce the instrument, and the tender is refused. There is discharge to the extent of the amount of the tender of the obligation of an indorse or accommodation party having a right of recourse with respect to the obligation, to which the tender relates.
The company also violated UCC 3-604 DISCHARGE BY CANCELLATION OR RENUNCIATION. UCC 3-149 ,3-104, 3-306 USC 1786 ( m ) ( 10 ) ( A ) and 3-301. Has all been violated.on XX/XX/2023 a validation of debt letter was sent out to the company, the company responded with a letter stating my account will remain the same and the debt was never XXXX XX/XX/XXXX I received a letter from the company threatening to repossess my vehicle. If payment wasnt made.on XX/XX/XXXX my vehicle was illegally repossessed. There wasnt any current UCC filings for a lien on my vehicle at the time of repossession. Given that the company has traded my securities Which is currently still being traded on the primary and secondary market with out my permission. according to 3-203 ( b ) it states that the company lost their legal right as a holder upon the transfer.The company also stated in my contract that they were not to share my personal and private information with any non-affiliates or third-parties however, my information was share with non-affiliates. The company is only giving me one option to resolve this matter and In the threatening letter to sell my vehicle on XX/XX/2023 if I didnt pay the full balance of {$57000.00} only given 15 days to do so. The companys Never gave me a valid reason as to why my payment wasnt accepted and they also violated XXXX XXXX title XXXX XXXX.
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| 04/06/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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XXXX XXXX my husband XXXX XXXX XXXX XXXX received orders that he was to deploy to XXXX by XXXX XXXX, XXXX. Right after we where notified of the deployment I contacted VWCredit in reference to my lease and to find out steps I need to take since my lease was not to terminate until XXXX XXXX. I spoke to a lease representative and he explained to me the steps I needed to take. I faxed my husband 's orders to them and the next day I received a emailed with a form attached that needed to be filled out by a VW dealership and returned to them 15 days prior to turning the vehicle in. So 15 days prior to us departing we took the form to our local VW dealership and had the form filled out and faxed it to VW credit. On the Friday prior to us leaving for XXXX on our way to visit family for the weekend I received a phone call from VW Credit stating after reviewing the orders they discovered that we did not qualify for the XXXX and would be responsible for the remaining 11 months of payments totaling {$5400.00}. After many phone calls I finally was able to speak to the head of VW Credit leasing department. He sympathized with me but said there was nothing he could do. I explained that I have owned XXXX VW XXXX and have been a valued customer. Also I said if we had been told back in XXXX that we did not qualify for the XXXX we could have sold the car and had no out of pocket expenses since the car was in excellent condition with only XXXX miles on the XXXX lease. Well under the allowed mileage. We ended up turning the car in and it will be sent to auction. We will be responsible for the remaining balance not to exceed the {$5400.00} owed. The head of the leasing department agreed that I had been miss informed and given inaccurate information that ultimately lead to our dilemma. But he could do nothing about it. My brother is part owner of a dealership XXXX and told me that is not true, it is a choice that has been made. I 'm very frustrated by the treatment we received and by the fact that XXXX does not apply to all XXXX XXXX and retired government employees XXXX. My husband gave 21 years to the XXXX and now 11 years XXXX. As a civilian he has XXXX 3 times XXXX.
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| 04/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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XXXX XXXX XXXXXXXX XXXX XXXX VW Credit Inc. violated the Truth in Lending Act on XX/XX/XXXX with dealer number XXXX contract XXXX, XXXX # XXXX pursuant 15 USC 1605 ( a ) when it required me to make a {$5000.00} down payment on my XXXX VW XXXX. Furthermore, XXXX XXXX XXXXXXXX / VW Credit Inc. was in violation of 15 USC 1605 ( e ) ( 2 ), when it included a {$690.00} documentation fee in the {$27000.00} that it financed in the sale of the Passat.
In XXXX, VW Credit Inc. repossessed and auctioned the XXXX VW XXXX then charged off the remaining debt which it claims to be {$6600.00} and reported it to all three major credit reporting agencies. As defined by the IRS, a charge-off is considered gross or ordinary income. Income, consequently, does not get reported on a consumer report.
Furthermore, VW Credit Inc. sold the {$6600.00} debt and shared my information with a third party without my permission, a direct violation of the FDCPA. Pursuant 15 USC 1692 ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
VW Credit Inc. is also in violation pursuant 15 USC 1692 ( 608 ) ( 4 ) - The advertisement for sale of any debt to coerce payment of the debt. I contacted VW Credit Inc. and was told that VW Credit Inc. no longer has my records and that a collection company has my information and is now attempting to collect on the charged-off {$6600.00} debt.
I recently received notice from collection company XXXX XXXX XXXX XXXX of New Jersey. XXXX XXXX on its mail correspondence that, this is an attempt to collect a debt. I note that this alleged debt, allegedly connected with VW Credit Inc., is disputed and validation requested.
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| 11/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I signed up for Auto pay with VW Credit. They had my checking account information for this purpose. The multiple monthly payments were automatically deducted. Come XX/XX/2019, unbeknownst to me, the payment was not automatically withdrawn. Fast forward to XX/XX/2019, I get an alert stating my credit went down 70 points!! I see on my credit report that I was over 60 days in late payment to VW Credit. I called VW credit and talked to them about it. They said I wasn't enrolled in automatic payments. I told them this was untrue as payments were automatically deducted from my checking account. I finally got a supervisor and she admitted that " there must of been a computer glitch ''. However, she said she could not fix it herself. I would have to contact the credit bureaus. Which I did MULTIPLE times -- only XXXX, and XXXX updated their records to correct that I was NEVER late. In fact, not only was I not late, I paid off the 3 year lease, nearly 3 years early! I only owe 2 payments left out of a 36 month lease. I never bothered to look to see if my payment was deducted because I felt like I didn't have to as I keep plenty of money in that account. XXXX refuses to fix this. I have filed complaints with them 4 to 5 different times and all they do is just send me a copy of my credit report. Because they would not fix this in XXXX XXXX XXXX I went ahead and paid off the lease minus 2 payments because I did not trust that VW Credit would take out my automatic payments. I pay ALL my bills on time. I take my credit very seriously. I am trying to buy a home in Florida and this strike on my XXXX credit report affects me getting a better interest rate!! They are horrible. They say they will look into it but they really never do. They just print out a copy of my credit report. The other companies found in my favor and CORRECTED the late payment in XX/XX/2019. I have been battling this for over a year now. Should I get a lawyer? It is principle for me. I pay off all my debts ON TIME. XXXX is too lazy or they just don't care! Can you please help me get this bad mark of my credit report. I am at my wits end. Thank you for taking the time to review my case.
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| 04/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX Tel : XXXX XXXX XXXX Lender Dispute : VW Credit Please see attached : The original contract which outlines the vehicle lease terms. I can't locate a signed copy but would appreciate it if the Lender provided one.
Copies of insurance certificates, proof of complete coverage on the vehicle in question up until the lease term expired. I inadvertently forgot to cancel the monthly insurance and carried it for a few extra months.
The car was turned in to the XXXX XXXX dealership in XXXX of XXXX. On the day before the lease expired. The vehicle was not a voluntary repossession.
Two separate credit reports are attached. One mentions a {$5000.00} balance in XX/XX/XXXX. In XX/XX/XXXX, my XXXX credit report showed XXXX, no outstanding balances for an auto loan. I've attached copies of the current reporting on my XXXX XXXX, and XXXX reports, where they are incorrectly reporting 46 late payments. I want both agencies to remove this incorrect information.
Emails from Audi reps offering me different options to lease a new Audi. In one email, the representative mentions my payment status. No delinquent balance and four months remaining on the lease at the time of their offer. Why are they charging 46 payments as late? And charging me in XXXX, XXXX, XXXX when there was no active lease.
I have disputed the VW item with XXXX, and it was removed from my credit report. They did their proper diligence, and I appreciate it.
XXXX radio was still active when I made my final payment to fulfill the terms of the VW Loan.
At no time have any Audi representatives, or anyone from the VW loan department contacted me regarding the lease and alleged default or loan terms. No phone calls, no letters, no emails other than offers to lease another new vehicle. I'd be more than willing to review any correspondence if produced by VW Credit or an Audi dealer. I have seen absolutely nothing from them. I've requested copies of my payment ledger many times to no avail.
The car was not repossessed. The lease 's full terms were met, and I'm requesting that the derogatory missed payments please be removed from my credit report as soon as possible.
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| 03/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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I noticed that my standard monthly payment to Audi Financial had not been withdrawn. Due to to my entire family having XXXX, I was not monitoring my bank account as much during the month of XXXX. I logged in and looked on XX/XX/XXXX and noticed it was not withdrawn. I had tried to manually process the payment on XX/XX/XXXX. Apparently it was rejected by my bank. Not sure if the account number was wrong or what but my account has plenty of funds.
On XX/XX/XXXX Audi posted a letter in my " MyAudi '' account which I have no reason to ever check. This letter stated my payment was returned. My payment was due on XX/XX/XXXX. No phone call from Audi saying your payment is about to be 30 days late. No contact. No email to my personal email address which I always check. No phone call to let me know there was an issue. They mailed me a letter which was received after the XX/XX/XXXX due date.
It took them about 24 hours to report my account as 30 days past due to the Credit Bureaus. All 3 of them. I have emailed Audi, sent letters to the CEO, and sent letters to dispute this information.
If a company is going to be allowed to do this during XXXX pandemic for a customer who has made every payment on time to Audi over the last 3-years that is despicable. They have an obligation to pick up the phone and call me IMMEDIATELY when they see the payment returned.
I have subsequently again processed the payment due. I have never missed a payment 30 days late in over 20 years of having credit. When I have tried to process the payment I think Audi 's system is changing my account number to my bank routing number and that is why it appears the payment was rejected. Whether this is Audi 's system mistake or my input mistake one will never know. But, the truth is Audi should have immediately picked up the phone and called me either way on XX/XX/XXXX when the payment was rejected. The error could have been rectified prior to the XX/XX/XXXX date when the payment became 30 days late. They should have also shown more care for a family dealing with the XXXX pandemic and inflicted with the virus.
Audi needs to correct this issue immediately.
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| 02/27/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I have a vehicle loan through Volkswagen Credit for a XXXX XXXX SportWagen. This vehicle was included in the VW XXXX Liter diesel settlement agreement, and I entered into an agreement with VW XXXX XXXX to buy back my vehicle under that settlement. The amount of cash I was entitled to receive in that settlement included payoff of the remainder of my vehicle loan balance with VW Credit as the balance stood at the time VW XXXX XXXX confirmed my outstanding loan balance which was sometime in either late XXXX or early XXXX XXXX. However, I was not able to obtain an appointment with VW XXXX to buy back my vehicle until XXXX XXXX, XXXX. In the meantime, XXXX payments on my auto loan became due and I paid both on time. I was assured by VW Credit and VW XXXX that VW XXXX XXXX would transmit the full amount of the balance due as of early XXXX and the amount of payments I made in XXXX and XXXX would be refunded to me shortly after VW Credit received the funds from VW XXXX. The VW Credit representative I spoke with initially told me it would take 2-3 weeks for VW Credit to receive the funds from VW XXXX XXXX, and would initiate a refund of overpayment to me within 2-3 business days following the account closure. VW Credit confirmed that it received the funds from VW XXXX XXXX to payoff the loan and closed the loan on XXXX XXXX, XXXX. I called today XXXX XXXX XXXX XXXX to determine when the overpayment would be refunded to me, and they confirmed I had a refund of about {$820.00} due to me, but would be holding those funds for 17 days following the payoff date of XXXX/XXXX/XXXX. This means that VW will effectively have held my money for nearly a month and a half after I turned in my vehicle to VW and satisfied all my obligations to them. I believe I ( and other VW owners who are similarly situated ) be entitled to a speedier return of our funds. Shortly after I got off the phone with this representive, he called me back and let me know they could expedite the process by about 4-5 days if he submitted a check request. However, this will still result in VW Credit holding funds due to me for over 1.5 weeks following payoff of the loan.
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| 03/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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Assignee/Lender Name : Audi Financial Services XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Re : Acct # XXXX ; Car Year : XXXX ; Make of car : XXXX ; Model : XXXX ; VIN Number : XXXX ; Stock Number : XXXX ; I am writing concerning the above-referenced accounts and transactions.
This vehicle was repossessed by Audi Financial Services in the State of California on XXXX through a third party repossession party, XXXX XXXX XXXX XXXX XXXX.
Under the laws of the State of California, California Commercial Code 9609 and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. Furthermore, according to California law, the repossession was illegal and a breach of the peace.
On the day of the repossession, the repossession agent illegally broke into my car, then used intimidation during the repossession by blocking my exit from the premises, preventing me from leaving, therefore imprisoning me, which is considered a breach of the peace. Moreover, the repossession agent repossessed my vehicle after I instructed him not to, which is a breach of the peace.
As per the California Civil Code, the creditor or the repossession agent must provide the debtor with a notice of the repossession, and it must not breach the peace. In this case, the repossession agent used force and intimidation, which constitutes a breach of the peace.
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.
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| 02/19/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I leased the car from XXXX XXXX XXXX. I planned to buy it at the end of the lease, so my service rep recommended I get 7 years of XXXX XXXX. They charged me {$860.00} but misrepresented what I was buying.
The logo at the top of the contract says " XXXX ''. It does not say " XXXX XXXX ''. This is pertinent because I predicted XXXX XXXX would go out of business, based on the way their management treated the employees and neighboring businesses. I would never have paid for a warranty backed only by a dealership whose ship was sinking. They gave up their XXXX contract about a year after I leased the car, and all employees moved to XXXX XXXX. I got my service from XXXX thereafter, and turned the car in there.
I called XXXX XXXX to discuss a {$350.00} turn in fee that was not disclosed verbally, and was obscured by a line on the contract, so I didn't see it. I also asked them to help me get a refund for the extended warranty, because I didn't use it. A representative of XXXX at XXXX told me I should get a full refund. XXXX at XXXX XXXX XXXX ext. XXXX said he would take care of me. As of XX/XX/19 XXXX had not followed up, so I wrote the attached letter.
XXXX called me this weekend only to tell me he would not help. He claims that XXXX has nothing to do with the warranty, and my only recourse is to go back to XXXX XXXX, who is out of business.
I told him that it is sold as an XXXX product. I am asking them to deduct the money they owe me from the money I owe them, and send me a refund. The bill they sent me listing the money I owe them is in error. They claim I only turned in one key, and charged me for the other key. I turned in both keys and can prove it with the attached paperwork from XXXX.
The amount they owe me is minor, {$150.00} if I pay the {$350.00} fee that is obscured ; or {$500.00} if the CFPB agrees they should not charge that fee. The real issue is bigger than my complaint.
XXXX sells a warranty under the guise that it is their product and that XXXX backs it up ; then when it comes time to pay, they disavow a relationship to the warranty. That policy deceives the consumer.
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| 09/15/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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Well in advance of my schedule XXXX auto-payment to VW Credit, I changed the bank account information, as I was closing the account from which the payments had previous been processed. I confirmed on the website that the correct banking information was now entered, and all seemed well. Nevertheless, VW Credit still posted the charge to my old account, which had an insufficient balance and caused me to be overdrawn. I asked the bank XXXX XXXX XXXX XXXX to put a stop on the payment, which they did. I also attempted to call VW Credit that day, but " due to high call volume '' the automated system told me to call back at another time and ended the call ( they wouldn't even let me stay on hold ). I sent a message through the website explaining the situation and asking for resolution, with no response.
Fast-forward to today, I receive a message that my account is being penalized for the returned payment and that VW intends to report the payment issue to the credit bureaus. I attempted to call again, and was again not even allowed to wait on hold, only that I could call back again later. And I sent another message, which I assume will not be returned. I don't want to wait to find out.
In the process, they have disabled the auto-pay screen, which previously showed the correct ( updated ) bank information I had entered. Now that it is disabled I can not even show evidence that I had done what I claim. I'm sorry that I didn't take a screen shot earlier but it didn't occur to me at the time that I'd have to go through this kind of extraordinary process.
Finally, I attempted to pay the now past-due amount, but the system will only allow me to pay both the past-due, and the current-due amount ( which isn't actually due until next month ) as well as the penalties which I refuse to pay. Essentially, because of their error, VW Credit is attempting to have me prepay a month 's lease and a penalty, and providing me no method to bring my account current while disputing these completely inappropriate penalties. And they're threatening to ruin my credit in the process.
I'm hoping you can help.
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| 01/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Older American |
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I have not received a loan statement from VW Credit since the statement with a XXXX XXXX, XXXX due date. On XXXX/XXXX/XXXX, I emailed VW Credit as noted : '' Original Inquiry on XXXX/XXXX/XXXX XXXX XXXX : I did not receive a statement in the mail in XXXX and have not received a statement for XXXX yet. Please verify my statement is being sent to my address of record. Thank You XXXX XXXX ''. I received the following reply on XXXX XXXX, XXXX : '' Response on XXXX/XXXX/XXXX XXXX XXXX : Thank you for choosing Volkswagen Credit. We strive to provide quality customer service to ensure your satisfaction.You have not been sent a monthly statement because you do not have an amount due at this time. Your next payment will be due on XX/XX/XXXX.Any additional funds received on your account will automatically be applied toward your next due date available and the principal balance of your loan. Please be aware that the monthly statement will not generate when the full amount of the invoice has been prepaid. If you would like to have a payment applied to your principal balance only, please contact a Customer Care representative by phone. A Customer Care representative can have the additional money applied towards your principal balance as a one-time transaction and not a repeating transaction. If you would like any additional future payments applied towards your principal, you must contact a Customer Care representative by phone.If we can be of assistance in the future, please do not hesitate to contact us again through My Account or contact our Customer Care department at XXXX XXXX XXXX : XXXX ], Monday - Friday, XXXX to XXXX XXXX XXXX. ". Sincerely, Volkswagen Credit Customer Care '' There is not an option on the VW credit web page or via the toll-free number referenced to obtain balance information. The only option available on the website is Pay-Off option, which of course provides a sum for a limited window of payment in full of the total balance owed.
There is no supporting documentation for VW 's denial of provision of a monthy statement in my sales contract.
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| 11/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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I attempted to make a payment on Audi Financial Services ( VW Credits ) website on XX/XX/2020 at approximately XXXX EST. The website allowed me to log in, but would not allow me to actually make a payment. I attempted to call Audi FS immediately to make the payment with them, but their offices were closed. I wanted to speak with a representative to ensure that my payment was made successfully.
The following morning morning, XX/XX/2020 I first tried to call Audi FS, but again their offices were closed yet again. I was able to make the payment online at XXXX EST. To my knowledge, my payment is due by the XXXX each month. On XX/XX/2020, the system informed me that my payment would be considered 31 days late, and as a result would be marked on my credit. The system was not able to take my payment, but was easily able to threaten me.
I attempted to make a payment within my 30 grace period, but Audi FSs system prevented me from doing so. I contacted Audi FS customer support on XX/XX/2020, and was told that nothing could OR would be done, as it was not their policy to assist customers with this. The representative made it clear that the only was that I could attempt to reconcile this would be to dispute it with the credit bureaus. I was provided a form to do so. This non response is unacceptable. The company first wants harm to come to its customer, and only then can it attempted to be fixed.
I have approximately two years of on time payments with Audi FS, and many other years with other lending companies. To be told that it was Audi FS policy to not assist customers was highly disappointing. In addition to contacting the XXXX, I have also reached out to the CFPB.
I am requesting Audi FS backdate my payment a mere 9 hours to when I initially attempted to make my payment. This would accurately reflect my on time payments. I am extremely frustrated at Audi FSs response, and lack of concern of the sever damage this will do to my credit history. I understand that issues can arise, but it is absolutely unacceptable to blame a consumer for a system issue.
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| 04/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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I purchased a car from XXXX XXXX in XXXX, NC on Saturday XXXX XX/XX/2020. I bought a new 2020 XXXX XXXX which was part of their promotional deal " 2020 XXXX models are available with financing as low as 0 % APR for 72 months and 180 day deferment on first month 's payment*. For highly qualified customers who finance through Volkswagen Credit. *Offer available for highly qualified customers on new, unused 2020 XXXX models financed by Volkswagen Credit through participating dealers only. Example : For 0 % APR, monthly payment for every {$1000.00} you finance for 72 months is {$13.00}. No down payment required. Other amounts may be due at signing. Not all customers will qualify for credit approval or advertised APR. Limited to two offers per household. May not be combined with certain other offers. Not available on lease offers.We will schedule your first payment exactly 180 days from the date of the contract. Dealer sets actual price. Excludes business customers. Offer ends XX/XX/2020. Offers not valid in XXXX XXXX. See your XXXX dealer for details or, for general product information, call XXXX. 2020 XXXX XXXX XXXX XXXX XXXX ''. Due to the CoronaVirus I opted to have the car delivered to my house. Upon reading the document I could verify that I was paying 0 % interest but could not see the 180 day deferment on the first month payment.
Therefore, I texted the salesman and received writing confirmation that both condition was part of the deal and so I signed the contract.
A few days later, I saw online that XXXX was expecting my first payment 45 days after the start of the contract. I contacted the dealership which told me there was nothing they could do as the contract was signed and closed. Also the finance manager said he was not aware I wanted the 180 day deferment and that it was a miscommunication.
I have never received a copy of my contract with Flow XXXX and this contract is stated to have started on XX/XX/XXXX on the VWcredit website. However I signed it on the XXXX of XXXX. This was done in front of my house where I have a ring camera.
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| 08/13/2016 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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I had an auto loan with VW Credit for our XXXX XXXX mini-van. At the conclusion of that loan I deliberately refused payment on the final XXXX of XXXX payments ( {$840.00} ) of my auto loan because VW would not repair an ignition recall as they could not provide an adequate engineered part. I paid for this repair out of my pocket and sought civil suit against VW for repayment which we settled in XXXX of XXXX.
While I was attempting to get our ignition repaired I refused to pay the XXXX ( {$840.00} ) of XXXX payments to VW Credit until I was reimbursed for the recall which I paid out-of-pocket. Since I refused to pay, VW Credit sent harassing letters and phone calls insisting I repay the final debt. I was very clear of my reason not to pay the debt was because VW refused to reimburse my out-of-pocket expense for the failed recalled part. VW Credit began calling several of my neighbors on our street advising who they were and that they were attempting to contact me regarding an unpaid debt. VW Credit calls to my neighbors is a practice known in the collection trade as block parties and is intended to create public shame on the consumer, but in reality is legally slanderous and is deemed an unfair practice in violation of the FTC 's Fair Debt Collection Practices Act ( 804 Acquisition of location information ; 805 Communication in connection with debt collection ). I contacted my Missouri XXXX regarding this violation of the FTC Fair Deb Collection Practices Act to which VW Credit responded AND ADMITTED to this illegal block party practice in an XXXX XXXX, XXXX memo. I have a copy of VW Credit 's ( XXXX XXXX 's ) XXXX/XXXX/XXXX response to our Missouri XXXX. VW Credit said in the memo, " VW Credit stopped these practices in XXXX XXXX, we updated our procedures so that we no longer contact neighbors in an attempt to locate a customer ''. Unfortunately our Missouri Attorney General continues to investigate my complaint and has taken an unnecessary amount of time since VW Credit in their XXXX XXXX, XXXX memo clearly admitted to the illegal practice.
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| 01/18/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I went to Volkswagen of XXXX XXXXXXXX to purchase a vehicle and satisfy the entire price of the vehicle via a consumer credit transaction pursuant to the Truth In Lending Act. During that same date agents belonging to Volkswagen of XXXX XXXX made material presentments and furnished deceptive forms as to nature of the contract when they presented me a " credit application account # XXXX " with the intent of utilizing the par value in conjunction with my signature on the application as a draft to create new money on their accounts which satisfied the purchasing order and the finance charge which is the sum of all payments pursuant to15 U.S.Code 1605 ( a ) for the XXXX XXXX XXXX XXXX causing deceit of the nature of the agreement in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. because they extorted me to compel to perform for payment that was already satisfied. The contract being void ab initio because of the fraud performed. Therefore there is no agreement of the debt neither did VW Credit have the right to assume anymore a debt wherefore collection could be made. VW Credit Inc further harmed my estate, damaged my marriage by way of my reputation, and committed theft against me by way of taking my vehicle ( XXXX XXXX XXXX XXXX vin # XXXX ) by way of their self described " reposession '' and engaged in human trafficking pursuant to ( 22 U.S.C. 7102 ( 11 ) ( A ) ) of my XXXX XXXX Person, and violated my right to privacy pursuant to 15 U.S.Code 1692 ( a ) when they trafficked my person to multiple " Credit Reporting Agencies '' for profit such as XXXX, XXXX, and XXXX see proof attached in the next document labeled attachments XXXX, and XXXX. Please see full attachment of the correspondence via the mail that I gave to VW Credit Inc labeled attachment # XXXX on the date XX/XX/XXXX CERTIFIED MAIL, RETURN RECEIPT REQUESTED # XXXX XXXX XXXX XXXX XXXX, and Attachment # XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX.
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| 01/04/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have had repeated problems with Volkswagen processing my state registration and XXXX personal property tax payments. In the past, I have submitted a complaint to the CFPB about Volkswagen 's unfair practices with respect to collecting and remitting personal property tax payments.
I moved to XXXX XXXX from XXXX XXXX in XXXX. I registered my leased VW in XXXX effective XX/XX/XXXX. VW charged me around {$50.00} to process my title paperwork. They did not disclose these fees to me. They simply tacked them on to my next month 's statement. Given that they charged me to process my paperwork, they should know that my car is registered in XXXX.
Despite the fact that my car was registered in Pennsylvania, VW paid my XXXXXXXX XXXX personal property tax through XX/XX/XXXX. This means they overpaid my property tax by over 6 months. I was charged an additional {$530.00} on my XX/XX/XXXX statement for the Property/Excise tax. Because I am registered in auto-payments, this amount ( in addition ) to my monthly payment was sucked out of my account on my normal payment date. VW should have realized based on processing my title work that my car was not garaged in XXXX or registered in XXXX from XX/XX/XXXX to XX/XX/XXXX. As a result, I was overbilled by roughly {$300.00}.
When I contacted VW, their customer service agent confirmed that my personal property tax was paid through XX/XX/XXXX. When I told her that I no longer lived in XXXX and had not for over half the year, she told me that I had to submit a registration card to prove that I no longer lived in XXXX. It is UNFAIR and DECEPTIVE for VW to charge me me when they knew I did not live in XXXX Additionally, it 's UNFAIR that as a consumer that I need to proactively contact VW to tell them that they overbilled me. They should have contacted me and told me to submit a proof of registration if they needed one prior to processing my personal property tax payment. It 's DECEPTIVE because they do n't tell you how to recover your money after they overcharge you until contact them.
|
| 02/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I purchased a new car from XXXX XXXX Audi of XXXX, NJ in XXXX XXXX. Approximately one month after the purchase I discovered an issue. When purchasing the vehicle XXXX XXXX/Audi input the incorrect contact information on my account. The social security number, DOB, etc. on the account does not match mine. For this reason I am unable to access any online services for this loan, including my account number, online payment, and most importantly auto-pay. My only way to pay VW/Audi was to pay over the phone when they called me. They didn't call in XXXX, I can only assume this was due to COVID. I contacted VW/Audi on multiple occasions but they were never able to fix the issue.
In XXXX of XXXX I realized that VW/Audi Financial were reporting a late payment on my account from XX/XX/XXXX. At that time I attempted to reach-out to VW/Audi Financial via phone at least 5 times to address the reported late payment. I was told by the front line customer service reps that there was nothing they could do to resolve the reported late payment, despite the incorrect information on my account, and that a manager would call me back. The managers called at times when I was unavailable, so I returned their calls leaving voicemails each time. I never received additional follow-up from them.
In addition to calls directly to VW/Audi Finance, I've sent them a letter outlining the situation and asking them to change their credit bureau reporting. I've also reported the error through the credit bureau dispute processes. Unfortunately, none of these efforts have led to resolution of this issue.
VW/Audi Finance 's inaccurate reporting is significantly negatively impacting my life. Tonight I attempted to finance a new cell phone ( only a {$1000.00} purchase ) and was denied by two different banks. If this one late payment were removed from my account XXXX XXXX estimates my credit score increases from XXXX to the XXXX range. This late payment seems to be the only reason for denial of my credit applications.
Thanks in advance for your help!
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| 12/14/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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I have setup Autopay with VW Credit since the beginning of my loan in XX/XX/2021. Starting XX/XX/2021, I began having issues with them taking the money out of my account and was never notified. I continued to make my payments on time. In XXXX I made a payment for the XXXX payment multiple times as well as a {$1300.00} payment in XXXX to cover the XXXX payment that VW Credit kept giving me issues with. For some reason they are reporting a late on my credit for XXXX now. I have no idea why or how this is possible. I have had such a hard time with VW Credit that I turned my lease in early due to how unprofessional they have been. They do not take all measures to contact clients if they have issues collecting payments. They do not call, e-mail and send letters which they legally must do when trying to collect payments. When I called and asked they how come they do not call clients, their responses is that they only send letters or e-mails through the portal which always come in late. They sent me a notice for XXXX 's payment on XX/XX/XXXX which was not within legal reasonable time for me to make a payment since XX/XX/XXXX was a short week due to XXXX. I also did not receive the letter from XXXX until XX/XX/XXXX. Also, the payment was due XX/XX/XXXX ( for XXXX to be considered " late '' ) which is a National and BANK Holiday which means it would not have been processed on the XXXX of XXXX. I ended up getting this disputed off the report after many complaints and e-mails to VW. Now, I am getting a XXXX late payment which is not true. I made a {$1300.00} payment on XX/XX/XXXX and it was pulled from my bank on XX/XX/XXXX. This means that I made my XXXX payment. I turned in my lease on XX/XX/XXXX and today is XX/XX/XXXX, which means I can not have a late payment in XXXX since it was made and we are not 30 days past XX/XX/XXXX. This bank has been XXXX to work with and the reason I terminated my lease with them after 6 terrible months. Now my credit reports are showing a late for XXXX and they are not repsonding to my calls.
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| 06/19/2019 |
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
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Web |
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To Whom It May Concern, I am writing you in complaint about Audi/VW Financial. I was directed by OCCC to CFPB because of the nature of the loan. I have a lease for 36 months thru Audi Financial. The price of the car was about {$70000.00}. In which I preceded to put {$12000.00} down upfront to get the payment to where I felt comfortable. In all leases there is a total amount due. Usually closed ended leases calculate that as the total of remaining payments ( including interest/deprecation ). Open-ended leases are different story. In my case, ( closed-ended ) I have had this car for 12 months and was hit by a old lady with only liability insurance. Obviously her insurance company did not cover the entire cost of the car in which my insurance, XXXX, covered under underinsured driver. I problem here now lies that Audi gave me a payoff on the lease of {$50000.00}. My insurance, in which I was not at fault and currently suing the other party for injury, is paying out {$54000.00}. Audi financial is stating they are to keep the overage in payoff. I have spoken to 3 supervisor in Audi total loss department and none of them could answer the question Why? I am in the car finance business. I work with both XXXX and XXXX XXXX, which is XXXX XXXX. Nobody in either total loss department could understand why Audi is refusing to give the money back. I reach out to you in hope that I can get some type of help in resolving this problem. I feel that regardless of the car being leased or financed if there is an overage in payoff, paid by insurance carrier would go back to the insured. Reaping the benefit of my good insurance. I do not believe it is lawful for Audi to keep that money. Because where I stand I am getting total screwed by both Audi and the old lady that hit me. XXXX has stepped up to help but their hands are tied. please contact me at the information below.
XXXX XXXX XXXX XXXX the lease thru Audi is in my wife 's name XXXX XXXX XXXX Audi acct # XXXX payoff {$50000.00} insurance {$54000.00}.
total diff {$4100.00}
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| 09/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
|
|
Web |
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To whom it may/will concern, I XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Purchase/obtained at XXXX XXXX XXXX XXXX XXXX, NEW YORK XXXX
Volkswagen Credit was creditor who I was contracted with as Loan Lender.
I was residing XXXX VA, my primary address at the time of occurrence. I also have a second home in XXXX NY, where my spouse is a XXXX.
Please note : ****VW credit also has on file - XXXX XXXX XXXX as a second resident I visited every other weekend. Both to be aware and for emergency purposes ****.
Back in XX/XX/XXXX my car was repossessed In front of XXXX XXXX XXXX, XXXX NY. For non-payment, which I was aware of because I had lost my job at that time. The first time my car was repossessed I paid VW credit almost XXXX XXXX dollars via XXXX XXXX to get my vehicle back, I knew the car was repossessed because it wasnt parked where I parked it at and I didnt owe any tickets on the car. It was repossessed for late/nonpayments.
Then in XXXX of XXXX, the car was repossessed again in front of XXXX XXXX XXXX. I called VW Credit on XX/XX/XXXX to inquire about my personal belongings and my husband personal belongings that were inside the car and inside my carrier that was on my roof racks. I also need to take my Virginia plates off the car and return them back to the DMV as well as other personal affects, etc..
Called Volkswagen credit on XX/XX/XXXX spoke with XXXX and she advised that the only documents that was sent out to me was back in XXXX of XXXX AT MY VIRGINIA ADDRESS.. XXXX from Volkswagen credit provided me with the phone number of the lot where car was located.
I called the lot and spoke with XXXX and was advised that my personal belongings were disposed on XX/XX/XXXX.
I since moved back to the XXXX and mail being froward to XXXX address and still nothing from VW credit PLEASE NOTE AS OF TODAY 'S DATE. I HAVE NOT RECEIVED ANY ANY DOUMENTS FROM VW CREDIT REGARDING ANYTHING. PLEASE ALSO NOTE THAT XXXX STATED THAT THE ONLY LETTER SENT OUT WAS BACK IN XXXX.
|
| 10/17/2019 |
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
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Web |
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Hi, recently I have completed paying my lease with VW Credit. Per my turn in settlement invoice, I have excess mileage that resulted in an invoice of {$12000.00}. VW Credit is asking me to pay this amount in full, however I advised them via email ( see below excerpt ) as to my financial situation and their response was for me to call them to discuss Original Inquiry on XX/XX/2019 XXXX XXXX CST : Good Day, I am in receipt of the turn-In Settlement invoice for {$12000.00} asking for payment in full. Unfortunately, I do not have the ability to pay this amount in 1 lump sum. My original plan was to purchase the car upon lease completion, however, the local VW dealership was unable to get my application approved without a substantial down payment. Unfortunately, because I needed a car, I purchase another vehicle and opted to turn in the XXXX. This has put somewhat of a strain on my finances. At the present time, I can offer to pay {$150.00} per month until the debt is paid in full. In the event my financial circumstances change, I will pay more or pay the debt off much sooner. Please send written correspondence with your reply to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Sincerely ; XXXX XXXX Subsequently, I called VW Credit on XX/XX/19and advised of the same. I was advised that they will only take {$400.00} per month instead of my offer of {$200.00}. I advised the representative that I initially tried buying this car but was unable because the few banks that approved me for financing wanted a very large lump sum down payment which I do not have. The end result is I had to buy another vehicle which puts more of a strain on me financially. Lastly, although the rep told me they don't offer payment plans of {$200.00} per month, I advised them I just recently paid off a prior loan ( similar situation ) however they still refused and threatened to place my account with a 3rd part collection agency. I value my credit and have worked very hard to build it to where it is today.
|
| 07/24/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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|
Web |
Older American |
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On or about XXXX XXXX, 2014, we leased a XXXX XXXX from XXXX ( FL ) VW. When I entered the automatic payment info in my XXXX XXXX XXXX online account I apparently provided a premature end date. * I recognize that doing so is a major part of this issue. * About two years later we moved to our present address in XXXX XXXX, MA. As a result of my error the bank stopped sending what had been clock-work-like payments to VW Credit. When I saw my credit score decline I looked into the cause and immediately contacted VW Credit. While they had my new address ( as a result of the change in registration and taxation ), my current phone number and my current email, they made NO effort to reach me to tell me I was in arrears. In that regard I hold them partially responsible for abrogating duties that 99.999 % of other creditors would be delighted to perform. When I discovered the problem -- delayed by the fact that I was getting over a bad XXXX -- I immediately sent them three months of payments to get not only up to date but a month ahead to show good faith. Those payments apparently showed up on thew 62d day of when the first late payment was due and VW promptly informed all credit agencies that I was now 60+ days lateral further damaging my credit score.
I went to lengthy explanations with the CEO of VW Credit and everyone else who would listen. None did ; and I got a form letter back telling me that because I was late the matter was closed. VW credit has not lost a dime on me. I continue to be 100 % up to date on payments. But my credit score has been badly damaged and will continue to be so for 7 years. This penalty certainly does not fit my " crime. '' I am not a deadbeat or trying to evade my obligations. Far from it. I made a mistake and immediately fixed it. VW failed to make any effort to ameliorate the situation and strengthen our relationship. For a company that is paying billions in fines for lying to the world ... I find their behavior and callous treatment unacceptable by any standard.
|
| 08/12/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
XX/XX/XXXX contacted VW Credit RE : payment history. Per VW Credit : the account is not up to date because the scheduled payment for XXXX, XXXX was never received. It also took two phone calls to even ascertain that it was the XX/XX/XXXX payment that caused the issue. The first CSR was rude and not helpful at all. I called VW Credit again and spoke with a much nicer more professional CSR.
After checking my bank statements it is verified that a payment was made to VW credit via a phone payment and this is noted on the bank statement as paid to " AUDI FINANCIAL for the scheduled amount of {$390.00} on XX/XX/XXXX, ( please refer to the XXXX XXXX statement. ) It should be noted that all prior payments are documented by my financial institution as payable to VW Credit, and NOT Audi Financial Services. The payment history from VW Credit does not reflect the XX/XX/XXXX payment, ( please refer to the document from VW Credit. ) This error on the part of VW Credit has identified the account as being in " arrears '' since XXXX, XXXX, and has had significant financial consequences, including : jeopardizing my credit score, placing the account in a " catch up '' mode when the account should be noted as ahead of my scheduled payment dates, AND adding additional financial charges and/ or penalties to the account. I want the payment noted by VW Credit in writing to me, or my attorney of record. I have furnished VW Credit with this information.
I also request that all additional fees and or interest charges are refunded to this account. I made the payment on time and fulfilled my obligation as the debtor ; however, VW Credit is very good at stonewalling and has not from day been transparent in this matter. In the event that VW Credit noted a payment not received a simple contact with my attorney, ( who would then forward all correspondence to me, ) was certainly a viable solution. VW Credit made the decision to charge exorbitant fees instead and keep the account delinquent.
|
| 11/07/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
On XXXX/XXXX/XXXX I entered into a lease contract for an Audi XXXX with Audi Financial services. The contract stipulated a monthly payment of {$660.00}. After several months the monthly payment began to vary ranging from {$670.00} to {$660.00} a month. I ignored this until XXXX, XXXX when I reviewed the monthly statement. I then saw that I was being charged a late payment fee of {$6.00}. No payment has ever been late. Late fees were also included in the two previous months. I called Audi Financial on XXXX/XXXX/XXXX and was told the late fee was a system problem with their accounting system and it would be corrected and my payment adjusted. I was also informed that my new payment amount going forward was to be {$670.00}. I was also assured that Audi Financial had not recorded my payments as late.
On XXXX/XXXX/XXXX I logged on to my Audi account and observed the following. The amount due for the XXXX payment prominently displayed on my home page was {$660.00} with no indication of a late fee. The amount due on the monthly statement however appeared as {$670.00} including the late fee charge. In a series of email exchanges with XXXXudi Financial I attempted to get clarification as to the actual payment amount due for the XXXX payment. At this point four different payments were possible : original contracted amount of {$660.00} amount stated by customer assistance of {$670.00} amount shown on my Audi home page of {$660.00} amount shown on monthly statement of {$670.00} The last response from Audi Financial regarding this confusing state of affairs was " We appreciate your feedback and apologize we are unable to meet your needs. '' Although the actual dollar discrepancies are small I do not think it unreasonable for the financial company to provide me with consistent information regarding monthly payments. I am also concerned that my statements have included a late fee assessment for at least three months even though all payments have been made on time.
|
| 05/21/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I went to XXXX XXXX XXXX to get options to trade in my XXXX XXXX XXXX XXXX lease. I was over mileage so the dealership offered me to put a {$2500.00} down payment on a new lease with {$340.00} a month that we hassled with incessantly but they said I had so much in overage that this was the best I could do. I relented but agreed. Months later I start getting letters from VW credit saying that I did n't satisfy the amount owed on my prior lease. The dealership told me that when I got my new vehicle the reason I was putting so much money down was because I was so much over and it turns out they lied and had not satisfied my lease. I reached out to the finance manager XXXX several times, he asked me to get an invoice from VW I sent it to him via email and tried to call and follow up several times and have not heard back. Not considering my many phone calls that he ignored on email I reached out on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and since then when he did n't respond I have been Corresponding with XXXX XXXX sending her the email on XXXX/XXXX/XXXX. I have called XXXX several times which I can document at least 9 times and have only received responses 3 times. I am now in collections thanks to their finance team at a time when I 'm looking to purchase a home among many other changes I 'd like to make. I demand that they honor what they told me and satisfy my outstanding balance, that they write a letter to the credit collection agency stating this was an error and I receive a satisfaction letter stating that it is being removed from my credit and it will not affect my credit rating. If both of those conditions are not fully met I will most definitely file a lawsuit, and if lawful, seek out other plaintiffs who must have had this same experience since there is an apparent culture of making false promises to churn over clients hoping that they 'll pay the excesses they lied about covering so they can make bonuses as a high volume dealership.
|
| 08/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I bought a new VW car through VW Credit in XXXX. The contract allowed extra monies paid over the payment amount to be applied toward the principle. VW Credit changed the contract without notifying me and began to apply the extra monies paid over the payment amount toward future payments instead of toward the principle, allowing them to continue to accrue interest even though more money was paid down. I only learned of this after not receiving a monthly bill. I phoned on XXXX/XXXX/XXXX to inform VW of the missing bill, which is when the representative informed me of the change in policy. The representative informed me that the only way to have the excess money applied toward the principle from now on was to phone VW Credit each and every time a payment is made and inform them to apply that month 's excess amount toward principle. The average wait time to talk with a representative has been twenty minutes in my experience, plus the actual phone conversation time. With this representative, I requested that the two payments I made have the excess money applied toward the principle, as per the " new '' VW policy, and requested that he make a complaint about their new policy on my behalf. The representative said he would. I checked my account on XXXX/XXXX/XXXX and found that no adjustment to the principle was made and that it shows my next payment due in XXXX of XXXX, which means that VW Credit is still applying all extra monies toward future payments, against all my wishes, and still charging me interest on the full loan amount. I sent in a written complaint to VW Credit through their website about these deceptive practices. So far I have gotten no response, nor have I received any written notification of any policy or contract change. First VW cheats on its environmental requirements with its TDI diesels, now it cheats on its financial dealings with customers. This is a breach of contract, and VW Credit should not be allowed this offense.
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I would like to file a complaint regarding my car lease with Audi Financial Services, which is based on the following terms : On XX/XX/2023, Audi XXXX XXXX made a payment of {$55000.00} and some dollars to Audi Financial Services on my behalf to end my lease as they were taking early possession of the leased vehicle. Audi Financial Services subsequently sent me emails confirming that my account was settled in full. Additionally, on XX/XX/2023 XXXX XXXX mailed me a final statement of accounts confirming that no amount was due ( no excess wear coverage either ) on the lease and reported the account as closed to all credit agencies.
It is important to note that Audi XXXX XXXX took possession of the leased vehicle on XX/XX/2023, and it has remained in their possession since then. Despite this, today, I have found out that Audi Financial Services re-instated my terminated lease without my authorization and I now are attempting to charge me again a monthly amount of {$1100.00}. When I contacted Audi Financial Services, they informed me that on XX/XX/XXXX, Audi XXXX XXXX called to withdraw the check and stated that the car was in my possession when, in reality, the car has been in their possession since XX/XX/2023 ( I have videos to support this ).
Audi Financial should fine methods to request the owned money from Audi XXXX XXXX, and not me.
I want this situation to be investigated, and the incorrect charge on my lease account to be corrected back to closed and with a XXXX balance, as Audi Financial Services can not open a new lease without my authorization as the original lease was terminated and closed as paid. This situation is highly concerning and requires an immediate resolution.
I hope that the CFPB can take action to resolve this issue. I appreciate your attention to this matter and your assistance in resolving this situation.
Vehicle info. XXXX XXXX XXXX XXXX.
XXXX account number : XXXX Sincerely, XXXX XXXX XXXX
|
| 01/10/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I leased a VW Passat from the VW XXXX, MA Dealership and returned it at lease end last summer ( 2016 ). I got an invoice from VW Credit charging me {$170.00} for an alleged scratch in the passenger door. The VW General Sales Manager validated that there was not a scratch in the alleged location specified by VW Credit when I returned the car in so I took a photo of the location in the car with him holding his business card in case of any issues. Soon after I got a bill and immediately called VW and explained the issue. I spoke to a man that identified himself as XXXX from VW Collections department saying that he received my note in the bill and that he did n't received any picture with the evidence I mentioned. Thus, he requested I get the VW Dealership in XXXX where I returned the Passat to fax him a letter directly at XXXX stating that there was n't any scratch in the alleged location. I requested this from the General Sales Manager so they faxed a letter stating that, and to contact them if there were further questions. I continued to receive letters from VW Credit billing me for the scratch my leased vehicle did n't ' have! I called VW Collections and spoke to another gentleman and explained the situation. He said they never received anything. I went back to the dealership and asked to please fax the letter again. They pulled it from my customer folder and faxed them in front of my eyes and got a sent confirmation from the fax machine. Again, the letters from VW Collections with the scratch amount included continue to harass me. I mailed the same letter to VW to the addresses below as well : XXXX XXXX XXXX, IL XXXX XXXX, IL XXXX I am acting in good faith and going the extra mile to straighten out my account with VW Credit but nothing seems to work. I only want them to credit the {$170.00} because it is incorrect. I am exhausted from trying to provide them with what they need to credit my account but nothing seems to work.
|
| 02/15/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
XX/XX/XXXX I was contacted via telephone by XXXX XXXX, Lease Retention Manager/Client Loyalty from XXXX XXXX located at, XXXX XXXX XXXX. XXXX, CA XXXX. XXXX XXXX detailed a special offer for a " Loyalty Programme '' being offered by XXXX. The offer was followed up with an email confirming my VIN number qualified and asked me to come into the dealership to see my options on a new XXXX.
XX/XX/XXXX I stopped by to hear more about the offer and to have my XXXX XXXX inspected. The offer to trade in my XXXX XXXX, as is, for a XXXX model was confirmed. I returned to the dealership Saturday XX/XX/XXXX to select a new vehicle for lease and return my XXXX model which was once again inspected by XXXX and confirmed the vehicle qualified for the Loyalty Programme, no additional fees were due. The transaction was completed that day. I requested something in writing stating the transaction was complete and no payment due other than my down payment for the new vehicle of $ XXXX.
Early XX/XX/XXXX I received a invoice from XXXX XXXX XXXX titled " Turn-In Settlement Invoice '' $ XXXX. I contacted XXXX XXXX via email however as of today, no reply. I then filed a complaint with the XXXX. XXXX XXXX, General Manager of XXXX XXXX responded with a basic form letter. His excuse was/is not acceptable therefore my complaint with XXXX is unresolved. XXXX XXXX later contacted me via telephone and left a message stating he would like to clear up this misunderstanding. I replied via SMS as I wanted any correspondence in writing. He replied suggesting this was a misunderstanding on my part. No further correspondence with XXXX XXXX sense XX/XX/XXXX when XXXX XXXX told me I misunderstood the invoice of $ XXXX. XXXX XXXX XXXX has continued to send me the invoice that I have not paid. The consumer should not be made responsible for unethical business practices. XXXX is a huge corporation, the consumer is one person who is forever being bullied....
|
| 09/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Volkswagen Credit ( also known as VW Credit and XXXX XXXX , XXXX ) advertises that they have no pre-payment penalties for early payment of principal on car loans they provide. What they do not advertise is that there is no way to self-service this pre-payment ( via an online portal or webpage ) ; in fact the ONLY way to apply a pre-payment to principal at VW Credit is by calling in to their 800 number and even then, only by speaking to a live representative. This number routinely takes over 20 minutes to reach a live representative. VW Credit has proven their disregard for American laws and regulations, and now they are materially impacting the ability to pre-pay their loans by enacting systematic and process-driven blockers in an effort to drive more interest revenue ( NOTE : prior to XX/XX/XXXX overpayments were automatically applied to principal ).
Product/Service : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Purchase Price : XXXX Payment : Partial payment made Cash Disputed Amount : XXXX Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX Salesperson : XXXX I also attempted to create a XXXX complaint and received this response : Dear XXXX XXXX : This message is in regard to your complaint submitted on XX/XX/XXXX against XXXX XXXX , XXXX Your complaint was assigned ID XXXX.
We regret to inform you that the XXXX XXXX XXXX can not process your complaint. The case has been reviewed by one of our Complaint Specialists and was found to contain issues that are out of XXXX XXXX purview.
XXXX is a private non-profit service organization that has no legal authority over companies. We do not regulate the laws for Illinois State. You may want to contact Consumer Protection, www.consumerfinance.gov.
Sincerely, Your XXXX Customer Relations Advocate XXXX Serving XXXX and XXXX Illinois P : XXXX E : XXXX XXXX
|
| 02/22/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am a federally protected consumer. Volkswagen credit and XXXX Volkswagen has violated my rights. Volkswagen Credit is a financial institution as defined under 15 U.S. Code 6827 ( 4 ) ( B ) I the consumer, have reason to believe I owe no such alleged debt ( s ) I am a natural person and original creditor in all transactions pursuant to 15 USC 1602g. I have received a statement including the subject matter of an attempt to collect an alleged debt for a vehicle. I am aware that Volkswagen Credit is a debt collector here is the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. I have proof labeled Exhibit A that Volkswagen Credit is a debt collector attempting to collect a debt. I am aware that the term debt pursuant to 15 USC 1692a ( 5 ) means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes. To allege means something is not proven. This debt has not been proven fact meaning it is not fact. I am aware that pursuant to 15 USC 1692k any violation by a debt collector is a fine up to {$1000.00}. I the natural person has proof labeled Exhibit A, and B that Volkswagen Credit has violated my federally protected rights 16 times. This means Volkswagen credit is liable to pay me {$16000.00}. Pursuant to 15 USC 1605 that a finance charge is the sum of all charges and does not include cash. I have proof labeled Exhibit C, and D that XXXX Volkswagen did in fact require cash in the transaction involving the vehicle.
|
| 03/11/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
This complaint relates to a car leased through Audi Finance. In XX/XX/2020, the car was relocated from Massachusetts to Illinois, and retitled in Illinois ( Audi Finance remained the title holder throughout ). Illinois charged a use tax at the time the car was retitled, which I paid directly to the state. In XX/XX/2020, my statement from Audi Finance included an " Other Charge '' of {$830.00}, which I paid as a result of my automatic billing arrangement with Audi Finance. When I inquired of Audi as to the basis for this charge, they said that the Illinois Department of Revenue had recalculated the use tax, and had billed Audi for the additional amount due, which Audi had paid. I then contacted the Illinois Department of Revenue, which agreed that the additional tax assessment had been in error. On XX/XX/2020, the Illinois Department of Revenue refunded to Audi {$880.00}, having concluded that not only was the additional assessment in error, but that the original assessment had also been too high. I spoke to a representative of Audi Finance on XX/XX/2020. After checking with their tax department, she confirmed that they had received the refund, and stated that it would be credited back to my account within the next 8 weeks. It has now been over seven months, and I still have not received the credit. I have called Audi Finance about this several times. Each time I have checked, I have been told by the customer service representative that they would check on the status of my refund and call me right back. I have never received a call back. Earlier this week I spoke to a representative who told me that they have no way to reach their own tax department by telephone, and must email their inquiries to the tax department, which simply does not respond. This, he explained, is why customer service does not call me back. I was also told that there was no way for me to escalate the issue within Audi Finance.
|
| 12/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
I want to see if anyone can call me back and tell where or who I can talk to regarding this company who fraudulently, wants to make me responsible when they did give authorization to run my credit I was not present on XX/XX/2018 when my mom a XXXX year woman that I told the finance man that I was not going to sign to be responsible for a car I did not like and that the sale was for my mom and the finance guy I was not going to be held responsible and the paperwork Ms. XXXX mailed me was not my signature so, I did not sign those contracts one because my name is not XXXX XXXX. I am not XXXX XXXX and they are illegal wanting me to pay a car that I did not authorized a credit check, nor did I sign the paperwork provided to me by Ms. XXXX and I did not buy a car from XXXX did my mother on the other hand did XXXX XXXX XXXX.
Ms. XXXX at XXXX I did provide income checks to finance but I did not sign no credit application and no legal binding contract saying that I would pay for a car I did not purchase, and I did not sign those papers that Ms. XXXX provided so, that was not me and is not me and I do not sign that way and I do not purchase cars or houses over the phone. I signed in person and that paper work provided is not me and not my signature and I am not responsible for a product that was illegally sold and now they want me not XXXX XXXX to pay I was not and am not XXXX XXXX. I am reporting this to credit bureau and XXXX and FTC and you guys and to United States Securities Government. Please call me or help I want this off my credit off my back I am not XXXX XXXX.
Note : I also, misspelled Ms. XXXX name on purpose to see how she feels her name being used and in a legal circumstance such as this that her name is used inappropriately and her having a XXXX surname last name that is by culture is discriminatory and it is inappropriate so, I want Ms. XXXX to stop lying.
Sincerely, XXXX XXXX XXXX
|
| 07/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On XX/XX/XXXX, I was involved in a vehicle accident that resulted in my XXXX XXXX XXXX being declared a total loss by XXXX XXXX. After the collision center at XXXX XXXX XXXX in XXXX, NC, submitted paperwork to XXXX XXXX on XX/XX/XXXX, the insurance company sent the necessary power of attorney documents to my mother, XXXX XXXX, on XX/XX/XXXX. The car loan from VW Credit is in my mother 's name due to the fact her credit score is higher than mine and she was able to secure a lower APR when we refinanced the vehicle XXXX years ago. However, the vehicle has been in my possession since XX/XX/XXXX, and I reimburse my mother for all car payments.
XXXX XXXX informed VW Credit on XX/XX/XXXX, that my mother and I had completed all necessary paperwork and had accepted the payout amount of {$5500.00} to go towards paying off the vehicle. XXXX XXXX requested VW Credit sign a letter of guarantee and send to the XXXX XXXX total loss department as soon as possible so that a check could be cut and overnighted to VW Credit.
For the past 10 days, VW Credit has sat on the letter of guarantee, refusing to sign it. In the meantime, VW Credit continues to draft my mother 's bank account for car payments on a vehicle that is currently sitting in a salvage yard. On XX/XX/XXXX, VW Credit drafted her account for {$220.00}. I have reached out to VW Credit on several occasions, but I've been given the runaround. XXXX XXXX has contacted VW Credit on a daily basis to expedite my total loss claim but VW Credit refuses to acknowledge its fiduciary responsibility and sign the letter of guarantee.
In the meantime, I am having to pay out of pocket for a rental vehicle. The current cost is approaching {$500.00}. I believe that VW Credit should do its job and close out our account, so that I may purchase a new vehicle. This is creating an undue hardship due to the fact I commute XXXX miles roundtrip to work every single day.
|
| 11/19/2017 |
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
|
|
Web |
|
|
I turned in my VW Credit leased vehicle at XXXX XXXX which took my trade in and made the remaining payments on the lease. I took pictures and videos of the condition of the car when it was turned in to XXXX XXXX. XXXX XXXX kept the vehicle at their site for over a week and then the vehicle was taken to a VW dealership to be inspected and returned to VW credit. Over a month later I received an end of lease bill from VW for several items for which I was being charged for that appeared to be inaccurate including a cracked windshield and excessive wear on one tire ( all 4 tires were purchased and installed at the same exact time ). I called VW credit to dispute the inaccuracies of these charges and informed them that I had pictures and videos of the condition that the vehicle was turned in to XXXX XXXX and that XXXX XXXX sales man who delivered the vehicle to VW dealership was also contacted and attested that the windshield was not cracked. VW told me to hold off on payment until they investigated this further and that they would call me back, it was over a month and I phoned in a couple of times to get the same response ; they would call me back. Finally after nearly two months, I called again and after much frustration on my part because of these frivolous charges, they agreed to a lower the amount of the charges and to avoid further frustrations I agreed and paid the balance in full after I was assured that my credit would not be affected and that it would all be resolved. I am now checking my credit Report and my credit worthiness has been affected greatly by this incident for which I have paid in full even when the pictures and videos of my vehicle turn in date demonstrate the inaccuracy of VW charges for a cracked windshield. Furthermore, I pride myself in making all my payments on time to all creditors and I think my credit history, including previous VW accounts, can attest for me.
|
| 03/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
Servicemember |
|
On XXXX XX/XX/XXXX my wife and I purchased a new Volkswagen XXXX XXXX from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. At the time of the purchase my wife an I purchased the GAP insurance product for {$790.00} which was added to the total amount financed for the car.
Today, XXXX XX/XX/XXXX, I went in to the dealership to request a pro-rated refund on the GAP policy as my wife an I no longer need the protection. I spoke with one of the finance managers who attempted to look the policy up on the insurance company 's ( XXXX XXXX XXXX XXXX ) website but could not locate the policy using the policy number on our GAP policy paperwork. The finance guy then called XXXX and spoke to a rep with the phone on speaker-phone. When asked why the policy wasn't coming up on the website the rep stated, " The paperwork for that policy was never submitted. '' The fincance guy then ended the call and I told him that didn't make sense as I had the policy paperwork in my hand and my purchase contract ( at home ) had the GAP policy on it. The finance guy then printed out a copy of the purchase contract from their archive system. The document he printed did not have the GAP insurance on it. He stated that my wife an I must have declined the coverage but did not have an answer when I asked him why I would have the GAP policy document signed by us and the dealer rep if we had declined the policy.
I left and went home and looked at my paperwork. The GAP policy is listed on our purchase contract, which by the way is the real and legitimate paperwork.
What has, obviously, happened is that someone at the dealership created a fake sales contract which omitted the GAP insurance and filed that contract in their system, never submitted the paperwork to XXXX to initiate the policy, and pocketed the {$790.00} premium we paid for the GAP policy.
This is larceny and insurance fraud.
|
| 05/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I XXXX XXXX, Consumer, experienced a depressing moment in my life when On XX/XX/2022, Volkswagen Credit XXXXnc, Repossessed my vehicle unlawfully the night before a workday. Volkswagen Credit Inc. allowed a third party to retrieve my vehicle without my permission for them to disclose my personal information to a third party without a contract in place between myself and the third party. On XX/XX/2022, Volkswagen Credit Inc. received a request for information letter from myself sent certified mail return receipt for the following information ( proof that Volkswagen Credit Inc. repossessed my vehicle in accordance with the law : " I demand proof that the repossession of the subject vehicle was legal in accordance with the following U.C.C : 9-506. Effect of errors or omissions XXXX XXXX XXXX. Notification before disposition of collateral- KRS XXXX XXXX. Timeliness of notification before disposition of collateral- KRS XXXX XXXX. Contents and forms of notification before disposition of collateral- KRS XXXX XXXX. Explanation of Calculation of Surplus or Deficiency- KRS XXXX I am also requesting a statement of accounting pursuant to U.C.C 9-210. '' I am patiently waiting for Volkswagen Credit Inc. to respond to my request. The 14 day window that they had to provide me with the information was up today XX/XX/2022. I have yet to receive the requested information from Volkswagen Credit. They also furnished to my consumer credit report our transaction history which is a violation of 15 U.S. Code 1681a. This was an Unlawful repossession has caused me mental anguish, XXXX, character, and mode of living. Volkswagen Credit Inc, has violated my rights as a consumer.
amount reported on consumer report : {$18000.00} amount financed on " installment contract '' ( consumer credit transaction ) : XXXX finance charge on " installment contract '' ( consumer credit transaction ) : {$6400.00}
|
| 06/22/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
I have leased a vehicle in good faith from XXXX using XXXX XXXX XXXX.
In XX/XX/2017 I acquired financial difficulties. In order to resolve those, I am working on reducing the cost of vehicle leasing.
When I attempted to make the changes to my XXXX lease, I encountered unfair, deceptive, or abusive acts or practices on behalf of the XXXX XXXX : I can not obtain a transparent PAYOFF amount for my lease, like I have with my XXXX, whereas I log on to the website sign in to my account, and see it openly.
With XXXX, I cant access that information on my secure XXXX Account, where I make payments etc. There is a statement that claims I have to go to the dealership to obtain the payoff. Instead I called, and got an outrageous number by which the original price of the vehicle would be ten to fifteen thousand dollars above the actual price. So I requested in writing an explanation from XXXX XXXX. They responded to my letter with a phone call, stating that in the State of Florida they can not disclose .... blah blah blah ... That is totally illogical, as I am the one in debt, and need to know my numbers.
I am fighting XXXX for over two weeks, with calls and letters that get me nowhere.
Also, as I attempted to transfer my lease with one of the online companies, I learned that XXXX does not allow me to transfer in the last 12 months, ( I have 11 remaining ) which makes it brutal.
So : I can not sell my vehicle to XXXX or XXXX since the " Payoff '' I received is illogical ( shy of {$36000.00} while the XXXX XXXX value is in the {$29000.00} 's ) and seems arbitrary but no explanation of how XXXX reaches that number, while in an advertisement, XXXX offers me to take off all of the upside down number with discounts and bonuses, if I can get " hooked '' on another VWXXXX product.
I am being subject of non transparent, abusive and unfair practices and wish to raise my voice.
|
| 09/13/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XX/XX/XXXX, I leased an XXXX XXXX. I knew that my first payment would be {$480.00}, and that is the amount I paid on XX/XX/XXXX. Shortly after that, I received a " welcome '' packet from Audi Financial with a booklet that states " your account information has arrived. '' In the booklet, there is a page that clearly states the monthly payment amount is {$440.00}. There are no monthly statements sent, only this booklet at the beginning of the lease. This is the amount I have been paying every month starting in XX/XX/XXXX. At no point has Audi contacted me to say this amount was incorrect. Today, XXXX XXXX, XXXX, I received a letter from Audi Financial saying my account is past due in the amount of {$270.00} - this includes {$230.00} in past due lease payments plus {$37.00} in late charges.
I called Audi Financial to speak with someone. The person explained the amount I am supposed to pay is on the contract I signed. This is one page of MANY that I signed that day, and I distinctly remember being told the actual monthly payment amount might change - wait to get the account statement/booklet. He then explained that after 10 days, a late charge is applied to the account ; after 29 days, it's reported to the credit bureaus. I am not clear why I was not told anything about this until XXXX, if they've known I've been paying the incorrect amount since XXXX.
I understand I have been paying the incorrect amount and will certainly pay what I owe on this account. However, I now have a much better understanding of why I was turned down for a personal loan earlier this year. I had no idea Audi had reported me to the credit bureaus without telling me there was a problem. Had they notified me earlier, I could have corrected this earlier.
I think Audi 's leasing practices are deliberately deceptive or completely incompetent. If I could turn the car in tomorrow, I would.
|
| 02/01/2022 |
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
|
|
Web |
|
|
I held a lease with Audi Financial XXXX VW Credit and the lease was cut short six months early because of a vehicle accident in which the XXXX XXXX was totaled. Instead of acting fairly with me in the event of this accident, the company did not offer me to get a vehicle swap after the accident ( despite that being part of my lease ), nor did it give back a car payment made one day before the accident date at a prorated amount. It kept the entire payment on the grounds that it was my contractual obligation to pay them even without use of the car. The company offered no legal reason for keeping that car payment. It also kept more than {$10000.00} in overage fees paid by my insurance carrier, despite a clause in the vehicle lease that states I would be entitled to the overage payment in the event of a total loss. The company said they are the owners of the car and therefore get to benefit from any overage, so they in essence profited from my accident. The company 's own salespeople were shocked by this treatment.
In addition, the company said that it could not take my bank off its autopayment service, so I would have to keep making payments for the car even though it was paid off in full for the car by my insurance carrier. Instead, it referred me to its web site to stop the autopayment function. Yet it's web site did not work and there was no way to unhook from its financial autopayments on the site. A woman at Audi Financial said she would mail me a form to get off autopayment and that form took two weeks to arrive ( past the date of the next scheduled payment for a car I no longer used ), so the company is doing everything in its power to keep cashing checks instead of looking out for its customers. When I asked for a number to complain to the company, a representative gave me a special number. When I called, there was a XXXX hour wait to reach a human.
|
| 11/07/2017 |
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
|
|
Web |
Older American |
|
2. Ive leased three or four black VW Jettas through VW Credit over the last 12 or so years. The most recent vehicle is a XXXX Jetta, the lease on which ended XXXX XXXX
3. Over the summer the dealership representative made multiple calls each week urging me to get out of the lease early and take on a new lease with lower monthly payments. Each time he called, the number was a little lower.
4. I was reluctant to lease a VW again because of a serious problem with the fuel pump that caused the vehicle to stop dead on the XXXX XXXX at rush hour. It had previously shut down, but not in such a dangerous situation. I asked the dealership to check it ; they claimed no problem.
5. The dealership representative was the one who mentioned the fuel pump problem and said that VW was keeping it quiet. A friend had a similar situation with a shutdown on XXXX XXXX.
6. Over the course of dealership representatives calls, I neither made the monthly payments nor did I open VW envelopes because I normally pay the same amount directly from my bank. I dont take calls from 800 numbers, so I had no warning when VW seized the car XX/XX/XXXX. No reason for not making payments, I simply didnt think about it.
7. I offered to pay the outstanding lease amount ( and an excise tax bill for the vehicle ) which totaled {$1200.00} and change.
8. XXXX of the VW Credit Active Resolution Team ( XXXX ) informed me XX/XX/XXXX that because the end of the lease was so close, I am obliged to pay {$15000.00} ( plus compensation for other expenses ) in order to retrieve the car.
9. It doesnt strike me as remotely reasonable to pay close to {$30000.00} to acquire a three-year old Jetta with a serious problem for that amount. That amount includes the cash I already have into the car.
10. In the meantime, my credit has been destroyed.
If you need other documentation, please let me know.
|
| 05/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
Hello, My name is XXXX XXXX. I have an auto loan with Audi Financial Services that I opened on XX/XX/XXXX. It's a 60 month loan, I've made XXXX payments so far, and the monthly payment is {$340.00}. The last four digits of the account is XXXX.
The payments were setup to automatically debit my checking account at XXXX Bank every month on the 2nd day of the month. The checking account last 4 numbers was XXXX.
On Monday XX/XX/XXXX we noticed there were some unauthorized debits to our checking account and we decided to close the account and open a new one. The new checking account ended in XXXX.
On the same day I went onto the Audi Financial web site and cancelled the auto pay from checking acct. XXXX to avoid getting some sort of penalty for nonpayment since I knew my payment was due XX/XX/XXXX and I knew the account would be closed. I then set up a new auto pay with AudXXXX attached to my new checking account, XXXX. I was told the new auto pay would not be active for the XX/XX/XXXX payment but would kick in for the XX/XX/XXXX payment. So within the Audi website I made a one time payment from the XXXX checking for the XX/XX/XXXX payment. I have documentation attached proving all of this.
On Monday XX/XX/XXXX a payment for {$340.00} was deducted from the old checking XXXX account, and also an additional payment of {$340.00} was deducted from the new checking XXXX account!!! The there was no money in the XXXX account so we were charged a NSF. We transferred money from our savings to the XXXX account to cover the payment.
So apparently we made a payment for XX/XX/XXXX, and a payment for XX/XX/XXXX which was not supposed to happen. The Audi web site says my next payment is due XX/XX/XXXX.
I'm upset because I performed my due diligence to avoid a problem and they did not do their due diligence. I didn't want to make 2 payments.
So, thank you very much.
|
| 09/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, My name is XXXX XXXX. I have fallen victim, through no fault of my own, to the XXXX breach, and several other personal information breaches over the past decade. Resulting from this, there was an auto loan, or lease that was opened by an identity thief with Volkswagen Credit, using my credentials, and social security number, and defaulted upon. I have done everything in my power, since learning of the theft, more than a year ago, to get the creditor, Volkswagen Credit, to remove the fraudulently opened account from credit reporting. I have filed a report with the FTC, and also with my local police station, XXXX Police, here in XXXX, Massachusetts. I work at XXXX XXXX XXXX, in the XXXX XXXX sector, and the financial ramifications of this fraudulent credit reporting has destroyed not only my credit, but my ability to attain another job in the financial services sector. Further, I am an XXXX XXXX at XXXX College, pursuing an XXXX degree, and am unable to take out a federal student loan, as a result of this fraudulent reporting.
The only information that shows up on my credit report about the fraudulently opened account is that it ends in XXXX, and the account status is listed as " CHARGE-OFF '', amount {$10000.00}, contact information is listed as, " VW CREDIT XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX ''. I have attempted to call that phone number, and it is not a working number.
Please help me, I beg you. I have tried everything. I am happy to provide the police report to yourself and FTC report filed. This has gone far enough, I can not obtain financing to pay my student bill as a result. I can be reached on my mobile phone at ( XXXX ) XXXX, or via e-mail, at XXXX. If I miss your call, please leave a message.
Thank you ever so much for your assistance, and attention to this very important, and pressing matter, XXXX XXXX XXXX ( XXXX ) XXXX
|
| 05/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I signed for this loan on my vehicle on XX/XX/XXXX in the amount of {$56000.00}. The final payment on the loan was made on XX/XX/XXXX. At that time, the company provided an estimate of mailing of the title within 10 business days. As of XX/XX/XXXX, I have not received the title. The company 's website now states : " If youve recently paid off your account and havent received your title yet We are currently experiencing a delay with releasing some vehicle titles. We're so sorrywe know how frustrating and stressful this is.
It goes without saying that this issue is our top priority. We will provide updates here as we have more information. When it comes to your satisfaction, you deserve better. We're grateful for your patience.
For immediate questions surrounding your title, view our FAQs.
If you have an urgent matter, the best way to reach us is through the Help Center. '' I contacted the company on XX/XX/XXXX to obtain an estimate on the date I would receive this title.
The response on XX/XX/XXXX was : " Thank you for contacting Audi Financial Services. We sincerely apologize for the delay and appreciate your patience.
We are currently experiencing delays and are unfortunately unable to provide an accurate title processing time. We understand how frustrating this is and apologize for the inconvenience this has caused. We are working diligently to get these titles processed as efficiently as possible and are grateful for your patience.
If we can be of further assistance, please do not hesitate to contact us through Message Center or call our Experience Management Department at XXXX. The answers to many common questions and a number of self-service resources are available 24 hours a day, 7 days a week through the online portal. '' I have not received any notification of the reason for the delay or the estimated date of resolution.
|
| 03/09/2023 |
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
|
|
Web |
|
|
I purchased my car through Audi Financial Services [ AFS ] at the end of my 36 month lease. I followed instructions as provided to me. I mailed a check for {$30000.00} which was cashed and posted to my account on XX/XX/XXXXXXXX. I also provided a {$15.00} check for overnight mail of my title. At the end of XXXX, I contacted a representative at AFS and she said she would mail me the proper paperwork to complete the transaction- the odometer reading with signatures. Although I had updated my mailing address with AFS, they sent it to the my old address- an address I had not lived at for over a year. I had been receiving monthly bills from AFS at my new address for over a year. They put the old address in the odometer paperwork so I then I had to request new paperwork because I was told DMV would not accept it with a new address written-in. In XX/XX/XXXXXXXX, AFS sent me new paperwork to my new address that was different and completely incorrect. I had to contact AFS and point out the err ; they agreed it was a mistake and sent me new paperwork. Once again, the new paperwork was wrong again. Finally, at the end of XXXX the proper paperwork was filed with the odometer reading. On XX/XX/XXXX, AFS told me it would be 2-3 weeks until I received my title in the mail. XXXX weeks passed and I did not receive the title. I contacted them again on XX/XX/XXXX to ask where my title was. They again told me that it would be ANOTHER 2-3 more weeks. I still don't have the title two weeks later. I paid for this car on XXXX XXXX, XXXX. I followed every instruction I was provided promptly and efficiently. As a consumer, this puts me in bad situation. I have spent tens of hours of my time trying to resolve mistakes made by AFS. I have waited months to receive a title I paid for three months ago. I will never do financing through AFS again. Terrible experience.
|
| 01/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
On my credit reports with XXXX, XXXX, and XXXX is a repossession from Volkswagen Credit , Inc. with a deficiency balance of {$2000.00}.
I previously disputed this account information in XXXX 2015 with all XXXX credit reporting agencies and Volkswagen Credit , Inc. verified the accuracy of the account with all XXXX credit reporting agencies.
I then sent letters directly to Volkswagen Credit , Inc. to attempt to resolve this matter. It should be noted that each credit bureau lists a different contact address for Volkswagen Credit , Inc. which obviously complicates the resolution process. Of the XXXX letters sent, XXXX was returned to me by the USPS as an invalid address ( which is a violation of the FCRA for a creditor to fail to provide proper contact information in a credit report ) and the other XXXX letters were ignored. These letters were sent Certified Mail, Return Receipt and I received confirmation of delivery for the ones delivered.
A subsequent follow-up letter was also ignored.
On XXXX XXXX, 2015 I sent Volkswagen Credit , Inc. another letter, to their Collections/Recovery/Credit Reporting department in XXXX, XXXX. In that letter, I reminded them of their obligations : Under the laws of the State of XXXX, the Uniform Commercial Code, and State RISA and MVISA statutes : A deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
I requested such documentation be provided within 14 days, as is my right.
As no such documentation was received by me within the allowed time-frame, the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
|
| 08/16/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Audi Financial Services ( AFS ) has repeatedly attempted to collect a debt that is not owed. I leased a vehicle with them in XX/XX/XXXX and returned it in excellent condition in XX/XX/XXXX. No payments were missed and all fees had been paid.
In XXXX, I was notified by XXXX XXXX XXXX that they were attempting to collect a debt owed to Audi Financial Services in the amount of {$810.00} in association with the leased vehicle. When I requested a bill showing the owed amount from AFS, I received a bill showing the amount of {$1000.00} being owed, with NO explanation of what it was for.
Several conversations took place with XXXX XXXX XXXX in order to determine the source of the debt. On 3 separate occasions, I was told 3 different reasons for the charge. 1. Excessive wear and tear at time of turn-in. 2. Disposition fee. 3. Personal property tax owed.
I requested a complete ledger from AFS via XXXX XXXX XXXX, which I was provided ( see attached ). The ledger covers dates from XX/XX/XXXX through XX/XX/XXXX reflecting total charges of {$33000.00} along with payments of {$33000.00}, leaving a XXXX XXXX through XX/XX/XXXX. Clearly, there should have been a balance on the ledger if there was anything owed. I indicated this to XXXX XXXX XXXX and they ceased communication.
Just yesterday, on a letter dated XX/XX/XXXX, I received another debt collection letter from a new company, XXXX XXXX XXXX XXXX, in an attempt to collect {$810.00} on behalf of Audi Financial Services.
At this point, I have dealt with this via numerous phone calls and have proven that there is nothing owed on this account, yet I continue to receive more letters and phone calls. I feel as though I am being harassed and have tried everything to get them to stop. This car was turned in over 5 years ago, in excellent condition, and with NO BALANCE DUE!
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| 03/18/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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We financed a XXXX Volkswagen XXXX which became part of the VW Diesel scandal. We opted to return the vehicle and receive the compensation that was offered. As part of the terms of settlement, our loan was to be paid off directly with the remainder of settlement funds paid directly to us. We turned in our vehicle on XX/XX/2017, and within 3 days ( as per the settlement terms ) received a direct deposit of the funds owed us beyond the financed amount. We were informed that the loan would be paid off AS OF THE XX/XX/XXXX, the date we turned in the vehicle. We were also informed that overpayment would be sent to us directly from VW Credit. In early XX/XX/XXXX, we received a letter from VW Credit indicating a payoff date of XX/XX/XXXX. It is now XX/XX/XXXX, and we have yet to receive our check for overpayment. We had sent correspondence directly to VW Credit and informed that it could take several more weeks to receive our overpayment. Clearly, if we were several weeks overdue in making a loan payment, we would be subject to interest and late fees. The delay in receiving the refund of overpayment seems unreasonable. VW Credit has had our funds ( and those of thousands of other settlement participants ) and has benefitted from the delay in refunding overpayment to us. Our demand is as follows : 1. Payoff date to be modified to reflect a XX/XX/2017 payoff - the same date that we turned in the vehicle and no longer had use for it.
2. Immediate payment of our reimbursement to include interest and late fees ( as would be calculated by VW Credit if our payment was late ) back dated to XX/XX/2017.
3. An investigation into the delay and whether in the aggregate the withholding of prompt payment and failure to use the settlement date as date of loan payoff has inured to the benefit of VW Credit and against consumers.
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| 04/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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On XX/XX/XXXX we had purchased XXXX XXXX XXXX and myself XXXX and XXXX XXXX XXXX V wagon XXXX XXXX XXXX XXXX volts wagon did not go through and give me the paperwork at the time and when financing was being done my credit score was XXXX. My ex fianc was XXXX I do not have any source of income or any job, they asked me XXXX XXXX the sales person at Volkswagen of XXXX Indiana if I had a job and I said no and he said we will make it work, so XXXX XXXX XXXX was the cosigner. We went into the financial room, was led onto tactics of paint jobs extra charges that was not needed and so we both declined anything they did not give us any financial work, but had to sign papers. I was not aware of Predatory Lending and this is what has happened. I contacted volts wagon for, a copy of the financial records that we were not given the time of the sale after we left with the Volkswagen I am very disturbed that my credit score has dropped and that this is a part of Predatory Lending. I did return the XXXX to volts wagon, but I would like my credit score to be back where it was since this is illegal. I am very concerned that I was taken advantage of this is not right to do to someone and I was not told what was going on when I went to return the XXXX XXXX XXXX XXXX is going to put it into his name or his business name supposedly and he had a negative balance on his trade-in of a XXXX that I was unaware about of XXXX dollars when I return the XXXX XXXX had gotten smart with me and also lied and said that I filled out paperwork for a job which I did not because I do not have a job, I would like my credit score back to XXXX and my name removed off this. I had to actually text and call volts wagon several times to even get the financial paperwork that was signed off on because they did not give it to us the day of the sale.
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681.
Account Name : Volkswagen Credit Account XXXX XXXX 15 U.S.C 1681 section 602 A. States i 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.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S.C 1681 A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
This company and account have been going against my rights and violation as a consumer under the fair credit reporting act this is unconstitutional. I have rights and Volkswagen Credit has violated them all they sold my information to a third party reporting agencies without consent and I am being harassed and denied by banks and extension of credit for this detrimental and defamation of character being falsely reported to my credit report I ask that this account be investigated and corrected please send me a report with updated information
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| 09/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
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Web |
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I Purchased a NEW XXXX XXXX XXXX XXXX with a sunroof and Navigation. Not only do I have the recall for the XXXX XXXX XXXX with no remedy on my car I have XXXX other life threatening recalls with no remedy. When the other recalls were brought to our attention, I knew I was driving an unsafe car that may kill my family. Volkswagen has admitted to circumventing the emissions control system in the United States since XXXX. With their deceptive and fraudulent business practices Volkswagen knowingly sold me a car that was equipped with the illegal defected devices and locked me into a contract under false pretenses. They also deceptively sold me my New XXXX XXXX XXXX With Navigation and XXXX that I used for a down payment on the New XXXX XXXX. The XXXX XXXX also was affected by the recall for the XXXX XXXX XXXX. I put {$15000.00} down on the XXXX. In addition, Volkswagen carried out a cynical fraud on car-buying, by aggressively marketing the non-compliant diesel engines as the product of environmentally-friendly XXXX advanced technology, " XXXX XXXX ''. Volkswagen has admitted that they knew about the XXXX issue before I even bought my car. They have deceived my family and have put us all in danger with no remedy.
I have contacted the Volkswagen Court Settlement hot line, Volkswagen Credit , & Volkswagen Customer Care. When calling no one was able to give me any kind of answer. Had no idea how what or when will anything ever be done for any of the recalls. The Volkswagen Court Settlement hot line was quick to tell me about the loan forgiveness program they have in place. When I asked them if it were a true " loan forgiveness '' why am I paying off the loan? VW gets my car, all the money I put into both my cars and a clear and free title & then I have nothing. Not one person knew what to say.
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| 04/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
|
This loan was fully paid off on XX/XX/23, under a re-finance agreement with XXXX XXXX XXXX XXXX ( NFCU ), and as of today ( XX/XX/23 ) VW Credit has not released the vehicle title to myself or XXXX.
I spoke with VW Credit on or about XX/XX/23 to confirm receipt of the payoff amount and to inquire about the title. At that time they indicated it would take 2 to 4 weeks and the title would be mailed directly to XXXX.
I spoke with VW credit again on or about XX/XX/23 and was told it was " in processing '' and would be mailed directly to XXXX within the next two weeks.
I was informed today by XXXX that they have still not received the title from VW Credit. I called VW Credit again. They now they blame a " vendor change '' for creating a " backlog '' of title requests. They can not provide me any timeframe for when I can expect the title to be released. They now say the customer service representatives from the prior phone calls should not have offered me any timeframe because of this " vendor change. '' XXXX has a policy requiring receipt of the vehicle title within three months of loan origination, which in this case was XX/XX/23, the delay between that and the payoff date being attributable to time-in-mailing. If the title is not received by the end of this three month window the loan will be converted to an unsecured product at a significantly higher interest rate.
I have shared this fact with VW Credit and they still refuse to expedite my title or provide a timeframe for when we can expect it to be sent. XXXX XXXX 's policy is not unreasonable, XXXX months should be sufficient time for the title to be released and mailed to them.
I am deeply concerned that through no fault of my own or XXXX 's I am going to be left on the hook for thousands of dollars in additional interest.
|
| 10/19/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Confusing or misleading advertising
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Web |
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My name is XXXX XXXX. Last year XXXX XXXX, XXXX I purchased a lease from XXXX of XXXX, FL. I was asked by the cars salesman to pay him cash for my car payment so he could give me a discount. The cars salesman named XXXX XXXX, pocketed the money I was giving for my car payment. I paid him every month. I have text messages between him and myself of me giving him payment as proof. He never paid the car payment until XXXX XXXX. The reason why he paid it was because a repo man came to my job and tried to reposes the car. He paid the back payments from XXXX to bring me back up to date. He took another {$460.00} from me and never paid the car payment. I called VW and they fired him because of this. I am now behind my payments again because he took that {$460.00} from ( ( which is all on record via text ). I am now trapped in a XXXX year lease for a car payment of {$440.00}. I was promised by the salesman after a year of the lease I could bring the car back in and swap it out for a newer lease or to buy a new car. I only did this to bring my credit up. My credit is now XXXX. I am stuck in a car payment that is so high I am working a second full time job to make up for the car payment. VW will not help me get out of the lease or bring the car payment down. I 've spoken to VW credit and I 've spoken to the XXXX ( XXXX XXXX XXXX at VW of XXXX, where the incident happened. I ca n't afford a lawyer and I am really trying to seek some justice. I want to be put back into a more affordable car. I am so unhappy with the way VW handled this situation. I am a single person asking for help. They are a XXXX dollar company that can afford to help me out in this situation. Please contact me so we can figure out how to come to a resolution. Please XXXX XXXX XXXX reference number XXXX Thanks, XXXX XXXX XXXX
|
| 07/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, Audi announced that they are deferring auto loans for 3 months for COVID relief. I contacted Audi to request the 3-month deferment. I spoke to Customer Service Rep, XXXX XXXX, on XX/XX/XXXX and requested the COVID relief deferment.
It was granted.
This month, XX/XX/XXXX, XXXX rescibded on theyre official agreement to me and others and changed the terms of the deferred agreement. Audi is saying that they promised me a deferment for 1 month which is not true. They granted me 3 months COVID deferment along with many others. This is an outrage and the most inhuman thing a financial company can do to a citizen of the United States. This is fraud and Audi Financial Services should be fined heavenly.
To prove it. I complained to Audis Customer Service rep, XXXX ID # XXXX, on XX/XX/XXXX. Then Audi sends me the attracted letter dated XX/XX/XXXX that they are only giving me a deferment for 1 month. Because Audi knows what they did is illegal, they suddenly generated a letter after I complained to protect themselves. This should be reported to the FCC for unfair business practices. ( PLEASE SEE ATTACHMENTS ) Audi granted approval of my Car loan payments and deferred it for 3 months to XX/XX/XXXX, due to COVID relief however now theyre saying now I owe them now and theyre changing their minds. This is an so unfair, immoral and illegal. That is why I am reporting this to you Consumer protection bureau so you can hold them accountable for fraud and trying to swindle customers because Audi financial is singling me out and trying to take back the deferment that they granted me. This is unfair. You cant pick and choose certain people to defer for 3 months and than treat me different and take back my deferment. Id like someone from the CFPB to call me in regards to this.
|
| 02/05/2022 |
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
|
|
Web |
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I returned a leased vehicle to Volkswagon ( VW ) Credit in XX/XX/XXXX. In XX/XX/XXXX, I received a tax bill from VW Credit for that leased car in the amount of {$1100.00}. The county said the whole-year bill was {$790.00}, which VW Credit paid . Volkswagon did not provide my county with a return date, as theyd presumably planned to bill me for the whole year + several hundred dollars. Note : I paid end-of-lease fees separately ; this bill was solely for county taxes. When I provided my county with proof of when the leased vehicle was returned ( which I obtained from XXXX ), my county sent a refund to VW Credit in the amount of {$590.00} ( {$330.00} and {$250.00} ) around XX/XX/XXXX, having satisfied the actual tax bill of {$200.00}. VW Credit cashed the checks for {$590.00} on XXXX XX/XX/XXXX. I sent my check of {$200.00} to VW Credit to satisfy the tax bill and reimburse VW Credit on XX/XX/XXXX, and as requested, the check was sent to XXXX XXXX XXXX XXXX XXXX. VW Credit has repeatedly sent me bills for ( varying amounts, but more recently ) {$310.00}. VW Credit has been completely unresponsive as I have attempted to remedy this matter with them. After repeated attempts to contact them, and after receiving several bills, I sent a cease and desist letter, and they continue to send bills. I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX which they completely ignored, and they continue to send bills. I emailed VW Credit through the XXXX site, and they did not respond. I do not owe VW Credit any money, and want them to acknowledge my payment for the tax bill, and that I do not owe them any money.
VW Credit has an XXXX rating with the XXXX and I was not even ABLE to file a complaint through the XXXX website -- the site would not submit the form.
|
| 07/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I traded my VW Beetle in for a VW Passet on XX/XX/XXXX. XXXX told me that they would pay the last two remaining payments on the VW Beetle. I received a bill in XX/XX/XXXX for the VW Beetle. I called VW Credit and XXXX. They told me not to worry that they were handling it and that it would n't show up as a late payment on my credit report. I then received another bill from VW Credit in XX/XX/XXXX. This time I drove down to the dealership ( XXXX ) and spoke with accounting. I also called VW Credit. I was told that they were n't sure what happened, but apparently they had some type of accounting error. I was again reassured that my credit would n't be affected. My wife checked my credit report and saw that VW Credit did in fact report a late payment for XX/XX/XXXX and XX/XX/XXXX to XXXX as well as XXXX. I drove directly to the dealership and was told they would handle it. Finally, after two months ( XX/XX/XXXX ) they cut me a check, in which I turned around and paid VW Credit that very minute. I called VW Credit three different times speaking with XXXX and then again a XXXX requesting a letter showing the mistake made on their part and requesting that they notify the credit reporting agencies correcting and removing the two late payments. I finally received a letter from VW Credit on XX/XX/XXXX stating they would do so. My credit report still shows the two lates payments for XXXX and XXXX. These two late payments need to be corrected and show paid on time. Not to mention they also showed the VW Beetle on my credit report as if I still owned it for those two months when it had already been resold to someone else. This has adversely made my Fico score plummet all because of an accounting error?!! I kept being reassured that my credit would n't be affected.
|
| 12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Account number XXXX Account status Open Date opened XX/XX/2021 Account type Auto Loan Paid Off : 2 % Balance on XX/XX/2021 Loan Amount {$89000.00} {$92000.00} Payment Info Status Current, was past due 30 days Status date XX/XX/2021 Past due amount - Original loan amount {$92000.00} Monthly payment {$1400.00} Late payments XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - - - - - - XXXX On Time My family has been afflicted with XXXX several times. I still managed to make my payments. VW posted my payment late but I paid before the 30th day.
XXXX XXXX credit card was paid off, then posted interest of XXXX dollars and did not notify me and this was after the card was closed.
XXXX is completely paid in full and I never received any bill or notification that my bill was due.
XXXX also reported late inaccurately even though I notified them that I was quarantined with XXXX.
XXXX XXXXXXXX report of a late is inaccurate. I paid before the 30th day.
XXXX did not update my report on my XXXXXXXX XXXX account to reflect a XXXX balance after I paid in full before XXXX report. Also report of payment is missing for XXXX, XXXX and XXXX, all paid on time!
I disputed the late payments on my prior student loans because I was displaced during a federally declared disaster. Still not updated.
During the months I had XXXX and when my family did as well we were quarantine so I could not do anything until I was well enough to talk and go to my bank.
XXXX ; XXXX reported late payment. Payment wasnt late and XXXX XXXX updated. Please see XXXX for accurate information.
As Americans navigate this declared disaster none as Covid 19 it just seems reasonable to grant some grace to consumers who are earnest. Ive been sure to pay all my bills.
|
| 05/01/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
On Wednesday XX/XX/XXXX, I went to the XXXX XXXX dealership with a family member who informed me that he had spoken to a sales representative who informed him that they were able to do six-month leases for situations where a co-signer was needed. I want to strongly state that I was opposed to being a co-signer for this person, what made me change my mind was what took place at the dealership. I later learned that this sales person was a friend of the family member and that the six-month lease deal was a ploy they used to convince me to co-sign for him. When I hesitated about signing the lease, the sales person told me that he had bad credit and that a family member had co-signed for him and within six-months his credit had improved and his co-signer was able to get out of the loan. I finally signed the agreement and a month later the family member started defaulting. ( I recently learned on this CFPB site that the creditor VW credit was supposed to provide me a separate notice about co-signing which they did not ).
I contacted VW Credit to try to find a solution about the tactic used to have me sign on to this loan but instead of offering a solution they also participated in unfair and deceptive practices. On XX/XX/XXXX, I learned that they extended the term of the lease without obtaining my consent or signature on XXXX different occasions on XX/XX/XXXX and XX/XX/XXXX. Without my permission they extended the lease from terminating in XX/XX/XXXX to XX/XX/XXXX based on the co-applicants requests without informing me. The co-applicant turned in the car in XXXX of XXXX now I'm being asked to pay {$13000.00} in a XXXX XXXX invoice. My credit is ruined, it was XXXX on XX/XX/XXXX now it's in the low XXXX and now I have this debt that I can not pay.
|
| 07/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I purchase a car in XXXX. I provided documents that I never receive my contract from the dealership until after the first payment was due, I reach out to the finance company reach is Audi to confirm is they my new company and I was told on several time I do not have an account with them. When I finally made contact with the finance company. I had the Advocate from Audi financial on the phone and we both realize that Audi financial had my address incorrectly in their system. On XX/XX/XXXX of 2022. I was told that says my address was wrong with the system they would not charge me any lea fees or report delinquents to my credit bureau and get the information updated. Ive been trying to rectify the situation for the last several months I received a call from manager that told me that they were not correct my credit reporting system the dealership were not meant to the fault. Even though the finance company admit that they had the wrong address in the system did not make any communication to me for the last several months prior to my first payment due date. This is very unprofessional I really do not want to do business with them my credit score has dropped very bad according to my credit reporting it states that I did not make a payment in XXXX I was never late in XXXX I made a payment on XX/XX/XXXX and I reported that to the credit reporting agent and provided proof that I made a payment. I have made several attempts with the credit reporting XXXX XXXX and XXXX XXXX with the proof of payment and they still have not updated my credit reporting has never been late. Im following a formal complaint against XXXX XXXX XXXX Audi financial and XXXX and XXXX for not doing do diligence when it comes to my financial well-being on my credit reporting.
|
| 09/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Older American, Servicemember |
|
I am contacting you with a complaint of unfair business practices and discrimination against VW Credit.
I am scheduled to XXXX to XXXX as a XXXX XXXX XXXX XXXX employee with the XXXX XXXX on XX/XX/XXXX under military orders.
VW Credit wont authorize me to ship my car which is ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Hawaii License # XXXX with the following XXXX # XXXX According to VW Credit the only vehicle owners authorized to ship their POV are XXXX XXXX military. As an XXXX XXXX Veteran with ( 4 ) XXXX XXXX, I feel highly discriminated against. I have tried to refinance my vehicle and found the following issues : 1. XXXX will not ship to XXXX 2. XXXX XXXX XXXX denied my loan request 3. I can not use XXXX XXXX 4. I can not sell the vehicle as the balance on the car is more than the car is worth. I bought the vehicle in XXXX XXXX from XXXX XXXX. The dealership can not help me in this situation.
5. Due to the car being upside down, it is almost impossible to sell the car to a private individual.
6. At this short period of time, it looks like I must surrender the vehicle to the dealership I purchased it with and that becomes a repo. This will affect my career with the federal government and my secret security clearance status.
7. I have contacted a law firm and was told to contact your company regarding this issue.
I am appalled that after several attempts to reason with VW Credit, they refuse to help resolve this issue. My XXXX XXXX is the second XXXX I have had with VW Credit. I can no longer trust VW Credit as a veteran friendly company, not only for me, but other veterans, federal government civilian employees in the same predicament. Is there anything you can do on my behalf?
XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX
|
| 02/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I sent in a payment for 50 % of my outstanding balance ( {$9300.00} ) in XX/XX/XXXXof XX/XX/XXXX because I noticed that my credit score with XXXX had gone down significantly, and the reason given was slow reduction in my loan balances ( I had just taken the loan out when I bought the car used, with 50 % cash down, in XX/XX/XXXX, and only had a 36 month payment plan ). But I know that, while the CFPB has decided not to investigate XX/XX/XXXX, they and the other credit bureaus are like the XX/XX/XXXX. So I addressed the issue by sending Volkswagen Credit USA a check for {$9300.00}.
What VW Credit did was to slowly apply this against my future payments for the next 15 months, rather than applying it to my balance without ever asking me what I prefer. Now, I concede that I could have noticed that I was not getting autopay withdrawals anymore. But frankly, I scan my accounts for things that should NOT be there, not things that SHOULD be there.
I think that given the way almost any other loan I have experienced in my life, it would be a very reasonable assumption that the check I send would be applied against my balance. It was not, although the funds were removed immediately from my account. Thus, VW Credit US had full us of my funds for a year, while I did not AND continued to charge me 5.24 % interest for the privilege of them holding my cash.
I have spoken to a supervisor there, and the " best '' they can do is to apply a {$50.00} credit towards my account ( I had to specifically ask them to apply it to my principle. They were unable to do more because they " did not make an error. I could have told them how I wanted it applied ''. My calculations show that this has cost me approximately {$340.00} in interest over charges.
|
| 04/04/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My VW Credit auto loan for my XXXX was paid in full as part of the VW diesel scandal buyback program. My car was turned into a dealership on XXXX XXXX. I was told to expect a refund in the amount of approximately {$450.00} XXXX ( the difference between the amount of the buyback and what I owed on the loan ). After not receiving the refund, I contacted VW on approximately XXXX. I learned the amount I would be refunded changed to approximately ~ {$200.00}. I questioned the amount, and was told by the agent that VW actually owed me a few dollars more than the initial check was written for. The agent told me a check for the additional amount would be issued. She also offered to reissue a check for the amount of the missing check, or I could wait a few more days. I opted to wait a few more days. At that time I informed VW that I had recently moved and provided my new address. Still having not received my refund, I called VW today XXXX. I spoke with XXXX different agents. All who told me I was owed different amounts ... ~ {$450.00}, XXXX {$400.00}, XXXX {$200.00} AND that they can not reissue the check because I have to wait 30 days. I 'm frustrated because they supposedly sent a check for the incorrect amount and I have to wait longer for them to reissue a check for the correct amount. I have no idea how long it will take to receive the new check once they reissue it because I ca n't seem to get a straight, consistent answer from VW. Given their reputation of taking advantage of consumers, I believe they should be working to improve their reputation not give us more of a run around. I wasted ~90 minutes of my time today attempting to get the money that is owed to me, or at least a consistent answer about the amount owed to me.
|
| 05/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
My automobile loan payments to VW Credit were set up to be drawn automatically from my bank account. The final payment was due on Monday, XX/XX/2022, so I logged in to my loan account that day to confirm that it had been paid. It had not been withdrawn yet, so I waited until the next day and tried again. On the day after the payment was due, my account login information didn't work. I called VW Credit and was informed that when the account was paid in full, they disabled my account access. This is idiotic and infuriating, but didn't seem worth filing a complaint.
Then they sent me an email to inform me that they had sent me a secure email that I could read only by logging into my account. I thought this meant they had realized their error and reinstated my account, but my account login still didn't work. I called the company and they admitted that my account is closed and that there is no way for me to access my payment information or the secure message they sent me.
After paying VW Credit promptly for 5 years, they have locked me out of any access to my payment history. If they failed to report my payments accurately to the credit bureaus, I will have no way to obtain the records I need to correct my credit report or gather payment information for my personal financial records. Not only is this policy absurd and annoying, it leaves customers without access to their personal financial records.
In my calls to VW Credit, I already informed them that I will never purchase another VW if this is an indication of how little they value their customers, but this is an abusive credit practice that really ought to be changed. Perhaps the CFPB can explain that to them in monosyllabic terms that even VW Credit can understand.
|
| 06/15/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
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Web |
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In XXXX, I lease an XXXX XXXX and the financing for the lease was through XXXX XXXX XXXX. In XX/XX/XXXX, I traded-in the XXXX and started a new lease for a XXXX XXXX XXXX. The paperwork was finalized and I owed nothing on the lease and only owed my first month payment at signing. The paperwork was finalized and XXXX XXXX XXXX took back the XXXX XXXX XXXX. The first week of XX/XX/XXXX, I received a notice that my XXXX XXXX payment was late. This car had been purchased back by XXXX XXXX XXXX several weeks earlier in exchange for my new lease XXXX XXXX. I tell XXXX XXXX XXXX the situation and they state that XXXX XXXX XXXX in XXXX Texas has not sent them the payoff. They have had the car for about a month at this point and I have no possession and have traded it back to them via all paperwork that was signed XX/XX/XXXX when XXXX XXXX was purchased. XXXX XXXX XXXX in XXXX Texas tells me that they are backed up getting the payoff information to XXXX XXXX XXXX. I ask them if this will be reported to the Credit Bureaus. I can not get a confirmation that this will not be reported to the bureaus since I do not own the car any longer and XXXX XXXX XXXX is slow to get the payoff to XXXX XXXX I continue to get late notices from XXXX XXXX XXXX even though I have told them XXXX XXXX XXXX has possession of the vehicle and I traded it back to them with the purchase of my new vehicle. I am now in the process of trying to figure out if the late payments have been reported to the Credit Bureaus and to dispute the information if necessary. Due to XXXX XXXX XXXX 's negligence my credit history my be at risk. This is an issue that others considering lease financing and working with XXXX XXXX XXXX XXXX need to be aware of in the future.
|
| 02/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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I bought a car and signed a loan with VW Credit at the end of XX/XX/XXXX. The term of the loan was 60 months. I planned on paying off a large chunk of it right away to reduce principal, and make larger than normal payments to get the entire thing paid off in a couple of years. I had the finance person at the dealership verify that this was acceptable to the terms of the loan and he told me all I had to do was go online and submit a large payment through their portal ( https : //www.vwcredit.com/Authentication/Login ).
I did this, and thought that was all I needed to do. After making several more large {$1000.00} payments in the next few months, around XX/XX/XXXX I realized something was off with my bills. Every month it said {$0.00} owed and the next payment wasn't due until XX/XX/XXXX! What's going on? After some investigation, it looked like XXXX was taking my money and putting it in some hidden account I don't have access to, and paying my regular monthly payment into it ... So I have thousands of my own dollars that can't be applied to principal and can't be withdrawn or used. I called XXXX support in XX/XX/XXXX, again in XX/XX/XXXX, and again in XX/XX/XXXX. All 3 times they said they would fix it for me. On one occasion they told me they would call me back the next day just to make sure I was okay with the result. I never received a call.
I just received my most recent bill and nothing has been changed. At this point I'm going to have thousands of dollars of extra interest.
None of the payments I have made have gone to principal. They have all gone to some phantom account I don't have access to. Despite the terms of the loan agreement *and* the finance manager at the dealership telling me otherwise.
|
| 01/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I purchased this vehicle in XXXX of XXXX this is the second time my vehicle has been in the shop. I have driven this vehicle under XXXX miles since date of purchase. I use this vehicle to and from work where I commute with my XXXXXXXX XXXX. On XX/XX/XXXX the car shut down again, I've also had to XXXX next to everywhere for weeks, that is until XXXX XXXX I was called to finally get loaner vehicle. Audi XXXX XXXX sent a tow company for my vehicle on XX/XX/XXXX, a week later I got to find out my vehicle was still in the tow yard cause Audi XXXX was closed when trying to deliver my vehicle. I was given a call a week after delivery to be told there is a part that needs to be ordered and I can come a loaner had to take an XXXX to XXXX to get this loaner. Got a call last week that said the part was going to be probably in the shop around XXXX. This is now me going on a 2 months and a half without my vehicle. I went into Audi XXXX on XX/XX/XXXX and was told that the generator that was ordered came for my vehicle but now there is a fuel pump that need to be replaced due to a recall. on XX/XX/XXXX I got a call from Audi stating that they have the part and my car would be repaired which was the recalled fuel pump. I got another call stating there was a recommended service to be done on my car on XX/XX/XXXX. Then I got a text on XX/XX/XXXX stating that the engine light came on while performing the recommended cleaning and that I had to have the fuel pump replace again. I was refused a trade in, offered {$7200.00} in cash or trade in and I am requesting the full amount I have paid for this vehicle which XXXX XXXX is refusing to do. They sold me a car that is defective. I have paid {$48000.00} so far of my loan.
|
| 12/08/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
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Web |
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I was nearing the end of my first vehicle lease and went to XXXX XXXX XXXX to discuss my lease end options. The car had some obvious cosmetic damages that I pointed out to the sales representative. After speaking with the sales representative, he assured me that leasing another vehicle was my best option in order to avoid having to pay for excess wear and tear on the previous vehicle, so that 's what I did. 4 months into my new lease I got a bill from VW credit for all of the damages on the old car, over $ XXXX. I was sure that there as some mistake and went to the dealership. While there we reviewed my contract together and the lease termination was processed as a turn in, instead of a trade in, thus leaving me financially responsible for both cars. They denied ever telling me that I would n't have to pay for the damage on the car and since leaving there I have been unable to get a hold of the XXXX, they have been incredible non-responsive. I have filed a complaint through VW, the debt is now with collections and I do n't have the money to pay it. For someone without money for a down payment, or to buy the old car, it would make XXXX fiscal sense for me to lease a new car. The option that I thought that I was taking was the only way for me to pay nothing out of pocket. VW offered to make my final payments on my old car, and my first payment on my new car, and nothing down. It was the only way for me to not spend any money in the transition. At the least, I would have had the car inspected and opted to fix it myself through a certified mechanic friend before returning it to VW because it is common knowledge that the most expensive repairs are through the dealership. All of this was in XXXX of 2014.
|
| 11/27/2020 |
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
|
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Web |
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In XXXX I leased a XXXX from XXXX XXXX in XXXX, Indiana. In XXXX I secured a new job in another state and moved. In XXXX of XXXX I secured a loan to purchase the XXXX that I was leasing. During the loan process Volkswagen mistakenly paid the sales taxes to the wrong state ( Indiana ). As a result, the bank was not able to register the car in the right state ( Pennsylvania ). The bank officer working on the loan and title transfer and myself have reached out to Volkswagen numerous times over the last 11 months and asked them to produce and send an affidavit verifying that the sales taxes were paid to the state of Indiana so that the car could be registered and have the title released and switched over to my name. To date Volkswagen has not produced the affidavit, released the title or done anything that has resolved the issue. XXXX, the Volkswagen representative assigned to the case does not return phone calls to XXXX XXXX the loan officer. Because the car is unregistered and I do not have a garage to store it in where I live the car was recently impounded by the police and collects fees everyday. It will be auctioned and I will have to pay the loan payments for the car regardless of if it is sold at auction. The police department will not release the car without proof of registration and the bank can not register the car without the title or the affidavit. I am at my wits end and do not know what to do to resolve this issue.
Desired Outcome Volkswagen must produce and send an affidavit verifying it paid taxes to the state of Indiana to the bank loan officer, release the title so the car can be registered, pay the impoundment and towing fees and correct any problems associated with this issue.
|
| 03/02/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
leased a XXXX VW jetta and several months later was victim of Hurricane XXXX and made to evacuate my home located XXXX XXXX XXXX XXXX XXXX. My spouse and I traveled to XXXX and made a total of six tries to return to our townhouse to view damages, we were not allowed. I informed VW at sometime during the chaos of our dilemma and was informed that the company was aware of the disaster and not to worry just take care of myself and family. It was brought to my attention my VW in XXXX that the lease was ending and that there would be additional costs reverberating to the end of the lease I informed VW that I could not afford further monies due to a XXXX in XXXX that prevented me from working. We agreed that to return the car to VW would be in both our " best '' interest and thus with a " heavy '' heart I returned the vehicle in XXXX of XXXX. I recieved a letter dated XXXX XXXX, XXXX ( Over three years later ) stating that I owed {$10.00}, XXXX. I called and was informed that this was due to mileage, wear and tear on the vehicle. I informed her about the conversation that transpired in XXXX during Hurricane XXXX evacuation as well as the lease was a " four-year '' term and it concurred " normal '' wear and tear! The agent sent me to XXXX other people because there were absolutely " no '' records besides " payment arrangements '' on my records! It is ludicrous to charge me such an " outrageous '' amount sent to XXXX XXXX in the amount of {$19000.00} ( high balance ) that is " double '' the price of the vehicle. VW received ( in payment ) an approximate amount of {$18000.00} throughout the lease. I do not believe that I should be listed in the credit bureau for a charge off of {$12000.00}!
|
| 04/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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|
On XX/XX/XXXX, without notice, a violent Volkswagen credit XXXXXXXX entered my home, attacked my children, and stole my XXXX XXXX. At this time, my family was facing XXXX retaliation which I shared with VW Credit as well. Also, I always said I would pay for everything that I owe to VW. Moreover, VW Credit XXXX attacked and stole my car when XXXX and XXXX retaliation case was going on in the federal government.
XX/XX/XXXX : Without notice, a violent VW credit XXXX entered my home, attacked my children, and stole my car away. I also called the police.
Volkswagen cheated me and sold me an emission car ( XXXX XXXX )? I have an emission recall statement, VW credit stole my car on XX/XX/XXXX. Then, after depreciating the car for six long months, VW credit claimed that it had sold the stolen car. Based on what happened on XX/XX/XXXX, everyone says it is stolen.
XX/XX/XXXX : I wrote a letter to XXXX XXXX XXXXXXXX asking for the explanation on why they attacked my children and stole my car. I have not received any response to my questions from VW Credit yet.
XX/XX/XXXX : I get a bill from XXXX XXXX, a collection agency demanding me to pay {$6100.00} for the automotive deficiency.
On XX/XX/XXXX, without notice, a violent Volkswagen credit XXXX entered my home, attacked my children, and stole my car away. After six months, they sold my car and now asking me to pay {$6100.00}.
VW Credit does not respond to me. VW Credit is using their influence and covering up their crimes. I want my car and compensation for my losses.
Sincerely, XXXX XXXX P.S. There is no option for a lender stealing a car and attacking children in the form, so I selected repossession as the option.
|
| 06/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
Servicemember |
|
I am writing to object to the transfer of my vehicle 's title, a XXXX, XXXX XXXX, color : silver VIN # XXXX, from my name to another individual or entity.
Rights as the consumer/ applicant as stated in FDIC rules and regulations, that I extend my credit to the XXXX XXXX and they violated my right under the Bill of Exchange ACT, TILA, and Sherman ACT. 15 USC 1692 ( f ), 15 USC 6802 ( b ) Identity Theft, Theft, was done by and forwarded my info to XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX which they stole my property On XX/XX/XXXX As the owner of the vehicle, I entered into a contract with XXXX located at XXXX XXXX XXXX, XXXX XXXX, Ga XXXX on XX/XX/XXXX. However, I would like to remind you that I never consented to take my collateral/car. Furthermore, you never gave me full disclosure of my contract and you never gave true value and consideration when I signed my note.
The contract specifically states that I am the legal owner of the vehicle and that the title is in my name. Additionally, I would like to remind you that a UCC lien creditor interest does not supersede an ownership interest. Therefore, any attempt to transfer the title without my explicit consent would be a violation of my legal rights and could result in legal action.
I strongly object to any transfer of title that does not involve my explicit consent. I request that you take immediate action to ensure that the title is not transferred without my consent and that my vehicle is returned to my possession within the next 10 days. Failure to do so will result in legal action.
Please keep me informed of any developments regarding this matter.
Thank you for your prompt attention to this matter.
|
| 12/02/2018 |
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
|
|
Web |
Servicemember |
|
I leased a vehicle from XXXX and due to Servicemembers Civil Relief Act I requested a early lease termination. The request was subsequently approved on XX/XX/XXXX by VW Credit.
After receiving notification of the approval, I closely followed the instructions for surrendering the vehicle. The turn in procedures went successfully and there were no problems however I contacted them several times about the Capitalized Cost Reduction reimbursement and on several occasions they denied my request stating that there are would be no refunds as no security deposit. During the purchase I placed a cash downpayment of {$3300.00} on XX/XX/XXXX as evidenced in the closed end motor vehicle lease paperwork.
Based on my research and past federal district court rulings has ruled that the cash capitalized cost reduction ( CCR ) payment allegedly made by a military servicemember upon signing his auto lease was refundable under the Servicemembers Civil Relief Act ( SCRA ).
The SCRA allows a lessee called to active military duty to terminate an auto lease without incurring an early termination charge and requires the lessor to refund any lease amounts paid in advance for a period after the effective date of the termination of the lease. VW Credit has not and will not refund my CCR payment and the failure to refund a prorated portion of this cash CCR payment is a violation of the SCRA.
I believe that the cash CCR payment was a lease amount that he paid in advance, for the full period of the lease, that had the net effect of [ a ] prorata reduction or prepayment of a portion of each future month [ s ] payment.
I appreciate any assistance you can provide on this matter.
|
| 10/09/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On Friday, XX/XX/2018 I reached out to XXXX XXXX to request a quote on the 2018 XXXX XXXX. I was going to be leasing it with my mother. After reviewing my income, they decided that they couldn't lease me a car. That's fine, we parted ways and I moved on with my day. Later, I got a notification from all three credit bureaus that a hard inquiry has been placed on my accounts by XXXX XXXX via XXXX. I never authorized the use of my social. I tried contacting them but to no avail - I've left countless messages and e-mails for the finance manager who has never gotten back to me. On XX/XX/2018 I got ANOTHER email stating that ANOTHER inquiry had been placed on my social with all three credit bureaus by XXXX XXXX via XXXX. I did not authorize this, nor did I speak to anyone. Once I was rejected on XXXX it was case closed. Additionally, my mother, who they did not speak to, and did not need to verify her info until we were to be signing documents ( which didn't happen ) had her social run TWICE as well on all three credit bureaus. THEY HAD ABSOLUTELY NO RIGHT to run my social the first time, let alone A SECOND TIME after they refused to lease me a car and especially had no business running my mothers information once they refused to lease me a car. I've tried reaching out to them countless times and they just keep telling me no one is available to speak to me, or they take a message and never get back to me. These need to be removed IMMEDIATELY from my accounts as well as my mothers accounts. We do not have any outstanding debts with them, we did not lease a car from them and we did not sign any paperwork authorizing the use of ourinformation - not once or twice.
|
| 07/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am a 6 year, 2 car lease customer of XXXX.Despite logging in to pay my XX/XX/XXXX bill, the payment did not post ( 1st time in 6 years ) .Emailed President of XXXX . A " special IT investigation " was launched to see if there is any evidence of logging into pay XX/XX/XXXX payment as the VW Financial Agent " XXXX '' said that if they see I logged in on the day I said that would show intent and that would substantiate that I tried to pay my bill. They called me and said the report shows I did login like I said I did. However, the report coincidentally stopped short of providing what they deemed necessary to show " intent ''. They said the report shows I logged in on the same day I have for XXXX past 6 years. However, they didn't release anymore info and closed the case. I requested a copy of the " IT Investigation '' report. They then stopped returning my calls. I feel not only are they hiding information needed to clear report, but they are also retaliating for a prior lawsuit I had with them in which I prevailed. My credit has seriously suffered due to this incident. I want to subpoena the reports and clear this false late payment.
Based on their logic they are saying the following : I did in fact login as I said I did on the same day I have for 6 years prior to pay my bill. However, this time I intentionally decided to not pay my bill after logging in, ruin my long standing perfect line of credit with them, and logout.
This is ludicrous. I now can't purchase a home as I intended this year, a new car since my 2nd XXXX is up in a couple months, etc etc. This is not right and I want this false report removed from my account.
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I reviewed my Consumer Reports and noticed that I had a XXXX day late payment posted for VW credit, and that they reported this XXXX day late payment fraudulently, inaccurately, and unfairly. As you can see from the attached screenshot, the Date of Last activity shows XX/XX/XXXX, and my account was NOT XXXX days late on this date. I also called them on XX/XX/XXXX, and I have their company representative stating on their recorded line that they post XXXX day late payments BEFORE the account hits XXXX days past due. This is fraud, and it is inaccurate and unfair reporting, which is a direct violation of the FCRA! This inaccuracy on my report has ruined my life and now I can't purchase a home because of this inaccurate reporting when I had perfect credit before this! They must provide this recorded call as evidence that their representative stated that they post XXXX day late payments before the XXXX days because this is what they actually did on my credit report. VW Credit must also prove that my account was NOT XXXX days past due on XX/XX/XXXX, which is the Date of Last Activity by the company.
I'm extremely concerned that VW Credit will not fix this because they had a XXXX XXXX XXXX back in XXXX where they were at fault for fraudulent and inaccurate reporting that they did not investigate and/or correct.
Overall, they fraudulently, inaccurately, and unfairly reported my account as XXXX past due BEFORE it was XXXX days past due!! This must be fixed and disciplinary action should be taken against VW Credit.
Also, they are reporting the " date opened '' inaccurately. Please see screenshot provided.
|
| 04/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
Volkswagon bought back my XXXX due to the emission scandal on XX/XX/2017 and I was told that they would be paying off my loan to the VW Finance Division within 5 days and that I would be receiving a check for {$1200.00} within 3 days from the buyback appointment. As of today, XX/XX/2017 the check has still not been issued to VW Finance and I gave them the physical address when I called them last week to find out the status and I also asked for a letter stating that I am no longer in possession of the vehicle and needed something stating that the loan has been taken over by VW or i have a XXXX balance so that I can purchase another vehicle and refinance my house. They have told me that they could n't do this and that I need to continue making payments on a vehicle that they have had for almost 3 weeks. The class action lawsuit states that they should have paid off the loan within 5 days of the buyback appointment. According to the representative I am speaking with right now as I file this complaint, there still has not been a checked issued to VW Finance and again I did provide them the physical address for VW Finance. I 've called the claims number over 20 times for other issues pertaining to the VW Scandal and they have been unable to solve the issue. I am currently speaking to XXXX a supervisor in the XXXX claims center. She stated that she did n't have an employee number that i could have and just refer to her as a supervisor in XXXX claims center. So far 35 minutes in my phone call nothing has been accomplished regarding the issues but I learned how to be more patient when been tossed around on hold.
|
| 10/03/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
Volkswagen credit sent me a {$0.00} balance statement from my payoff of my lease XX/XX/XXXX. In that statement in shows that all Residual Value, Fees, Taxes, Scheduled Payments, Rent Charges are included and they gave me a payoff amount of {$26000.00}. I remitted that amount and they sent me my title.
XX/XX/XXXX or XX/XX/XXXX VW Credit started sending letters asking for an additional {$540.00} for property tax that they say they paid XXXX. I provided the documentation of the final billing statement and the title that was issued and asked for some documentation of the property taxes. I especially pointed out that if they are claiming that the property taxes were paid XX/XX/XXXX, they certainly should have been on the statement that I received on XX/XX/XXXX or shown as possible charges on that statement. VW Credit has refused to provide any documentation showing an error whereby they did n't include the taxes, nor have they provided any documentation that they actually paid the tax. When I go to the City of XXXX to see the documents I ca n't get access to everything because I was n't the owner of the car when that bill was allegedly paid. So, I have nothing to go on. Further, when I have shared this with VW Credit, they have twice threatened to send me to a collections agency if I do n't pay their demand for {$540.00} - even though they refuse now to provide any documentation of the bill.
I feel I am being harassed and threatened and according to XXXX at VW Credit ( ext. XXXX ) there are a bunch of consumers who are being harassed in the same way without documentation of taxes paid.
|
| 11/05/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am writing to report multiple violations that Volkswagen is committing against myself and that are affecting me in a huge way. This company is reporting a wrong payment history on my account. I have never been late. They are committing UNFAIR BUSINESS PRACTICES.
I must say that I tried to solve this big issue with them. I sent them a dispute letter demanding the proper investigation as that the law requires and the account is not being investigated at all. THEY DIDNT EVEN REMARKED THE ACCOUNT AS DISPUTED which is another violation under the Fair Credit Reporting Act. They just ignored my request and didnt do anything about it. My rights are not worth at all for this company.
When the late payments were reported, I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL as the law requires. They are being NEGLIGENT and UNFAIR, and this is affecting me mentally and physically. I had to go to the hospital because I was not feeling good at all, and they say that I have a high level of stress. This situation is just overwhelming for me.
I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with the interests I want. If Volkswagen refuses to provide letter of deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law for all the violations committed. Thanks to whomever reads my complaint.
Account : VOLKSWAGEN CREDIT INC Account Number XXXX. Date Opened XX/XX/2018.
- Please see attached letter sent to Volkswagen and the proof of fax.
|
| 07/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My daughter purchased a XXXX XXXX earlier this month. I co-signed on the loan with VW Credit. Today, XX/XX/XXXX, i received the first payment invoice, which VW credit gave a due date of XX/XX/XXXX. They also advised, on the invoice, that i should allow for 5-7 days for mailing to ensure payment is delivered by the due date.
I called VW Credit, spending over 30 minutes on hold, to request a reasonable amount of time. They told me i would have 10 days after the due date ( so, XX/XX/XXXX ) to submit a payment. Given the intervening weekend, and giving allowance to the 5-7 days i was advised, this payment would have to be mailed by this Friday, XX/XX/XXXX.
VW Credit ( XXXX XXXX XXXXl ) stated that if we made payment within 10 days, we wouldnt be charged a late fee. I requested that they provide that assurance in writing instead of just verbally, they refused, and then stated that they couldnt. They said i should have known that the payment was due on XX/XX/XXXX, as it was in the contract. While this may be true, they did not provide the means for which to make a payment until i received this payment invoice today.
XXXX continued to tell me everything was in the contract, but abjectly refused to listen or cooperate. I was never disputing what was in the contract, but the unfair and deceptive execution by VW Credit of its obligations under the contract to provide us the means to make timely payments in accordance with the contract without incurring fees ( late fees ) or damages ( credit reporting ). When asked for written assurance, they refused any written assurance.
|
| 09/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I financed my car through Volkswagen credit in XXXX in XXXX County Georgia. I am XXXX XXXX military and when I attempted to register my Vehicle in Texas ( new duty station ) I was told I needed a copy of my title.
I contacted Volkswagen credit in XXXX requesting a copy of my title for registration. They told me that the title was a digital copy and would take 20 business days to process. I called back on the XXXX ( XXXX ) business day for an update. They told me that there was a hold on my account in Georgia that needed to be removed and that it would now take another 20 business days to receive the title. I called again on the XXXX business ( XXXX ) for an update. They stated that they had not requested the title to be sent yet and it would take another 20 business days. I called again on the XXXX business day ( XXXX ) and still no one has any idea where the title is. I confirmed with the Georgia DMV that they sent it to Volkswagen credit XXXX XX/XX/XXXX. I have called VW credit every week since asking for an update and am either hung up on, told they will call me back ( they never do ), or asked to give them more time.
Additionally, as previously stated I am XXXX XXXX military and just XXXX XXXX from XXXX to XXXX State. I was told I can not close out my travel voucher ( est. {$4000.00} in reimbursement ) until I am able to register my car ( which has been unregistered for months now ).
Bottom line, I just need help. I have waited 4 months and spent at least 16 hours on the phone to get a copy of this title ... all just to register my vehicle. Please help.
|
| 12/09/2019 |
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
- Investigation took more than 30 days
|
|
Web |
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My husband and I bought a new car in XX/XX/XXXX and we were forced to file chapter XXXX bankruptcy shortly afterwards. This loan along with my mortgage were not included in the bankruptcy and were direct pay loans. My bankruptcy discharged in XX/XX/XXXX. Thereafter, I waited approximately 45 days for my mortgage and vehicle loan to start reporting again. I had to call both companies, and Volkswagen credit refused to speak with me even though my BK was completed and all payments were current with them. Soon after I contacted my attorney to address the issue with not reporting correctly. Volkswagen then reported my account was closed to all credit bureaus as discharged when in fact the loan was outside of the BK, open, active and current. I disputed the account closed with all three credit bureaus, XXXX, XXXX and XXXX to no avail. My attorney went back and forth with Volkswagen for 6 months and I got involved again. I contacted their credit department and when I received a call back they informed they forgot to send my title. I again told them I was still paying on the loan and I just wanted them to report it correctly to the credit bureaus and was told again that they would do that and it would take 60 days. I have now paid my vehicle in full and it still shows this account was closed over a year ago with all three bureaus and would like to get this resolved and updated to reflect this loan was in fact paid timely on a monthly basis, starting in XX/XX/XXXX after the discharge, the loan was paid in full and no longer erroneously show discharged in bankruptcy.
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| 10/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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In accordance with the fair credit reporting act XXXX account # XXXX for Volkswagen credit inc, has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on my account that is CURRENT right now under an open and consumer credit plan as late for whatever purpose.
I have been going through immense financial hardship due to my son being diagnosed with XXXX and not having any help so my car was reposted. I got 2 months assistance for XXXX and XXXX for Volkswagen credit and they said okay no problem this will report as current on your report, no it is not!! Showing Im 2 months late, again!! They will not remove the repossession off my credit even asking them to dispute it. I am a single mother trying to fix my credit and they are charging me all these crazy fees even after I spoke to someone saying if I got my account current they would removed the late payments with me. When my son was diagnosed I had a choice - either to give him all the therapy he needed to help him strive and quit my job to do that or keep my job and have my son not get the help he needed. This was a legitimate financial hardship and they are tearing my credit apart and violating my privacy rights all of my credit with all of these reporting like I said, the representative told me would be removed after said account was up to date and still is reporting at late. Please help
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| 09/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I had an account with VW which was paid off by the Dealer in XX/XX/XXXX-XX/XX/XXXX. I had to include it in Bankruptcy because the account was still open with all 3 credit reporting agencies.
I have consistently tried to remove the late notice in XX/XX/XXXX because at the time I did not have the vehicle since it was traded in at XXXX XXXX in XXXX Fl.
I contacted XXXX over the phone because they do not allow me to dispute online as is my right. They have me blocked. I told them the account was never late.
As a result XXXX updated the account as a charge off on XX/XX/XXXX in error. I tried calling them and explained I had no lates for about 4 years and they told me the score dropped because of XXXX charge off. This was false information. The report dropped because they updated the report to show VW Credit as charged off in XX/XX/XXXX making my credit score drop 24 points as well as my credit rating from Good to Fair for being late .1 years - IN ERROR. I could not dispute online. THis caused my denial of credit. I can not wait 30 days for them to fix their grave mistake. The account has no activity since XXXX. Yet, their ineptness added it as a recent negative which made my score drop 24 pts. This is in addition with their taking the XXXX account and counting it as 6 accounts late rather than 1 account in their scoring model.
They investigated both the XXXX and VW incorrectly and now I am being penalized. I also am complaining against VW Credit US for attempting to re-age the debt on the account that has been closed without activity for almost 4 yrs.
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| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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On XX/XX/2019 I entered into a contract with Volkswagen Credit for a loan of 72 months. The original amount was {$27000.00} with an interest rate of XXXX percent. The payments were first due on the 1st of each month beginning with the month of XXXX of 2019. XXXX 's interest charge should have been {$65.00} of which is 16 days from the XXXX of XXXX until the XXXX of XXXX of 2019 multiplied by XXXX of which is the result of XXXX x 5.4 % which equaled XXXX and then was divided by XXXX. This should have brought up my balance to {$27000.00}. Then from the XXXX of XXXX until the XXXX of XXXX would have been 27 days. XXXX XXXX % = XXXX then/ by XXXX = XXXX and then multiplied by XXXX = {$110.00} then plus XXXX = {$27000.00}. A payment of {$450.00} was made of which should have brought my balance down to {$27000.00}. The amortization statement says the balance was {$27000.00} BUT the billing statement says that my balance was {$27000.00} - apparently as of the XXXX of XXXX of 2019. So, I multiplied {$27000.00} by 5.4 % which equaled XXXX and then divided it by XXXX which equaled XXXX and multiplied by XXXX which represented the days of XX/XX/XXXX until XX/XX/XXXX of 2019 and the answer was {$40.00}. {$27000.00} + {$40.00} = {$27000.00}. This is a difference of {$3.00} of which was added to what I owed. It apparently appears that I was originally overcharged {$3.00} during the first month of which could have a serious impact on interest charges due to an incorrect balance- of which the wrong balance would have been reported to the credit reporting agencies.
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| 03/28/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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Web |
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On XX/XX/XXXX I leased a XX/XX/XXXX diesel Volkswagen from XXXX Volkswagen dealership in XXXX, New Jersey. I chose the car because it was advertised as " clean diesel '' which turned out to be lie. In XX/XX/XXXX, the court approved Volkswagen terms to compensate the owners as well as those who are leasing. I decided to end my lease as per the agreement approved by the court. The car was returned to XXXX Volkswagen dealership on XX/XX/XXXX. My last payment was made on XX/XX/XXXX, which was for the month of XX/XX/XXXX. I also received a check from Volkswagen as per the court agreement to compensate early termination lessee. To my surprise, I continued to receive payment statement from Volkswagen. I reached out to them on XX/XX/XXXX and spoke to XXXX who then transferred me to a representative by the name of XXXX. I informed both of them that my transaction was completed and gave provided the claim number that shows that I returned the car. On XX/XX/XXXX, I reached out to the company again because I received a notice that threatened to report the late payment to credit bureaus. I explained to them this must be a joke because I made all necessary payments and the car was returned to them. The representative and the manager whose name is XXXX said they were going to look into it. Once again, I continued to receive payment statements and Notice of Default and right to Cure New Jersey. This is bullying tactics by a company who is attempting to victimize and defraud me twice. They are attempting to ruin my credit because I chose an early lease termination.
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| 10/22/2022 |
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
- Problem with personal statement of dispute
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Web |
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Initially purchased a vehicle from the XXXX XXXX XX/XX/XXXX and on day one configured the automatic payment on this account. ALL Payments had been made automatically and no issues were ever reported on the account. XX/XX/XXXX I changed my banking institution and updated the payment information on their XXXX XXXX, received a confirmation email indicating that changes had been submitted. 31 days later I received a call from their " Collections '' department indicating I was 2 months past due and that the account needed to be brought current. A couple hours later after arriving home I logged into the portal and confirmed what had been stated on the phone call and proceeded to manually process the payment and bring the account to good standing. I reached back out to their support team and explained what had happened and how this change must not have stored on their system when the changes were processed, I provided information about the changes and advised to send a letter explaining the issue. I proceeded to send a certified letter with all the detailed information ( All attached ) and how a system glitch caused the issue, I provided screenshots of several errors received while using their portal. I have received several letters back indicating that information provided does not suffice the removal request. They have made it impossible to communicate with them over the phone since this department only communicates via Fax or Letters. Every single reply received has been generic and with no intention to resolve this issue.
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| 03/10/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I bought my lease out at the end of the 3 year term in XX/XX/XXXX. I maintained perfect payment history the entire term of lease. I purchased the car from Volkswagen Credit through my credit union. Everything was done over phone and email between me and VW Credit. At the time of purchase, VW credit charged me the cost of the vehicle only. The total cost did not include state tax & title transfer fee. I was told that I needed to handle that on my own. I took care of the state tax, plates, title transfer through my Secretary of State DMV. Last XX/XX/XXXX, I received an invoice from VW credit stating that I owed Lease turn in fees. {$1000.00} charge. How is that possible when I purchased the vehicle? When I spoke with a rep from VW credit, he told me the charge was for state taxes plus late fees. I paid the taxes to the people that were owed - the state of Illinois. The rep asked me to upload proof of payment to their website. I do so. He called me back the next day asking my to create and sign a document granting permission for the money I paid to the state of IL be transferred to VW credit. He told me that the state charged them for my taxes and they paid it. I asked him to send me the document from the state of IL saying this was owed. He said he could not do that. I asked for anything he could send. He said he would email me documentation from VW. He did not. I never heard anything about it until XX/XX/XXXX when a collection agency called me. They said I owe VW Credit {$1000.00}. I do not owe one dime to anyone.
|
| 06/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX .16 - VW reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with VW Group of America.
XX/XX/XXXX .16 XXXX reports FICO score dropped XXXX points same day as VW 30 day late report hit the bureau.
XX/XX/XXXX .16 XXXX Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX .16 XXXX XXXX XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX 16 XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have.
Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof.
Please help me. I do n't have money to go and hire a credit lawyer or anything like that.
I have statements from VW showing that my account is in good standing and that it is paid off but they will not update my report.
How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?
|
| 02/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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The incident took place around XXXX of XXXX. I had 2 successful previous loans with this company VW Credit. This was my third loan on a XXXX car. I had been paying on this 4.5 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hit hard by Covid-19. I had to apply for state assistance. I looked for other jobs, but only found very part time work at the time. I was making payments each month, but fell behind. I had made a partial payment to them 2 weeks only prior to the incident. I was given no letter, no notice, no correspondence that they were going to do this. 2 days later, a very kind friend lent me the money {$1100.00} to get the car back. The amount was for added fees and interest. I did so, and turned around and traded the car in for another one with a different lending company. I would not continue to do business with a company such as this. Oh yes, and the repossession letter from them came finally, 2 months later! I have a witness to that. Shame on VW Credit! Treating a former, good, loyal customer like this! Not even working with me on a solution to this. Doing this during Covid-19 when possible protections were in place to help protect against this. They displayed unethical and unfair business practices during a global pandemic crisis of epic proportions. They should be fined and reported for this! They also reported the repossession on my credit and refuse to remove it. It will not come off until 7 years from now. I have been scarred financially, ethically, and emotionally from this terrible event.
|
| 05/09/2023 |
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
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Web |
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This is regarding the final invoice for my XXXX XXXX XXXX XXXX leased from XX/XX/XXXX to XX/XX/XXXX. Leased out by Volkswagen ( VW ) financial.
I have a copy of a work order from the XXXX XXXX ( Nevada ) service department that shows that I brought the vehicle in for repairs XX/XX/XXXX and the car was not repairable till the end of my lease in XX/XX/XXXX. I have basically had no use of the car despite having made payments on it for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had no idea that I had to do a formal turn in of a vehicle that was already at the dealership in a non-functional state. I assumed that they would have contacted XXXX XXXX to ground the vehicle at the expiration of the lease on XX/XX/XXXX. As soon as I learned that I needed to contact VW financial myself rather than the dealership, I did so on XX/XX/XXXX.
I contacted VW customer service on the phone, and they recommended that I email the customer service for the financial department a document showing that the vehicle was in fact at the dealership through the end of the lease and not in use. I sent them that document and an email explaining the circumstances to them about 10 days ago and resent it 2 more times in the past week without any response.
My request to VW is update the amount I owe after removal of the excess past maturity fees ( approximately {$900.00} ) and the late fees ( approximately {$50.00} ) since I was not even using the car past the lease date.
Thank you.
Sincerely XXXX XXXX and XXXX XXXX
|
| 09/05/2017 |
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
|
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Web |
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I turned in my XXXX XXXX XXXX 3 months early, XX/XX/XXXX, due to the diesel emissions scandal. In addition this new lease vehicle had numerous mechanical problems including parking break failure. VW has let me down.
In XX/XX/XXXX I paid off the entire lease in advance. I had also overpaid an approximate amount of {$850.00}. I have had a {$0.00} balance and surplus since that time. The surplus amount was refunded to me earlier this year. My balance on recorded continued to be {$0.00} through XX/XX/XXXX.
When I moved to cancel the lease, the XXXX XXXX XXXX made it very clear that any lease payment refunds are only handled by VW Credit -- the 2 operate separately. I did n't receive a refund check from VW Credit and called on XX/XX/XXXX inquiring about the lease overpayment refund of {$1000.00}. I was told it takes up to 21 days to process. It 's XX/XX/XXXX and still no check. My VW Credit account online now says I must call to see any balance. I called XXXX and was told they did n't know anything about my balance and to call XXXX, then i was told to call XXXX and then XXXX ext XXXX. I was also told the XXXX XXXX XXXX handles this. No one knows what happened to my overpayment. Each person I 've spoken to has told me a different story. It 's infuriating. I log in to my VW credit account and all records confirming this payment history and overpayment have been removed by VW. My original lease ended XX/XX/XXXX so I am due the overpayment of {$1000.00} from XX/XX/XXXX - XX/XX/XXXX. Please help me.
|
| 07/15/2021 |
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
|
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Web |
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On XX/XX/2021, I requested and received a payoff amount from Volkswagen Credit for a a XXXX XXXX I was leasing at the time. I then proceeded to trade in the XXXX and lease another vehicle at a XXXX dealership. According to the XXXX dealership, they confirmed the same payoff amount with Volkswagen Credit and sent the quoted payoff amount which was received but not applied to my account. Volkswagen Credit now claims, almost a month later, that the payoff amount received was short approximately {$6500.00} because there is a different payoff amount for consumers versus third-party buyers, in this case the XXXX dealership. However, there is not any notification or indication on the consumer website that there are different payoff quotes for a VW Credit customer and third-party buyer. The XXXX dealership and I have both made attempts over the last 2-3 weeks to contact and discuss the situation with Volkswagen Credit but have been able to reach someone who would discuss or resolve the situation. Neither the XXXX dealership or me are interested in paying the difference in payoff amounts and are working to undo the deal made over a month ago -- where I've already made payments to XXXX. Now, I am in the position to have to make multiple payments to VW Credit to avoid any negative reporting on my credit report. In addition, this third-party buyer payoff policy essentially prevents consumers from turning in a leased vehicle to anyone but a XXXX dealer -- which seems like it is an unfair practice.
|
| 06/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Volkswagen Credit violated my federal protected rights twice under UCC Article 9 through noncompliance : First, Pursuant to UCC 9-611 section ( b ) Except as otherwise provided in subsection ( d ), a secured party that disposes of collateral under Section 9-610 SHALL send to the persons specified in subsection ( c ) a REASONABLE authenticated notification of disposition. '' VW Credit DID NOT send me, the debtor, REASONABLE authenticated notification prior to the repossession of my XXXX XXXX XXXX from my residential address in the state oXXXX XXXX
Secondly, Pursuant to UCC 9-616 section ( b ) " In a consumer-goods transaction in which the debtor is entitled to a surplus or a consumer obligor is liable for a deficiency under Section 9-615, the secured party shall : ( 1 ) send an explanation to the debtor or consumer obligor, as applicable, after the disposition ... '' VW Credit also DID NOT REASONABLY send the explanation to me, at any time between XXXX. I, the debtor, did not receive an authenticated notice. Proof of that is evident through VW Credits admission/response to my prior CFPB complaint ( Please see attachment ). The dated explanation/post-sale letter that VW Credit responded with included my name and a XXXX XXXX address . I have not resided at that SC address in more than four years. Despite that fact, VW Credit still proceeded with hiring a third-party to repossess the XXXX XXXX XXXX at my actual residence in XXXX, XXXX That was not reasonable and a clear violation.
|
| 04/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
- Car leased from dealer XXXX XXXX XXXX, XXXX on XX/XX/XXXX - Account with VW Credit was to be set up within 1 month - XX/XX/XXXX -When the account did not get set up, contacted the dealer and inquired about how/where payments could be made. Repeated the follow up till XX/XX/XXXX. Dealer informed there is issue with account set up, but accepted payments for XXXX, XXXX and XXXX via credit card with no account number available. See attached receipt dated XX/XX/XXXX for {$370.00} -Dealer sent new paperwork to be signed in XXXX, which was promptly done. VW Credit account no XXXX was set up in XX/XX/XXXX - AFTER payments were made - and immediately reflected account past due - On follow up with VW credit, they demanded letter from dealer stating payment was made - Dealer confirmed there was a miscommunication and that it is being sorted out.
Attached email dated XX/XX/XXXX. Further assured they were working with VW credit to not report this to credit bureaus - Received call from VW credit customer support rep XXXX that the issue has been sorted, and adverse reports will be withdrawn - Located in credit reports of XXXX and XXXX in XX/XX/XXXX that adverse comments of 2 x 30 days past due were made despite assurances of not doing so - Followed up with dealer XXXX Mr XXXX and VW Credit Biz Dev Rep Mr XXXX XXXX, they accepted their error and assured to get the report fixed. Recvd attached letter dated XX/XX/XXXX, which is vague and does not expressively state " remove adverse remark ''
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I am writing in regards to a past account XXXX with VW Credit for a XXXX XXXX XXXX. I am requesting to have the late charge payments from XXXX to XX/XX/XXXX that shows up in my credit report, erased and for credit bureaus to be notified of this change after no due diligence from VW Credit to investigate the issue and correct it, in accordance to credit protection during COVID.
The reason for this request is because at the time I was experiencing some severely difficult financial hardships as well as mental health issues, as explained to VW Credit at the time. I have evidence of letters sent to VW Credit and responses that led to no resolution.
I managed to pay it off in full and continued making payments on time without any late payments after that. I asked to not be condemned and have my credit affected negatively during a difficult time. Before investigating my rights with a lawyer, VW DID NOT tell me that I could pay off the late balance to avoid repossession. They threatened to repossess the vehicle and charge off my account. I let them know I knew my rights and they let me pay off the late balance and full, restored my account in which I made no late payments until the remainder of my time with the vehicle.
I would be greatly appreciative if you could help me with VW, who has been evasive in helping to remove late payments from XX/XX/XXXX to XX/XX/XXXX and report changes to credit bureaus.
Please let me know if you have any questions.
Best, XXXX XXXX XXXX
|
| 03/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I bought a VolksWagen XXXX XXXXXXXX XXXX XXXX XXXX from XXXX XXXX Volkswagen XXXX, TX and I was pushed the following extra products.
1 ) Blue Steel 2 ) Easycare Appearance 3 ) Vehicle Extended Service Agreement My wife and son asked me to agree to it so I did agree on that at that time but within 30 days as per Texas laws, I called back the dealer and requested that these be cancelled.
Dealer has refused to cancel these add-on optional items. I complained to Volkswagen and VolksWagen Credit but they said it is dealer who is doing this and I have to deal with the dealer.
Secondly, for the car loan, I signed only 1 paper for availing loan and approving credit check but dealer did three hard inquiries on my credit file without informing that it would be three hard inquiries. I was already told on interest rate when I made the purchase.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VW Credit XXXX XXXX XXXX XXXX XXXX The hard inquries of XXXX XXXX XXXX XXXX XXXX and XXXX ) XXXX XXXX XXXX are fradulent.
After lot of follow ups, the dealer was finally able to issue a refund check for 3 ) Vehicle Extended Service Agreement. However the service agreement was for {$2300.00} and I was only refunded {$2200.00}.
Volkawagen Credit and Volkswagen needs to work with their dealers and have stringent terms that let consumers cancel optional items sold by dealers within 30 days, and stop dealers from doing multiple hard inquiries on customer credit file without customer being informed.
|
| 10/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
I, XXXX XXXX am a natural person & a consumer.
I obtained a vehicle from this company & they did not give me full disclosure as far as my right to rescind. In the contract it mentions something about rescission but not completely. I did not receive any rescission forms, and the rescission section was not clear and conspicuous. My rights were not explained to me at all. Its been 2 months since Ive obtained the vehicle & still no notice of rescission. I have written them a letter stating my right to rescind on XX/XX/2021. I received my green notice of receipt on XX/XX/2021 with no signature or date stamp. I received another one that they have hand written on XX/XX/2021 stating that they have received it on XX/XX/2021. They have also violated the finance charge law by taking my cash from a trade in and using it as down payment. Insurance was also not included in this transaction when the law clearly states that insurance is supposed to be included in the finance charge. They have let me know that theyve received the letters, but they ignore it and sent me another bill stating that Ill be in default and could possibly lose my vehicle if I dont make the payment. This has caused me a great amount of stress, I cant sleep through the night because I feel like theyre gon na come and take my car in the middle of the night. This is also a violation of the FDCPA. I fear that they are gon na try and take advantage of me and just ignore my rights like they did at the signing.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 06/12/2023 |
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
|
|
Web |
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|
Hello, On XX/XX/XXXX, I sent a certified check for the payoff of my leased vehicle with Audi Financial Services and an additional certified check for expedited shipping to have my title sent back quicker. It was sent overnight and Audi received it on XX/XX/XXXX. I sent 2 messages to Audi using their online portal ( 1 to tell them I sent everything to include my tracking number to them and the 2nd after a week or so of no update on my account ). After XX/XX/XXXX, they showed my payment as late and I decided to call in. Upon calling in I was told to wait another week. I waited a week, and sent yet another message using their online portal and received no response. I called in again and spoke to someone who said that Audi is severely behind on sending customer 's their titles, but he was able to " post '' the payment to my account to stop it from showing late and stopping it from behind reported as late to the credit bureaus. After 2 more weeks, I called in again as there was no update and this representative said there was nothing he can do. It's now been basically a month since I've sent everything to Audi Financial Services, they have my money, they have my car 's title illegally, and I can't do anything on my end with my vehicle ( sell it, register it, title it, etc. ). I've now resorted to emailing several executives with AudiUSA to try and get their attention and I'm now seeking assistance with consumer reporting to help me get my cars title.
|
| 05/06/2020 |
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
|
|
Web |
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This communication is in reference to the lack of response after three letters Ive sent in order to address the egregious actions undertaken by the car manufacturer financing company, during which they took possession of the vehicle by breaching the peace of my home in the middle of a global pandemic, after I had paid on time and in full all 36 payments agreed upon in the lease contract.
The country is under a National Emergency due the to the COVID19 pandemic which has impacted the entire United States, and is now the worst impacted country in the world. There is a mandatory lockdown in my state of Florida and weve been virtually told to stay home to prevent from spreading or catching this coronavirus for weeks now.
Moreover, the US government has been trying to help those of us that have been impacted by this catastrophe that has left us without the possibility to work and earn our wages.
Nevertheless, the car company has a financial arm that found nothing better than leaving me without transportation during these critical times and as though that were not enough, its also attempting to pass a liability of $ XXXX to me in these extreme economic circumstances, despite the fact that I paid for the lease contract in FULL by continuing to refuse to work with me in order to purchase the vehicle.
Please help me address these issues once and for all so that I can resolve this matter amicably, rather than through the legal court system.
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| 12/16/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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ACCT # : XXXX Car 's XXXX # : XXXX About a year later after returning the lease, and getting a new lease with the same company " Volkswagen credit '' I received a " Turn-in invoce '' charging me {$800.00} dollars. As soon as I received this invoice, I called them to explained to them, that 6 months prior to this letter, Volkswagen Credit had sent me another letter, letting me know, that the account HAD BEEN PAID IN FULL, and no other fees were needed.
In addition, they had already updated the balance to {$0.00} on my credit report, as well as to the status of " Paid and closed '' They explained to me, that the had sent me the " PAID IN FULL LETTER '' by mistake, and prior to them re-selling the car. I told them, that it was n't my fault, and that they are in violation of the Uniform Commercial Code, by charging me this fees, 1 year after returning the car back to them, and after I had already received a letter from Volkswagen Credit stating that I owed anything at all.
Volkswagen credit told me that, they can not do anything but to charge me % 50 of the turn-in invoice, as a courtesy. However, i refused to because, they had already sent me a PAID IN FULL letter. This is not fair.
I had sent letters after that, without any response from them, I had called many times without response either. I have been leasing cars from them for more than 5 years now without being late once! This is not a good way to treat a loyal buyer.
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| 11/06/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Dear sir/madam I am trying to file a complaint regarding a leased car. I had an incident on XX/XX/2021, I got a flat tire, i hit a curb and 5 of my airbags deployed.I tried to file a claim with my insurance company assuming i was covered, and I was informed that I do not have collision coverage on my vehicle, therefore they can not do anything about that. I obtained the insurance requirements from Volkswagen Credit and the requirements are completely different from what the insurance company issued. Even though my insurance did not meet the requirements of Volkswagen Credit, VW Credit still accepted it and the car dealer issued the car. In a normal situation, the procedure would be to force place insurance on the vehicle since mine was not sufficient, and I should have been informed by letter and a phone call regarding the force placed insurance. None of that happened, and i called the financial institution and they confirmed that no insurance was force-placed nor was i notified via letter or a phonecall. Wherever I call now, they tell me that they can not do anything about this. I have copies of the lease contract, the insurance requirements and my insurances declaration page. I contacted several government agencies, and because it's a delicate situation, they didn't know what to do.
I dont know what my next step should be, I tried all available routes to no avail.
Hoping to hear from you soon thank you regards XXXX XXXX
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| 02/09/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I am purchasing my car at lease end due XX/XX/22. The agreed documented contract price is XXXX.
I contacted the Audi Financial services dept, they said I needed to go to the dealer. Contacted the dealer on XX/XX/22, let them know I am buying the car and they emailed me a document, with multiple ambiguous dollar sums totalling XXXX.
They included service contract XXXX which they removed.
The base amount they used was XXXX, it is clearly on the attached contract as XXXX, then they added fees of XXXX, added government fees of XXXX, 7 % tax, I argued Florida is a 6 % tax state they argued it is 7 %.
They said they, ( the XXXX dealer ) has to buy the car from XXXX financial, and that changes the residual value on the lease agreement.
I read blogs where other people report there is NOTHING the laws do to protect consumers and they can basically charge whatever they want.
So I ask what the purpose of sn " agreement '' is in the first place. My hands are tied I have to sign these documents, and when I try to get resolution the narrative will become " well she signed the documents '' because I will run out of time here. I CAN NOT believe the public is not outraged by this shameless manipulation and NOTHING is being done to stop these deslerships from taking advantage, snd not honoring their own contract. This is so wrong, adding XXXX to the buyout price alone tells me there is a real problem here. Please help me.
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| 09/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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VW Credit account XXXX The payments on this account have been reported and changed over and over. It had showed payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time VW Credit says the account has been verified. Clearly it is unverified because the payment history changes every month and is being reported differently to XXXX, XXXX, XXXX, and XXXX.These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. VW Credit has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.
I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it keeps changing and is not being reported the same to all bureaus.
The last payment that they are reporting was made from XXXX XXXX on a payoff. It was based on a 10 day payoff and was submitted in plenty of time to be on time and should not be showing late.
I demand that these specific and unverified information be corrected immediately!
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| 06/30/2023 |
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
|
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Web |
Older American, Servicemember |
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XX/XX/XXXX Dear CFPB, On XX/XX/XXXX I bought my leased XXXX XXXX XXXX and financed it through the XXXX XXXX XXXX XXXX.
VW XXXX was to send my credit union the title so that a change the lien holder to XXXX XXXX XXXX XXXX could be made.
On XX/XX/XXXX my credit union received a title from VW XXXX that turned out to be " inactive. '' My Motor Vehicle agency informed me that my credit union needs to be given the current title which is Title No. : XXXX with Control No. : XXXX and VIN : XXXX.
This title needs to be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have attempted numerous times to contact VW XXXX by telephone and no one picks up the phone, all I get is eternal hold verbiage.
My credit union needs the title to this car so that I can have my Motor Vehicle agency record XXXX XXXX as the new lien holder.
Please help me acquire this title from VW XXXX.
I will include the contact information that I have on file for VW XXXX.
VW Credit XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, IL XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX
XXXX, IL XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX.
Compliance Consultant - VW Credit ( XXXX ) XXXX NOTE : I visited the BBB website and discovered that there are hundreds of fellow VW XXXX holders who are experiencing the same lack of cooperation and communication from VW XXXX.
https : XXXX Kind regards, Pastor XXXX XXXX
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| 03/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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XX/XX/ : I paid off my vehicle loan on the VW credit website.
XXXX : I called VW credit for a status update. They sent me a letter and email showing that my vehicle was paid off. They said it would be a few more days until lien was released.
XX/XX/ : I called VW credit for update. I was told that they had just switched vendors who take care of lien releases and that there was a small delay.
XX/XX/2023 : I called VW credit for update. I was told that they had just switched vendors who take care of lien releases and that there was a small delay.
XX/XX/2023 : I call VW credit for update. They said they sent lien release to DMV on XX/XX/2023.
XX/XX/2023 : I called DMV to check status of title. DMV states that lien has not been released by VW credit.
XX/XX/2023 : I called VW credit and asked to speak with supervisor. He told me that theyre having delays with their new vendor. He confirmed that while we were on the phone, he pressed the request button to release the lien and that it will take yet another 10-15 business days for lien release . I requested information on the vendor they use for lien releases so that I could speak with the vendors customer service, but the supervisor would not give me that information.
I feel taken advantage of by VW credit. They are holding my car lien hostage at this point while I have never missed a payment and have paid of the car in full seven weeks ago.
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| 12/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I traded in a XXXX XXXX on a new XXXX. The day I traded I went online to VW credit and logged into my portal and pulled a pay off good for two weeks. The pay off did not state that it was specific to myself or a car dealer. It simply stated the pay off amount and residual value of the car. We gave XXXX our pay off quote and closed a deal. It turns out the XXXX dealer never called VW to get a payoff but simply went with my quote. 1.5 months later VW sends a short pay off letter to XXXX. XXXX then demanded I pay the XXXX shortage in one week. When I started making calls it turns out that VW only honors if the pay off if I am buying the car out right. Since the dealer was buying the car and keeping it they say they don't have to honor the written agreement that I had with VW. They quoted XXXX XXXX more than my payoff. However the pay off quote I have states nothing to this fact nor will they send me something in writing to this fact. I am confused how a finance company can give out different pay off numbers to a third party when it was my car to trade in if I wanted with my terms intact. Is this common practice and legal? If the pay off sent to me did not disclose this fact how can they change numbers after the fact? The mgr in VW finance said the payoff should have stated this but I have the written doc from them and it states nothing about this. Seems super shady and illegal. Please advise.
|
| 06/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Hello, I have had an account with VW Credit since XXXX of XXXX. I have never missed a payment or been late, however, due to an error on the company 's website/payment portal, my account was charged twice in XXXX. I was advised by VW Credit 's customer service representative in that same month to take the issue up with my bank in order to get better results. My bank tried to resolve the issue, and as a result, VW Credit reported my account as 90 days late. I have written to VW Credit twice asking for a review and made disputes with their preferred credit reporting agency, XXXX, as well as mine, which is XXXX. My credit score dropped nearly XXXX points because of this, and VW Credit refuses to fix the problem after months of effort on my part. As of today, I was able to obtain my banking statement from XXXX of XXXX, showing the payments that were made to VW Credit from my business checking account. I have attached a screen shot of those transactions below. I am also happy to provide statements for XXXX or any other month, which will show payments made to satisfy my agreement with VW Credit.
I would also like to add that during this time I was suffering from XXXX for over XXXX weeks, and VW Credit still refused to work with me on this dispute. It is my hope that the Consumer Financial Protection Bureau will advocate on my behalf and help resolve this issue once and for all. Thank you
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| 11/10/2022 |
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
- Their investigation did not fix an error on your report
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Web |
|
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXXXXXX XXXX XXXX to validate this account ( A ). I hope this disputed account is updated, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
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| 05/24/2018 |
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
|
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Web |
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I leased a 2014 XXXX XXXX. During the leasing process I was told that absoluted all fees were paid upfront and then all I needed to do was pay the monthly fee and return the car in an acceptable condition. Upon completion of the lease, with the car in perfect condition, and with the car with far far fewer miles than contractually allowed, I was charged a {$380.00} disposition fee because I didn't choose re-lease another XXXX. This was never disclosed to me. It was buried in a giant contract which I was told was standard and unfortunately I signed without fully reviewing or referring to legal counsel for review. I was told it was standard and I had been told of all fees. XXXX threatened my credit. They had a collection agency come after me for this. I tried to speak with supervisors. They told me the CFPB has no jurisdiction over them and that they are not aware of any rules regarding properly explaining hidden fees to customers.
I would also add, I chose not get another XXXX because the dealership was over-billing me for service and attempting to commit insurance fraud. Claiming it would take some insane amount of labor and excessive parts expense simply because they could convince an insurance adjuster to approve it. This made me very uncomfortable. This coupled with the generally terrible service was enough to turn me off the dealerships closest to me and the brand in general.
|
| 05/28/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have a XXXX XXXX XXXX XXXX. The end of lease is XX/XX/XXXX 2021. I would like to sell the car outright. At the time I leased the vehicle, I made sure to inquire that there would be no penalties or fees should I want to buy or sell the car prior to the lease being up. I was told there would not be by both the salesman and finance department. My payoff is a little over {$17000.00}, I was made an offer on XX/XX/XXXX/2021 for {$21000.00} by XXXX XXXX. My husband took the vehicle to VW to see what they would offer and was told that if we sell the car to a 3rd party, and not buy the car outright first, the other company will have to pay them {$21000.00} for the car, which is market value. I said I was not told this when I leased the vehicle, nor did the payoff quote say anything about if I purchased it outright or someone else wrote them a check- there is no transparency and basically VW Credit is taking the money from their customers and using NO transparency to do so. Had I gone and accepted the money from XXXX XXXX, I would have owed VW credit more than I could sell the car for. I was lied to by their sales people to get me to lease a vehicle and I am being cheated out of almost {$3500.00}. I have spoken to VW credit and they will not do anything about it. The only difference is that someone else would right them a check for the payoff. This is truly stealing from your customer.
|
| 09/15/2022 |
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
|
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Web |
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On XX/XX/XXXX, I contacted XXXX XXXX to inquire about paying off my lease. I was advised that they would be able to asisst me and we scheduled an appointment for XX/XX/XXXX. On XX/XX/XXXX, i was advised via text message that i would have to get the car inspected for safety reasons. I was not advised of any fees associated with this inspection. Upon my arrival at the dealership, my car was taken back for the inspection. A while later, i was given the final payoff amount which included a {$990.00} dealer fee, and a {$190.00} inspection fee. These fees were never disclosed to me prior to my appointment. I informed the representative and the general manager that these should not be charged as they were not legal nor in my lease contract. The dealer would not budge and refused to waive the fees. After going back and forth for a while, the general manager refused to complete the transaction and I was asked to leave. According to the federal consumer lease act, the only fees that may be charges on the backend are fees disclosed in the original lease agreement. In my contract, it states there will be a {$390.00} disposition fee. No other fees are indicated. I contacted two other XXXX dealers in the area and both indicated that there would be no dealer fees charges. One dealer even indicated that they would not complete the buyout due to the fact they could not legally charge such fees.
|
| 03/27/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
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I was charged by Volkswagen Credit XXXX for wear and tear upon returning my lease vehicle. This bill came almost XXXX months after I dropped off the car. To dispute the charge, I paid the bill with an XXXX card. Supporting documentation was submitted to XXXX and on my behalf, they waited for a evidence and a reply from VW to support their claims of the damages, but there was no reply. After almost XXXX months, I was then issued a credit of XXXX ( minus the return fee of {$350.00} which I paid ) from VW. A few weeks ago VW sent me another bill for XXXX. They called and threatened that the charges would go to a collection agency if not paid. [ In addition to this over a year ago, the maual transmission, for the same car in question, failed on the highway. VW claimed abuse, and I was charged over {$2000.00} for a car barely XXXX years old. According to them XXXX other women have had the same issue and was not aware they did not know how to drive a stick and was responsible. They offered this unsolicited information despite the fact that my previous car was a VW XXXX as well. XXXX stepped in and disputed the charges and I was issued a refund. ] Because of their questionable practices I decided to return my car a month early and paid my last month 's payment early. This was a clean car that I returned. The has a parking space both at work and at home and rarely parked on the street.
|
| 02/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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I have received reputed calls from, XXXX, XXXX XXXX XXXX XXXX They state their file number for this debt is XXXX. On 5 separate occasions they have called and I have requested to receive verification of the debt and what the debt is for. They have called dozens of times, but I have only answered 5 times. They have twice given me an email address ( provided by XXXX XXXX XXXX on XXXX XXXX 2021 ) I am required to email to request this information. I have twice emailed this email address ( XXXX ) and requested the information and have not received a response back. I received another call on Wed XXXX XXXX at XXXX XXXX and asked to be removed from their call list. The agent said he would remove me from the list and I told them any further correspondence via email or postal mail was fine, however I did not want to receive any further calls until they had provided me proof the debt which they still have not done. Today ( XX/XX/XXXX @ XXXX XXXX ) I received another call from XXXX after I have requested them to stop calling. I answered and explained the situation to the agent who did not give his name and he was very defensive about why I was not removed from the list. I told him at this point I have requested proof of the debt multiple times and they have refused to provide it and have not removed me from the list as requested. I told them I will be filing a complaint with your agency.
|
| 11/02/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
I went to Volkswagen in XXXX XXXX MO when I was XXXX years old to look at getting my first car. I was asked by the car salesman to call my mom and see if she would co-sign for me. He explained that I might be able to get a better deal if she did so. After she agreed he immediately started showing me new vehicles. He suggested a lease knowing I could not pay anything over {$500.00} stating that this is better deal. He misconstrued what a lease was and the features on the contract. He stated that when I got to 48,000 miles ( or 4 years whichever came sooner ) the lease would be over and I could end it or trade it in for a new car. When I was nearing this amount of miles I went back to the dealership to discuss my options. The person I spoke to said that everything I said I was told is incorrect and because I was at this mileage at this point in my contract I would be subject to thousands of dollars in fees and suggested I switched to a purchase. I am XXXX now and barely able to survive after making my rent and car payment. I have tried to look at trading it in but I owe about {$22000.00} more than it is worth and nobody can help me. I believe Volkswagen took advantage of my ignorance and lied when explaining the specifics of my contract to me verbally. I have submitted several written complaints via email from Volkswagen Credits website and have never received any response.
|
| 01/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I recently purchased a new Audi vehicle and financed the purchase through Audi Financial Services. In order to pay my bill, I setup online access to pay my monthly bill through XXXX. I was successful in setting up my banking information and changing my monthly statements to paperless.
I tried to make a payment on the XXXX website several times in XXXX of XXXX, but each time the Audi Financial Services Dashboard would not load on their MyAudi site. Clicking on the link to Audi Financial Services Dashboard results in a spinning red circle for a moment, or an error message. I contacted their support line and did a ton of web browser troubleshooting across three computers, but could not get their website to load correctly. Support could also not assist with enrolling me in automatic payments or re-enabling my paper statements- Two actions that can only be done via the XXXX website.
I have tried several times between XX/XX/XXXX and now XX/XX/XXXX to get the website to function correctly. I have called Audi Financial Services support, I have contacted Audi 's General Customer support, I have XXXX to the brand accounts several times - no one is interested in fixing this broken website. I can see several other people on XXXX have made the same complaint, leaving them unable to get their statements, make a one-time payment online, or make changes to their autopay preferences.
|
| 02/01/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
I currently have a XXXX XXXX XXXX on a lease. I was trading the vehicle in for a XXXX XXXX XXXX. On the VW Credit website, I can receive a payoff quote that is good for 10 days. The payoff quote was {$27000.00}. I produced a digital copy for the XXXX dealer as well as showed the sales person the quote directly while finalizing the deal for the new car at the dealership. This was on XXXX. The quote expires on XXXX.
Yesterday, the XXXX dealer notified me that the payoff quote from VW Credit was {$28000.00}. That is {$850.00} more than the quote I provided for the dealership. I went back to the VW Credit website again today, XXXX and the payoff quote is still the same as I quote the dealership on XXXX. I spoke with a VW Credit representative about the discrepency and she said the quote provided is for the customer. The dealership gets a completely different payoff quote and that quote is based on market value. I asked her that VW can bascially charge whatever it wants to the dealer regardless of what the contract says? She said yes. Furthermore, none of this is even written on the payoff quote webpage.
I told her could you imagine if I sold my house and only owed $ XXXX but the bank holding the note felt it was really worth $ XXXX so that is the new outstanding payoff. Such a practice is illegal. At this point, I am returning the XXXX purchase back to the dealership.
|
| 08/30/2021 |
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
|
|
Web |
|
|
I have this account that is not mine and i want it to be removed.
XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft VW CREDIT INC Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
9. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft VW CREDIT Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX XXXX 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.
5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
|
| 12/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I XXXX XXXX hereby disputes the fact that VW Credit Inc still maintains a negative reporting item on my credit report, respectively on XXXX XXXX, XXXX and XXXX collectively. I originally closed on this vehicle loan on XXXX XXXX, XXXX. I was at least 30-days late on XXXX ( XXXX ) different occasions in XXXX. VW Credit Inc. has cut off at least 30 months of my payment history to give the indication that my first late payment was XXXX XXXX. However, the payment history for even that date has been successfully cut off. This process of extending the late payment history is known by the Federal Trade Commission and the Consumer Financial Protection Bureau as re-aging of debt. The account should have become obsolete based upon the 7-year rule of maintaining negative account information back in XXXX. VW Credit Inc. is in strict violation of my Fair Credit Reporting Act rights as well as all FTC and CFPB mandates upholding the 7-year rule. Accordingly, I demand either a complete payment history of the attached account, including copies of all payments, or the deletion of the account completely. I did protest this account with all credit bureaus, and I attach the most recent XXXX XXXX credit report to confirm that the account is still posted with at least 30-months of payment history cut off purposely. I demand this account to be removed immediately and permanently!!!
|
| 12/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
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I logged into MyAudi.com and provided the necessary information to connect with Audi Financial Services for online billing & payment services. I received an email confirmation that this process was successfully completed and my billing statement would now be only available online. However, when I log into MyAudi.com I continue to get a message that my account is not linked to Audi Financial Services ( AFS ). After several attempts, I realized that there's no online site for AFS, even tho I received multiple confirmation letters stating that my Audi account was successfully linked to AFS. When I call AFS, the rep acknowledged that the website " ... is not the best. '' Hearing this, I requested that my billing statements be returned to paper and mailed to me. The rep said he couldn't change the setting, so I requested a manager. The manager told me it would take XXXX days for their back office to make the change to paper billing. I now want to just pay off the car loan early and be done with Audi, but I can't seem to get a pay off statement from AFS. When I called AFS the automated system just gives pay off balance which is more than the amount owing on my last billing statement. I need an explanation why AFS is charging more to pay off the car loan than my last statement. Also want to know why a online billing system is advertised that doesn't exist.
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| 05/14/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I leased a vehicle from Volkswagen in XX/XX/XXXX, and purchased an Excess Wear policy from Volkswagen at the same time.
When returned the vehicle in XX/XX/XXXX Volkswagen failed to apply my final lease payment to my account. They also applied {$270.00} of excess wear fees to my account instead of claiming those from the policy they sold me, and they refused to provide me with documentation I needed to make that claim myself.
In XX/XX/XXXX they referred my account to a collection agency, with the final lease payment ( that I already made ) still uncredited and with the {$270.00} excess wear still uncredited. In XX/XX/XXXX they finally corrected the final lease payment, 8 months after I paid it. But the account was already in collections, and at the same time they introduced a new payment that they had never before billed me fore. In XX/XX/XXXX they finally mailed me the documents needed for making a claim on the Excess Wear policy.
My demand now is that Volkswagen Credit recall my account from the debt collection agency, recall any reports of overdue or delinquent payments from any credit reporting agencies to whom they have reported this, issue a written apology to me for their inept and malicious handling of my account, and if they believe I still owe them something, deal with me directly in a constructive and responsive manner.
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| 07/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation/debt collector to do correctly. Respectfully, I entered a consumer credit transaction with Volkswagen Credit on XXXX, which involved a finance charge. In Good Faith pursuant to 15 USC 1692g, On XXXX I sent VW Credit my request for validation, only to received a copy of the Installment Sales Contact. Where it states " Security Interest, " This secures all payment you owe on this contract ''. '' VW Credit has not provided me the required information pursuant to federal law. Nor did VW Credit provide me with the name and address of the original creditor. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. VW Credit is in violation of the 15 USC 1605 Truth In Lending Act. VW Credit didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Volkswagen Credit is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K. Volkswagen Credit has been invoiced pursuant to federal law.
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| 12/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
Servicemember |
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Account # : XXXX VW CREDIT XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2022 To whom it may concern, XXXX, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ).
VW CREDIT XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. VW CREDIT XXXX, ILLEGALLY obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX and XXXX. I did not grant VW CREDIT XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders.
As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting of the VW CREDIT filings to all consumer reporting agencies.
- Remove reporting of the VW CREDIT XXXX filings from all consumer reporting agencies.
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Regards, XXXX XXXX
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| 11/27/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject.
Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years.
VW CREDIT INC XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or VW CREDIT INC customer service representative.
I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
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| 04/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I submitted paperwork to pay off the lease balance on a XXXX XXXX XXXXXXXX XXXX with Volkswagen Credit and it was received by Volkswagen Credit on or around XX/XX/XXXX. At the time, I was told that I could expect the documentation to be processed and for title to be sent to me within 3 weeks of receipt. Since that time, I have communicated with a representative of Volkswagen Credit at least 5 times. During such communications the time frame for when I could expect title to be sent to me has changed from within 3 weeks, to 30 to 45 days, to 30 to 60 days. As of today, we are at day 50. Volkswagen Credit has indicated that the delay is driven by " third-party vendor issues, '' but have been unable to provide any assurance of a timeframe for resolving said issues. Nonetheless, the delay has caused me to be without approximately {$17000.00} for 50 days and has delayed my realization of the sale of my car. Given highly volatile market conditions and fluctuations in used car prices, this has subjected me to an inappropriate and unreasonable amount of financial risk. I have researched other similar financial services companies and their publicly stated timeframes for lease payoff processing ( to the extent available ) and some as short as 10 days from receipt have been noted. 50+ days is simply commercially unreasonable.
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| 04/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- 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
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Web |
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VW credit is violating my rights under the FCRA willingly and has failed to correct. Violations include inaccurate reporting as well as failing to disclose the account is being disputed. Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.The have an F with the XXXX XXXX XXXX for that exact reason. Overview of XXXX Ratings VW Credit , Inc. Reasons for Rating F VW Credit , Inc. Failure to respond to 6 complaint ( s ) filed against business 159 complaint ( s ) filed against business VW credit is violating my rights under the FCRA willingly and has failed to correct. Violations include inaccurate reporting as well as failing to disclose the account is being disputed. Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.
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| 03/10/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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My credit report was dinged by Audi Financial Services unnecessarily. Audi Financial Services had my email address at XXXX, and was never able to contact me to let me know my payments were not going through. The reason my payments were not going through is because it is a company car that is paid for by our company, and our business changed bank accounts after being acquired. After the acquisition, I updated the bank information and made a payment, but Audi never informed me that autopay wouldn't be reenabled, which is ridiculous. i have made every payment on time on the same day every month, and no one ever even gave me the courtesy of telling me that my payments were not being made and that autopaid was turned off. Instead, they went straight to dinging my creditr report, which I didn't uncover until I went to apply for a home loan, for which I was denied purely because of the dings by Audi Financial Services.
There were two payments that were late for XXXX and XXXX, and they were for about {$800.00} each.
In the attached photo, I took a screen shot that shows Audi Financial Services had XXXX as my gmail. Any competent agency should know that the email domain XXXX XXXX '' is a typo ( on their end by the way when I leased the car ), and should have made an effort to find or fix the email address.
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| 10/18/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
Servicemember |
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I was involved in an accident where my leased vehicle ( XXXX XXXX ) was deemed a total loss. The accident happened less than two months after we entered into the lease. In connection with the total loss of my vehicle, my insurance company ( XXXX XXXX ) paid Audi Financial Services {$37000.00} the value as of the time of the accident. This was higher than the value of the car at lease signing, which is set forth in the lease agreement as {$33000.00}. Audi Financial Services continued to require me to make monthly lease payments after the date of the accident, when I no longer had possession nor use of the vehicle ( which was a total loss ). Audi Financial Services is insisting that they will keep the difference of {$3800.00}, i.e. the difference between {$37000.00} ( value at time of accident ) and {$33000.00} ( value at lease signing ). Audi Financial Services also refuses to refund me the deposit ( {$3700.00} ) I paid at the start of the lease meant for the full term of the lease ( 42 months ). Therefore, Audi Financial Services will make money off of an accident I was involved in. Audi FS will make money from my insurance company and the insurance premiums I paid. In short, Audi Financial Services will make a profit from their customer 's accident. This is just patently unfair and unconscionable.
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| 04/13/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I was leasing XXXX Volkswagen XXXX, and i traded-in this car to XXXX XXXX XXXX at XXXX XXXX, Ca. on XX/XX/XXXX The dealer paid {$20000.00} to VW credit that was cashed to them on XX/XX/XXXX On XX/XX/XXXX I received a notification from the credit bureau that VW reported me with 30 days late payment.
I called them and they informed me that they got the amount but they didn't applied to my account because they are telling me that the amount was not correct, and the amount for the customer payoff id different than the dealer pay off.
I called the dealer and the dealer called them and they informed the dealer that there is a shortage of amount equal to {$810.00}.
The dealership asked me to pay this amount because the pay off invoice they got from VW credit was not correct.
and VW is telling me that the dealership wrongly requested the pay off and they will not close my account.
Now I am stuck in between the dealership and VW credit company and this impacting my credit score and rating and hurting me financially.
Please note that my monthly payment wit VW was about {$410.00} / month. They got {$20000.00} on XX/XX/XXXX, they elected not to apply it to my account, and still reporting me with a late payment to the 3 credit bureaus, only because the have remaining amount required from the dealer.
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| 10/25/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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I leased a XXXX VW XXXX in XXXX of XXXX for XXXX years. I clearly communicated that my intention would be to purchase the car at the end of the lease, and I was told that I will probably change my mind. I disagreed in passing, and we moved on to complete the lease paperwork. While signing the paperwork, I was verbally offered an excess wear and tear package that would repair up to {$7500.00} dollars worth of damage for {$800.00} that would be added to the lease. I accepted the package.
The lease reaches maturity in XX/XX/XXXX and I recently had the car inspected at the end of the lease- fully expecting to have any repairs settled via the excess wear and tear package prior to the end date of the lease. There were a few dings for which the estimated total is less than {$700.00}. I called VW to utilize the package I purchased with the lease, but was told that since my intention is to purchase the car, I can not take advantage of the package they sold me for {$800.00}. My complaint is that this package was sold to me by a salesperson who was clearly informed of my intention to purchase the car, knowing I would not be able to use it when I went to purchase the car, and without explaining that it can't be used while the car is still under lease. This feels like a clear bait and switch.
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| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXXXXXX XXXX XXXXXXXX - acct # XXXX Opened XXXX -- -- reporting time has expired XXXX XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired XXXXXXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired XXXX XXXX - acct # XXXX Opened XXXX -- have never been late XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired, this is not my account, i do not have any children and they have failed to validate this account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy.
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau.
Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt.
Failure to remove these accounts immediately will result in a {$1000.00} fine.
Note that a copy will also be sent to FCRA.
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| 11/22/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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On XX/XX/2021, I sold my car ( under a lease ) to XXXX XXXX in XXXX, California. My car was under a lease and had a payoff quote of {$16000.00}. The XXXX XXXX dealership was offering to purchase it off me for {$23000.00}. I agreed and completed the sale for the price of {$23000.00}. The dealership management team stated that the difference between the purchase price of {$23000.00} and payoff of {$16000.00} would be delivered to me in check form within 5 to 7 business days.
I had not received it yet, so on XX/XX/XXXX, I contacted the dealership and left a voice message to the sales/finance team to check on the status of my payment. On XX/XX/XXXX, the dealership got back to me and stated that it was delivered on XX/XX/XXXX via XXXX at XXXX pm. I called back to confirm the tracking number and discovered that it was shipped to an incorrect address in a different city. The address was completely different than the one on my account with the dealership and on the final paperwork.
The dealership admitted to sending it to the incorrect address and confirmed that the check had been deposited already and that they are going to file a fraud claim with their bank and that they will have to send me a new check or I can drive several miles out of town to pick it up at their business office.
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| 11/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On XXXX XXXX I was hit by another driver, 3 months later the vehicle was ready to be picked up which was not exactly true. The vehicle was sopposed to be repaired to atleast safe condition after the insurance company payed more to fix the vehicle than what is owed. I had to keep visiting the repair shop to fix what was not fixed. Around 4 times atleast. For suspension related issues and just poor work overall. Just recently the front assist light came up and also caused the cruise control to not function and after 2 weeks of trying to get a set date ( XXXX XXXX ) I was not able to take it in. I also believe it has frame damage. Since the accident unfortunately I did fall back on payments due to transportation and also the rental which was more than expected just because the vehicle needing more time at the repair shop. I was never reimbursed for the rental which was almost {$3000.00}. All this was mentioned to VW credit and they just wanted payment which I couldn't due to my situation. So I had no choice but to try and sell the vehicle once it was repaired and safe but The car was repossessed recently ( XXXX XXXX ) all while I was in the vehicle. I was taken out and told I had to give the car up for non payment which I completely understand. Any help is appreciated thank you.
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| 05/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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This occurred with Audi of XXXX in XXXX, WA in XXXX of XXXX. I was assured by XXXX XXXX from the finance department that I was signing for an auto loan under my business entity. XXXX said he structured the loan so it would not show up as a personal loan, would not show up on my personal credit, and made claims that I would simply be the guarantor. XXXX even questioned why it was so important for me to have the loan under the business and I explained my plans to purchase more property. Sales representative XXXX and my wife XXXX witnessed this transaction. I signed documents and XXXX never disclosed a different loan would be processed.
At the beginning of XXXX, XXXX and I began a pre approval process on a property for another business. I recognized that my credit score was greatly impacted by the auto loan during this process. This caused us to be unable to follow through with our business plan due to financial liability caused by the auto loan.
XXXX was able to contact XXXX by phone after we made numerous attempts. XXXX explained to XXXX the situation and his response was something to the likes of, Im sorry, I tried my best. I was lied to through deceptive sales practices to push along a loan I didn't consent to and it is greatly affecting my professional life.
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| 12/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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We traded in our XXXX in early XXXX. We received a letter from Volkswagen Credit XXXX XX/XX/2020 stating our loan had been paid off. On XX/XX/XXXX, we saw we had a pending payment to Volkswagen Credit for the loan that was already paid off. We called Volkswagen Credit immediately and were told that the payment would have to go through. They would refund the money in two weeks. I said that since the money should never have been taken out in the first place, it should be refunded immediately. The woman said that would happen. Today, XX/XX/XXXX, I called again to check on the status of the payment. Nothing had been done. A second woman said she would request the payment be XXXX XXXX and we should see it be the end of next week. I asked that we receive the money on Tuesday since this money should never have been taken out of our account.
Volkswagen made two errors. The first was not terminating the automatic payments on a timely basis. I would think that would have been done that when the paid off letter was sent to us, XX/XX/XXXX. The second one was not refunding us our money on a more timely basis since the money should never have been taken from our account in the first place.
Volkswagen Credit should have the letter sent to us along with recorded calls.
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| 07/21/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I leased a new XXXX Audi XXXX on XX/XX/XXXX At the end of my lease term, I purchased the vehicle from Audi for {$26000.00}. Audi has my vehicle paid off in full as of XX/XX/XXXX.
Since that time I have been unable to receive my title from Audi. I have called Audi financial several times, and each time was told that I failed to send in my odometer statement. I provided the statement by mail three separate times.
Most recently, on XX/XX/XXXX I called and spoke to XXXX, who agreed to FedEx me a new odometer disclosure. I returned the disclosure via FedEx and it was received by Audi on XX/XX/XXXX.
Today ( XX/XX/XXXX ) I called Audi to ask when I would receive my title. XXXX said that they now my odometer statement, and while he received " permission '' to expedite my request, it would still take several weeks for me to receive it. XXXX said that Audi recently switched vendors for title services, and the delays have been causing a lot of " pain '' and " heartburn. '' I intended to purchase a new vehicle today, one that I had been looking for a long time, but now have to cancel the deal because I can not provide the title to my Audi trade in. At this point I have no hope of every receiving it!
Thank you for your attention to this issue.
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| 03/02/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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My car lease was with Volkswagen. The lease loan was with Volkswagen credit. My car lease ended in XX/XX/XXXX and all payment due have been paid with my account in Volkswagen Credit fully closed on XX/XX/XXXX. After one year, they still send me bill saying I own them property tax for the full year of XX/XX/XXXX. I called them 3 months ago, explaining that this must be wrong. The agent realized they made a mistake and I might only owe the piece between XX/XX/XXXX to XX/XX/XXXX, which was the period I still had the car. They promised me to correct it and will contact me once it's clear. Now 3 months later they still keep sending me the same bill and now, with a notice from their collection department!!! I'm very worried they will abuse my credit report. If I did not pay attention to such bill I might have paid the excessive charge they recklessly put on me. I feel very angry as an individual consumer I need to worry about and deal with such excessive charge, and even after I made my effort trying to correct them, which they accepted and promised would correct, they still keep doing that! I need someone to investigate their statement system and correct the bug which might already have hurt many customers if they simply accept and pay it!
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| 08/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have been paying off a car with VW credit for 3 years. I have paid on-time or early each time. Additionally, I have paid more than the amount needed. I recently received a bill and it had a late payment plus new payment on it. I contacted XXXX extension XXXX on XX/XX/19 to discuss this problem. She agreed that the billing was wrong and would handle it. I made a XXXX dollar payment that day as I usually do every month. Subsequently, I received a late payment notice again with a threat that they will contact the credit bureau. I called again today and after 30 minutes, much of which was on hold for XXXX extension XXXX, she indicated that I should actually be ahead not behind based on my payment history. She said she will again look into it. However, I am concerned that their accounting department has not audited my account correctly. I paid the remaining balance that is due to prevent further threats however, I believe their accounting department needs to be held accountable as I am probably not the only person this is happening to. Neither customer service representatives could provide me with a reference number for my call. I also sent an email inquiry today as I wanted some proof that I am trying to get this situation corrected.
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| 08/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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Over the past couple weeks I have been trying to get an auto loan. However almost every single bank has turned me down without even a counteroffer, just a denial. I have no idea why this is because my credit score is not awful its like a XXXX and I dont owe anyone any money so my DTI and my credit usage are both 0 %. So there is no reason for me to not be able to get an auto loan, Ive never had any issues up until I returned a car to XXXX XXXX XXXX where Im convinced they have put something on a portion of my credit that I am unable to see but the banks can and thats why Im getting denied like I am. I have bought over 15 cars since Ive been driving and Ive done no money down with worse credit and gotten approved but now I dont wan na do money down but I just get denied over and over, even from places that have approved me before with no or little money down and it didnt start until I dealt with XXXX XXXX XXXX XXXX This is causing me serious financial issues because I can not work without a car, and Ive tried every type of car and dealership and even the dealerships are confused as to why the banks arent countering with a down payment amount or different terms or something but they arent. Something is not right and I want it fixed.
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| 12/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint.
I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was denied my right of credit by Volkswagen Group of America , Inc d/b/a/ Audi XXXX. I was informed of this trespassing against my rights specifically 15 U.S.C. 1601 - Truth In Lending Act and 15 U.S.C.1691 - Equal Credit Opportunity Act by Volkswagen Group of America , Inc d/b/a Audi XXXX on XX/XX/2021. According to 15 U.S.C. 1602 definitions of the Truth In Lending Act, I as a natural person possessing an open end credit plan was harmed by Volkswagen Group of America , Inc d/b/a Audi XXXX with the adverse action taken against me denying me my rights, in addition according to 15 U.S.C. 1691a as an applicant i applied to the original creditor indirectly by use of my already existing open end credit plan in which i had adverse action taken against me for the use there of, denying me my rights of which civil damages pursuit to 15 U.S.C. 1640 ( a ) ( 2 ) ( A ) ( iii ) and 15 U.S.C. 1691e ( b ) are up to { {$15000.00} }. Volkswagen Group of America , Inc d/b/a Audi XXXX is now civilly liable to pay me for the damages.
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| 09/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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Hello, I have two cars via Audi Financial Services. all was great untll COVID but currently they just stopped servicing customers and they do not pick the phone.
All started when my car was robbed and the check book was stolen from my glove apartment. as per the US law I needed to close out my checking account and open a new one. Then I tried to change my autopayment settings in Audi FS application and it never worked correctly.
I changed it two times already - they nevertheless try to charge my old ( closed out ) account, bank returns them request back, they charge me " returned fee '' and I submit on line one time payment manually.
guess what - they use old bank credentials anyway.. they just do not allow you to change the checking account.
I tried to call them 4 times without exaggeration - they do not pick the phone. they say " we have unprecedented amount of calls ''. I sent them several messages via message center - they never responded to anything.
last but not least - there is " payment history '' button on the website and it shows incorrect list. it shoes the requests, not the payments. in my case it shows 2 returned payments as " paid ''. it is a deception.
They keep me in the dark. AUDI FS is the fraud.
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| 12/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX, part of XXXX XXXX XXXX, on XXXX XXXX XXXX. I explained that I was in the process of moving from the XXXX area to XXXX XXXX. The salesman, XXXX XXXX, told us that would not be a problem. I took possession of the car, paid the XXXX sales tax and was promised the dealer 's finance and title department representatives, XXXX XXXX and XXXX XXXX, would process the paperwork. It 's now been three months since the sale. I initially borrowed {$10000.00} which was paid off in full through their financing branch a month after the purchase. ( see attachment ). I 've paid all the applicable XXXX taxes and sent copies of the paid tax receipts to the individuals above. I 'm a XXXX XXXX resident and have sent a copy of my driver 's license for that state to XXXX along with all the other paper work they 've requested. Despite these efforts, I do not have a valid registration for the car nor do I have a title despite the car being paid off in full. The State of XXXX still has no record of my XXXX being registered. I can not register the car and I do not have a title despite paying off the loan if full. The car is not legal to drive since XXXX will not provide temporary tags beyond 60 days.
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| 11/30/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I wanted to change which bank account VW Credit billed for my car lease. According to their website, the way to do this is to cancel and reinstate auto payment. On XX/XX/XXXX, I cancelled my auto payment on their website. The website informed me that I would not be charged for my typical auto payment on XX/XX/XXXX and that I would need to make a one-time payment to meet that due date. As such, I immediately scheduled a one-time payment of {$820.00} to be charged from the new bank account on XX/XX/XXXX.
On XX/XX/XXXX, I found that VW Credit had charged both of my banks for {$820.00}, each, resulting in a total of {$1600.00} being charged. I called VW Credit to demand that they refund one of the charges of {$820.00}. The representative, XXXX, told me that their refund process took 20 days and so I may as well let them keep the money. I insisted that XXXX initiate the refund process anyways.
20 days is a ridiculous amount of time for VW Credit to hold on to money that they charged based on a false pretense, and particularly such a large sum. Their behavior leads one to believe that this isn't merely a mistake, but a deliberate, fraudulent scheme, with elements designed to discourage consumers from seeking redress.
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| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from Volkswagen XXXX for an Audi XXXX XXXX. The outstanding balance was XXXX which VW told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, VW reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by XXXX points on XXXX XXXX XXXX as result of this irreparable damage to my credit profile. I demand that this be addressed by VW for the Account # XXXX. I reached out to both XXXX and VW, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.
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| 07/29/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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On XX/XX/2023 my attorney XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX sent out a Notice of Recission of Lease Assumption BK CASE No XXXX Pursuant to Section 365 ( d ) ( 2 ) of the Bankruptcy Code, a debtor may reject any executory contract, including a lease, prior to discharge. XXXX XXXX XXXX informed VW Credit Inc. to come and acquire their vehicle in XXXX of this year of XXXX which VW Credit Inc. Failed to do. After sometime during this whole process they came a took the property in the middle of the night without informing my attorney or the Courts at all. A few days later or so I get an alert through email from all three Credit Bureau Reporting companies that my vehicle was an involuntary repossession. If that was the case then how come my attorney informed you of the Notice of Recission of Lease Assumption through mail and email which VW Credit Inc. failed to respond for this situation? VW Credit Inc. has damaged my credit worthiness and I am seeking damages in a civil law suit. There is no excuse for what you're doing bottom line. Especially since you have your property back. Therefore, VW Credit Inc. is civilly liable for all the damages that incurred. I will sue very soon! Just to make that clear.
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| 12/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I am the primary contract holder on an account with VolksWagon Finance Company. The secondary signer filed bankruptcy. This account was not included in the bankruptcy case. VW Finance blocked my access to online payments and stopped sending my monthly statements, eventhough this account is not included in the bankruptcy case and I have not filed for bankruptcy. I have called several times to get a print out of my account. The rep states that account is current, but they are unable to email or mail me a statement. I am referred to a Debt Collection Company. I keep trying to explain that the account is not being paid by a collection company. I have not received any statements of my account from the company. When I call the number that is given for the company, the rep says they will email a statement to the lawyer who handled the case and he will forward it to the client who filed bankruptcy. She has not received anything. When she contacted the lawyer, he stated he would mail it or forward it in an email when he received it, but he never did. I do not understand why I can not get a statement of my payments and balance as a contract holder when I am making payments every month and have never been late.
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| 12/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX.
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end on XX/XX/XXXX.
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX.
XXXX/VW when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter.
Trying to get a re-fi and this false late is causing problems, and XXXX/VW needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account.
Thank you.
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| 01/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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In XXXX of 2022 I called Volkswagen credit XXXX XXXX twenty times. I had paid a payment of XXXX to cover up to XXXX for XXXX and XXXX. I paid XXXX and XXXX but not XXXX. They were overcharging me and taking thirty days to complete a payment so It would be late and they would not fix the problem. Then I did not pay the month of XXXX after trying to reason with them in XXXX and get help with the loan as they were charging {$250.00} for late fees at this point without any letter of late fees change from XXXX to {$15.00} and then so on up to {$250.00} for one month for one late fee, and for being so upset for not being listened to and for paying XXXX a month in a COVID crisis. Two days before my due date of XX/XX/XXXX, they repossessed my car without any warning. In the state of Massachusetts that is illegal. There must be three letters of repossession warning before a car is taken and I got none. Then after they stole and sold my car for XXXX, they did not give me the remaining balance. As I only owed XXXX to XXXX at this point. Therefore they owe me money or the return of the same car with the same payment plan. My name is XXXX XXXX and my number is XXXX and I want XXXX!!! Thank you
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| 02/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX, I purchased my leased XXXX XXXX XXXX. At this time, I was not advised that my Auto-Pay would be turned off and that I would need to reset all my banking information. Over the last three months I've been under the impression that my payments were being made automatically. I did not receive an email because my paperless settings were also removed. Over the last three months I have been traveling between the New York, XXXX, XXXX, and Colorado and did not receive letters. XXXX did not call me to advise that a payment was due.
This morning I received an email from the Credit Bureau advising I had missed a payment. I was completely shocked to see that it was XXXX. I went online and saw I was {$1400.00} past due and paid IN FULL IMMEDIATELY. At this time, the XXXX website is still not allowing me enroll into autopay.
I called XXXX and they advised that since I went from a lease to a purchased vehicle I needed to have reset all my payment information. I had no idea that this was the case. If you look at my credit history, you will see I've never missed a payment in my life. I'm devastated that this happened and would like something corrected as soon as possible, please.
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| 02/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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This complaint is to Volkswagen Financial service www.vwcredit.com My bank XXXX XXXX XXXX XXXX sent a check to Volkswagen financial on XXXX of XX/XX/2021 and Volkswagen financial received my pay off check on XX/XX/2021 and the check was cleared on XX/XX/2021. The check amount is {$20000.00} and the XXXX tracking is XXXX. ( which shows when they received my check ) I called VW before my due date on XX/XX/2021 and in between I talked to 5 VW representatives and the issue still has not been resolved. I even sent them the check copied on XX/XX/2021 to show they have cashed my check on XX/XX/2021.
This doesn't not look good on my credit report because so far my VW account is still showing I did not pay off the VW lease and I have another loan with XXXX XXXX XXXX XXXX.
They wasted more than 5 hours of my time in total and still not willing to take any ownership or actions to do the right ethical way to pay off my lease. I provided additional check image to show they cashed my check to XX/XX/2021. They still did not resolved the issue. They are doing unethical business by not reporting the proper data to the credit bureau agencies. And I have to buy a property in the new few months.
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| 01/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Bought a new XXXX XXXX from XXXX XXXX in Texas in late XXXX. Was pushed to finance at least 4 months with XXXX XXXX XXXX to get a {$2000.00} rebate. On XX/XX/XXXX made my first and only payment of {$10000.00}. Noticed it never posted so made numerous calls and was told account number inputted wrong but it was corrected and properly applied and would reflect so in my XXXX account. This never happened so i made numerous calls over the next few weeks to follow up. No hint of any problem from XXXX and all was well just taking longer than expected ... .... Today I was told XXXX returned the money on XX/XX/XXXX and it, whatever it is, was cashed on XX/XX/XXXX. This is the first time I was told this. All my other inquiries all was fine and just taking time to get the payment to its correct home. I had another $ XXXXpayment set for today but had the bank cancel it. Now I am out {$10000.00} and left to deal with an inept XXXX that every phone call tells me a new story. My bank says the payment was an electronic transfer to XXXX and they have no idea why a paper check would have been cut if in fact it was. Bottom line, my {$10000.00} is missing and I am left to deal with incompetents.
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| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXXXXXX XXXX CA XXXXXXXX, VW CREDIT INC XXXX Date Opened : XX/XX/2016 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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| 08/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership ( XXXX XXXX XXXX ) along with Audi 's support team could not fix. With help from NJs Lemon Law Team through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with Volkswagen group of America ( which owns Audi ), and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made a XXXX XXXX payment, but XXXX XXXX requested a check from Audi because the account was placed in a protective status. The car was returned on XX/XX/XXXX because of the defects and all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the Volkswagen retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit reporting act.
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| 01/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX I opened an account with VW Credit Inc on a XXXX XXXX XXXX and in XX/XX/XXXXthe car was totaled in a hail storm. I purchased gap insurance through the XXXX dealership in case something like this happened. I filed my claim and the car was paid in full between the insurance company proceeds and the gap company ( XXXX ) payment.
My account was statused as paid in full. Then on XX/XX/XXXX I received an alert from the 3 bureaus showing a new tradeline update on my credit report. I opened the notice and found that VW Credit Inc had updated my loan status from " Paid in Full '' to " Paid / Charge-Off ''. This statement basically shows as if I let my vehicle get repossessed and then I paid off the balance at a later date. This is completely false as I never made a late payment much less let the account charge-off.
I contacted VW Credit Inc on XX/XX/XXXX and they stated they would correct the error and it would take about 30 days. On XX/XX/XXXX the account did update but nothing changed and still shows " Paid / Charge-Off ''.
This erroneous data is having a negative impact on my credit score thus making the cost of new credit to increase.
|
| 06/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
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Web |
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On XX/XX/2020, I signed a lease contract with Audi Financial Services ( " AFS '' ) to lease a vehicle for 36 months. The contract stated an agreed monthly payment stream of {$510.00} for the 36-month lease period. My cash due at signing was {$4000.00}, this included my first month payment of {$510.00} for XX/XX/2020. On XX/XX/2020, I received an email from AFS notifying me that my next monthly payment for XX/XX/2020, is {$510.00} instead of the negotiated monthly contract of {$510.00}. I proceeded to look into my account history with AFS and noted that my previous XX/XX/2020 payment was also drawn at {$510.00} instead of the {$510.00} negotiated contract payment. The Audi dealership and AFS were both contacted at multiple instances once this error was discovered ; however, they were unable to resolve the issue although they confirmed my lease contract documents did note a monthly payment of {$510.00}. On XX/XX/2020, I made aware to the individuals from Audi that I am currently employed as a XXXX XXXX XXXX XXXX XXXX XXXX and what they were doing was illegal. In addition, I told the individuals that I would be filing a formal compliant with CFPD.
|
| 09/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
XXXX was repossessed in XXXX XXXX, sold on XX/XX/2018, I also had GAP insurance thru VW credit XXXX I was never given documentation of the XX/XX/2018 sale, the gap insurance payment that i never received, the loan was also sold to a collection agency without my knowledge, and the damage on the right rear passenger door was also never reported to XXXX, and since has been sold two other times. when the car was repossessed it was holding family valuables which were never returned to me and stolen from me, including my sons car seat. the historical and balance and mostly, showing a past due balance on a charged off, sold a month after repossession, gap insurance payment i never received or is reflected and not reporting damage the sale of the vehicle or the third party collection agency. i am requesting all documentation from VW credit, sale of jetta and price to the auction company, price sold to a debt collection agency, GAP insurance policy and original signed loan and pictures and documents from pickup by the company that picked the car up from repossession date, list of items in the interior and trunck of jetta that was never returned to me.
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| 03/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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I financed my Volkswagen a few years ago in XXXX XXXX. I moved to XXXX state in XX/XX/2023 and the law requires me to register my car within thirty days. The DMV in XXXX told me I'd need a copy of my title in order to register the vehicle, so I called my lienholder, VW Credit, on XX/XX/2023. I was told that my title was electronic and would take 15-20 days to process. On XX/XX/XXXX, I called for an update and was told that my request was still in process. My South Carolina registration had just expired at this point, and I was beginning to worry. My apartment complex does not allow unregistered cars, and I was accruing taxes and late penalties with XXXX state. I also have not been able to drive anywhere, which is a huge inconvenience in the 21st century.
I had a bad feeling about having the same exact script repeated each time I called. I called back to follow up again on XX/XX/XXXX, XXXX, and XX/XX/XXXX, only to be told the same thing each time. One representative said they put an " expedite '' on my request, but so far that has yielded nothing.
Today is XX/XX/2023, and it has been seventy days since I first requested my title.
|
| 05/26/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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I recently received a letter from Volkswagen stating that my XXXX VW Passat has been recalled because of the XXXX airbag danger. I contacted them to set up an appointment to fix the dangerous airbag and they do not have the necessary parts. Apparently it might take from 3 months to up to a year or more to fix my car. In the interim, I can not drive it due to the possibility of scrapnel entering my brain, or injuring my children if the airbag deploys.
I have 11 months left on my lease and VW will not release me from it. So I am left paying for a car that I can not drive. I tried to trade it in for a safe car, but the dealership wanted me to pay even more than what I owe. So I ca n't drive it, I ca n't trade it in and if I give it back, I still have to pay for something i ca n't use.
XXXX and XXXX are at least being classy and giving people loaner cars. VW wo n't supply drivers with loaner cars. VW corporate claims that even though their airbags have been recalled, their cars are safe to drive. I asked them to send me that in writing and they refused.
Can your agency help people in my position. I am one of many in this situation.
|
| 05/19/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I returned my leased XXXX XXXX to XXXX XXXX in XXXX, PA. Upon returning the XXXX I signed a new lease for a XXXX XXXX. The paperwork for vehicle registration was incorrectly submitted. My name was spelled incorrectly on the new lease, which they refused to fix. I paid them {$2500.00} as a down payment on the XXXX XXXX.
The dealership held the money and never sent the payoff to VW Credit until XX/XX/XXXX. They have also documented my end of the XXXX XXXX lease as XX/XX/XXXX.
I have repeatedly asked and called both dealership and VW Credit to confirm that my lease date is XX/XX/XXXX. They refuse. The XXXX of the dealership XXXX XXXX sent me a fraudulent copy of my end of the XXXX lease with his salesman as the leasee and he as the lessor. My salesman XXXX XXXX has since retired.
After a flood in my home on XXXX XXXX XXXX my copy of the XXXX lease and End of the XXXX on the XXXX were destroyed.
I need all the original document.
Other than that I have no proof nor do they that I have a leased vehicle with VW Credit.
They are both documented on the XXXX website for this same problem with many others.
Thank you!
|
| 11/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
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XX/XX/XXXX : App filled out for vehicle loan for XXXX ( owned by VW ) at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Phone XXXX.
Left dealership after receiving numbers for loan. Spoke with sales but not finance. Did not initial or sign with finance. Numbers run for specific model but had not decided on specific model. Was told by sales associate 'it could be adjusted later '.
XX/XX/XXXX : Received credit denial from XXXX XXXX with credit hit and denial for 'Lack of Down Payment '. App number : XXXX. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Phone : XXXX Received no call between dates to ask whether I would be returning for vehicle.
Left message for VW XX/XX/XXXX.
Spoke with finance officer at dealership who became abusive when asked for reason for discrepancy in app paperwork fill out and submission. Stated app was finished. I never spoke with the finance officer, only a sales associate. Finance submitted app after period of 2 and half weeks with no contacts from dealer. I never signed the additional legal from the finance office. Finance officer when asked about this stated it was done 'to teach me a lesson '.
|
| 12/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
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Web |
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After a change in life circumstances and income, I decided I no longer needed a vehicle. VW employees guided me towards surrendering the vehicle, saying it was the easiest way to go about wrapping up the account. I was not aware at the time that it would appear on my credit as a negative account. After surrendering it to VW, I was sent a bill for around {$6900.00} ( the exact amount I do not have available ). I requested details of the work done to the vehicle as well as the sold price, as the remaining balance seemed quite high. This process went on for some time. Each conversation with the representative became more insulting to the point of him telling me that " I need to re-assess my choices in life if I 'm working so much and can not afford to make payments ''. After that interaction I requested to speak to a supervisor. He informed me that I was refusing to communicate with him and that he would mark my account as delinquent. From there it was transferred to one or more other collection agencies. From each of them I have requested the full details of the account and have still yet to receive it and its been several years.
|
| 03/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
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Web |
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On XXXX XXXX, 2015 Volkswagen sold me a XXXX Volkswagen Jetta " Clean Diesel '' for {$24000.00}. This vehicle was sold using fraudulent inducement by Volkswagen - the car contained a emissions testing defeat device and violates Unites States and California laws for vehicle emissions. Volkswagen has admitted to cheating on emissions tests and intentionally installing the defeat device.
My car purchase was financed by Volkswagen Credit, also known as " VW Credit '', which is a wholly owned subsidiary of Volkswagen Group of America. The vehicle sales contract was based on fraudulent inducement and the sales contract should be rescinded. I have sought formal rescission of the contract through legal means. I have contacted VW credit and requested that loan payments for the vehicle be suspended until resolution regarding the sales contract is obtained. The VW Credit representative I spoke to denied any request for suspension of loan payments and threatened to report me to the credit bureaus for any late or missed payments. VW credit offered no other means of resolution despite holding a car loan contract based on fraudulent actions.
|
| 08/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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This is an addendum to Complaint # XXXX.in regards to new information discovered on XX/XX/2019. I received a voicemail from XXXX XXXX of VW Credit in regards to my receipt of an email dated XX/XX/2019 that VW Credit has reported, yet again, that my XXXX payment has not been made. Volkswagen of America was to have made my XX/XX/XXXX car payment on XX/XX/2019 and was told that the process had been started to remove the lack of payment from my credit report. Today, XX/XX/2019 through voicemail left by Ms. XXXX, I was told that the check Volkswagen of America sent to VW Credit had a stop payment on it. I was also told that an electronic payment was made on XX/XX/2019. Why was a stop payment placed on the check? Volkswagen treats a long standing customer with indignity. I am the one whose credit is affected. I am the one who is being played with. Well, this is not a game and Volkswagen ought to be ashamed treating me this way after 22 years as a customer. I wish to rid myself of my relationship with Volkswagen and will take steps to do just that. Both VW Credit and Volkswagen of America have cheated me enough. It needs to stop.
|
| 04/05/2018 |
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
|
|
Web |
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My name is XXXX XXXX. I have been a customer of XXXX XXXX from XXXX through XXXX. My account number is XXXX.
During this time period, for the XX/XX/XXXX payment, i was going to be out of the country and therefore, a payment was mailed in instead of the normal online payment.
However, upon my return in XX/XX/XXXX, I became aware that XXXX XXXX had in fact not received my mailed in payment for XX/XX/XXXX and therefore, they placed a negative reporting on my credit.
A second payment was also made at the time of my return to ensure that we would not be late until they figured out what had happened to the first payment.
At this point today, I am trying to buy a house and this incorrect negative reporting is affecting my approval for the loan to purchase the house.
I have several times to take this matter up with XXXX XXXX and their supervisors that I have spoken to refuse take any initiative or responsibility in assisting me to fix this important matter.
I would appreciate your help to resolve this issue as soon as possible. I can be reached on my mobile at XXXX if any additional information is required on your side.
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| 03/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
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first of i am a XXXX vet, i have two auto loans with vw credit. the XXXX XXXX, i no longer have in my possession as the other primary borrower does. i do not have accurate information as to where he lives anymore but the agreement was for him to take over payments in which he has but he is continuously late and it has been affecting my credit as well as his. i don't want to be on here anymore. i have expressed this many times to XXXX XXXX and they keep offering me the same options that dont and cant apply to me. i can not refinance because he has the vehicle and he does not have a license thats valid, then hes always late on payments. let him ( the other party be solely responsible and remove my name ). this has been affecting me severly as i cant obtain a house to buy let alone even rent because of this. i just want out of this as i am no longer working and cant keep up with having my name on the XXXX XXXX anymore. my credit is dropping bad and i want out of this or have asked them if the have a co-signer/buyer release form or what not. i can not afford to be on this as its detrimental to my health and credit..
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| 10/30/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I was promised verbally, bc VW refused to agree in writing, that I would be able to reinstate my lease after payment. They did not honor that promise. My car was then repossessed on XXXX/XXXX/XXXX & the vehicle contained my work equipment etc. When I went to retrieve my belongings, I was told I had to pay {$150.00} to retrieve them, which I had to pay, in cash. Some belongings were also not listed & missing from inventory list. I was told by the repo company that this was VW policy & the law. I contacted VW, who never responded. Then on XXXX/XXXX/XXXX I received a letter from VW credit that I owe XXXX, there was no detail breakdown included, & I was told that I would owe the remaining payments, along with repo fees etc. My remaining payments were possibly 6 payments, I ca n't get a hold of anyone who will talk to me about my lease, so I do n't have the exact information. My payments were approximately {$570.00}, so I am not sure why I owe so much. I believe my rights were violated by VW financial. Now they are threatening collection activity and have not responded to my written objection dated XXXX/XXXX/XXXX.
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| 09/05/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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On Friday, XX/XX/XXXX I totaled a vehicle that was leased from XXXX with Volkswagen Credit as the financier and lease servicer.
At the time I was 3 months behind on payments, which I agree I owe. This should make the total amount that I owe roughly {$1000.00}.
After totaling the car I submitted a claim with my insurance company the same day, the company agreed the car was totaled by the following Monday, XX/XX/XXXX, and began to work with XXXX to resolve the lease.
XXXX failed to supply the correct paperwork to XXXX which prolonged the time that it took to complete the insurance claim, which allowed them to bill me for XXXX additional car payments following the date that the car was totaled, the date that XXXX agreed it was totaled and began to work with XXXX to make them whole.
I have an issue with being responsible for an extra {$700.00} of car payments that were the result of a clerical issue by XXXX. This seems like it's a conflict of interest. By purposefully submitting inaccurate information to the insurance company they are able to prolong the liability of payments to receive more money.
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| 09/10/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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Hello, My name is XXXX XXXX XXXX and I recently had to return a leased vehicle.
The vehicle a Volkswagen CC R Line, had only 20 miles and gorgeous car. I was pushed to lease the car when I really wanted to buy a car. I was also told that the more money down the less monthly payment, so I paid XXXX out of my 401k right up front. In XXXX we received a letter about the XXXX airbag recall and that our vehicle was being recalled.
On XXXX XXXX XXXX I returned the vehicle to XXXX XXXX in XXXX, KY. They were more than rude because we were not extending or buying the vehicle. I asked if we could have some kind of price reduction and review on the monthly payments since the vehicle had depreciated so much and I was forced to literally drive a ticking time bomb with a defective airbag for the whole term of the lease, even if the recall of the vehicle was not disclosed until later. I drove a vehicle that was not worth the price it sold for or leased for.
VWCredit did not care to even waive the return fee of XXXX nor the property tax remaining of XXXX.
There has to be some kind of refund on the original price.
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| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX VOLKSWAGEN CREDIT INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 09/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have already called Audi regarding this issue and they were not able to resolve it for me on the phone, they told me I need to submit a claim over mail and that it is not guarenteed it will be resolved.
I was told I was set up for auto payments but when time came for the payment, it did not go through and I was not informed. I was only ever informed through XXXX XXXX when the payment his 30 days late and I immediately paid for the overdue payment, the current payment, and the future payment as well. I have never missed a payment in my life for any of my lines of credit. I contacted Audi and asked them to rescind it as the dealership told me I was set up for auto payment but they asked for proof which I did not have. This was only my second payment for the car. I have since set up auto payment myself through the website and I have been up to date with the payment. This reduced my credit score by over 100 points and I have worked very hard for many years to keep my credit score. This single payment has completely destroyed my score. I have attached the payment I made for 3 payments at once.
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| 06/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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This loan was a end of lease purchase : never had a 30 day late although pretty much run loan payment more than 20 days due to other financial reasons. Don't think loan should have been underwritten as a Teer 3, maybe Teer 2 at best due to high utilization not bad credit or delinquency. But this is not my biggest problem, I have some control in the near future in possibly seeking a loan from my credit union. The biggest issue is getting the Robo auto dial calls at least 10 or more times a day, can show on my cell call logs, everyday except Sunday, I think the phone bliss should be illegal, with all the other stress I am currently dealing with is starting to effect my health. I have not missed a single payment on none of my bills, just run over 20 but never 30 days.
I am getting bliss with auto calls from this VW credit on a daily routine, I wish they were local so go pay a visit, but its most likely best there not because you all have no idea what goes through my mind at times that I don't want to disclose. I will be drafting a stop order on phone calls which is protected by Fair Credit Act
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| 09/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Shopping for a loan or lease
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Web |
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I am a XXXX year old student who took out a car loan in XXXX from Volkswagen. Today I Went to my local credit union to refinance my car loan and they said that the income I have which is student loans does not count as income and that Volkswagen Credit should not have issued me the loan. When I got the loan from them I explained clearly that my money was from student loans and I was unemployed and now thinking about it I remember them asking me to fill the form as my XXXX as my employer they said to do that since my financial aid was the money I was living on with the purpose to refinance after several months to get a better rate once I proved more of my credit worthiness. But now I am stuck with the interest they gave me and I am unable to refinance at a lower interest rate because they did they do n't do refinancing because they are not a bank. So I feel misled and misguided when they said to put my financial aid as income since now I have to stick with them and their interest rate. I feel like they lied to me and they lied to the loan people since financial aid ca n't be counted as income.
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| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
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Web |
Servicemember |
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Sued Audi for brand new XXXX XXXX that had over 15 service appointments spending months in service over the course of just 13 months of ownership. Audi agreed to lemon the vehicle, and just as this happened a repossession took place. When I spoke to accounting, I was told I had to pay balance in full of XXXX to have the vehicle returned to me even though they were aware of the lemon statutes. I would have paid the XXXX owed to cure a past due balance. I HAD never defaulted before. Had great credit, finances and verifications for everything when I purchased. I recieved horrible treatment and discrimination when I purchased but I needed the vehicle so I proceeded. Audi Financial sold the vehicle. They never contacted me. My rights were violated. And this needs to be wiped from my record or required to be reported positive only. I paid on time until I became dismayed and Desponded with such an expensive nightmare. My car had no air condition in CA, 120 degrees with the system fully blowing! Brake issues, car would stop unexpectedly, fluid leaks, sensor failures, just to name a few issues.
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| 11/11/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I purchased a vehicle from XXXX XXXX in XXXX XXXX on XXXX. Together with the vehicle lease I also purchased the XXXX XXXX and the XXXX XXXX XXXX plan. However, on XXXX I decided that the XXXX XXXX XXXX plan was not a good plan for me and decided to cancel. I went to XXXX XXXX and officially cancelled the plan with the same financial person that sold me the car. I received the receipt of the cancellation and I was told that the refunded money {$1700.00} would be applied to my account in about XXXX weeks.
Since then, I have contacted both XXXX XXXX and XXXX XXXX periodically after XXXX weeks had passed to get a status updated and I always received the same response : it is getting processed.
Well, it has been XXXX weeks now since I cancelled the plan and to this date, the total amount {$1700.00} has not been applied to my account.
I 'm extremely disappointed with XXXX and the way this issue is being handled. If it was the opposite, with me not paying the monthly payment, they would have already charged me exorbitant late fees as well as potentially taken the car from me by now.
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| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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VW Credit is reporting an erroneous late on my credit file. This late is for XX/XX/21. I had been in constant contact with them because i was going through a hardship and thought i was going to have to give vehicle back because i could not afford to pay them at that moment in time. Once we were nearing the last of my options they decided to work with me and set up a payment arrangement to help get back on my feet. Now i am in a much better position and am able to make all my payments on time. I truly did not intended to be delinquent, my wife was the only one working and we really could not make ends meet. Now that i am in a better position i would really like to move forward in life and buy a home but unfortunately this late notation is really holding me back. I have had this account open for a very long time and hated that i even had to jeopardize my account standing due to this hardship but there was really nothing else i can do. I am asking, pleading, that you remove this late from my credit file. It will help tremendously and i will be able to obtain financing.
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| 02/06/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In early XXXX my XXXX XXXX XXXX was repossessed by VW credit and then sold at an auction. Under Georgia repossession laws VW credit was to have sent me a loan deficiency letter stating what the balance of my loan was. Being that I never received anything I assumed that the debt was satisfied. Now I am in the process of buying a house I see that VW credit is still attempting to collect the loan. Under GA law I should have been notified by VW credit in writing by certified mail any balances owed within 30 days being that they havent done that they can not legally collect on the debt. At the time of having that loan I was going through a very rough financial time and was unable to pay all of my bills my auto loan included. Now I am getting back on my feet and repairing my credit to get a house for my XXXX XXXX and our upcoming family and this debt is preventing that from happening. I am asking that VW credit do the right thing under the law and remove this debt. Please do not punish my growing family for my financial mistakes.
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX
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| 04/30/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Im extremely frustrated in working with vw credit. I leased a vehicle XX/XX/XXXX and decided to buy it out around XX/XX/XXXX. My credit union sent them the payoff and I received confirmation that the loan was paid in full. I bought a new car from XXXX in XX/XX/XXXX and XXXX XXXX the Volkswagen. I got a phone call from my credit union saying they were unable to get my title and that I needed to contact VW. I contacted them XX/XX/XXXX and they asked me to resign some paperwork which I did and never heard anything. Fast forward to today XX/XX/XXXX after speaking to the XXXX dealer who said they still cant get my title. I called VW. VW needs me to resign the same paperwork. Im extremely upset about the process because the car is no longer in my possession and VW has never followed up with me through the entire process. The only reason Im finding out there is issues is through my other lenders. I honestly feel like VW would keep the title forever had I not been alerted from my credit union. There should be no reason they have my title for almost a year after pay off.
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| 03/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I leased a new Audi from XXXX XXXX in Delaware - Made last payment on XXXX for {$1000.00} ( Next payment due on XXXX ) -Traded the lease in to XXXX XXXX in XXXX Md on XXXX - Audi was called by XXXX and sent payoff check of {$53000.00} ( Cashed by Audi XXXX XX/XX/15 ) - Audi/VW financial continued to send be bills stating monthly payment was due - XXXX, XXXX, and XXXX - I called 3x explaining that the car was traded and they cashed the check - After 3rd call ... .Audi stated they were waiting the mileage reading from the dealer to clear the account A. I hope you are not reporting this to credit agency ( I'm never late on anything ) B. Have you contacted the dealer about the form C. Explained this is misuse of the Credit Report ( FCRA violation ... .has nothing to do with payments ) D. Audi never contacted the XXXX about the statement ... ..The car was traded and resold by XXXX XXXX ( XXXX ... .No issues ) My credit score was impacted down 80 points ... .Trying to buy another house I know my rights ... .20 year Credit Card Bank Executive ... .FCRA Violation Clear
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| 06/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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After I was laid off from work I immediately contacted Volkswagen leasing Department and requested a 90 day payment deferment of my lease to give me time to get in contact with unemployment or get back to work.
After I received notice that I had been granted my deferment I called to confirm that no megative remarks would be placed on my credit report and that I wouldnt recieve any late fees. I was assured that none of the mentioned would happen.
After 30 days I noticed alerts showing up that My credit score had dropped and that it was because Volkswagen had reported my account delinquent. I contacted Volkswagen and they said it will be taken care of because it was done in error. Fast forward to today and now 60+ days past due and it was reported again further dropping my score at the end of my lease ao that I have no choice but to get another vehicle with them when I cant afford that now that i am working part time. please help as my lease will be up Next month. Thank you for any consideration. I will attach the letter stating that i was granted my deferment.
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| 03/16/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX RE : Audi Financial Services XXXX XXXX XXXX XXXX XXXX, IL XXXX Website : audi/fs.com Subject : Financial Services Paperless Invoices Audi Financial Services changed us from Paper statements to Paperless statements in XX/XX/2019 without our permission. We knew nothing of this. I then received a notice that I hadn't paid XXXX or XXXX, received a late fee and my credit was impacted negatively. I called 3 times and they said that they could not handle this over the phone and that I had to change it back via the website. I would have to sign up. I signed up and they still won't allow me access to change. I feel that they deliberately make this difficult ( why could they not change it back via phone ) and that they are just doing this to collect late fees and save money on billing. I feel. I want this changed back and a letter sent to XXXX and other reporting agencies and all reporting agencies correcting my credit. I have had stellar 835+ credit for years and now it is XXXX through no fault of my own.
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| 02/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Contacted VW immediately after they gave me this loan. Letting them know, in the future I would be unable to make these payments. I called them again on XX/XX/2019 and the agent lied to me and said there was nothing they could do to restructure my loan. In fact, they have lied almost the entire year I've had the loan about this " fact. '' XXXX XXXX called me back after I hung up out of frustration and was abrasive on the phone, and continued to perpetuate the lie. I heard loud cackling and hysterical laughing in the background. Clearly I was the XXXX of their awful joke.
I was put into an unaffordable loan, from day 1 with no regard for my budget or ability to pay the loan on a fixed income. All of these were disclosed when I made the purchase.
I need to restructure my loan so that I can keep my car. Which I'm living in with my cats. I have appealed to VW Credit on multiple occasions. They know my situation and could not care less. I'm in jeopardy of losing my vehicle, which is also my home, due to the predatory lending practices involved.
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| 02/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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VW Credit does not have a valid enforceable contract. I timely reported the vehicle to be turned in when I was no longer able to pay the loan. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I have no knowledge of auction or any results from my many letters and disputes. I disputed the debt many times and requested validation. I also requested the item be removed from my credit due to failure to properly validate. XXXX failed to conduct a proper and thorough investigation that I am entitled to and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the VW Credit trade line stating "repossession", my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. VW Credit 's actions were negligent and willful and wonton.
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| 06/18/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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In XX/XX/XXXX i leased a 2016 XXXX XXXX for 3 years, and during these years and all my bills were paid on time, and have received multiple calls from Audi financial in regards to assistance with my then account. I return the vehicle in great condition and 10 thousand miles under the yearly usage limit and Upon the return was not made aware from any Audi service member I would be receiving a additional bill or any other notices, and I did not any receive any letters or calls. Six months later i receive a call from a collections agency stating that a bill of over {$500.00} dollars from Audi claiming damages to the vehicle. Before returning the vehicle I recently moved to another residence, so any notices via mail that Audi sent were not received but Audi made no further effort to contact me although they have my direct phone number and have had no trouble contacting me previously. I believe best practices and efforts to settle whatever account issues were not exercised and now my credit has been severely damaged because of this negligence.
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| 09/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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Hello, I got the new XXXX XXXX car from the XXXX XXXX dealership on XX/XX/2020. I signed the lease agreement/contract stating payment of {$490.00} ( including sales tax ). the dealership had my driving license data and picture of my DL. They made a mistake and typed my zip code as XXXX, instead of XXXX.
After a few days later I got a XXXX package from the same XXXX dealership asking me to sign a new contract as they messed up the sales tax calculation on their part and zip code XXXX has higher sales tax than XXXX. So basically my payment should have been reduced not increased., but XXXX increased my payment. I have this newly updated contract with the corrected zip code and I submitted that to VW credit company. They are not willing to adjust my payment. I tried reaching to everyone in XXXX customer care/ XXXX XXXX Dealership but they failed to resolve this issue or not willing to honor my new contract which I have in black & white and signed.
I have attached a copy of the contract for your review and take action against XXXX.
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| 02/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On Saturday XX/XX/XXXX, I signed an agreement to purchase a used XXXX XXXX XXXX at a purchase price of {$10000.00}, with a rebate of {$2700.00}, plus a down payment of {$400.00} which would make a balance to be financed of {$7600.00}. I received my first payment invoice on Thursday, XX/XX/XXXX, indicating my first payment of {$350.00} would be due on XX/XX/XXXX. After reading further I noticed a balance of {$13000.00}. I never received a copy of the Retail installment contract and security agreement. I recall being told that the purchase amount would be financed at XXXX percent for 36 months. After reading that {$13000.00}, as the balance, I further learned that {$350.00} was for 72 months, not 36. I would not have agreed to that. I would be paying over {$25000.00} for this vehicle. I can't seem to get anything done with the dealership or Volkswagen credit. Please help me resolve this matter. I'm not paying {$350.00} for 6 years. 36 months is reasonable. Please assist me in getting this straightened out before my first payment is due.
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| 09/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have a leased XXXX. I am never late. Covid caused XXXX to place accounts in limbo and payments showed XXXX due. As I do not like to miss payments, I nonetheless made a payment in XXXX for two months and mailed it in to their address since it showed nothing due online. See the copy of the payment I just scanned into my computer. Instead of posting this payment, they have reported me late. I am aghast and I never miss a payment. I will now pay the entire amount allegedly due from their website to stop further incorrect and negative reporting.
Please note it's an XXXX lease it's apparently serviced by VW credit. It's even more aggravating considering we are all facing a plague and they unilaterally showed a XXXX balance for months and no payment due and then, in what appears like a self-fulfilling prophecy for financial gain, report you late and fail to post your payment.
Most egregiously they fail to send any communications to account holders regarding how they are handling the plague or alleged late status.
Ugh. Please help.
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| 03/15/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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When I leased my vehicle I was told it would be good to buy a service plan as in the long run you don't have to worry about paying for it later and it is more cost effective. I paid for the all inclusive plan and it would be included in my payments. I later found out that my first ever service is free which is standard for an XXXX ... so why would I pre pay for two more services which in a long run would cost me more money.
I called XXXX XXXX in CA and they assured me a pro rated refund ... I have yet to see the money applied to my principal balance. Last week I called XXXX XXXX XXXX and they promised to resolve the issue and they have not ... XXXX XXXX account # is XXXX ...
The day I bought my car I was told as my credit score may have not been up to par my rate was higher ; and when I asked what does it need to be I got a vague answer ... When you comeback in a few years to lease another car and your score is better you will have a better and lower payment. I feel I was steered.. I need help in getting XXXX to comply please.
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| 11/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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In about XXXX my XXXX XXXX XXXX XXXX broke down. The dealer examined the car and said it was the engine. I informed XXXX corporate and they refused to repair it because it was XXXX miles out of warranty. I provided XXXX with proof of proper maintenance to the car. I made every attempt to resolve this issue but XXXX refused to work with me. They offered to pay for 50 % of the repair. The problem with that is my balance on the loan was approximately {$19000.00}. To repair the vehicle would be {$13000.00}. One half of that is {$6500.00}, which makes the entire cost {$25000.00} for repair and the balance on the car. According to XXXX XXXX XXXX the car was only worth {$13000.00}. I left the car at the dealership and cancelled the contract. It did n't make financial sense to continue to pay for a car that I was n't driving. All correspondence is attached hereto. I 've since found out that XXXX did n't repair the car and resell it but instead is selling it to a salvage company for scrap metal. XXXX should have repaired it and resold it.
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| 04/05/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
Older American |
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I have leased car with option to buy. At the end of the lease I contacted Audi Financial Services to inform them that I want to buy car out at the end of the lease. Usually you pay balance. Company send you title and then you register car at motor vehicle department where you pay sales tax on a balance of the payment. Audi Financial Services told me that now I have to go through the dealership where I leased my vehicle from ( Audi of XXXX XXXX ). That would be ok with me if Audi dealership would not charge me a variate of additional fees which adds up to {$1800.00}. This is highway rubbery. This is not first time I buy a car after lease, but I have never paid anything but balance amount on my lease. If Audi Financial Services outsource this buyout to dealership they have to compensate it not from my pocket but from theirs. There is nothing in my contract I have to pay from my pocket except balance which is indicated in my contract.
Please help me and other customers to avoid blunt violation of our contract with Audi Financial.
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| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared Chapter XXXX bankruptcy. VW Credit stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( VW Credit ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX.
Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to XXXX, VW Credit 's credit bureau reporting has since been updated to only state " Chapter XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my XXXX and XXXX still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on my credit report.
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| 01/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... since I have reached out to the company and again sent all of my information XXXX has accepted the FTC affidavit and blocked all of the fraudulent items except the last one on the report ... it has been well over 4 days since this has been received and accepted by them and they have overlooked the account VW Credit acct # XXXX this account reporting is out of compliance with the FCRA and the statute regarding blocking fraudulent accounts .... I am thinking this is just an oversight seeing as this was the last one on the report but I am requesting that this is taken care of immediately and blocked from my credit file permanently
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| 11/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I bought a used vehicle from Audi in XXXX in Maryland, I financed it thru Audi Financial services. I moved to California in XX/XX/XXXX and since registered my car here, paid the vehicle sales tax and did everything CA requires. I paid off my vehicle in XX/XX/XXXX, it is XX/XX/XXXX and still no title. This is extremely time sensitive as I need to sell my car ASAP. I called Audi about this issue in XXXX, I was told they would investigate and call me back, they never did. I've since called Audi 3 times in XX/XX/XXXX and they continue to tell me the same issue- they don't know but will research and call me back. Every time I call for an update they tell me there still isn't one.
They have confirmed I've paid it off. Last I spoke with them, they told me we could try a lien release form that I could take to CA DMV, they said it would be overnighted and two days later I've never received.
We are going on 10 months of no title since I paid off my car. This is fraud and my title is being withheld with no explanations. Please help.
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| 04/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I leased a XXXX XXXX XXXX through VW Financial / VW Credit XXXX I have paid off the lease a month ago ( XX/XX/XXXX ) and I still haven't received my title. I have contacted the company multiple times since paying off the loan to check the status of title and every time they tell me a different time frame. Latest call was on XX/XX/XXXX and they told me there is no ETA for the title release.
They keep making an excuse that they have a new title vendor because of which it's taking long and they are unable to provide any ETA since its a third party vendor.
They do not provide any escalation reference number nor any email to confirm whether the request has been escalated or not.
Rep that I spoke to on the phone on XX/XX/XXXX said that they haven't even sent out the titles for the payoffs that they received in XXXX.
Please look at this request on priority as I am suffering a financial loss because of this issue. I am paying for the insurance for the car that I don't need and the car value is depreciating on a daily basis.
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| 09/19/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I had a lease with VW Credit started in XXXX. XX/XX/XXXX I decided to sell the car to XXXX XXXX. They did all the paperwork early XXXX My payment that was due on XX/XX/XXXX still came out of my account, although for days I did multiple attempts to reach VW Credit with no luck. At the end of XXXX I finally got somebody on the phone and they said that the XXXX payment will be refunded and I just need to cancel the auto-pay so I did. Today I received a notice from XXXX saying that my XXXX payment is past due and I owe an upcoming payment as well. Although the person on the phone I told me that that was not the case and they had already received the paperwork from XXXX XXXX.
Again, I tried to message VW Credit again with no luck. My fear is this would affect my credit. Is it possible to reach out to them to cancel the payments and give me my money back for XXXX? Reaching out to them has no luck at all and they even acknowledged all paperwork was received.
Thanks for your help.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/20/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/2023, I spoke to Audi Finance about purchasing my vehicle after the lease had ended. The Audi representative sent me the documents ( via their web site ). I completed the documents and sent them and a check, via XXXX, to Audi Finance to buy out my vehicle. On XX/XX/2023, I confirmed with my bank that Audi cashed the check ( see attached ). The representative told me that the title would be sent in a couple of weeks. On XX/XX/2023, I contacted Audi again, and was told that the vehicle title was being processed and that I would get it in 3 to 4 weeks. I called them again on XX/XX/2023, XX/XX/2023 and XX/XX/2023 and was given the same response that I would get my title in the next couple of weeks. It's been 2 months since they cashed the check, and I need my title to re-register the car. I think 2 months is more than enough time and I don't feel confident in the last response I received, which was the end of lease department would contact the title company to send me the title in 7 to 10 business days.
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| 02/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I XXXX XXXX DECLARE THAT ON XX/XX/2023 I BOUGHT A CAR AND OBTAINED A SUPPOSED LOAN FOR A NEW CAR FROM THE VOLKSWAGEN XXXX BRAND, BESIDES THEY PRESSURED ME TO ACCEPT A DEAL THAT THE SAME DEALERSHIP KNEW THEY WERE MISLEADING ME BY CHARGING ME MUCH MORE OF THE VALUE OF THE CAR GIVING ME EXTRA FEES AND WARRANTIES THAT I DID NOT ASK FOR WITHOUT CONSULTING ME FIRST, THEY WANT ME TO END UP PAYING {$63000.00} DOLLARS INCLUDING FINANCING AND TAXES FOR A BASIC CAR MODEL THAT LOSES A LOT OF ITS VALUE ON THE MARKET. BESIDES I DON'T LIKE THE SUV THE SEATS ARE VERY HARD AND OF LOW QUALITY AND I DON'T FEEL COMFORTABLE I ONLY HAD IT FOR 5 DAYS AND I ALREADY RETURNED IT TO THE DEALERSHIP I TRIED TO CONTACT THE BANK AND THE SAME MANAGER OF THE DEALERSHIP BUT THE VW BANK CREDIT HAS NOT GIVED ME ANY RESPONSE WITH THIS PROBLEM AND NOW I AM RECEIVING HARASSMENT BY THE DEALERSHIP THREATENING TO MAKE ME A VOLUNTARY REPO IF I DON'T KEEP THE SUV, I'M NOT INTERESTED IT'S A LACK OF RESPECT AND ABUSE AND I THINK OF PROCEEDING LEGALLY
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| 02/17/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I am in total disagreement with my final bill of {$1700.00} calculated by VW credit bank regarding my XXXX XXXX XXXX First, all 36 payments stipulated in the contract were made including XXXX, XXXX and XX/XX/XXXX which are now billed as deferred payments.
I returned the car one month before scheduled XX/XX/XXXX and I leased a new XXXX XXXX on XX/XX/XXXX.
I was even told on the phone that I had a credit for {$580.00} that it will be sent in a bank check by mail. In a XXXX telephone call a customer representative revised and change return date from end of XXXX to end of XXXX, Based on this information I went ahead with a new lease signed on XX/XX/XXXX. No remainder payment was due on that date.
Today XX/XX/XXXX a final bill indicates 3 deferred payments already been paid in XXXX and XXXX ( made together on XX/XX/XXXX ) and XXXX ( made on XX/XX/XXXX ).
Finally, I am also aware that I was charged on XX/XX/XXXX {$350.00} ( fees? ) I would appreciate a revision and explanation of final payment.
Thank you
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| 06/20/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I discovered that Volkswagen credit reported a 30 day delinquency on my credit report. I disputed it, and XXXX claims they verified the delinquency.
I then contacted VW and they assured me the reporting was in error and would be removed.
I notified the credit bureaus, who refused to remove the delinquency, despite the fact I saved the voicemail from the manager at VW verifying the delinquency was being removed.
I contacted VW and obtained an email AND a written letter verifying the delinquency was being reported incorrectly and would be removed.
I mailed a copy of the email and the formal correspondence from VW to each credit reporting agency. They refuse to remove the delinquency because they previously investigated the matter, DESPITE THE FACT I HAVE WRITTEN CORRESPONDENCE FROM THE LENDER INDICATING THE DELINQUENCY SHOULD BE REMOVED.
If this is not resolved, I will be forced to proceed with legal action against the credit reports. I seek to have this matter resolved without undue delay and costs.
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| 01/18/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I sent two money orders to XXXX XXXX. The first money order was for {$250.00} and the second was for {$490.00}. I inadvertently made one of the money orders payable to myself ( {$490.00} XXXX. As soon as I caught the mistake I contacted XXXX regarding the issue. It was at that time they informed they use robots in their payment centers to process checks. I was informed my check would either be cashed, sent back or destroyed by the robot. The check was processed. XXXX contacted the Federal Reserves to have the funds reversed but it will not be be sent back to me. I was told the funds would return to XXXX XXXX XXXX money order ). I have contacted XXXX XXXX and they outsource their customer service department outside of the XXXX. So communication has been horrible with XXXX XXXX. XXXX should have send the monies back to me. Now I 'm out of {$490.00} which was my payment amount to XXXX. I have spoken to multiple individuals regarding this situation. I do n't sense the urgency to resolve this issue either.
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| 11/20/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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This began when I noticed that the balance on my vehicle had a very drastic jump in the balance. In XXXX of this year there was {$16000.00} owed, but in XXXX Volkswagen said that I owe {$25000.00}. {$9000.00} was added to the balance in just 3 months! Rightly shocked I reached out to Volkswagen and asked for an account ledger because I needed to know where these charges came from. All I received from them was a payment history notice. Not what I asked for. I immediately reached out and again asked for an actual itemized ledger. I still had no idea where this {$9000.00} came from. Instead of sending me the ledger, they repossessed my car in XXXX! I then had to pay {$10000.00} to get my car back. I am in absolute shock and extremely frustrated at how Volkswagen can repossess my car, and at the same time, never even explain to me what these excessive charges are for. Included is the payment notice from Volkswagen. Also the receipts from when I had to pay to get my car back while they refused to help me.
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| 01/28/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I purchased a XXXX Golf R in XXXX from XXXX XXXX in XXXX, VA. I leased the car through VW Credit. At the end of my lease, I decided to purchase the car from VW Credit. Just before this, VW credit billed me for 12 Months of personal property tax on the vehicle for the 2019 year. I paid the 12 Month bill in full to VW credit. I purchased the car off of lease on XX/XX/XXXX. The property tax bill that I pre-paid was due to the County on XX/XX/XXXX. As a result of my purchase, the county notified VW credit that they were only responsible for XXXX Months of tax which they paid. The problem is that I had already paid VW credit for 12 Months. Since XXXX of XXXX, I been unable to receive ANY refund from VW credit whatsoever. Moreover, whenever I call them, they claim they can not see any payments, etc. and will have to make a request to their tax department and get back to me. They NEVER get back to me. This is theft. Their XXXX XXXX XXXX rating is a " XXXX ''. Thats very bad for a lending institution.
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| 06/19/2017 |
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
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Web |
Servicemember |
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I traded in my lease for a XXXX XXXX at XXXX XXXX in XXXX XXXX . I only had 2 months left on the loan. XXXX XXXX was to pay off the vehicle and sent the info to VW credit. In XXXX / XXXX / XXXX I declared Chapter XXXX Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in XXXX and VW Credit continues to report erroneously the status of the account on all XXXX Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as XXXX which in violation of Chapter XXXX which should not show any negative items on the credit report past the date of filing XXXX . Furthermore the vehicle was paid every month and traded in on time. VW Credit is intentionally attempting to damage my creditworthiness.
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| 04/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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Initially leases car for 3 years, at the end of lease decided to purchase around XXXX and was offered 6 % apr. After months of back and forth company stated no longer able to initiate car purchase via email/mail and had to go to an XXXX dealership that in turn said over 17 % apr around XXXX of XXXX with 1st payment due in XXXX of XXXX. I made a {$8000.00}. payment prior to XXXX due date to pay down principal. Around the end of XX/XX/XXXX received call from XXXX who offered a pandemic relief for 12 months, I accepted. In XXXX of XXXX I made another payment of $ XXXX payment towards the principal in anticipation of the the restart of loan. However, when I contacted Audi financial and was advised of around a XXXX balance payofff. The original amount of loan was around XXXX subtracting the amount to have been applied to principal the loan amount shall be around XXXX. I contacted Audi for clarification, Audi has applied all payments to the interest on loan nothing was applied to the principal.
|
| 04/19/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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My lease effectively ended in XX/XX/2020, however I extended the lease because of COVID verbally over the phone for another 3 months. I continued to pay the same monthly lease payment as I had throughout my lease term. I was told on the phone that even after the lease expiration I could keep paying monthly payment and keep the vehicle.
Because of XXXX it was easier to keep the vehicle than explore buying a new vehicle, so I just kept making payments. In XXXX of 2020 I actually came down with COVID. VW Credit was trying to contact me, but because I was sick I wasnt responding. Then out of nowhere on XXXX XXXX VW Credit repossessed the car, not for non payment, but because the lease had expired, however they were still taking my payments.
So to recap, VW Credit repossessed the car during COVID, while I was sick with COVID and it wasnt for non payment.
The vehicle was about XXXX under the mileage allowance for the lease term and I just received a XXXX deficiency bill from VW Credit.
|
| 11/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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I was a victim of Identity Theft, while in XXXX, Ohio. I had my wallet, and XXXX XXXX. The individual or group that stole my belongings, were able to access my checking account information, credit cards, passport information, and information about my mortgage. Being a victim of Identity Theft has caused several issues on my accounts, due to Thousands of dollars coming out of my checking account. This account was open in XXXX of XXXX, and is reflecting late payments in XXXX, XXXX, and XXXX. I explained my situation to the customer service manager, and he stated there would be no late payments reported and that we will work with you regarding this matter. I have worked very hard through school and in my career, and if the company is not able to honor the police report, and police officer statement, and remove the late payments reporting for the months of XXXX, XXXX, XXXX of XXXX. I will file bankruptcy on this account. I would like a response in 30 days, in order to proceed with filing.
|
| 02/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
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Web |
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In XXXX XXXX, I purchased and financed a vehicle through Volkswagen Credit. Shortly after, Volkswagen admitted to having deceived its customers through fraudulent emissions practices in it 's diesel vehicles. The vehicle I purchased was a XXXX XXXX XXXX, a diesel car that was impacted by Volkswagen 's fraudulent practices. I have contacted Volkswagen Credit on several occasions to request that the take the vehicle back and eliminate the loan from my credit. I have been told that if I stop paying the car loan, the car will be repossessed and will impact my credit score significantly. I have continued to pay the loan and am current, but feel that there is rampant fraud throughout this issue. I do n't believe myself or other consumers should have an obligation to continue to pay on financing for vehicles that were sold deceptively. I have made no progress working directly with Volkswagen. Seeing as the company sold and financed a fraudulent product, I am hoping that you can help me.
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| 06/17/2022 |
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
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Web |
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I have a leased vehicle for Volkswagen XXXX with Volkswagen Credit. I have requested to buy-out for lease in XXXX and they provided the instruction with the forms/bill of sale.
Per their instruction, there is an option to receive the title by XXXX if I pay additional {$15.00} so I did complete and sent two different checks for payoff amount and a fee for XXXX.
They cashed checks on XX/XX/2022 but they have not sent the title until XX/XX/2022 by regular mail and I have not received the title yet as of XX/XX/2022.
I have planned to business trip to oversea next week ( will be returning back in XXXX ) but I have to reschedule the airplane because I have not received the title.
During the summer season, the busiest season of the year, it will cost me extra to reschedule the airplane.
I demand full refund of {$15.00} for XXXX and reschedule cost damage for air fair due to their mistake. It will cost anywhere from {$700.00} and more depends on reschedule date per air company.
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| 03/31/2023 |
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
|
|
Web |
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I bought out my lease around XXXX XXXX and submitted all the paperwork at the XXXX XXXX Audi dealership in XXXX, GA along with the check for the payoff amount. Till date ( today is XX/XX/XXXX ), they have not provided me with my title. I must have made at least 20 calls to Audi financial and they keep saying that they have changed the vendor who processes titles for them and that's the reason for the delay. I called Audi financial again yesterday and once again was told, " it will 2-4 more weeks ''.
However, this is ridiculous and unacceptable. They took the payoff amount from me more than 2 months back and now I am stuck unable to sell this car. I need Audi financial to pay the price of this inefficiency and poor service.
I want this info to to be available for the whole world to see and I want Audi financial to compensate me for this delay... or I will share this on multiple social media forums to deter people from buying/owning an Audi around the world!!!
Thank you
|
| 11/09/2021 |
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
|
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Web |
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I lost 3 cars in Hurricane Ida on XX/XX/XXXX. Two cars were dealt with expeditiously. That was not the case with my XXXX XXXX XXXX, leased through VW Financial Services. The car was insured by XXXX. Here is a time line of the frustrating events : XXXX Car declared a total loss by XXXX XXXX I requested a payoff letter from VW Credit XXXX XXXX sent the exact amount of the payoff letter to VW Credit XX/XX/XXXX VW Credit cashed the check VW has insisted on XXXX, XXXX AND XXXX monthly payments, on a paid-off car I have made all those payments Since XX/XX/XXXX I have been on the phone numerous times with VW Credit and now they are trying to say that an insurance payoff is {$6000.00} more than the payoff they quoted me, in writing, verified, and they cashed the check from XXXX.
VW Credit is not releasing the title. Additionally, wait times to contact them run from 35 to75 minutes just to get an agent. My credit score is XXXX, so I am vigilant in keeping all accounts current.
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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|
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
|
| 04/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
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Web |
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|
I recently applied to Audi, for a lease.. I have an applied in the past before. This time the representative at the dealership said that Audi doesn't want to do business with me and has me block and will continue to keep denying my application. I have yet to receive any correspondence from the Audi financial. I believed because I applied in the past in the reason why they are denying, initially when I applied years ago I had some credit issues related to fraud. I have recently removed all negative and derogatory information that was reporting. I have been to court on this issues, filed numerous police report to prove I was a victim of Identity theft.
Audi I belive is now discriminating against me. XXXX I qualify to lease any car, and income I qualify there as well.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX How does a dealership and respond and days Audi financial does not want to do business with you .... I have the recording of the sales rep saying this to me .....
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| 08/24/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
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Web |
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|
I have a car loan through Audi Financial Services. They are not allowing me to access their website to make payments. This has been an issue for a couple months now. I set up the account online and get a message I will be notified when processing is complete. It should not take months to set up an account. I called and was told they could not do anything for 25 days since the last time I tried to log in. I waited the 25 days and called back. After deleting and reloading the Audi app and verifying my information is accurate the agent opened a ticket. I called back a week later to get an update on the ticket and was told the ticket was closed because my information was not matching. That is incorrect as the information was already verified as being accurate. I believe this was the companys way of meeting SLAs for closing out tickets. I still cant access my account online. I want the problem resolved to allow online access to monitor my account. Thanks, XXXX
|
| 07/21/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
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Web |
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On XX/XX/XXXX of 2019, I purchased a XXXX XXXX 2019 at the XXXX XXXX in XXXX, Texas. While the buying experience was pleasant, I did feel somewhat under pressure to purchase. I visited the location just me and my daughter. After the purchase, I felt like I had gotten a bad deal regards the monthly payment and considering that I have zero upgrades in the car but rather the base model of the XXXX line. This was the first time that I purchased a new car on my own and I lack somewhat of knowledge in that area. I was made aware by a friend recently that I had gotten a bad deal for a leased car with no upgrades and the car had 300 miles on it when I received it. My monthly payment is XXXX USD for 48 months. Furthermore, I have to pay for maintenance, I had to pay XXXX dollars to have my tires rotated.
My current Payoff quote amount is : Residual Value : XXXX XXXX Remaining Future Payments : XXXX USD Lease Charge Rebate : - XXXX USD Buyout Amount : XXXX USD
|
| 08/26/2021 |
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
|
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Web |
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I have an issue with the Audi Financial Services. At the end of my lease program, I decided to buy out my vehicle. Maturity date for my lease was XX/XX/XXXX. I overnighted them a certified check in the full residual amount of {$32000.00}. They have received my check on XX/XX/XXXX. Since then, they keep sending me letters that I have never paid off or returned my vehicle and that I will be billed accordingly. I called them on XX/XX/XXXX, spoke with XXXX extension XXXX and was assured they have received my check and it will be applied to my account and I should receive my title shortly. Today, XX/XX/XXXX, I have received another letter in the mail stating that I havent purchased or returned my vehicle yet. I looked up my account online and there is a total due {$620.00}. I keep calling them, they tell me everything will be applied and processed but nothing is being done. They will ruin my credit score. The phone number I am calling them is XXXX.
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
|
|
I purchased my XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX. They got me to finance the vehicle through VW Credit. VW credit set up auto pay with me and told me that it would take 1 billing cycle to be finalized. After the first two billing cycles, the autopay did not finalized and it caused me to miss a payment.
I have been trying to work with VW Credit ever since and they have lied saying that they send me a letter with instructions to dispute in XXXX. I never received such letter.
They will not give me access to my online portal saying that my account is too old. This missed payment was their fault. It is something I am trying to remove from my credit report. I've disputed with the company ( I asked them to actually send me a letter this time ) and I've discussed with the credit bureaus.
I never missed any other payment because I do not miss payments. They missed the first autopayment and lied about when the auto pay would be finalized.
|
| 05/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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|
On XX/XX/XXXX, there was an unauthorized charge of {$250.00} by Audi Financials on my checking account. I contacted the Audi XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX, ( XXXX ) XXXX immediately to try to understand the charge. I left messages with their Financing department and General Manager, but no one has returned my call or reach out as of today. This is a big concern because my XXXX Audi was paid off in full five years ago, and Audi USA notified their customers last year in writing that there had been a database breach. With no help from Audi XXXX XXXX, I contacted my credit union to put a stop payment on the check and reported this incident as a fraudulent charge. And I dont understand why a cancelled check can be redeposit again after five years.
Currently, I have no loss of money but want to know what had occurred, and what Audi Financials will/can do to safeguard my information. Thank you for your assistance.
|
| 11/21/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
Older American |
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I was pressured into signing for a car that I as an XXXX yr old can hardly get in or out of ... my wife can't get in or out without a lot of pain or help the car is a 2021 XXXX XXXX... I have talked to VW leasing to explain my dilemma to no avail... they will not release me from my contract..I spent many hours reviewing paper work and numbers that day and do not think I was thinking clearly when I was explained the terms and my not being able to get out of the deal at all not even after thinking about it and experiencing the hardship of getting in and out of the car... This took place only a few weeks ago on XX/XX/2021 and I have driven the car only a few hundred miles mostly to take my spouse to Drs appointments ... .The car dealership was Volkswagon of XXXX Texas and VW leasing is the financial institution ... I would appreciate any assistance you can provide me... thank you in advance XXXX XXXX, XXXX XXXX XXXX XXXX Texas XXXX
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| 05/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I went to purchase a XXXX XXXX XX/XX/2020. I had been emailing with the salesperson about the price and had been comparing prices at other dealerships. When I explained that I was considering another dealership because of a better price, I was assured that XXXX would match the incentives offered by the other dealership. At the dealership, we agreed on a selling price of a flat XXXX. We agreed on an out the door price of XXXX plus XXXX gap insurance. I put a payment of XXXX down and said I would return later in the day due to child care. When I came back and was signing the paperwork I was assured again of the price. They moved me through the process quickly because I had childcare issues. However, upon examining the paperwork a couple of days later at home, entirely different figures were on the contract. The out the door price with gap insurance was XXXX more than I had agreed on. I was lied to and cheated out of my money.
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| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have an FTC report and police report. VW credit has refused to remove this fraudulent account from my consumer report. I sent XXXX XXXX ( VW credit corporate ) a notarized affidavit of Truth. She is refusing to remove it. VW credit broke the law. The dealership forged my signature. The NY attorney general sued them for restitution in the amount of {$300000.00}. The federal laws that were broken are : 15 USC 1 which states EVERY CONTRACT IS ILLEGAL. 15 USC 1605 TRUTH IN LENDING ACT. 15 USC ( b ) ( a ) ( 2 ) ) : A consumer reporting agency can not put anything on my consumer report without written instructions from the consumer to whom it relates. WITHOUT MY CONSENT IS IDENITY THEFT. FORGING SOMEONES SIGNATURE IS A CRIME. I HAVE ASKED VW CREDIT TO PRODUCE THE WET INK CONTRACT SEVERAL TIMES AND TO NO AVAIL IT DOESN'T EXIST. THEY HAVE ONLY PRODUCED A COPY WHICH IS NOT MY SIGNATURE. THE DEALERSHIP IS NO LONGER IN BUSINESS.
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| 03/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Complaint against Audi Financial Services : Excessive delay in releasing title.
We paid off our lease in XX/XX/XXXX - six months later Audi has yet to release the title. As a result we have not been able to rewew our registration - due XX/XX/XXXX. We are forced to risk driving an unregistered vehicle or pay for extended car rental and will likely encounter fines for delay in registration when we do get the title.
We have folllowed up with Audi Financial Services regularly - approximately every 1-2 weeks and have received shifting explanations, shifting timelines for releasing the title and no resolution. The explanation offered is, per conversations and a letter dated XX/XX/XXXX is " we are currently updating our titling process which may cause a delay in processing times. '' A six month delay is unacceptable and negligent, bordering on fraudulent business practice and we are seeking immediate release of the title.
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| 06/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I decided to buy out my lease at the end of my lease terms in XX/XX/XXXX. I acquired a new loan with a new lender for the remaining value of the vehicle. Even though I paid off the amount with the new loan, Audi Financial Services has failed to transfer the title to my new lienholder because of incorrect Odometer form. My new lender ( XXXX XXXX XXXX ) reached out to inform me that Audi still has yet to transfer the title. I have been chasing and calling Audi Financial services since XX/XX/XXXX to get the form corrected to meet their requirements. Each time, they have informed me that they have the proper paperwork and they are processing it to be mailed out. Every XXXX hours I would call and they would then tell me that the form is still incorrect despite informing me prior that the form is correct. I believe Audi Financial Services is intentionally trying to deceit and cheat me out of my ownership of the vehicle.
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| 08/21/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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XX/XX/XXXX I want to complain about VW credit for their 1 ) Mismanaged service, 2 ) Excessive wait times, and 3 ) Faulty equipment that makes it impossible to pay by phone.
My wife attempted to make a payment on our VW account. No matter how many times I have authorized her to make payments on this account, VW has denied her.
Which means that every time she attempts to make a payment, she needs to reinput all the numbers on our bank account after waiting an excessively long time.
Today, she waited on her phone over 20 minutes to speak to a supervisor in addition to the 15 minutes to wait for a person to take the account number after their system did not accept the account number punched in.
Their attempt to " help '' was to call me during business hours. This is not acceptable as I'm in meetings most of the day. As I already had authorized my wife to make payments by phone, this should not have been an issue.
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| 05/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I purchased my vehicle at Audi XXXX XXXX in California and financed it with Audi financial on XX/XX/XXXX. I made my payments on time, but on XX/XX/XXXX, I parked my vehicle in front of my friends property in the morning, but when I left at XXXX, the car disappeared. First I thought that was due to parking enforcement, but California highway patrol claimed they didnt tow the vehicle. Then I called Audi financial to see if they had the car towed, they claimed they didnt tow it, it was not in procession. I kept contacting police department, and on XX/XX/XXXX, they claimed the vehicle was stolen, and it was marked stolen by Audi. Then I contacted Audi Financial over and over. They kept asking me to wait 24 hours/ 48 hours/ 72 hours to get a response. I never received any callback. And on XX/XX/XXXX, they said I have to pay the balance in full to get the car back, couldnt provide me any reason or information.
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| 08/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX of 2016. Upon receiving the car I continuously had mechanical problems. The car was continuously in the shop with the problem persisting. I missed time from work because I was unable to drive the car due to the mechanical issues. I then moved to Ga and continued to bring the car to the shop. I contacted VW customer relations and was working with a manager I told them constantly I no longer wanted the car because it was inconvenient for me I preferred another car or my funds back. I contacted a lemon law lawyer who begin working on my case. During the time he was working on my case I turned the car in not knowing that it would cause him to stop working on my case. The car was sold and I was never notified about the car being sold I dont know where or for how much. I would like this off my credit due to the fact that the car was in fact a lemon.
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| 09/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Repossession
- Lender trying to repossess or disable the vehicle
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Web |
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Volks Wagen Credit repossessed my car without sending the notice to the correct address, and they claim to have called and left voice messages, but that is not true. The only Voicemail they left was that they were going to come and inspect the car before the lease expired.
After the lease expiration, they wrongfully kept taking payments for the lease via their phone system without informing us that the lease had expired and no payments could be made.
We are a decade-old customer of VW with four cars on lease with them historically and never ever missed payments.
They kept us waiting in long queues in customer service, and after several days, they said that we could buy the car with them only if we created a DD. No other payment method will be accepted, No wire transfer or Credit card payment.
Their systems are old, and they don't talk to each other, and that is why we are in this mess
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| 06/19/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I've been receiving harassing calls every day for weeks from XXXX XXXX XXXX XXXX XXXX, despite blocking the number. They claim to be collecting a debt from Volkswagen Credit, though I've never had an account or any financial dealings with Volkswagen Credit. I called the company on XX/XX/XXXX to have my number removed since blocking it on my phone didn't work, but was required to verify name, address, date of birth, and last four of my social before they would tell me anything further about the claim. They also refused to remove my number unless I verified that information. I would and will not verify any of that private information, and they informed me I will continue to get calls but they will not give me any information regarding the claim or remove my number unless I verify the private information. I suspect this is an identity theft scam since the VW brands had a data breach in XXXX.
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| 04/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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Re : Volkswagon Credit We are prepared to file a lawsuit against VW of America and VW Credit for a wrongful repossession, violation of Fair Credit Reporting Act and violation federal disaster mandates.
The consumer was a teacher, and because she had not been working during the summer months, her account fell behind. In XX/XX/XXXX, during Hurricane Irma, the consumer requested that VW Credit apply a disaster benefit ( payment deferment ) to the account. The benefit was not applied and the vehicle was repossessed in XX/XX/XXXX.
On XX/XX/XXXX, The VW Credit Recovery Department confirmed that the consumer 's account was eligible for a disaster benefit in XX/XX/XXXX, and similar accounts received benefits. The Recovery Department further indicated that had the benefit been applied, the vehicle would not have been repossessed.
Your timely attention to this matter is greatly appreciated.
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| 01/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Volkswagen Credit 's website avoids telling consumers what their actual balance is. The account details page has nothing about balance, the payoff quote page does n't give payoff quotes, just asks for bank account numbers. Nowhere on the site does it have anything about balance. There is a corner where you can download pdf files for offline viewing which so helpfully have PAST statements about two months old, though these focus entirely on the billing aspect, deemphasizing the remaining balance.
However, since I 've made a couple large payments recently, it goes so far as discouraging further payments until two years from now. It suggests I do n't make another payment until 2019 XXXX, and makes a huge deal about how " nothing is due '', and " no payments necessary ''.
In short, they want consumers to be uninformed about what they owe and let their balances sit and accrue interest.
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| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have a late payment on my account because i attempted to pay it online repeatedly and they kept kicking me off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever to the point that i think it was a false number. By the time i had time to make the payment the payment was late even though i emailed the company to please assist me.They also never called or sent me a bill in the mail so i had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureas but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
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| 11/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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On XX/XX/2018, I sent the attached letter to VW Credit Inc. as a formal dispute of erroneous information on my credit reports. I clearly outlined specific errant information on each trade line with official screenshots from XXXX, XXXX, and XXXX. The letter was sent via XXXX ( Tracking number XXXX ). I verified that the item was received. Additionally, I received a phone call from a VW Credit supervisor confirming receipt and asking to discuss the matter. VW Credit has had sufficient time to mark my account on each of my credit reports investigating my dispute, however this has not taken place - despite the clear evidence of outlined errant reporting and inaccuracy. I don't understand why they are not abiding by the FCRA by marking my accounts in dispute. I don't wish to discuss the matter over the phone and prefer all communication in writing to ensure I have a clear paper trail.
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| 03/28/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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On XX/XX/27 I received the payoff amount from a VW dealership and confirmed with both the dealership and VW credit that this is the payoff amount when I traded in my vehicle at any dealer. When I tried to trade in my car, VW then sent a payoff amount for fair market value which was $ XXXX over the payoff amount originally sent to me in writing. I could then only sell the vehicle to their dealer for even less than I was being offering in trade value. Then when I sold it the dealer took an additional {$500.00} off which they did not inform me about until I was signing paperwork. To me this is deceptive and when I spoke to them they stated it could take up to two months for them to send me the equity check. Now they will have the car in their possession for however long it takes for them to send me the check so they will essentially have use of a car that I am not being paid for.
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| 03/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Two years after I received a payoff quote, paid off the car, and completed my obligations to VW Credit, VW Credit will not release my title They claimed that my odometer statement was not done correctly.
I re-sent the same odometer statement that I sent originally, with no alteration.
They said I would get my title in 4 to 6 weeks.
Two months later and they hadn't sent the title.
They claimed it was their vendor 's fault.
I looked for VW Credit on consumer databases including this one, and found that they have withheld titles from many people after payoff.
I looked for legal advice about getting my title back.
I got a bizarre call at home in which a representative for VW Credit told me that I am obligated to tell them the name of any attorney that I speak with.
I entered this complaint, along with a transcript of my interactions with VW Credit two years after payoff.
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| 08/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I had sold the leased XXXX VW XXXX to XXXX XXXX - as VW Credit requested, we obtained the Dealership buyout amount and paid in full XXXX XXXX for $ XXXX Contacting VW credit 15 business days later and they had confirmed that the check was received XXXX XX/XX/XXXX and would have " delays '' processing the payoff due to " large backlog '' and said that it may take them another 15 days.
I called again XXXX XX/XX/XXXX, I believe, and was told the same about the backlog, but that this time it would take them up to another 45 days to complete the process and that my credit may be affected as well as the loan would still show on my account.
I can not wait for that long as this will affect me in many ways as well as my creditworthiness for my life plans! PLEASE HELP! Volkswagen Credit ( VW XXXX XXXX XXXX is NOT running an honest business here and do NOT care about customers
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| 09/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I was placed into a covid-19 pandemic deferral program by Audi Financial back XX/XX/2020 until XX/XX/2020 and the total placed on the back end of the lease ... I was told that a lot of customers are struggling to make on time payments due to inconsistency with income so they were not going to report any negative remarks if more than 30 days late to the credit reporting agencies until further notice and that they are only reporting " D '' for no data on all Audi financial customers that are struggling to make on time payments. For some reason I scheduled my XXXX payment online to be paid on XXXX and payment is due XXXX it didn't transact so it hit on XXXX and was considered more than 30 days late and they reported a late to the credit agencies dropping my credit score and said that it was a mistake and it should have just shown " D '' for no date per the audi fin reps.
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| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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On XX/XX/2020, it was reported that VW Credit INC had closed my account and then added a note. This is reported on my credit report and it is incorrect. My account is active and open. I have ten payments until my lease is over. My next scheduled payment is XX/XX/2020. Also, a note was added which I am not able to see, but on my report, it shows my payment for XXXX is " unknown '' but for XXXX and XXXX its current. This needs to be corrected immediately. I made two full payments for the month of XXXX which is why my next payment is not until XXXX. This is a lazy example of VW Credit inputting wrong data and not verifying nor double-checking.
My payments for XXXX, XXXX, and XXXX were deferred but I made payments on XX/XX/2020, for {$350.00} and on XX/XX/2020, for {$770.00}. My statement for XXXX had a balance of {$0.00} and my next payment is XX/XX/2020 for {$770.00}
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| 05/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I purchased my vehicle from XXXX in 2020 and it was financed through XXXX. I signed a contract for a 3 year term. When covid hit my job was closed and my loan was deferred for 3 months. I was advised by a representative that due to covid that those payments would be waived at the end of my lease due to a state of emergency. The representative signed my name on the deferred lease paperwork. She said due to covid it was there protocol and procedures, so I was unable to review the paperwork. My payments were {$740.00}. In XXXX, i paid XXXX {$1500.00} for XXXX and XXXX because I knew my lease was up XX/XX/XXXX. XXXX has charged me over {$5000.00} worth of fees and will not provide me with a payment ledger or the call from the conversation during covid. They also keep reporting my account as 60 days past due, but how is it past due when I made a lump sum payment in XXXX.
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| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt it has been 30 days and you are in violation of this law because I am a victim of identity theft please delete these items immediately.
These accounts should not be furnished on my consumer report as they are in violation Under, 15 U.S. Code $ 1681b Permissible purposes of consumer reports in general subject to subsection any consumer any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. I am demanding of the deletion of the account listed immediately
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| 03/20/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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XX/XX/20 I called Volkswagen Credit to buy my car out of the lease since it is terming. After waiting 32 minutes, the representative said that I have to go through the XXXX XXXX XXXX to do that. I called numerous times to talk to the finance department without success.
XX/XX/20 I called the dealership again and made a complaint. They transferred me to the sales manager who told me that he would have to run my credit to buy it out of the lease. I did that, but Volkswagen Credit unfairly offered a loan at 11.5 % apr. I reached out to the sales manager about this, but he did not respond. I ended up working a deal with my own bank.
XX/XX/20 I tried to get the Lease Buyout Package spending 4 hours on the phone without an answer. I tried contacting the corporate office, but they just transferred me to hold an additional 30 minutes. I still can not get what I need.
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| 08/30/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
Older American |
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Volkswagen Credit Account No. XXXX As of XX/XX/XXXX, there were three payments of {$310.00} due on the lease. The purchase option for the vehicle was {$13000.00}. Thus, the total due payoff the lease and to purchase the vehicle ( confirmed by phone by me ) was : 3 lease payments x {$310.00} = {$930.00} Purchase option {$13000.00} {$14000.00} The leased vehicle, a XXXX XXXX XXXX XXXX XXXX was traded to XXXX XXXX XXXX of XXXX, Ohio on XX/XX/XXXX. ( See attached Purchase Order ) XXXX purchased the vehicle for {$14000.00} and was supposed to pay off the lease and acquire title to the vehicle.
I was unable to stop my bank from automatically paying the XX/XX/XXXX lease payment to VW Credit, thus I am due a refund of the {$310.00} payment.
Volkswagen Credit has retained the {$310.00} payment and has refused to refund it despite my making a request on XX/XX/XXXX.
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| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am writing to file a complaint against Volkswagen Credit for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in regard to the reporting of my account as 30 days past due for the month of XX/XX/XXXX. As evidenced by the attached document, I paid off my vehicle in full on XX/XX/XXXX. Despite this, my account was not updated to reflect a XXXX balance and a paid-off status. On XX/XX/XXXX, I was falsely reported as 30 days past due, which is clearly impossible given the aforementioned payment information.
As a result of this inaccurate reporting, I have suffered damages to my credit report and mental distress. I request that Volkswagen Credit rectify this situation by immediately removing any late payment reporting and taking appropriate measures to ensure compliance with the FCRA and FDCPA in the future.
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| 10/30/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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Earlier this year I had fallen behind on my lease payments with VW Credit. As of XX/XX/XXXX the total balance on my bill that I had owed them was XXXX. I made a payment of {$700.00} on XX/XX/XXXX. I made another {$700.00} payment on XX/XX/XXXX. My statement due for XX/XX/XXXX showed I had a remaining {$690.00} to pay. I paid the full amount on XXXX. My XX/XX/XXXX statement showed I had a XXXX balance and my next payment was due XX/XX/XXXX which would be XXXX. Today I checked my account and it is showing that I now owe {$860.00}. The additional money they are tacking on is {$210.00} personal property tax and a late charge of XXXX. I do n't know how I could have a late fee due or a personal property tax amount due if I had paid in full and my account was showing a XXXX balance due for XX/XX/XXXX. I do n't believe VW credit is being honest with me on this.
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| 09/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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I have asked for a statement with my rolling balance due on two occasions now. Audi Financial has not complied with my request. My loan payment is on time and paid monthly but I can't reconcile my payments with my balance due.
I made payments in the months of XXXX, XXXX and XXXX of 2021 for a total payment of {$1900.00} ( {$630.00} per month ) However my statement balance on the vehicle only went down {$460.00} dollars. I am NOT familiar with this math, my interest rate is 5 % so my question is where did the {$1400.00} in payments go? If not to pay off my balance and or interest? How does AF come up with their numbers.
When pushed for a response I received a " shell game '' response to the effect of... well if this, then that and it depends on if you request the payment to go the loan or the interest or the next payment or, or, or. NOT acceptable.
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| 10/06/2022 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I 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.
When the car was repossessed, I did not receive any information on the car such as ; 1.if it was sold or going to be auctioned off so that I could have a chance to redeem the car. 2. For years they have been reporting two different amounts as to what I owe. 3.Ive contacted them on numerous occasions to send me validation of this debt, and the amount it was sold for. I also had GAP insurance on this car which means some of what I owed was paid off. I have yet gotten a response. I am requesting this account be taken off my credit report.
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| 01/13/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Volkswagen Credit never disclosed my right to dispute the debt.
I submitted a debt dispute to Volkswagen Credit. I have been told that they do not have to provide debt validation. Another agent informed me that they will not provide the documents that I requested, but she could submit what they send for a debt validation, which is a debt validation cover letter, copy of the contract and the payment history. - I still have not received this.
I was told that they dont respond or deal with people like me who use sovereign person language.
I have requested a notice to rescind from Volkswagen Credit and they refuse to submit the proper documentation to me. I have asked for this 3 times.
In writing and on a recorded line, they continue to violate my XXXX and FDCPA. They refuse to disclose my documents and the information that they are obligated to.
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| 03/08/2018 |
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
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|
Web |
Older American, Servicemember |
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Recived a bill for over {$3000.00} in Excess Wear and Tear Totaly not true Added a blacked out packet to my lease XXXX with orginal XXXX Parts Recived a condition report with Numerous replacements required that didnt need replacing Inspector from XXXX XXXX added charges for item not missing Listing of my care with after market wheels not true at time of turn in my car had its orginal XXXX Wheels Also being charge for body damage already was repaired befor Turning in XXXX I feel its XXXX way of off setting there cost when car is sent to auction In other words XXXX will do nothing to the car like mine sell it on there web site And charge leasse like mysef a inflated Unfair Costs Total Abusive Business Practices To make matters Worse Inreleassed a brand new XX/XX/2018 XXXX XXXX If I known about audis unfair charges I would never ever lease another XXXX
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| 03/15/2023 |
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
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Web |
Older American |
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I am in the process of buying a vehicle at my lease end from Volkswagen Credit. On XX/XX/XXXX, I mailed the package of required documents including a certified check for the purchase via XXXX XXXX. On XX/XX/XXXX, I called to confirm that all was in order and was told that all documents were properly completed and that my check had been received. I was also informed for the first time that processing would be at least 4 additional weeks because of a backlog. This is unreasonable and unacceptable. Volkswagen Credit now has my money and no doubt earning investment income from it. At the very least I should receive some amount representing the interest I did not earn on these funds. What's more, if Volkswagen Credit is more than a month behind in processing, how much is the company holding in customer funds and are they earning money on those funds?
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| 06/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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On XXXX XXXX, XXXX I returned my XXXX Volkswagen TDI to Volkswagen as part of the TDI diesel settlement. On XXXX/XXXX/XXXX I asked Volkswagen Credit of America why even though my account is being shown as closed why {$12000.00} is still being shown as an open amount by credit reporting agencies. On XXXX/XXXX/XXXX they sent me a XXXX balance letter an indicated that it would take 30-90 days for the credit reporting to take affect. The first of XXXX XXXX I contacted the Volkswagen Credit of America Toll Free number and was informed that they would forward to a special credit reporting group and send me a letter when completed. As of XXXX XXXX, XXXX the balance is still being shown as open by credit reporting bureaus. Since my loan was paid in full on XXXX XXXX, XXXX I wish to show the open balance of my account with VW Credit as XXXX.
|
| 07/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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On XX/XX/XXXX, I contacted Volkswagen Credit and informed them I received my car title and my name on the title was not correct. I was advised to mail the title back via regular mail and they would correct the issue. I mailed the title back on XXXX XXXX via regular mail as advised. On XX/XX/XXXX, I contacted Volkswagan Credit again that I have not received the title with my correct name. I was advised to go to DMV and they would fix Volkswagans mistake since that title is in my maiden name. I updated my legal name with Volkswagan in XX/XX/XXXX and was advised no additional paperwork was needed to update my name change. On my online account my correct name is listed. The DMV treats any changes to the title without the title as a duplicate and charges a fee. I am just looking for Volkswagan Credit to correct my title with my correct legal name.
|
| 08/29/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have previously sent this collector a request on XX/XX/XXXX to validate this debt as well as sending a letter to XXXX and XXXX.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you they I allegedly owe you. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them.
Since they are still reporting this account on my credit report, they are now in violation of the FCPDA. This account is also past the statue of limitations as it is reporting as opened XX/XX/XXXX, which has surpassed 5 years and this collector has reported this as a charge off but once I disputed it they changed the balance from {$0.00} to {$6600.00} stating this is the balance owed as if theyre still coming after me, which is a violation of the FCRA!
|
| 02/01/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
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|
Completed a 30 month lease with Audi Financial Services for a 2016 XXXX XXXX.
Lease was fully paid, on-time and never late once through VW Credit ( XXXX XXXX ).
A few days prior to the lease turn-in date, the car was impounded by the Police.
I was unable to return the vehicle on-time and XXXX put a {$39000.00} hit on my Credit.
The vehicle was recovered by XXXX and they are in possession of the Car now.
The pending court case got dismissed and XXXX ( VA ) County is liable for damages.
After numerous calls with XXXX ( VW Credit ) and the Credit Bureaus this amount is still fraudulently being reported on my Credit report, dropping my FICO score by over 100 pts.
The only charges I am responsible for are Mileage, Wear/Tear, and Deposition Fee.
This compliant is to dispute this amount with the FTC as Fraud and Inaccurate.
|
| 04/25/2023 |
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
|
|
Web |
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I have tried for two years to get the title to my car from VW Credit after purchase.
After my initial complaint to CFPB VW Credit sent the title to my car without providing me with the bill of sale. It's not possible to transfer this title to my name without a bill of sale.
When I received the title I found that it was signed on XX/XX/21 with the odometer reading from my odometer statement included, proving that they did receive my odometer statement two years ago.
VW Credit withheld my title for two full years without cause. They are now withholding the bill of sale necessary to transfer this title into my name.
VW Credit lied to me about the status of my title, lied to me about my right to legal counsel, and continually frustrated my attempts to have the title to a car I purchased two years ago transferred into my name.
|
| 09/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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I moved to the XXXX from XXXX, so I was required to register my car as a new resident. I went to the Florida DMVXXXX XXXX Tax Collector XXXX XX/XX/2023 to start the registration. Over the next 2 months, the Tax Collector tried on numerous occasions to request the title from Audi Financial/VW Credit in order to complete the registration but received no response. I contacted the Texas Department of Motor Vehicles and they confirmed that a copy of the title was sent to Audi on XX/XX/2023. However, Audi claims that they can not locate it. I have called Audi multiple times to have them request the title again. None of their representatives seem to know why its taking so long to process the request. The current registration for my vehicle has expired and I can not renew it because I no longer live in XXXX. How do I get this resolved?
|
| 09/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Several months ago, I was going to go to a job interview to see that my XXXX XXXX was wrongfully repossessed. I had called Volkswagen to have 2 payments differed due to the COVID-19 pandemic. I called Volkswagen because I knew something didnt make sense. They listened to old phone call records to hear where the representative at Volkswagen agreed to the differed payments but never notating the account. They returned my vehicle 2 days later.
In XXXX of XXXX, I traded that vehicle in for a XXXX XXXX where the dealership paid the remaining balance on the loan. I called that dealership on XX/XX/XXXX to confirm and they did pay the loan and the vehicle is now registered to someone else.
On XX/XX/XXXX I tried purchasing another vehicle to learn that there is a repossession on my credit report from Volkswagen when there shouldnt be.
|
| 05/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
i no longer have the original lease documents for this car, but lease origination date, term, and number of payments received are all very clearly visible on my credit report as reported to XXXX and XXXX by VW Credit Inc.
The lease started in XX/XX/XXXX with a term of 36 months. My credit file shows on time payments each and every month through and including XX/XX/XXXX so 36 months, 36 payments due and 36 payments made.
For the time period from XX/XX/XXXX through XX/XX/XXXX the loan was reported as Account Status = Closed, Payment Status = Paid/Never Late. For some reason in XX/XX/XXXX VW Credit Started reporting again on a lease that had been closed out for a year and is now showing it as Payment Status = Paid, was a repossession. Repossess a car on a lease which had ended and was paid a year prior?
I don't get it.
|
| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, VW CREDIT has violated my rights. Regarding alleged accounts # XXXX, 15 U.S.C. 1681 section 602 A. States I 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
|
| 07/27/2021 |
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
|
|
Web |
|
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I have leased a XXXX XXXX 2020 for 39 months. With XXXX, my car has been sitting idle with very low mileage, and I wish to get out of the lease and recover my investment.
VW gives me a payoff quote of {$22000.00} which fully covers all their lease payments for the remaining 20 months.
When I go to XXXX to sell it to them ( the most expedient way a consumer could sell and move on ), VW prevents it and gives a ridiculous {$29000.00} payoff amount to XXXX.
This is completely unfair and unethical. Why should they have two different payoff amounts? It hurts the consumer that is trying to get out of such situations in these tough Covid times.
This needs to be addressed as I am sure thousands of consumers are suffering from this atrocious business conduct.
Thank you CFPB for investigating and representing the Consumer!!
|
| 08/21/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I leased a vehicle at XXXX XXXX XXXX in XXXX. When the lease was up, I paid Volks Wagen Credit balance in full via wire transfer, I requested a paid in full letter which I received. This all transpired XX/XX/XXXX. I decided to sell the vehicle last week, XX/XX/XXXX. I discovered Volks Wagen Credit had a lien on the title, I contacted Vw credit and the said it was XXXX XXXX XXXX problem. I called XXXX they said it was Volks Wagen Credit mistake. I called VW credit again and they said they sent the release to the DMV and it would be two weeks! I lost my buyer, and now I 'm told I need to go to DMV and request Title. I paid in full {$15000.00} and a year and a half later they still have a lien! How many vehicles to they reposes with a false lien?????? I have to take a day off work to go to DMV and find another buyer.
|
| 05/26/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This credit company vw credit inc leased me new car back in XXXX and its brand new and it ghastly full coverage insurance, My father drove it one day and he got into a car accident which totaled the car and the car wasnt drivable with that being said the insurance paid the vw credit inc. and now I see my credit is damaged by them and I kept calling them and once I handle them my information they constantly keep me on hold and the kept adding more money that I owe on the account with the car being totaled my name is XXXX XXXX my social is XXXX and I am furious by the VW CREDIT INC I beg for help because I am trying to build my future and live happily and constantly they are making me upset I hope you feel the frustration I am in, I tried numerous times to dispute it from both XXXX and XXXX and they wouldnt let me
|
| 01/19/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I had a loan from VW Credit for a XXXX ( involved in the diesel cheating scandal ). They repurchased the car from me on XX/XX/2016 - and repaid my loan in full that day. ( Actually, the repayment was MORE than full, as it did not take into account the monthly payment I had made on XX/XX/XXXX ). On XX/XX/XXXX, XXXX auto-debited my checking account for another monthly payment - despite my loan having been paid in full the prior month.
This has caused a cash-flow problem, as my NEW car is also set to auto-debit tomorrow - and I do n't have sufficient funds in the account to make the payment, now that XXXX has inappropriately debited my account.
I 'm suspicious of why this debit took place - despite the loan being paid in full - on the heels of XXXX 's involvement in systematic fraud in their emissions cheating.
|
| 11/10/2020 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
Audi Financial Services provided a deceptive account statement, recorded my bankruptcy reaffirmation and then shut down access to online payments as well as discontinued sending additional billing statements.
Please see the attached last billing statement that reflects 59 payments made and one remaining. The last payment or 60th payment was made on XX/XX/2018. Audi Financial Services proceeded to charge off my loan without any notification when it should have been paid in full.
I have since paid the charge off as result of the substantial harm to my credit and ability to obtain additional financing. Note the date on the statement is XXXX XXXX-what year is that?
Also, it has been over 60 days since I paid the disputed charge off and I have still not received a satisfaction of lien or paid in full contract.
|
| 10/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I bought a XXXX XXXX XXXX in XXXX and I finish paying for it in XXXX XXXX I did not get a Title from XXXX XXXX . The suv was financed by the XXXX XXXX XXXX The XXXX was bought to use in my business : XXXX XXXX XXXX XXXX as XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, SC XXXX.
I paid XXXX for a copy of the title in XX/XX/XXXX, and when I did not get it I went to the XXXX XXXX XXXX XXXX and was told that there was leinhold on the Title. XX/XX/XXXX I call XXXX XXXX and was told that I would get the title in 10 day.
After more than 6 weeks passed I called them again. I a still waiting on the title and ai a unable to sell the XXXX XXXX. I am still paying Auto Insurance and State Tax.
Please help e to get my title '. XXXX XXXX XXXX XXXX # XXXX my email XXXX telephone XXXX XXXX Thanks for your help XXXX XXXX
|
| 09/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
My Car Loan financed from Volkswagen Credit for my 2016 VW Jetta S was paid off on XXXX. My early cancellation of Service Contract refund of {$1100.00} was sent to VW Credit on XXXX instead of sending it to me.
It has been more than a year Volkswagen Credit has not issued that refund back to me since I had my account closed already by paying off all loan amount to Volkswagen Credit.
I have been calling VW Credit in every few days to request for refunding me amount of {$1100.00} and has been receiving the same message over call that they will get back to me with an update, however no call backs are received from past one year.
My enquiries with XXXX Volkswagen of XXXX reveal that Volkswagen Credit has cashed that check already on XXXX but no further action taken by them to refund me that amount.
|
| 11/03/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
Due to a system upgrade, according to the company, my monthly statement has not been accurate since XXXX. I have called every month due to my statement showing a past due amount even though I pay more than the payment amount every month. Every month I am told a new story ; from system issues due to the upgrade, to it has been corrected but your account must have slipped through the crack, to I have opened a ticket to have your account corrected, to this month it is still not accurate due to their system issues have not been resolved. I have had my car for 9 months and my statements have been inaccurate for 5 months. I am only able to access 3 months of statements from my online account. Every time I call, I am told that the amount I am paying monthly is correct and to disregard the past due amount.
|
| 07/31/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XXXX XXXX, 2016, my wife and I went to Volkswagen of XXXX XXXX to get details regarding the leasing of a VW Tiguan. Before we leased the vehicle, I asked the sales representative if there would be any hard inquiries on my credit, and he said that there would not be any. Since we were leasing the car, he stated, there would not be the same type of hard inquiry you would get if you bought the vehicle outright. Today I performed my bi-annual check on my credit score and noticed a total of two hard inquiries ; one from Volkswagen of XXXX XXXX and one from VW Credit. These hard inquiries were neither authorized nor discussed while at Volkswagen of XXXX XXXX. As such we would like these two hard inquiries removed, as we did not even end up leasing the vehicle at the end of the negotiation process.
|
| 04/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Today XX/XX/23 i went online to the banksters website : V.W. Credit to get a payoff quote their website refuses to provide me with this information which is readily available to them, instead refers me to any V.W. dealer, its apparent they want to make this really difficult almost impossible to attempt to fraudulently force me into staying with this sorry customer service brand ( V.W. ) So i go to my local V.W. dealership in FL called XXXX XXXX. a very nice gentleman by the name of XXXXSales Mgr tells me he can not provide that information unless i leased the XXXX with them how can this be? He says he does not know why he can not provide the info since its right in front of him & available. Instead im told to drive an hour north to the dealership i leased it from. This is totally unacceptable.
|
| 11/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
In XXXX of 2020 I purchased XXXX vehicles from volkswagen of XXXX XXXX XXXX.On this date this company was in violation of 15 usc 1605 ( a ) 1-5.Definition of finance charge.This finance charge was never explained nor used as it should be, and I as a creditor extending my credit and as a consumer was violated according to this law.truth In lending act was never followed and this company committed fraud in accordance to 15 usc 1605 1-5 ( finance charge ) and 15 11611 1-3. ( willlful and knowing violation ) .15 usc 1605 ( a ) states, '' the finance charge shall not include charges of a type payable in a comparable cash transaction '' .this company has been charging me and took a down-payment when I bought the vehicles when my extension of credit has already purchased the vehicle according to law.
|
| 11/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I received a loan from VW Credit which is a part of XXXX of XXXX for a 2015 XXXX XXXX XXXX. The vehicle is currently out for repossession and with the court preventing VW from selling any of these vehicles they are not willing to negotiate with me on the final balance. My fear is that they will take the car back and that I will still be responsible for paying the entire {$43000.00} loan amount. I have suggested that they take the car back and forgive my loan or wait until I am able to accept the VW buyback and then give them that amount and forgive the loan. I fell that this car was sold to me under deceptive and unfair trade practices by VW and VW Credit ( which is the same company ). I want to know what they will give me for the vehicle since there is no fix for it and they can not sell it.
|
| 12/16/2019 |
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
|
|
Web |
|
|
VW credit is sending me fabricated bills about a lease that has already ended, in XX/XX/2019, WITH A BALANCE OF XXXX. This lease was CORRECTLY TERMINATED, VEHICLE WAS RETURNED TO THE DEALER IN PERFECT CONDITION WITH NO DAMAGE WHATSOEVER. Dealer documents show an ending balance of XXXX. Recently, I started receiving " Turn-In Settlement Invoice '' bills from VW Credit about this terminated lease which are NOT EVEN DATED and simply state " payment due upon receipt '', and provide NO EXPLANATION WHATSOEVER about what they are for. Two such bills were received. I informed VW Credit by fax to the corporate office twice, once for each bill received, that these are not correct and will not be paid - but they have not answered my communications and continue to send the same bill over and over again.
|
| 12/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
HAVING AN ISSUE WITH XXXX CREDIT, MY ISSUE IS THAT MY CAR IS A LEMOM EVER SINCE I BOUHGT IT XXXX 2014 ALL IVE HAD WAS ISSUES I HAVE NUMEROUS SERVICE RECORDS AND MY COMPLAINTS AND ISSUES COMPLY WITH THE LEMON LAW. IVE CONTACTED BOTH COMPANIES AND NEITHER HAVE BEEN WILLING TO HELP ME. IVE HAD TO RESORT TO BUYING AN OLDER VEHICLE TO GET ME AROUND. IM IVE BEEN FALLING INTO FINANCIAL ISSUES NOW BECAUSE OF ALL THIS AND NEITHER COMPANY SEEMS TO CARE. IM HONESTLY RUNNING OUT OF OPTIONS AND IM ON THE BRINK OF HAVING THE CAR REPOSSESSED AND IM NOT SURE WHAT TO DO. I DO NOT WANT THE CAR BUT AT THE SAME TIME I DO NOT WANT MY CREDIT RUINED. I WAS IN THE PROCESS OF TRYING TO BUY A HOME AND I CAN NO LONGER BUY IT BECAUSE OF THE NEGATIVE INQUIRES BY VOLKSWAGEN CREDIT.PLEASE HELP IM NOT SURE WHAT ELSE TO DO.
|
| 05/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
In 2020, I consciously purchased an Audi XXXX and added an Audi Care plan to my contract. The salesperson clearly explained that Audi Care would prepay for my vehicle 's services, including oil changes and tune-ups. However, when I went to the Audi dealership for service, I was denied free service because the dealership had no record of me being charged for the Audi Care plan. Despite trying to use my Audi Care plan again, I faced the same issue and ended up paying for my services out of my own pocket. I then contacted Audi Customer Service for a refund but was told that my plan had expired. This is unacceptable, and I demand a full refund for the amount I was charged for Audi Care. I believe I was misled and taken advantage of, and I expect Audi to rectify this situation immediately.
|
| 07/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I recently paid off my auto loan Volkswagen Credit. At inception of the loan, I was required to send Volkswagen the Ne York title to my vehicle securing the loan. At pay off, I received a letter from Volkswagen Credit stating that I must go to my local Department of Motor Vehicles to obtain a free and clear title, but they did not send me original title back. I do not believe I need new title under New York law but all I need is the original title and the XXXX Lien release document to prove my title is free and clear if I wish to sell the vehicle. By not providing me with the title, Volkswagen credit is causing me to incur undue expense of taking time of work and cost of a replacement title when this is not necessary. I want my original title back to my vehicle from Volkswagen Credit.
|
| 03/21/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I have leased XXXX XXXX vehicles from XXXX over the last decade and have never had an issue. My XX/XX/XXXX XXXX XXXX lease is complete on XX/XX/XXXX. I only used XXXX mile of my XXXX mile lease and my vehicle is in perfect condition so it is worth more than my residual payoff balance is {$22000.00}. I decided not to purchase another XXXX vehicle because of poor service and was offered {$24000.00} for the vehicle as a trade in. However, the payoff quote issued to the dealer was {$25000.00} when my contractual payoff with XXXX if I purchase the car is only {$22000.00}. I have been told that XXXX is the only brand that has this practice to prevent customers from purchasing brands other than XXXX. I can not believe that they would treat their customers so poorly in order to make a XXXX.
|
| 04/13/2022 |
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
|
|
Web |
|
|
Account : XXXX VIN : XXXX - 2019 XXXX XXXX XXXX XXXX : I am writing to you in hope to get some help!
End of my lease on a vehicle from VW Credit , Ltd and paid off was sent over 9 weeks ago and have not received my title!
How does a company such as VW is not held accountable for their actions, when received consumers fund and not processing the rightful owners title in a timely manner?
Attached please see the documents that reflect my complaints.
What would happened to many consumers who do not have the means nor the language ability to reach out for help and protection? Where do these consumers stand? and who will speak out on their behalf?
Many thanks in advance for taking to time to view our concerns.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX GA XXXX XXXX
|
| 10/01/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I leased a car with VW. I never missed a payment and was never late. At the end of the lease I turned the car in in perfect condition and had XXXX balance remaining. I followed all terms of the agreement. VW put on my credit report that the account was closed due to bankruptcy and in default. I do n't know why they refused to remove there error or fraud but it is hurting my credit. VW is knowingly placing incorrect information on my credit and refuses to correct with the intention to harm my credit. VW refuses to explain or send any information. Having this fraud on my credit is going to cause me to pay higher interest on the new home I am buying. Once my loan is complete I plan on pursuing this in court for Financial damages they are causing and violations of my credit rights.
|
| 04/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off the vehicle on XXXX I called on XXXX inquiring about my Title, was told that it will take 10 days to process. Per Volkswagen Credit FAQs it's ten days but that time has passed. I called and spoke to 3 separate specialist giving different answer each time. I spoke to specialist on XX/XX/XXXX was told that i would get the lien release in 3-5 business days after VW was already late. I called on XX/XX/XXXX asking for tracking number for my title and was told by another person that it will 5-10 days instead of the prior 3-5 days. They switch title vendors in XX/XX/XXXX and this is still a problem which is unacceptable. Every day of delay i can not sell my car which affects the price, along with registration and insurance payments for a vehicle I can not legally drive.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Debt collection Attempts to collect debt not owed Collections is not from original creditor. I do not owe VW CREDIT INC and I do not have a contract assigned to VW CREDIT INC. VW CREDIT changed the credit report to act as if they are the original creditor and also hard inquiries. I've never knowingly entered into a contract with VW CREDIT INC and I've asked for the credit application which they refuse to provide also.
I have given VW CREDIT INC multiple notices XX/XX/2020 XXXX to remove this off of my credit to no avail. This matter is now being litigated.
4. What product or service is your complaint about?
SERVICE I've requested VW CREDIT INC to provide me with proof of a bill of sale and the documents that are required per Wisconsin law and the refuse to provide them.
|
| 09/07/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/2022, I sent a certified letter to VW Credit which was received on XX/XX/2022. I asked them to show documented proof that the repossession account listed on my credit reports belongs to me. It has been over 30 days and I have not heard from VW Credit at all. This is unacceptable! To ignore a consumers dispute and not respond at all is a direct violation of the Fair Credit Reporting Act 1681 that unequivocally states within 30 days the reporting agency shall investigate or delete the item ( see attached law ). Since VW Credit ignored my dispute and violated the Fair Credit Reporting Act, and violated my right as a consumer, I want this derogatory repossession account immediately deleted from my credit reports ( XXXX, XXXX, and XXXX ) as stated in the FCRA XXXX!
|
| 03/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On XX/XX/XXXX was my last payment for my XXXX XXXX XXXX, ( as shown in the screenshot enclosed ) I did the payment by {$680.00} on XX/XX/XXXX, as of XX/XX/XXXX the balance is XXXX, however, still appears 1 payment remaining? Suddenly today, XX/XX/XXXX appear a balance of XXXX due on XX/XX/XXXX ... no explanation? When I call to XXXX financial service, told me that could be due to interest, but either they understand why! or can give me an explanation, I reviewed the contract where says what changes may take the form of a large or smaller final payment if that occurs, we will send you a notice telling you about these changes before the final scheduled payment due, but I didn't receive any note ... the amount of my final payment was of XXXX as can see in the screenshot.
|
| 06/21/2023 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I had a lease with Audi/VW Credit and due to life changing events was looking to break a lease. Unfortunately could not find an acceptable solution with the lender. By some events solution has been found with 3rd party ( a company ), that took a car from my possession and promised to make payments ( by a written agreement/contract ). Unfortunately the company I mentioned before was the fraud company, that has been sued by the government and Im the victim on a case. I tried negotiate credit reporting with a lender but it had no success. An account has been settled/satisfied. I believe its unfair to be responsible on 100 % for what happened due fraudulent component. I would like to remove the VW Credit/Audi account from my credit reporting file with all 3 bureaus.
|
| 09/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I continuously request my payment information be removed after every payment is made. Every time I call to make a new payment, they STILL have my financial information on file. They continuously LIE to me by saying there is no information on file until I say I want to make a payment and all of a sudden they have my bank information. This is EVERY month between the XXXX the month and the XXXX of the following month.
In addition, I have requested my loan documents twice. I have not received them. Worse, I was NEVER given a copy of my loan documents at the time of the loan. The dates of the requests are : XX/XX/XXXX and XX/XX/XXXX. I was told the documents would be expedited and that I would have them by XX/XX/XXXX. As of XX/XX/XXXX they have not arrived. Again.
|
| 04/19/2023 |
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
|
|
Web |
|
|
Hello, I paid off my VW lease on the XXXX of XX/XX/2023.
I was told that I would have my title within 10days of the payment. It is now XX/XX/XXXX and still no title. I even Paid extra to have the title sent faster to my home.
I have since sold my vehicle and the party that it was sold to will not release funds until they have the title.
This process has caused hardships for me since I cleared out my savings to payoff the balance and sell the vehicle.
I am also requesting that VW pays me back for the last 2 months of payments due to this issue. I have also called VW and they told me that they are backed up with title issues and they can no do anything about it. That seems unfair to me since they already have taken my money and I do not have the title.
|
| 06/25/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
VW CREDIT XXXXXXXX {$17000.00}
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
COMPLAINT RESPONSE- I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
VW CREDIT ( This Collection Is Not My Account ) ID theft ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/2021 ( SEE ATTACHMENTS - POLICE REPORT-ID THEFT- FRAUD ALERT )
|
| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting Act XXXX Account # XXXX, Volkswagen Credit, XXXX XXXX and XXXX XXXX has violated my rights.
15 USC 1681 Section 602 states " I have a right to privacy ''. 15 USC 1681 Section 604 A Section 2 : It
also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S. Code 1681a - Definition ; rules of construction - Exclusions. - Except as provided in paragraph the term " consumer report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 03/16/2023 |
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
|
|
Web |
Older American |
|
I had a lease for a XXXX XXXX XXXX, 42 monthly lease payments of {$830.00} Audi Financial took the last payment due in XX/XX/XXXX ; the lease terminated in XX/XX/XXXX I submitted a check, which Audi cashed in late XXXX, to purchase the vehicle for {$29000.00} at end of lease Its now XXXX and I still dont have the title, odometer statement, or bill of sale Today ( XX/XX/XXXX ) Audi said its with a third-party vendor for sending me the completed documents, but they werent sure when that would be.
The agents/employees for Audi have provided bad information such as were short on staff because of covid, were using a third-party vendor and theyre backed up, and Im assuming child care is in issue as one time I called and had to talk over a crying child.
|
| 06/24/2019 |
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
|
|
Web |
|
|
In XX/XX/2016 I leased a XXXX XXXX ( VIN XXXX ). I was clear that I needed XXXX miles per year because of my commute. This was discussed in person and via email with the sales manager. My previous lease, the lease referenced and current lease are all XXXX miles.
When I turned in the vehicle I was charged for mile overage. It was then revealed that the lease documents were tampered with.
The lease miles were changed on the document. The document that was given to us as a copy was not the copy that I signed. The paperwork that I signed absolutely matched the XXXX miles agreed upon.
XXXX is not taking this seriously or even helping to investigate matters, they are reliant upon us for getting email records from our previous email provider.
|
| 05/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
VW credit, audi financial intentionally destroyed my credit. The payment may be late but due to unexpected, unforeseen emergency and have been unable to pay current but make sure account doesn't go over 30 day. Payment is paid every month by the same date as reps has mentioned that if paid by 3rd, payment will not report derogatory. Therefore, I make all efforts that payments are paid monthly and by the 3rd. These conversations with the Audi, VW reps were recorded.
VW credit, Auti financial does not attend to serve me accurately as a customer and should correct this inaccurate reporting immediately. VW credit, Audi reported me derogatorily to all credit reporting agencies and I paid by 3rd as I did prior months, however reported this month.
|
| 08/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX granted me an extension/deferment on 2 payments due to my being involved and affected by the XXXX XXXX. Because of this there was some confusion about when I was to start paying again. I thought in good faith I was paying on the correct date but missed the window by a few days causing TWO separate 30 day late payments. They are reporting I was late when in fact they received two payments, one each month. I have written to them asking them to correct this misinformation on my credit reports yet they keep responding with a form letter asking me for " more information '' It is clear they are not actually looking into this at all and just fluffing off this problem. How can they extend terms then report lates? This is in violation of FCRA.
|
| 06/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX of 2007 I left the United States on a religious trip and before I left I called VW credit to explain that I would be leaving and not be in the US to make my car payment, they were helpful over the phone and suggested I use the one time offer of putting that month on the end of my loan. The representative was polite and explained I would fill out a form of which I did and I was very happy with the out come of my call. When I returned the following month to my surprise I had been sent a late payment notice and I was charged a fee and had a negative mark put on my credit. I attempted for many years for them to remove this error of theirs to no avail. I even paid a company to assist me in handling it which they were not able to do.
|
| 02/15/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I leased a XXXX XXXX XXXX in XX/XX/XXXX ( 3yr term ). In XX/XX/XXXX I terminated the lease under the Dieselgate class action settlement. As a requirement of lease termination I settled all prior and future liabilities with VW.
On XX/XX/XXXX, I received a bill from VW Credit indicating I owe {$140.00} in excise tax. The letter is undated, but includes the threat that I will be reported to credit bureaus if I do not respond within 30 days.
I will be following up with Volkswagen directly, but given the situation, I believe this to be fraud. There is no way that the company could be unaware of my decision to surrender the vehicle in XX/XX/XXXX. I am reporting to CFPB in case other defrauded ex-customers are receiving similar notices.
|
| 01/15/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I leased a new car through VW credit. I recently returned my car to the dealership, and for the first time after three years of having the car, I was made aware of the disposition fees. I tried to dispute the charges with VW credit as I was never told about such charges. They refused to remove the charges, instead they insist that the charges are on the contract which I signed. I explained that I was never consulted or told about these charges, which is dishonest business practice not letting the customer know about the terms of the contract. I also explained that I never leased a car in the past, and never knew about the disposition fees. VW credit instead pushes and forces me to get a new car from them in order to remove the fees.
|
| 05/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
There are times when I paid late. And of course a {$20.00} late fee is charged. The problem is that when I make the car payment and the additional {$20.00} late fee they dont use the extra {$20.00} I send to cover the late charge. Instead they apply the extra {$20.00} to the next bill reducing the next payment and carrying over the {$20.00} late fee. For example my car payment is {$350.00} when I send {$370.00} they pay the car payment and reduce the next payment to {$330.00}. And then carry over the {$20.00} late fee. The problem is that they start reporting the account as 30 days late to the credit bureau. And they done this multiple times resulting in additional 30 day delinquent marks on my credit. Most recently XXXX XXXX .
|
| 11/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I am a victim of identity theft, and someone obtained a copy of my driver 's license ( through changing mailing address with New Jersey XXXX ) and applied for a motorcycle loan with XXXX XXXX XXXX ( transaction happened on XXXX, location : XXXX New York, amount : {$28000.00} ).
I was made aware of this fraudulent activity after I received a letter in the mail on XXXX.
I then filed a police report immediately with my XXXX Police Department and FTC ID theft report on identitytheft.gov on XXXX. And subsequently filed a stolen vehicle report with New York Police Department on XXXX.
A claim was filed with XXXX XXXX XXXX on XXXX, and denied even though the police report and the FTC ID theft report were all provided to the loaner.
|
| 02/07/2022 |
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
|
|
Web |
|
|
On XX/XX/2021, I paid off my current lease in full ( early ) and purchased my vehicle with a cashiers check. I followed their instructions, I completed the odometer statement, bill of sale, etc. I sent everything via overnight mail and per their request, I sent a cashiers check to receive immediate credit. Therefore, they received and were to began the process on XX/XX/2021. I contacted my bank and verified the cashiers check cleared my bank on XX/XX/2021. I have called twice. On the 0econd of the two calls I was told, I would receive everything by XX/XX/XXXX. As of today, it is 81 days since they received my payoff, immediate funds, documents and still I can not register, my car in my name, pay the sales taxes, etc.
Thank you.
|
| 12/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX appears to have intentionally destroyed my credit as well as the coborrower on the account. They offered me an extension, deferment on my account and clearly stated multiple times this will not report derogatorily as the account will be brought to current. I paid {$390.00} for this deferment and followed up with XXXX XXXX multiple times to make sure deferment cleared. Each time I was informed by representative that were back logged but no worries it will be processed and will not affect your credit. Five days later my credit score as well as coborrower 's score decreased by 60 points. I have called XXXX multiple times and their reps always say it will be corrected carelessly. It still hadn't been corrected. Please help.
|
| 05/07/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I called Audi Financial Services in XXXX to obtain a payment deferral on my lease. They took payment to bring the account current and processed my lease extension and payment deferral ( XX/XX/XXXX ). I also received a letter from Audi that the deferral was granted ( dated XX/XX/XXXX ). 30 days later on XX/XX/XXXX I received an alert from XXXX that my credit score had dropped significantly ( 30+ points ) due to Audi reporting my lease 30 plus days past due.
I sent Audi a message thru their secure portal online. I also called and spoke with a representative who told me that their system is automatic and many individuals are in the same boat and they are working on correcting the reporting but do not have a timeline for the fix.
|
| 10/04/2021 |
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
|
|
Web |
Servicemember |
|
I have contacted XXXX over 123 times and have disputed with experian 21 times by all forms mail, over the phone, and even fax that I have never lived at the address or have had a vehicle leased with any other individual or have never lived in any other city. Also I have provided documents that I have never lived at the address this creditor is allegedly stating. I have requested the original signed contract as well as what documents were used to prove that this inaccuracy is allegedly mine and have never ever received it how can this inaccuracy continue to hurt my credit worthiness, this company and my credit bureau has failed me and has even caused me to contemplate suicide due to this erroneous error on my credit file.
|
| 04/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am victim of equifax XXXX XXXX XXXX and XXXX data breaches. Somehow my personal information has been compromised and someone is using my identity without my authorization and consent. I have disputed the VW Credit Inc {$0.00} and XXXX XXXX XXXX {$0.00} loans several times stating to bureaus the information is not mines and fraudulent. It was removed from my credit report with XXXX and XXXX do to FCRA SECTION 604B 605B AND 609B but still not from XXXX. This the 4 time im diputing this inaccurate information from my credit report. The items or loans reporting on my credit are not mines and done without my authorization and permission. At this point I demand removal blcok or deletion from my credit file immediatley.
|
| 02/01/2021 |
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
|
|
Web |
|
|
VW CREDIT XXXX XXXX Opened XXXX XXXX, 2016 Balance {$1200.00} I'm concerned about the quality and reliability of your latest analysis and the past due payments meant for this specific account and the way it is reporting on my credit report. Just about 45 days ago I sought after an inspection on account that I felt the item is not being recorded currently. To my shock, I have been given a document proclaiming that your evaluation was accomplished and that the item had been " validated as exact. Placed under Section 1681 ( g ) make sure you grant me with a detailed description of the method useful to confirm the account is " legitimate '' and mail me the name and addresses of persons emailed in every policy in the FCRA.
|
| 05/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2018. I pulled my XXXX credit report showing my Volkswagen Credit account for my XXXX XXXX XXXX still seems to show open on my XXXX Credit Report. A comment was placed on the account that reads " account payments managed by a financial counseling program ''. This is a fraudulent comment that has been placed on my XXXX report as no payments are being managed by a counseling agency. On my XXXX & XXXX report, the account shows closed & paid off. I have been trying to resolve this with XXXX for over 2 years, and they always come back saying Volkswagen has verified the account has still open. XXXX continues to violate the FCRA and keep this account open. Volkswagen Credit has not verified this account correctly.
|
| 01/03/2018 |
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
|
|
Web |
Older American |
|
I signed for my niece to lease a vehicle, and she was making the payments timely. She filed a legal restraining order against her child 's father and had to relocate within 30 days ( I can provide copies of all legal paperwork ). She fell behind on a payment and I was not aware. As soon as I heard about this ( through my credit reporting agency ) I contacted XXXX and brought the account current immediately. I received a significant credit hit as a result of this report. I contacted the credit bureaus and they advised VW Credit could remove the late from my account under the extenuating circumstances. The account was just over 30 days late ( 3-4 days ). We would sincerely appreciate any consideration you can give us.
|
| 03/18/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I sold my car back to VW as part of the diesel settlement. The car was financed with VW Credit and when I sold the car back on XX/XX/XXXX, they only gave me credit for the payoff amount as of XX/XX/XXXX, when the buyback was approved. I was told VW Credit would refund the difference to me once paid off.
VW Credit is delaying sending me back the over payoff of the loan. They first are saying they did not get the funds from VW corporate to XX/XX/XXXX, 14 days after car was sold back to them. They are now stating they need 17 days to allow their internal transfer to " clear ''. They are stating even after the transfer " clears '', they will take 2-5 days to issue a check and another 7-10 days to mail the check to me.
|
| 05/12/2017 |
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
|
|
Web |
|
|
I have a diesel VW that is part of the VW Buyback settlement. I have an appointment at VW on XXXX XXXX to turn in the vehicle and receive the buyback for early lease termination. VW of America- XXXX My monthly lease payment is due on XXXX XXXX ( 3 days before I 'm turning in the car ), and I called VW credit to ask for a grace period, explaining that I have the appointment ( and can not get one sooner ), but they will not waive the payment. VW XXXX XXXX I do not think it 's fair to have to pay for a month if I only have the car for 3 days during that payment period. The VW XXXX XXXX XXXX XXXX says that I " MAY '' get a refund from VW Credit, but nobody can guarantee anything.
|
| 03/01/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I made my lease payment at the end of XX/XX/XXXX. I believe it was made out of the wrong account. Furthermore, the account that it was pulled out of was not attempted to be pulled out from for 12 days. 35 some days after payment was due, I get a call asking for payment. I am shocked. I thought that the pullout was not even for last month but for this monthly payment because it was close to XX/XX/XXXX, which I was actually angry about. I thought it had been made earlier than it was supposed to be. After rep called, I found out the truth and immediately made payment, dated that day for XX/XX/XXXX. Customer service representative waives late fee and apologizes and makes no mention of how they destroyed my credit.
|
| 12/28/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
This company claimed i signed paperwork as a joint acct.. and i didn't..they took my signature and ran me as the primary because my income was greater,, i was told they would only use my income to help applicant get loan and my info would only be used for identification purposes for income and in would no way be on the loan.. When loan was finalized they had use my signature as the primary applicant and would n't remove me, ,would n't send me a contract of where i signed as a primary and now have my in credit bureau for a repo .... If you look at paperwork you will see i never signed the primary or joint applicant part of the loan ....
Creditor Information VW CREDIT XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
|
| 07/30/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
My daughter wants to return her vehicle 7 months early and payoff the remaining payments on her lease. XXXX is now telling us that we could be responsible for the difference between what they can sell the car for at auction and what the residual value is. Therefore, I will be at their mercy and could wind up with a bill of {$5000.00} or more. We are totally at the their mercy. I have turned in leased cars before and have never experienced anything like this. They have absolutely nothing to lose. Sell the car for {$5000.00} and stick the consumer with the difference. I do not know how this practice is actually legal. I want all consumers to be aware of dealing with VW and what you can possibly be up against.
|
| 01/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have been paying online 2 V wagon credit for the past year and then they updated their website when they did this I was unable to get in none of my information changed but I was unable to get in. I called and contacted the company they said that my login information was OK and that they were going to send me a code to reset it it did not work then they told me that they were going to send in the work ticket and it will be fixed within 72 hours. 72 hours has passed and still I can not get in online and this is how I make my payments. This company is denying me a way to make payments to the company without a fee being charge. This company is not fixing their website for you to go online and make a payment.
|
| 04/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
|
Volkwagen Credit , Inc and Volkswagen USA have failed to create contingency practices to recover vehicles that are at the end of their lease during the COVID-19 pandemic. Their failure to do such has created unnecessary and unfair situations for their customers. VW is requiring customers to incur additional expeneses in terms of insurance coverage and a per day fee charged by VW Credit , Inc. The additional expenses are due to my fault as a customer as I followed the proper procedure set forth by VW. VW has not made any effort to offer reimbursement for the increased insurance expenses. During this time when jobs and incomes are at risk, the additional expenses can put my family at risk of financial harm.
|
| 04/13/2023 |
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
|
|
Web |
|
|
I XXXX XXXXi bought XXXX XXXX XXXX ACCOUNT NUMBER XXXX I TOTAL LOST MY CAR IN XX/XX/XXXX MY INSURANCE COMPANY TRIED PAID PAY OFF {$13000.00} AND THEY SAID NO WE NEED MARKET VALUE FOR THE CAR WHICH IS {$19000.00} and this never been disclose to me i never recive my contract because the delver the car to in 10 times attempscalling vw creidt and they send me one part contract is one millimeter and you can not read and get bigger exposure by XXXX machine state attorney general designed to protect virginia consumer and not bow to scam artist airbag and diesel law suit please i need answer and i am going to send this to us attorney general i think you have close down vw creidt in state va thanks XXXX XXXX XXXX
|
| 08/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I moved to Oregon and needed to register my car in that state. Oregon requires you to process registration through the lean holder ( VW Credit ). You send paperwork and payment to the lean holder, and they forward it to DMV with Title information. I mailed paperwork to VW Credit on X/XX/2017 They have record of receiving it on X/XX/2017 I was charged a {$45.00} title fee on my XX/XX/XXXX invoice. I waited the allotted 6 weeks for my registration to arrive in the mail - but nothing came. I tracked the problem down to VW Credit - they never processed the paperwork. I have been following up with them continually - trying to move the process along. I asked to have the {$45.00} fee waived - and they refuse.
|
| 10/25/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : VW CREDIT INC XXXX Date opened XX/XX/2018 Balance : $ XXXX
|
| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not.
[ VW CREDIT INC XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. I is my understanding that you must verify these items with the reporting creditor for accuracy.
|
| 01/06/2022 |
No |
- 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
|
|
Web |
|
|
I contacted VW finance in 2018 and provided a court order to remedy my dispute. VW returned a vehicle to the possession of my ex husband that was titled under my name following a repossession. I was not made aware of the transfer of this property back into his care and obtained a court order stating that my ex husband would be entirely financially responsible for the vehicle, at which time he was ordered to retitle the vehicle under his own name and remove my name from the title. Volkswagen financing was provided with copies of this order on two separate occasions, and a formal dispute was filed. However, VW financing refused to honor the court order and placed this negative debt on my credit report.
|
| 10/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
Last week I had my car repossessed. I had been talking with XXXX XXXX XXXX for for months and told them I was experiencing a financial hardship due to the Corona virus and I was waiting for my taxes which I still havent received they offered no assistance and told me I need to pay {$4000.00} to get my car back and they plan to auction it on XX/XX/XXXX. I also have a lease with them as well which I called about and asked for assistance they said I would have a 90 exemption and I would not occur any fees but now I am being charged a {$69.00} late fee and being told I am past due. During a pandemic they have been unprofessional and hard to work with. I need help and they are not welling to help at all.
|
| 05/01/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I contacted the company to extend the loan. The representative stated I had to pay a fee that was deducted from my account and my next payment was not due until XX/XX/XXXX. When I called on XX/XX/XXXX the recording said my payment was 32 days delinquent I spoke to a representative who stated I was suppose to complete a form within 15 days I advised we never received a form and I wasn't told I needed to fill one out. They wrongfully reported to my credit which dropped my score 65 points! We have been on time with our payments and catching up to trade it in and they are ruining my score purposely so they dont have to trade it!! They said they needed to see 6 months of on time payments and now this!!
|
| 07/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
I purchased a new Volkswagen on XXXX XXXX, 2015 and financed it through VW Credit. I financed for a long term but knew that I would pay ahead. To date I have made XXXX payments and they are not reflected on their web site. First I was told that the site was unable to show balance due and payments but I could request an email from them for this information. When I told them this was unacceptable and that the information should be available at all times they said it would not be available until I had made XXXX on time payments. I financed my last vehicle through a credit union and this information was available at any time at their web site. Withholding this information is just not acceptable.
|
| 04/24/2023 |
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
|
|
Web |
|
|
I have been calling since XX/XX/2023 to get status of my title. VW has since XXXX blamed a change in vendor as to why I have still not received my title. I call every week and make sure its documented and every single time they have said its been ordered, everything according to their records has been completed and ready to send me my title since XXXX. I paid for expedited shipping service and to date I still have to title and everyone says its been ordered. I cant sell my vehicle for 4 months now because of this. I paid for this vehicle and am having to pay insurance and everything elses because I cant sell because VW is withholding my title and blaming another company for not sending it.
|
| 04/17/2023 |
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
|
|
Web |
Older American, Servicemember |
|
on XX/XX/XXXX I purchased a XXXX XXXX XXXX VIN number XXXX.
The car apparently was a VW Lease return turn in. Car was Purchased from XXXX XXXX XXXX XXXX, XXXX New Jersey XXXX.
The Purchase Price was {$24000.00} which was paid in full by myself.
I was told registration and the Title would be sent to me within 30 days.
It is now XXXX XXXX and I have not received title or plates and registration. I can not drive the car without title or registration.
I have been told by XXXX XXXX that it is not their problem but is the problem of XXXX VW Credit Inc, XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX says title is still listed to prior owner and XXXX needs to contact them. Which they refuse to do
|
| 10/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I processed my scheduled monthly payment on my account as I have been for years and years. My normaly payment of {$340.00} was due XX/XX/XXXX, I processed my monthly payment on XX/XX/XXXX ( before being 30 days delinquent ) As i have done many time over the course of the loan.
Suddenly now VW credit wants to list that my account was over 30 days late when that is not false. I've requested they fix the issue and explain it & no one can seem to give me an answer on what's going on.
I'm not sure if VW credit is hurting for $ $ due to the coronavirus, but i've made ALL my payments during this pandemic and never requested any forgiveness. The fact they want to say im past due is atrocious.
|
| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello there, I had spoke with Audi regarding this concern where Ive had auto pay set up and was never Deliquent on the account.
I got only XXXX calls with no voicemails, no paper mail or any documentation and it said I was Deliquent when I was not?
I have the payment of confirmation from chase when I had submitted the payment however Audi still said I was late and reflected on my credit report?
Please, please can I have this issue resolved and fixed? I am crying over this and am so XXXX. I have never been late and this is unfair, I made my payment and am begging for this to be fixed.
Also I am always facing an issue when logging in, I never can login nor do I get any paper mail?
|
| 10/09/2020 |
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
|
|
Web |
|
|
On XX/XX/XXXX, i bought a XXXX XXXX XXXX from XXXX XXXX, XXXX Ca. This dealership is no longer in business This car was leased for 36 months through, Volkswagen Credit, XXXX XXXX XXXX, XXXX Il XXXX. Phone XXXX XXXX XXXX. Account number XXXX.
i decided to sell the car to XXXX and on XX/XX/XXXX i called Volkwagen Credit and was given a customer pay off of {$17000.00} good through XX/XX/XXXX. When XXXX contacted VW they were told the dealer pay off was {$18000.00}.
I called back VW and the told me that the customer pay off was based on residual value and the dealer market value, unless you are a VW dealer.
i do not understand this and every one i have talked to does not seem to either.
|
| 06/28/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I asked for an online payoff quote which was a certain amount. Then when I sold the vehicle to a dealer, the payoff went up by {$700.00}. When I inquired as to the disparity, Audi Financial told me there is a different payoff for a dealer ( based on fair market value ) than the payoff would be if I personally paid off the vehicle. I contracted for a certain amount of miles in my lease, and I paid that amount. It should be irrelevant how they are paid off. To resolve this, I had to payoff the lease, wait a for a title, and then sell the vehicle to a dealer. Audi is participating in an unfair business practice and should be fined for this behavior. It's clearly corporate overreach.
|
| 09/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
I sent a check to Audi Financial Services to payoff a lease. They received the check on XX/XX/2021 and have not processed the payoff as of XX/XX/2021 and are requiring me to continue to make payments or they will report the account past due on my credit report. I have called 3 times and get the same response, yes, we received your payoff but the payment hasnt been processed so you have to continue to make the lease payments until the payoff is processed. Once the payoff is processed we will send your over payments back to you. I paid off the lease early so I didnt have to make the payments monthy. Now I am out the payoff amount and still making payments for an account I paid off!
|
| 09/30/2019 |
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
|
|
Web |
|
|
Your company illegally pulled my credit within the past 2 years.
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.
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
|
| 02/16/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Volkswagen scammed me with a diesel Wagon. I 'm sure you know the story. But then ... they purposely weighted the 'amount owed ' to them ( *because our LOAN was through VW Credit ) so that they would get a higher payoff than was due to them to offset their losses from the settlement payout. After they defrauded me, they then continued their scammy/spammy behavior with 'creative accounting. ' Because this happened when my loan was only about a year old, they counted very little of the approx {$8000.00} I 'd made in payments to PRINCIPAL ( *applied less than {$2000.00} ). So, in the end, although they 're paying a 'settlement ' it 's not like they 're actually taking any 'losses. '
|
| 08/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My husband financed a vehicle with me also as an account owner in XX/XX/2023. My husband and I both own the vehicle and my name is on the account. The creditor only sent statements addressed to my husband causing an oversight and missed payment, which then went on my credit report. The creditor claims they are not required to send statements addressed to both account owners. ( One phone representative even said that all the names dont fit on the mail, though we have mail from other joint accounts addressed to us both. ) I requested the creditor to add my name to all mail and to also remove the derogatory mark from my credit report and they are refusing to grant either request.
|
| 05/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
VW Credit is reporting a delinquent account when in fact the account was in dispute. Because VW was unable to successfully repair the brakes after more than 4 attempts, I was directed by their dealer to turn in the vehicle and terminate the lease early. Months later, VW Credit began billing me for early termination without warning. I provided them documentation in writing that I was disputing the charges in their entirety. In the period where these charges were being disputed, VW Credit is wrongfully reporting me as delinquent in payments. Now that the account has been settled, they will not cooperate and advise XXXX or other credit reporting agencies to amend the record.
|
| 12/16/2021 |
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
|
|
Web |
|
|
I was attempting to purchase a vehicle through XXXX XXXX in XXXX, Maryland ( Volkswagen Credit ), and my credit was run multiple times resulting in a lower score. My credit was run on XX/XX/21, and I was given finance options, final numbers, and entered into a verbal agreement with a {$500.00} deposit on XX/XX/21 ( credit card statement attached ). When I arrived at the dealer to pickup the vehicle on XX/XX/21, my credit was run again for no reason and with no notice given to me ( I realized a week later when I checked my report ). I have since applied for another vehicle loan for a secondary vehicle, and I may not have gotten the best rate possible due to this error.
|
| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
VW CREDIT XXXX XXXX Opened Date XX/XX/2018 Balance {$9900.00} // Charge Off
|
| 07/02/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
Im XXXX, I purchased a VW vehicle that was stolen the insurance paid it off, also the gap insurance cover for the debt. Contacted VW several times and no response they said that I owed money even though I receive letters from Vw credit and my insurance XXXX specifying it was paid off, they sold the so called debt to XXXX XXXX XXXX all my information without my permission or authorization, they send out a post card on XX/XX/XXXX, I called them several times and they never answer my phone call, I just received a letter that i am being sued by them. How is this legit im retired and XXXX men, they got the money paid off, and now they trying to ruin my credit and my life.
|
| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Your company has violated my rights. Please See attached and address the issues within this case immediately. I am kindly asking for a settlement.
Let me know if you have any problems accessing the file. There is also pdf/picture versions attached below if you don't want to use the link. Thanks.
Access code for link is attached below **Please note credit reporting agencies shall not report any item/account that is in ripened litigation/controversy. Failure to remove this unauthorized account will result in a Defamation lawsuit ** Link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Link expires on : XXXX Regards, XXXX XXXX
|
| 06/06/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On numerous occasions VW Credit ( the " company '' ) has deactivated autopay claiming the account was invalid, and requested a voided check. After sending this an activation notice was sent ; however, checking today I see the auto pay is disabled again. The reason given is " the bank rejected it '', but the bank claims that no such request was made, nor a request to process a payment. Furthermore, this exact account number is used for other autopays, including a vehicle.
The company is unwilling to fix their software and is making it very difficult to deal with as I must regularly -- over 6 months now -- babysit payments, which was not what was agreed upon.
|
| 05/30/2023 |
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
|
|
Web |
|
|
I am paying off my XXXX XXXX with Audi Financial and can not get my title in a timely manner. I have already communicated with Audi Financial.
I sent the payoff check on XX/XX/ and Audi Financial confirmed they received the check on XX/XX/. I called them on XX/XX/ to check the status and was told the processing time is 6-8 weeks. This is a long time holding {$26000.00} dollars but not releasing the title to me. Consider there are lots of similar complaints online ( waiting for the title for months ) that Audi Financial is conducting financial crime by taking money and holding car titles in hand without releasing them and manipulating the used car market.
|
| 02/02/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
My XXXX XXXX XXXX has an airbag issue. We took it to the dealer and they need two parts, one of which has arrived, the other of which has not and may take some time. They gave me a loaner, a XXXX XXXX, which is inadequate for my needs as I have three children in car seats.
The loaner is not able to accommodate three car seats which we need for basic day to day driving.
The loaner was provided by the dealer and XXXX is saying they can not provide me a car of similar size because they rely on dealers for loaners.
While I am sympathetic to that the part being delayed, I am not sympathetic to making payments on a car which I don't have use of but need.
|
| 01/19/2018 |
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
|
|
Web |
|
|
XXXX XXXX made several calls and sent two reminder letters for payment past due on my new vehicle. I sent proof of payments from XXXX XXXX as well a list of ( 24 ) payments made on the old vehicle returned on XXXX XXXX 2017.
I am very worried about the lack of oversight in the account that can potentially damage my credit report. Two missing payments for a new car lease it will show very quickly in all three credit agencies as well as to lower my credit scores and increase interest rates on future loans.
I would appreciate it to take action and protect the consumers from future negligent and unprofessional conduct of XXXX XXXX XXXX XXXX.
XXXX XXXX
|
| 12/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 05/25/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I want to terminate my lease earlier than when the lease is supposed to end and return the vehicle to Volkswagen.
They have told me that this is possible and that they can give me a payment plan for the amount I will owe instead having to pay the entire balance at 0 % interest ( one reason I want to do this payment plan ). I estimate I will owe them {$2400.00}.
However, they will not show me or write to me in writing how this payment plan will affect my credit report and how the lease is currently being reported.
I am concerned that doing this payment program could negatively affect my credit history but they say that this would not be the case.
|
| 12/12/2019 |
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
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 08/06/2023 |
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
|
|
Web |
|
|
As you are aware, a charge off is a debt that has been discharged and taken as a tax write-off by your company. However, I have noticed that despite this, the charge off is inaccurately reported as owed on my consumer reports. This reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( e ) ( b ), which mandates that all information reported must be 100 % accurate.
I have been informed by the IRS that it is unlawful to report this information to my consumer report, either for collection purposes or to indicate a charged-off status. As such, your company 's reporting has caused me significant concern and distress.
|
| 09/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
The company has sent me three different account number after I've spoken them about issues w/ my loan. I've tried logging in online to make my payment, but it does not provide me the option as there are three accounts linked to my VIN. I've tried calling the company, but I keep getting this message : " Due to high call volume we are experience longer than normal wait times. Please try you call again later '' then the system hangs up on me. I literally can not make contact w/ the company to make my payment. This is a new loan, I'm not sure what account number to mail my payment to, I can not make it online, and I can not call in to make my payment.
|
| 10/21/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Volkswagen credit, month of XXXX, XXXX, XXXX I made a payment through a credit card without being informed that credit cards are not accepted which is unheard so throughout the whole time I assumed I was fine I paid everything on time besides XXXX I wish someone would of called me or told me that payment didnt go through or credit cards were not accepted I reached out the resolve the issue and nothing could be done even though I was not told or informed I never make late payments only once due to health problems in 2017 now my credit history is gon na be effected negatively because of them not informing me that credit cards werent able to be used
|
| 11/01/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a new XXXX XXXX and financed it from VW Credit. I owned and drove the XXXX for 7 months and it was then totaled. The value of the car was XXXX and I owed XXXX and they are now saying I get none of the money back from this accident. So the value of the equity I had in the car was not mine it was theirs as the owner of the car. I said if I purchased the car from them what would I need to pay them, they said XXXX. So I said I would get XXXX to give me the check and I would send XXXX to buy the car. They said that would be fine, but since they know it was totaled XXXX is required to send them the money so I would not get any back.
|
| 11/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a 2014 Volkswagen XXXX XXXX for {$8000.00}. I've paid {$350.00} for the past 40 months. Volkswagen still says that I owe another {$10000.00}. The turbo went out on the vehicle in XXXX. I have a contract with XXXX. Volkswagen contacted XXXX. XXXX refused to honor their contract, ( which was 2 months old ), therefore Volkswagen refuses ( to repair turbo, which is still under manufacturer warranty for the XXXX ) unless or until I or XXXX pays the {$1900.00} for the thermostat. I considered trading in the vehicle, but received no help just suggestions and excuses. I then decided on a voluntary repossession. I need your help.
|
| 04/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an auto loan with VW CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called VW CREDIT and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and VW CREDIT with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late twice. There was an error on their part. I was never 30 days late twice.
|
| 11/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
Purchased XXXX XXXX XXXX with a 6.78 rate. Attempted to Refi vehicle I owe XXXX vehicle only worth XXXX. I have been upside by alot since day 1 and did not even know. It should be against the law for creditors or banks to even finance people without advising them that they will be upside down until the end of the loan or unless they have a large sum of cash to get them out of that place. My credit have gone up to over a 750 and I should be able to refi my car loan and take advantage of the best possible rates. I have attempted to refi with my local credit union and they go up to 135 % LTV and I still can not refi my vehicle.
|
| 09/03/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I made an early payment to my account with Volkswagen Credit on XXXX/XXXX/2015. They had a wrong address on file and I was n't notified of the payment not being processed. I have also had issues with the telephone payment system previously not posting a payment and not allowing me to repeat confirmation numbers. They would not investigate this after numerous attempts to resolve the issue. They stated that they had no record of me calling on XXXX/XXXX/2015 which in response to I asked to send my phone record of having done so. They would not allow me to do so nor would they investigate the issues I had with the billing system.
|
| 11/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
My Carnote is already {$630.00} which is a lot with inflation and everyday life. Volkswagen will charge be hundreds of dollars in late fees even when I make a payment arrangement. I think thats way too much Im barely holding on to paying the XXXX. They also sold me a tire plan and didnt let me know it could only be used at that one location. Which is an hour away from me. So when I need a new tire I cant even get one because I would literally have to drive an hr to that same location to get one. I found that to be very shady and taking advantage of the customer just to get a sale. so Im paying extra for the plan for nothing.
|
| 09/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
On XX/XX/2023 I call VW credit Inc to get a payoff and they advised to me that they can only give an about and not a per Diem even to the customer. Also wouldnt release a payoff in tell I gave the name and f the company that I was requesting it for even though I am the customer. And still the company. Refuses to give me a full pay off. Also refused to give me pay off instructions. I spoke with XXXX XXXX that refuses to give a payoff unless I gave dealer information. And then spoke with XXXX XXXX XXXX that also refused to give me a payoff. Also advise I had to write in to file a complaint with this service of the company.
|
| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Volkswagen Credit ruined my credit score. I used their autopay system and the system did not work properly and my credit suffered from that. Prior to using the system my payments was never late. In XX/XX/2022 I put my payments on autopay using the VW credit app received a confirmation message that the payment will be processed on the XXXX of XXXX. The VW agent explained she sees where I activated the automatic payments in XXXX but the system didnt take a payment until XXXX. She removed all late fees from my account. The account has been paid in full. All I ask is that the negative marks be removed from my credit report.
|
| 02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, VOLKSWAGEN CREDIT Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
|
| 10/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
AUDI FINANCIAL SERVICES IS RIPPING ME OFF AND FRAUDUENTLY CHARGING ME EXCESSIVE FEES FOR MY AUDI. THEY ARE IN VIOLATION OF THE LAW AND PERFORMING ILLEGAL PRACTICES.
I WAS PAYING {$770.00} TO AUDI FINANCIAL SERVICE FOR MY LEASE, THEN I BOUGHT THE SAME CAR AND AUDI INCREASED MY LOAN TO $ XXXX MONTHLY BECAUSE THEY DID NOT WANT ME TO KEEP THE CAR. THEY WANTED ME TO BUY ANOTHER LEASE WHEREAS THAT WOULD LOCK ME IN SO THEY COULD MAKE MORE PROFIT OFF ME. THEY CHARGED ME AN UNFAIR HIGH INTEREST RATE THAT DID NOT FIT WITH MY INCOME. WHAT THEY ARE DOING IS ILLEGAL AND THEY SHOULD BE PROSECUTED TO THE FULLEST EXTENT OF THE LAW.
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| 03/21/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
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Volkwagen XXXX XXXX and Volkwagen Credit, made an improper " hard '' credit inquiry in 2014 resulting in subsequent adverse credit decisions including denial of credit or higher interest rates. I authorized XXXX inquiry during an application of the lease of a vehicle. I contacted the reporting credit bureaus who referred me to Volkswagen Credit and its agent, Volkswagen XXXX XXXX. To date, only Volkswagen Credit responded and refuses to remove the inaccurate data. I do not dispute that I applied for the loan and authorized a credit inquiry. The dispute is about the number and timing of the other unauthorized inquiry.
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| 11/20/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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Turned in my XXXX XXXX during XXXX on XX/XX/2020 per the appointment for inspection audit gave me while lease was ending on the following month ( XX/XX/2020 ). Did not want to lease another car but XXXX XXXX XXXX dealer said they will pay the last month lease of {$340.00} if I lease a new car with them which I did. They never paid the last month fee. I called Audi XXXX XXXX, Audi Financial and Audi XXXX group and still paid the balance out of pocket. As result I paid for two cars for the month of XX/XX/2020 as the sales person did not honor what they have promised us and I did not want my credit to be effected.
|
| 12/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem extending the lease
|
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Web |
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I've extended my lease during COVID as I am on unemployment ( business has been closed since XXXX XXXX and it's coming due XX/XX/. I'd like to purchase the car but my bank doesn't do lease buy backs. I bank with XXXX XXXX. I asked VW Credit for another extension so I can buy time until my business can reopen and I can actually qualify for a loan as I will have income. VW Credit refused to give me an extension. So now I am forced to turn in my car I want to buy. I have paid on time with no issues. I need my car for when we reopen so I can work. Without my car I will not be able to work and reopen my business.
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| 07/07/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
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On XXXX XXXX, 2016 I went to XXXX XXXX and negotiated a lease for a XXXX XXXX. I signed the contract with them, they delivered the car and assigned the contract to VW Credit XXXX, XXXX On XXXX XXXX the dealer contact me asking more information, which I provided to them. Latter they contact me again because they want to change the contract, but I do not want to change it. I need to pay the first installment and VW Credit do not have me in their system, so I am not able to do it. I contact them and they referred me to the dealer who is harassing me with calls and mails because they want to change the contract.
|
| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I leased a XX/XX/XXXX vehicle it had a 36 month term. In XXXX of XX/XX/XXXXmonths before the lease was up I paid the car off. I went to DMV and obtained the lease.
VW credit XXXX had placed a XXXX balance on my credit report. Ive contacted them numbers times regarding this balance. They say they will remove it and update the status but they never do. As a result my XXXX and XXXX scores has dropped nearly 100 points!
This is XXXX XXXX and XXXX to say the least. Ive even tried to dispute this through their websites. But there is nothing setup where I can upload the title of the vehicle. Please HELP me!
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| 04/20/2023 |
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
|
|
Web |
Servicemember |
|
The lease to VWCredit Inc ( d.b.a. Audi Finance and Volkswagen Credit ) was paid off on XX/XX/2023, and the check cleared my bank on XX/XX/2023. The contract states the title will be sent in two to four weeks. I have called twice, and they offer no updates and won't send a written notice that the lease has been paid off or a release of lien letter that I can use at the California DMV to change the title. All the proper paperwork ( Odometer Disclosure Statement, Bill of Sale, Executed Payoff Quote, and the check for $ XXXX ) was sent, and the Customer Service line at XXXX verbally confirmed that fact.
|
| 04/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.
I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format ignoring to report.
In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).
It is very important that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain mortgage.
|
| 03/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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Volkswagon Credit is discrimnating against me solely because I did not buy a volkswagon. They are refusing access to my account. I can not view anything without calling them. In this age, that is absolutely unacceptable. They do not email receipts. Mailed receipts take 4 weeks at minimum. This has been happening since XX/XX/2022. For my own security I want them to remove my banking information from my file. They are refusing to do this. I can not personally monitor my account for fraudulent activity. This puts me at significant risk of fraudulent activity because my identity has been stolen.
|
| 12/28/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
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VW CREDIT INC ( Volkswagen Credit Inc ) includes a " 60-day late '' on all three of my credit reports. This " 60 day late '' happened on XX/XX/2012 and XX/XX/2012. However, I never owned, leased or financed a Volkswagen for myself or anyone in my household or family, and never paid or sent any checks/wires/payments. I have previously disputed this " 60 day late '' with all 3 credit agencies, who have duly noted that I dispute it and disagree with VW Credit Inc. I have also disputed this directly with VW Credit Inc. Unfortunately, they refuse to remove it or conduct a serious investigation.
|
| 04/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I paid off my vehicle loan ( from Volkswagen credit ) in XXXX of XXXX. However, I still have not received the title for my vehicle. It is now nearly XX/XX/XXXX.
I can not check any information about my loan in the Volkswagen Credit online portal because they deactivated my account once the loan was paid off ( without notifying me ).
I have had other issues with this lender, including them not notifying me when the loan was paid off and continuing to accept auto payments after this point. I was ultimately reimbursed for these overpayments, but only after I reached out to the company.
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
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I was working with XXXX Volkswagen to purchase a new vehicle. I was waiting for the vehicle to be imported. My intent to purchase changed and I no longer needed a vehicle. The dealership pulled my credit on XX/XX/XXXX without getting authorization.
I emailed the dealer several times over the course of the year, called and left 2 voicemails, and did not get a response.
Today I called VW credit to dispute it and report the error and they told me I needed to contact the credit bureaus with a letter to dispute it.
They should not have been able to pull my credit in the first place.
|
| 11/03/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
VW financial sent me the monthly statement that had the return address printed with smashed ink which caused the US Post Office not to identify the address and return the payment mail to me as address undeliverable. I have sent the original copy of the returned mail to the VW Financial Services and they had lost the mail again. After which I have sent the VW Financial Services the copy of the returned mail that had clearly shown that the return address had smashed ink on it. They responded that after the review of the documents I had sent they found that the information was accurate.
|
| 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
|
|
Web |
Servicemember |
|
On XX/XX/2021 I received a letter for Audi financial with a payoff for my leased vehicle. Their online system states that I own nothing at the turn in date for XXXX XXXX. However the account summary states that I own {$25000.00} due XX/XX/2021. Then I call Audi on XX/XX/XXXX to make sure that I have everything in order and they create another amount for {$25000.00} cents. Ive argued that the statement sent to me recently states to pay {$25000.00} by XXXX, 2021. They are not willing to honor the letter sent to me this week for the quoted amount, They want me to pay the higher amount.
|
| 06/06/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
hello, the following cc company ( VW CREDIT ) are reporting the wrong information on my credit report. I have never been late or missed a payment, yet they have me showing 30 and 60 day late. the problem I have is that the last report date and active date and payments dates are all inaccurate. each of the 3 cb are showing something different. they only report what they are giving. so with that being said whos to say the information that im 30 days late isn't an error on the creditors end. I would like them to fully investigate the problem and make the correct changes to there error.
|
| 07/11/2020 |
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
|
|
Web |
|
|
On or about XX/XX/2020 I submitted the following letter along with statement attachments to Volkswagen Credit : I hereby serve notice for restitution on account of irreparable damage to my Credit Score. In addition I request release from my contractual obligations to Volkswagen Credit. This is a structural attempt to discredit me and my credit history by XXXX XXXX and Volkswagen Credit. XXXX XXXX submitted four credit inquiries in an apparent attempt to increase my APR, in doing so affecting my credit inquires resulting in negative ratings to my score.
Sincerely yours, XXXX XXXX
|
| 08/29/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
A creditor sent me a fraudulent bill for {$1800.00} in XXXX XXXX. I sent the creditor a letter to cease all communications and confirmed that I disputed the charges. See attached letter. The letter was sent certified and the United States Post Office records confirm it was received by the creditor.
Recently, I received a letter dated on XXXX XXXX, XXXX to attempt to collect the fraudulent charges. According to the Fair Debt Collection Act, a debt collector can not contact me since the original creditor was notified. Note that this is INDISPUTABLY a violation of federal law.
|
| 10/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Older American |
|
My loan with VW Credit originated in the State of XXXX. End of XXXX, I moved to XXXX XXXX. Since XXXX I have been trying to get a state transfer to my local County Office that handles auto registration. I spoke with XXXX at VW Credit who stated it was electronic, but he would have this info sent on XX/XX/2021. No info arrived to my Clerk 's office so I then called and spoke with Manager XXXX on XX/XX/2021.
VW Finance will not send the document I need to transfer my car and get it registered in XXXX.
This is ridiculous, I have already went thru two temporary license tags.
|
| 11/25/2020 |
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
|
|
Web |
|
|
Hello, I made an agreement to pay off a debt with Volkswagon with the company XXXX. I pay them {$500.00} every month automatically pulled out of my account on the XXXX. Its only the XXXX and Volkswagon all of a sudden dinged me for not paying XXXX. 1. I pay the debt collector not Volkswagon 2. The money automally pulled 3. It dropped my score 14 points and Im closing on a house next month I paid off all my debt to help my credit and they just ding my account like that?! I havent missed a payment again I pay every month automatically have it taken out. Please help me ASAP
|
| 10/08/2021 |
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
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
|
| 07/02/2017 |
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
|
|
Web |
Servicemember |
|
VW Credit is incorrectly reporting date of activity on my credit report for Husband, XXXX , and NOT MINE. My date of filing was XXXX / XXXX / 2015 - Date of discharge XXXX / XXXX / 2015 . VW Credit in violation of Chapter XXXX discharge reporting late after filing date. They are also in violation of FCRA and FDPCA since this has been reported several times and VW credit continues to refuse to correct the error they say they are correct and in their validation still show the wrong dates. XXXX At this point they are clearly indicating the error - see # XXXX .
|
| 08/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
SOMEONE HAS STOLEN MY IDENTITY! I SAW THAT THERE WAS A INQUIRY FROM VW CREDIT ON MY XXXX CREDIT FILE AND I CONTACTED AUDI FINANCE AND XXXX AND THEY AUDI REMOVE THE INQUIRY ASAP AND THEN THE ACCOUNT CAME ON MY FILE ABOUT A WEEK LATOR! AUDI FINANCE TOLD ME THAT SENSE THE INQUIRY WAS REMOVE THE ACCOUNT WILL NEVER SHOW UP. THE ACCOUNT IS FRAUD AND EVEN THE ADDRESS IS FRAUD LIKING THE ACCOUNT. THEY ARE REPORTING UNDER XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX, I LIVE AT XXXX XXXX XXXX XXXX, XXXX XXXX NC. PLEASE REMOVE ASAP. MY ATTORNEYS WILL BE HANDLING THIS IF NOT REMOVED
|
| 03/28/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XX/XX/2017 I purchased a car from Volkswagen. The car is a XXXX XXXX. The agreement on my wrist contract that I signed at the Dealer was a 3.4 apr going through my contract on the website that I used they have it at a 4.5. So after calling the VW credit and bringing it to their attention. He stated that I signed that contract which I know for a fact that I didn't. He went on to send me the contract they have on hand. As I'm comparing the two contracts it clearly are 2 different contracts. Meaning that my information was still forged into this bogus contract.
|
| 08/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
My husband is a XXXX XXXX XXXX who is currently XXXX. Vw Credit financial has denied my husband and I our SCRA rights and have threatened to repossess our vehicle since we fell on hard times during his XXXX. They do not have a SCRA department or reposession department that we are able to get in touch with and has been giving us the run around. They know about the SCRA law, because they have been asking us to voluntarily surrender the vehicle instead of coming to take it ( since we live on the XXXX XXXXXXXX XXXX XXXX ). They are denying a court order as well.
|
| 09/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Volkswagen Credit will not transfer the original certificate of title to XXXX XXXX in order to register my vehicle. They are requiring XXXX XXXX to go against their policy and directly request the original certificate of title.
Due to this, I have tried to refinance the vehicle, but I can not get Volkswagen Credit to send the required documents ( namely, the certificate of title ) to my new desired lender.
This company has effectively removed my ability to 1. Register my vehicle in the District of Columbia 2. Refinance the vehicle with another lender.
|
| 12/24/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Vw credit has violated 15 usc 1635 and 15 usc 1692d.
They have admitted that it has no merit and this is another violation seeing as their actions and inactions are a violation of these U.S. codes.
They have also failed to provide the disclosed material that was given to me in accordance with 15 usc 1635.
VWcredit has admitted to an additional finance charge. This is illegal as it is supposed to be the sum of all charges.
All actions against me since XX/XX/2021 when they received their dispute Of debt, are a direct violation of 15 usc 1692g ( d ).
|
| 08/07/2020 |
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
|
|
Web |
Servicemember |
|
I am showing 5 late payments for volks wagon, I have asked for detailed report from volks wagon twice. I receive nothing it has been over 30 days that I ask for detailed information about these late payments. I was never late on my vw payments 5 late payments severely ruin my credit and it is extremely frustrating to get no response and when I do get a response VW gets nothing resolved. This is hurting my credit drastically. I ask for your help in this investigation and please help me to get these late payments deleted as they have been falsely reported
|
| 04/07/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
VW Credit of America CAN NOT resolve their system upgrade issues they had few months ago and they consistently say that I am {$0.00} past due even that I over pay by about a dollar or 2 every month. I have made every effort and talked to supervisors to resolve but I am not getting anywhere. If you look at the attached statements, you will see that i overpay what is being asked from me and yet consistently I get {$010.00} tacked on as PAST DUE. This is not right and they need to fix it. So, I need your help to have them look into my account.
Thank you
|
| 12/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Thank you so much for taking the time to read this complaint I have a dispute with XXXX reporting incorrect data on my credit report as well as VW CREDIT reporting incorrect data as well.
I have reached out to VW CREDIT and they have failed to provide proper documentation for this dispute they have not validated this debt.
VW CREDIT have not provided a contract validating this debt.
XXXX is showing no account history.
There is alot of major discrepncies with this account.
They keep reporting late payments when the account is charged off.
|
| 09/25/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2018 car was traded in at XXXX in XXXX Ca and loan paid off through dealership. Volkswagen credit received payoff from XXXX then charged my credit for a 30 day late payment for the month of XX/XX/2018. I dispute late payment on my credit through XXXX on XX/XX/2018 and XX/XX/2018 staying I was not late for the payment on XX/XX/2018 when the car was no longer in my possession. Volkswagen credit refuses to delete the negative late payment and is continuing to put me in financial hardship due to me ending my loan and lease options with them.
|
| 12/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My attorney received a letter from XXXX on XXXX XXXX stating that the account from VW Credit was no longer on my credit file. I reviewed my credit file on or about XX/XX/2019 and VW Credit account was still on XXXX. This account was settled though a lawsuit against VW Credit, and they paid off the account in full, yet it states on my credit file as a collection/chargeoff, and unpaid balance reported as a loss by credit grantor ( see attach ) Also on XXXX, it's showing as Repossession, as oppose to showing as a paid off vehicle ( see attach )
|
| 02/07/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
VW credit inc. acct # XXXX, ( XXXX ) XXXX, Orignally opened XX/XX/XXXX.
This account was included in a XXXX XXXX bankruptcy which was discharged in XX/XX/XXXX. VW Credit has reported late payment on my account, for a car I did not own, for the dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again the vehicle was surrendered at the end of XXXX as part of a XXXX XXXX bankruptcy. The information VW Credit has placed is wildly inaccurate and must be removed.
|
| 11/20/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This morning I received 22 computer generated calls to call VW Credit at XXXX.
Each call was exactly the same in duration and in content. It was strange to me that I had to log into my phone to receive the messages, which is normally on 24/7.
This is pure harassment. It was a clear violation of the FDCPA and if fines were to be applied, my car 's value would be exceeded in fines alone.
Yes, I do owe the money and I will pay, though I am considering trading the car in to another dealer and not dealing with VW Credit in the future.
|
| 04/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
VW Credit XXXX is reporting this account like still active when in XX/XX/2020 it was declared total lost due to an accident that I had on this car and my insurance and the XXXX payoffs the remains of the loan. Now after XXXX years this account reappears sold to a third party without legal rights nor my knowledge. It's the total balance of the loan XXXX which was at that time the total amount on the loan. I called VW Credit and they said that they don't have any information on that account since they sold the loan to a third party.
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was checking my credit report and noticed that VW had reported my old Car Loan to all 3 credit bureaus as 30 day late for the month of XXXX of XXXX as well as 30 day late in XXXX of XXXX XXXX Multiple calls were made to VW customer service during that time sine we were in XXXX XXXX and we were told that that we could have a forbearance until we received money again to make full payment which we did so a few months later.
I have disputed this with the credit bureaus also, but they are saying all the information is correct.
|
| 02/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I purchased the vehicle in XX/XX/XXXX in the amount of {$8000.00}. It's been ( 3 ) years and I still have a balance of over {$10000.00}. I'm paying {$350.00} per month. I've never missed a payment. I've already paid over {$10000.00}. The loan was differed ( 3 ) months in XXXX in the beginning of the pandemic. How can I possibly restore my credit when I have Volkswagen not having a arbitration policy or any way we can come to some type of consensus. This is just highway robbery. I need your assistance in resolving this matter.
|
| 02/14/2017 |
Yes |
|
- Credit reporting company's investigation
- No notice of investigation status/result
|
|
Web |
|
|
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - XXXX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting XXXX is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request verification/validation of the debt including the following :
|
| 03/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Since VW Credit unveiled their " new and improved site '', the site is broken. It crashes constantly and does not allow information to be changed. I have moved, and I wanted to update my address and contact info - when this is done, it displays a " confirmation '' with the updated info but then next time you log in, the old information persists. A total IT disaster. I asked the company for help and they replied with the standard American XXXX " call the service center ''. Not possible to manage account online effectively.
|
| 10/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX Volkswagen Credit INC has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on XXXX and XXXX and now they have changed the status to currently open as of XX/XX/XXXX on XXXX. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this account ....
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft XXXX Account Number : XXXX This is not mine.
7. Identity Theft VW CREDIT INC Account Number : XXXX This is not mine.
8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXXXXXX This is not mine..
5. Identity Theft VW CREDIT INC Account Number : XXXX This is not mine.
|
| 01/29/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
In XX/XX/XXXX my VW lease ended and paid as agreed and my account it was closed. For my surprise until now XX/XX/XXXX VW didnt fix it the wrong report information on my account with credit bureaus. The credit report shows that a lot numbers of monthly payments it was paid late some of them shows more than 90 days late. I never paid any payment late. I called VW several times and CS apologized and said they will fix it but never did it. This wrong report still placed in my credit and still affecting my financial life.
|
| 06/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Audi financial is a scam! The documents that they are sending I have never seen before. Please provide documents that I have in-fact seen and signed! My signature are not on those documents which explained someone verbally signed my name during XXXX. Next, i will be filing a discrimination suit due to I have someone else who contacted Audi of a different background and their fees were settled. My account was closed and reported paid in full and Audi reopened and reported my account as late after I filed a complaint.
|
| 04/06/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have contacted Volkswagen Credit Multiple times via phone and written correspondence. VW Credit has failed to acknowledge my dispute and failed to forward a response to my dispute. However when I dispute the account directly with the credit bureaus VW Credit seems to always respond within the 30 day window to keep the negative information on my credit report.
at this time I would like VW Credit to respond to tell me why this information must remain or remove all the negative information as i have requested.
|
| 05/26/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
The VW company does not provide a set date for payment. They change the date monthly on due date. I thought my payment was due on the XXXX of each month. I paid it 29 days late I thought so it would not affect my credit. I was told later, oh it was XX/XX/XXXX.
this is not something people have time to do check monthly payment dates.
they dinked my credit, even though they didnt have to. they do this in order to jack up the rate per month on your credit and to stop you from buying a car, making it difficult.
|
| 10/19/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
|
| 09/29/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
|
| 02/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The VW CREDIT XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
VW CREDIT XXXX
|
| 09/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
I see that XXXX is reporting me late on an account I had with VW Credit. This is incorrect as the account was included in our bankruptcy which was discharged XX/XX/XXXX. Payments were made by me to the bankruptcy administrator and we were sent the clear title from VW XX/XX/XXXX. I would like for XXXX XXXX to correct this error so my credit report will reflect a better score which I have earned. My score with them currently is XXXX as opposed to Equifax which is reporting a XXXX score currentl
|
| 04/22/2020 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
They are reporting my car was charged off with a bankruptcy but its not true. It was paid as agreed and the same company gave me a new loan on my car. They refused to remove it without a fax from my attorney and the court showing it was not part of the bankruptcy. We did that and now they say the file is large that the attorney sent and they will get back to me after they make a decision. I was never late in XXXX years!!! Please get them to correct my credit report. XXXX and the others
|
| 12/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I leased an XXXX XXXX in XXXX, after 3 service calls to replace the Turbo and Catalytic converter, I returned the junker and leased a XXXX model.Audi FINANCIAL double billed me for the XXXX lease and will not answer or return calls to fix this and put my new lease on AUTOPAY. Please go to XXXX website and see the customer reviews, they are all very negative. We wait XXXX hour and they disconnect or promise a callback that never happens. Their claim of great customer service is a fraud.
|
| 07/29/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
the rep I speak to has called me day after day. There are dunning laws that protect the individual from speaking to any debt collections and this company and its rep are in violation.
For example we spoke on XX/XX/XXXX at XXXX XXXX MST and talked about how to settle the debt and I was called again on XX/XX/XXXX at XXXX XXXX MST.
There is a grace period that allows consumers and debt collectors to not have communication and when I asked about the dunning law she said she had no clue.
|
| 12/25/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XX/XX/2017 I took out a car lease with XXXX XXXX at the time I paid for the first two months, I did inform them that the bills need to be sent to my XXXX XXXX . They failed to send the statements to the address they were told to. So I never knew a payment was due. My first indication of something being amiss is when I got a phone call to inform me of the past due balance. At that point I paid the past due balance and reiterated were the statements need to be mailed to.
VIN # XXXX
|
| 11/27/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
|
| 09/08/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I sent a payoff check and it was received by VW Credit on XX/XX/2021 at XXXX XXXX. Today is XX/XX/XXXX and the payment has still not been applied. I receive calls daily from their automated system that my loan is past due. I have called them several times and they acknowledge they have the payoff but nothing gets done. My account is now showing 30 days past due. I spoke with a supervisor on XX/XX/XXXX and they supposedly escalated it but I still keep receiving collection calls.
|
| 01/08/2020 |
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
|
|
Web |
|
|
We were denied a claim for {$1500.00} for excess wear and tear. We extended our lease for a XXXX XXXX XXXX XXXX and were not informed that it would affect our excess wear and tear charges, which we paid coverage for. The car was returned on XX/XX/XXXX and a new VW lease was purchased on the same day. We were charged the same monthly payment amount for the extension of the old lease. We were still paying towards excess wear and tear coverage and it should have been covered.
|
| 06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account Audi Financial account number XXXX, has violated my rights.
15 U.S.C. 1681 section 602 A. States I 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 instruction.
15 U.S.C. 1666 B. A creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for any purpose.
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am requesting the correction of 30, and 60 day late reporting on my credit. Audi Financial Services failed to set up autopay, resulting in money not being withdrawn from my bank account. I called in early XXXX to set up autopay and was assured by an Audi/VW finance rep that everything was in fact set up. Apparently the autopay was not set properly by one of their reps, resulting in 2 negative marks on my credit. Please see the attached letter I sent to Audi as well
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
Struggling to pay the monthly payment as well as reposition. VW credit company.
XXXX XXXX XX/XX/2023 Payment was {$790.00}. I shouldve never taken the vehicle or the loan, but I was in a XXXX XXXX and thought I needed it. Struggled to pay the monthly payment until XXXX. XXXX - i returned the car to the dealership, but its still a reposition on paperwork. Theyre saying I owe XXXX when really I should only owe the remaining balance of my loan while I had the car.
|
| 02/16/2021 |
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
|
|
Web |
Servicemember |
|
VW credit did run my credit four times. According to the document I signed. It was supposed to be one credit run in XXXX however, they did run my credit four times causing my credit to decreased almost 40 points. Now I cant close on my mortgage.
I did mail them letter but haven't heard from them. Hopefully you guys can help me with this situation.
This is their address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX VOLKSWAGEN CREDIT XXXX XXXX XXXX XXXX, OR XXXX
|
| 11/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Payments was late due to in forbearance with car loan company. In Accordance with the Fair Credit Reporting. USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit. Please adjust all late payments.
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I found out that there are in my credit 2 auto loan accounts that are affecting my credit scores and I need those accounts to be removed from my personal information as soon as possible since those accounts are not mine. I have been victim of identity theft.
This situation is giving me hard times in my job and daily life.
XXXX XXXX XXXX -- XXXX This account is reporting in XXXX and XXXX.
VW CREDIT INC XXXX -- > This account is reporting in XXXX only.
|
| 04/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
When I purchased my car I called VW to ask them if for some reason I had to move or leave the country due to work/school, if I would be able to transfer my loan to someone else fully. I was told over the phone that it was not a problem at all. Now I am being told that I would still be listed as the co-owner and responsible. There are too many people giving me different answers and now I may be stuck with a car that I bought based on different information.
|
| 06/23/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have sent a ID Theft letter and police report several times to this debt collector/auto/lease credit lender and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft. The auto lease was opened in the name XXXX XXXX. I have never used the name XXXX XXXX. My birth name is XXXX XXXX XXXX. I have never resided at the address in XXXX XXXX that is on the loan/lease.
|
| 05/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I paid off my loan with VW Credit on XX/XX/2023.
Account # XXXX.
Financed vehicle VIN is XXXX.
They refuse to provide my title. It's been 51 days and counting. They refuse to answer questions about when I can expect to receive my title.
It's not like I want the title to put it in my filing cabinet. I am trying to sell the car and this inexplicable and unnecessary delay is costing me hundreds of dollars. What do I have to do to get my title?
|
| 05/16/2020 |
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
|
|
Web |
|
|
I have a auto lease with VW XXXX XXXX XXXX services. Due to XXXX XXXX Pandemic I was adversally affected financially and contacted XXXX XXXX who agreed to a 3 month deferral of monthly payments and would NOT report that my account was delinquent or charge late fee. This is confirmed in writing. Notwithstanding agreement, VW reported to all credit bureau agencies that my account was delinquent in violation of the agreement and the CARES Act.
|
| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting Act VW Credit XXXX Account # XXXX, XXXX, has violated my rights.
15 USC 1681 Section 602 : States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
2819
|
| 08/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
At XXXX XXXX my car was getting repo. I asked for all license info I was ignored. Then was told there was nothing I could do to stop him. It took XXXX to hook up my car once the back tires were lifted he dragged my car with the brakes on, causing a issue registered in my app. Its been XXXX hrs and have not been notified about a court order or seisure or my property. My car has been entered and moved a number of times while being stored
|
| 09/06/2022 |
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
|
|
Web |
|
|
To whom it may concern : My personal financial information has been used without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am writing to notify you that I have been the victim of identity theft. I am requesting that you release me from obligation for this debt and alert credit reporting agencies and collection agencies. I appreciate your consideration of this issue in advance.
|
| 10/15/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
I pay by phone on the 1st of each month {$260.00} in XXXX pay by phone I must have push XXXX not XXXX I did n't find out until the next month when I was told to pay {$360.00}. I contacted VW credit they informed me I paid {$160.00} last month and now I am 32 days late for {$100.00} and reported to credit union. They reported {$260.00} late not {$100.00}. This is a mistake anyone could make. I knew about this 2 days to late to rectify.
|
| 01/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Spoke to VW rep regarding why my account was being reported as late for three consecutive months and requested that it be corrected. I received a letter that waived 3 months payment starting in XXXX thru XXXX. Presented to credit reporting bureaus and the 3 months was changed to XXXX XXXX and XXXX of which the period is still incorrect as I was only late for XXXX as I had a previous months XXXX XXXX and XXXX payments waived as well.
|
| 06/24/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
VW Credit made it impossible to make timely payments without the use of direct bank withdrawals by insisting on alternative primitive methods via XXXX XXXX and XXXX that often times don't work and charge exorbitant processing fees and delays. VW Credit received timely payments for 18 months and they cost me recent denial of credit by financial institutions. I was threaten by customer service of repossession in order to intimidate.
|
| 09/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I got a loan for a used vehicle from VW Credit at the auto dealership XXXX XXXX in Utah. On XX/XX/2018 XXXX XXXX pulled my credit score and then did it again XX/XX/2018. VW Credit also pulled my credit score on the same day XX/XX/2018. I was not aware of these multiple pulls until I recently applied for a credit card and I could not get approved because of having so many hard inquires in such a short amount of time.
|
| 02/28/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
On XX/XX/XXXX my XXXX XXXX XXXX was repossessed. When I contacted VW Credit they advised me that because I was paying a partial payment versus the full payment placed my car in repossess status. I have paid this company {$200.00} every 2 weeks since XX/XX/XXXX when I purchased as a new vehicle. This company has harassed me so bad I had to find a lawyer to assist me with this case. I just want this off of my credit.
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I Sent in a copy of my ftc report along with my police report to XXXX, which they received on XX/XX/XXXX. I called on XX/XX/XXXX and they stated it will take up until XX/XX/XXXX to get results and refused to give me an explanation as to why it will take more than 30 days. This is after repeated request for them to provide me the information that they are allegedly using to verify if the account is accurate or not.
|
| 12/18/2022 |
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
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
My VW Credit loan for a XXXX XXXX was not total cashed out according to the guidelines of the GAP claim checklist filed with VW of America. The credit report show that the balance was charged off at XXXX. The balance should.be XXXXThis is affecting my debt.to equity ratio and the vehicle was wrongfully repossessed... I have most documentation and will observe and report accordingly...
2012 XXXX XXXX XXXX XXXX
|
| 05/30/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
The insurance group of several leasing / loan auto companies, ( XXXX XXXX XXXX XXXX Washington I believe ), keep sending me faxes that have nothing to do with me and have the personal information of other people. The most recent one was sent at XXXX. I have called them to stop it but there is no one to talk to. I have left 5 messages. I am starting to believe that some low level employee is doing it on purpose.
|
| 10/28/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
Leased a car Thru Volkswagen Credit XX/XX/XXXX and leased a XXXX car from Volkswagen Credit XXXX, under the understanding that the disposition or return fee for the XXXX lease will be waived as I was leasing a XXXX car from them.
The XXXX lease was returned today and Volkswagen Credit is charging me a disposition fee ; unfortunately I can not buy or lease a car from VW because they DO N'T have the desire SUV
|
| 01/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019, XXXX Inquiry : XXXX. XXXX, 2019, VOLKSWAGEN CREDIT Inquiry : XXXX. XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
|
| 10/14/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit history shows that my final bill for XX/XX/2018 was 30 days late, thus giving me my only negative mark on my credit report. I believe this late payment is not correct as I paid off my loan off during that same month. Im not sure why Volkswagen Credit would give out negative marks to a loyal customer who paid on time every time and paid my loan in full. This company should not be dealt with!
|
| 12/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I returned a vehicle to XXXX XXXX off lease and picked up a new leased vehicle from the same dealer on XX/XX/20. The car was clean and dent free. Today I received a call from a collection agency ( XXXX XXXX ) stating that I owed {$660.00} on the returned vehicle. I never received any prior notification or report of any damage to returned vehicle. I was threatened with a judgement if I did not pay.
|
| 07/05/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had a car repossessed in XX/XX/XXXX. At the time I was out on XXXX due to a work injury and a single parent. I was financially insolvent. VW Credit just submitted the charge off with tax year XX/XX/XXXX. Now the IRS is auditing my income for tax year XX/XX/XXXX. My understanding is that they are outside of the statute of limitation to charge off a debt that happens in XX/XX/XXXX in XX/XX/XXXX.
|
| 03/04/2019 |
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
|
|
Web |
|
|
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.
|
| 04/12/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I totaled my previous car on XX/XX/2020. XXXX insurance issued a check for XXXX and my damages were only XXXX. Whoever my salesman was when I getting into my new lease ASSURED me I wouldnt have anymore debt especially since insurance paid for more. That was how I was able to get a low rate/low down payment was because of assurance that insurance would cover damages and lower everything for me.
|
| 01/12/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Additional {$500.00} payment was credited to future interest instead of reducing principal I tried to contact them to properly apply the payment, but : Their website provides a telephone number that always gives messages to try again later I sent a secure e-mail to the address on their website but received no response I sent a letter to the address on their website but received no response
|
| 11/08/2019 |
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
|
|
Web |
|
|
Hard enquiry from Unknown resources on XXXX 1. Institution Information XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX 2. Institution Information XXXX XXXX, CA XXXX ( XXXX ) XXXX 3. Institution Information XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 4. Institution Information Vw Credit XXXX, IL XXXX ( XXXX ) XXXX Hard enquiry from Unknown resources on XXXX 1. XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
|
| 03/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On about XX/XX/XXXX I tried to contact Volkswagen care and credit telling them Im permanently XXXX which left me without a job, collecting XXXX and losing half of take home every week. My wife had to get a job jus to help me with my bills. Volkswagen denied me any option to trade it in or lower my monthly payment. I sent them all proof they required still cant afford the payment today
|
| 01/20/2020 |
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
|
|
Web |
|
|
On XX/XX/19 My credit was run twice, once through VW Credit ( My lender on my car loan ) and once by the dealership ( XXXX XXXX ) I called VW Credit and they were not properly able to explain why the dealership had run my credit even though they were not my lender. This dealership also completely manipulated the buying process for me in which I will be creating a separate complaint.
|
| 12/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
|
|
1. Identity theft by sharing private information with third parties.
2. Misappropriation of collateral by creating and selling the contract without administering valuable consideration to the endorsement of contract.
3. Company has not paid transfer tax.
4. Due to lack of valuable consideration, dividend was never distributed to the beneficial owner of original contract signor.
|
| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Audi financial DID NOT GIVE NOTICE THAT THEY WERE USING A NEW WEBSITE AND PAYMENT PORTAL. I WAS NOT ABLE TO SUBMIT MY PAYMENT USING THE OLD PORTAL. I HAVE NEVER BEEN LATE OR MISSED A PAYMENT IN 14 YEARS. AUDI IS AT FAULT FOR THER INABILITY TO RECEIVE THE PAYMENT ON TIME AS THIS WAS MY PRIMARY METHOD OF PAYMENT. THEY COMPLETELY CHANGED TO A NEW WEBSITE WITHOUT TELLING THE CUSTOMER
|
| 10/27/2020 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX..Volkswagen credit reported to the credit bureau 30 day late payment.I wasnt late, it was a bank error with my funds being processes. I contacted Volkswagen in XX/XX/2020, for a goodwill and they denied. Due to not having document from bank. On XX/XX/2020, I submitted a letter head statement from the bank in regards to my payment history and the error which was made.
|
| 03/21/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
Audi/VW Financial has stopped sending monthly statements in XXXX 2016 for the following reason : " You have made payments greater than actual due and we are using a third party company to issue statements. Since you 'do n't owe ' money we ca n't send you a statement. '' As a consumer, I am entitled to know 1 ) if they actually got my payment and 2 ) my current balance.
|
| 03/17/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I submitted a complaint # XXXX on XX/XX/XXXX to have Volkswagen cease from calling me with robo calls which I have confirmed with Volkswagen they received on XX/XX/XXXX. I received another robo call on XX/XX/XXXX and called Volkswagen to advise them to stop again. I then received another robo call on XX/XX/XXXX and called Volkswagen back to advise them to stop again.
|
| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a joint auto lease through VW Credit , Inc. with my husband that ended in 2017. The lease shows on both of our credit reports with XXXX a balance of {$17000.00}. The other credit reporting agencies show the account properly with an {$0.00} balance. I have reached out multiple times to VW with a promise of an resolution & to this day nothing has been resolved.
|
| 06/05/2023 |
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
|
|
Web |
|
|
First, Audi closed my accounts and reported it to the creditors that the account was paid and closed. My name was forged on deferment payments I have asked them to provide proof of my signature this representative had me to send her {$500.00} to defer my loans which is unethical. This company should be fined for scamming their customers out of money during covid.
|
| 03/20/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I had a car along with Volkswagen credit the car blew up if you see any news in XXXX theres a major issue with Volkswagen cars I had an issue with the engine in the injectors and I return the vehicle they are now trying to destroy me seven years later and they should no longer be on my credit and it should be resolved I dont know what to do I need your help
|
| 04/16/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
We made a electronic bill pay through our bank that was incorrect and subsequently overpaid the amount due. When we advised VW Credit of the problem they REFUSED to return our money. Even after being assured by our bank that the funds had cleared, VW refused to return the overpayment. VW can not be trusted. Still have not been repaid for the over payment.
|
| 07/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have a loan with volkwagen credit. They have blocked my number, they are accepting my payments and cashing my checks for my new car. They denied I have an account with them when I blocked my number to call. I asked for a supervisor then was hung up on again. I've never been sent ANY DOCUMENTS AND THESE THUGS BLOCKED MY NUMBER WHO SERVICE MY LOAN??????
|
| 03/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XX/XX/2023 I applied for credit with AUDI FINANCIAL SERVICES and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a XXXX XXXX XXXX XXXX Fully Loaded.
|
| 10/27/2021 |
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
|
|
Web |
|
|
I moved from XXXX to XXXX. I am trying to retitle my car in XXXX. I have called countless times, emailed may times over the last two weeks and still Audi can not get the needed information to XXXX. My tags on the car soon expire, once expired I cant get to have it inspected, but XXXX will not inspect the care unless Audi first sends the documents.
|
| 06/04/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was looking at my Volkswagon statement and I noticed some inaccuracies. I do not believe I owe this debt.
I sent a debt validation letter to VW Credit pursuant to 12 CFR 1006.34 to validate the alleged debt.
I am writing to you to document the letter being sent.
I have attached the debt validation letter, and certified mail number below.
|
| 06/30/2020 |
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
|
|
Web |
Servicemember |
|
My lease began in XX/XX/XXXX. It ended in XX/XX/XXXX. The original lease " turn in fee '' was disclosed as {$250.00}. But when I turned in the car, they demanded {$350.00}.
I immediately wrote Volkswagen XXXX a letter to dispute the claim, but I haven't heard back. I asked them to send me a copy of the original lease, but I haven't heard back.
|
| 01/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I have a loan with Audi FInancial. I have requested paper statements ; however, they do not send me statements - presumably because I have paid ahead and so no current amount is due. Further, when I go to the website there are no current statements online ; nor does the website give the current balance anywhere so it can be checked or verified.
|
| 03/15/2022 |
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
|
|
Web |
|
|
The VW CREDIT XXXX XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response and I have decided to seek your help to have this account blocked.
|
| 08/28/2020 |
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
|
|
Web |
|
|
Hello, VW sent an inspector to inspect the car before we returned it to the dealership. Report attached. Based on this report we were ONLY liable for the extra miles. We did change the tires to bring it up to par.
I have reached out to VW finance but have not heard back from them on this issue. We would like to resolve this issue asap.
|
| 10/11/2023 |
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
|
|
Web |
|
|
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : VW CREDIT INC XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
|
| 10/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.
|
| 03/13/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
VW Credit is reporting XXXX late payments from a car purchased thru them on XX/XX/XXXX. The account was settled and paid in full by XX/XX/XXXX. The late payments are showing in XX/XX/XXXX which at the time the car was paid in full plus the fact XXXX years have passed since the last activity so this account should not still be reported.
|
| 11/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Company : XXXX XXXX XXXXXXXX.
Vehicle:2017 XXXX XXXX XXXX XXXX : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.
|
| 04/16/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
My car was repossessed and the remaining balance is wrong. I had a trade in when I leased this vehicle. Which was valued at XXXX and my loan was for XXXX, now its showing XXXX on my report. They repossessed my car on XX/XX/2021. I also was unable to make payments on the car due to child support issues. They would not work with me.
|
| 05/19/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am currently on a payment deferment on this lease with VW because of the Coronoa Virus outbreak. They reported me late 30 days last month even though I am on a {$0.00} monthly payment with them. I called to try and fix it and they said they needed to see a dispute before they could fix it. this seems outrageous! please help me!
|
| 03/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
Hello, I have refinanced my loan with VW credit inc and the account was closed from XX/XX/XXXX. There was an over payment on the account of over {$2000.00} due to cancellation of service protections. I have called VW once or twice a week to get the status of my refund and every time it is a different story. I need my money back
|
| 04/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
VOLKSWAGEN CREDIT XXXX IS IN VIOLATION OF THE LAW ACCORDING TO 15 USC 1681a 2 ( A ) ( i ) which states that, any reporting containing information solely as to " TRANSACTIONS OR EXPERIENCES '' between the consumer and the person making the report. So reporting LATE PAYMENTS IS CONSIDERED, BY LAW, A TRANSACTIONS OR EXPERIENCE.
|
| 08/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid off the total balance in XXXX XXXX and as today ( XXXX XXXX XXXX ) it appears in my credit report that I have an outstanding balance of {$18000.00}. The last date reported was XXXX XXXX XXXX and the last payment reported was on XXXX XXXX XXXX. This incorrect and dated outstanding balance is damaging my credit profile.
|
| 02/16/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
The company has been adding late fees and overdue notices several times a month when a payment is only due once a month. They have altered their due dates so my it looks like more than one payment is due per month so they can charge late fees. I have addresses this and they add a late notice to my credit score each month.
|
| 08/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There's a fraudulent account being reported to my XXXX credit report. I have sent numerous disputes letters to XXXX along with a police report and FTC affidavit notarized and they will not remove the account. It's a fraudulent account reported by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX dating back XX/XX/2015.
|
| 01/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I had one of the XXXX diesel vehicles that was bought back in XXXX of 2017. The account still reflects being open on my credit report when it should obviously be a closed account. The balance reflects XXXX which means it was updated appropriately, but the account there is no reason for the account to still be open.
|
| 10/25/2023 |
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
|
|
Web |
Servicemember |
|
Volkswagen credit is reporting a late or missed payment when i never missed a payment the loan has 2 payments until paid off i have submitted disputes with the credit agencies and Volkswagen credit says veried when i have proof of two payments made in the month of XXXX and XXXX this needs to be removed immediately.
|
| 04/06/2023 |
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
|
|
Web |
|
|
I bought out me leased vehicle through Audi Financial service in beginning of XX/XX/2023. After weeks passed I called regarding title status. They told me that they were changing title company 's and there was a 4 week delay. I have called and used Audi care website over a dozen times and to date still no title.
|
| 08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Loan number XXXX was incorrectly reported as being part of a bankruptcy when this vehicle was a total loss. I was in communication with the total loss department of Volkswagen credit on numerous occasions dealing with this incident. This vehicle was in a severe motor vehicle accident and not part of a bankruptcy
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an established agreement with Volkswagon XXXX due to being impacted by the pandemic and Volkswagon is in violation and continues to tarnish my credit report while I have an arrangement with them. I called and was informed that they are behind and will continue to derogatorily report on my credit report.
|
| 08/09/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite being coded as " affected by natural disaster, '' VW Credit continues to report my satisfactorily paid vehicle loan as delinquent in XXXX and XXXX of 2018. I complained to VW Credit and they advised they would fix the problem. To date, this has not been done and I continue to suffer because of this.
|
| 10/26/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Today they have sent a tow truck to come and steal my vehicle in the middle of the night. I have told them that I want to rescind the transaction and they havent responded yet. They have violated my rights as a consumer. I have explained to them that everything was paid for and they still took my property.
|
| 08/28/2020 |
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
|
|
Web |
|
|
I have a loan with XXXX XXXX XXXX and VW CREDIT. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX and VW CREDIT with no successful resolution. There was definitely an error on their part
|
| 08/09/2020 |
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
|
|
Web |
|
|
I have a loan with XXXX XXXX and VW CREDIT INC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and XXXX XXXX, VW CREDIT INC with no successful resolution. There was definitely an error on their part.
|
| 05/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
I bought another VW in XXXX anticipating the XXXX ( diesel fraud ) buyback announced for XXXX 2017 , but delayed till XXXX 17. I called VW and informed them of my inability to continue XXXX car payments and no problems were mentioned then. I sold the car back to VW in XXXX XXXX , 2017 .
|
| 09/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The item that I am disputing is the following : XXXX XXXX XXXX XXXX The reason that the item is inaccurate is because I was never late. Please look my bank statements that I have attached to this letter. The correct information should be : Paid on time, NEVER LATE. So I am requesting that it be changed.
|
| 11/30/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX ( automated dialer call from Volkswagen credit ) has called me XXXX times in the past XXXX months without my express consent. I have called and asked to speak to a supervisor regarding this, one was supposed to call me back and never did. I attached screenshots of the dates and times of the calls.
|
| 04/27/2023 |
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
|
|
Web |
|
|
Bank Check to buyout lease with Volkswagen Credit was sent XXXX..called numerous times to check status of title being sent and no reasonable explanation is given other than it resides w their vendor. I requested the vendor name and contact information and they would not release this information to me.
|
| 02/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I believe XXXX XXXX, XXXX provided VW Credit with fraudulent documents in order to transfer the title for my XXXX XXXX XXXX to XXXX XXXX, XXXX. I mailed VW Credit a request for all the documents and correspondence exchanged between itself and XXXX XXXX, XXXX XXXX XXXX XXXX but have not received them.
|
| 05/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a maintenance package with a new car, from the manufacturer. I am returning the car with XXXX miles on it. I have been told the maintenance plan is tied to the car and the auto manufacturer is keeping the money. The manufacturer in question is XXXX and the maintenance plan is AudiXXXX
|
| 02/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. XXXX account ending in XXXX, has violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy.
15 U.S.C 1681 Section 604A Section 2 also states A consumer reporting agency can not furnish a without my written instructions
|
| 02/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Account Closed paid off by XXXX.
XXXX XXXX XXXX XXXX Account XXXX Account Type : Loan Total Amount Due : {$560.00} Due Date : XX/XX/2021 Your payoff quote history is provided below.
Payoff Quote History Date Good Through Quote Type Amount XX/XX/2021 XX/XX/2021 Online Payoff {$13000.00}
|
| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I return car back to dealaship back in XX/XX/XXXX, it is still showing open on credit report and I went to XXXX and they still saying wait, but the account should said close because I turn in and paid last payment and it is now XX/XX/XXXX and it is holding me up from getting another car
|
| 06/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Volkswagen Credit and Audi Financial Services are reporting incorrect information on my XXXX Credit Report. The account went into 90 Days past due in XXXX and they are incorrectly reporting this information for XXXX. This account was also sent to the IRS as a bad debt and paid in full.
|
| 07/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
VW credit changed the amount owed on a charge off on my credit report. I filed a dispute for incorrect information and they just changed the balance and put it in my credit report. I traded in my car and it shows that the car was repo and I have had this on my credit. It is inaccurate.
|
| 04/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I had a tough time paying my lease payment lease due to transitioning into a new job role. I tried reaching out to the leasing company to rectify the situation, but to no avail. Most late payments were 30 days.5 times in XXXX, 5 in XXXX and once in XXXX ( 11 total out of 36 months )
|
| 12/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Vehicle was involved in a collision that resulted in a total loss. The responsible insurance company did not pay the required balance in a timely manner resulting in a missed payment. The account has since been closed and the company has failed to report this to the credit bureau.
|
| 07/27/2023 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
I was diagnosed with XXXX and missed a loan payment.
Ive sent them a doctors note which stated I was admitted into a hospital for care. According to the CARES Act - Covid was deemed a Natural Disaster and National State of Emergency and I should not have my credit penalized.
|
| 06/10/2021 |
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
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 09/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 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.
|
| 03/21/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
1. VW Credit refuses to provide me with a payoff quote amount today XX/XX/2022. I went on line & says i have to go to one of their chosen dealers & purchase another V.W to get payoff quote.
2. When calling i get the same response & refusal to provide this basic information.
|
| 11/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 11/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have written to XXXX on a minimum of three occasions requesting proof that I was ever late in my payments and they have not provided me with a pay history from the beginning of the account opening. These late payments being reported are harming my credit profile and score.
|
| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I CONTACTED THE IRS TO UPTAIN MY 1099. AND THEY SENT ME THIS. VW CREDIT IS COMMENTING FRAUD. WHY MY TOTAL WRITE OFF XXXX. THEY OWN ME A REFUND FOR SAYING I HAD TO PAY THAT AMOUNT ON MY CREDIT FILE.
( ACCT # XXXX VW CREDIT LLC ).
THEY ARE VIOLATING MY CONSUMER RIGHTS.
|
| 11/20/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
|
| 06/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
VW Credit of {$21000.00} is being dates aren't correct XX/XX/XXXX to XX/XX/XXXX. the XXXX is owed is not correct of {$12000.00}.
The account keeps being repost over the last 8 yrs. Last payment needs to be verified. The accounts have been resolved and settled.
|
| 04/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I am XXXX vet I can no longer afford the payments for the vehicle I tried to even talk to Audi financial to explain I just want to transfer to vehicle out of my name into another person name who would want to have the vehicle and they are giving a hard time
|
| 04/04/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
the leasing company sent the billing to wrong addresses twice. They Apologize over the phone and promise you everything will be fixed corrected and rectified meanwhile due to emails and certified mail.
Audi Financial Services XXXX. XXXX XXXX XXXX, OR XXXX
|
| 03/23/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My XXXX was " bought back '' as part of the XXXX Settlement on XX/XX/2017. The loan payoff amount was not accurately calculated, which resulted in a loan overpayment of {$1700.00}. Instead of these funds being distributed, they are being held for a month.
|
| 05/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
After the car was returned to Volkswagen back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.
|
| 04/28/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
|
|
Audi XXXX XXXX have not paid the equity coming from the trade in, after one month of the lease of a new car. In addition to the previous, they have not delivered the license plates paid, and was forced to buy the window film and nitrogen for the tires.
|
| 03/25/2021 |
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
|
|
Web |
|
|
I have requested multiple times proof of how much the vehicle was sold for during auction. I have not received a response or call backs. Im requesting this account to be removed from my XXXX and XXXX as the amount they are requesting is not valid.
|
| 05/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Received a 90 day deferment for my auto lease from Volkswagen credit. For months XXXX, XXXX, XXXX Due to the Covid 19 and being furloughed. XXXX continues to report to the credit bureau that I'm deliquent. The say they will correct it but never do..
|
| 03/14/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I had a leased vehicle from XXXX-XXXX and turned it in early because there were some miscommunications and I was put in a low mileage lease that was XXXX a year when I travel XXXX miles per day for work, There was a change made without my knowledge.
|
| 04/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have 3 hard inquiries from Volkswagen credit on my XXXX report provided by XXXX XXXX. Two from VW credit on XX/XX/19 and XX/XX/19, and one from XXXX XXXX in XX/XX/19. I only applied for one loan so I would expect to only have 1 hard inquiry.
|
| 06/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
I totaled my car and notified VW Credit on XX/XX/2018. They promised a XXXX day response and it is now past that time. They now say it might be sometime next week. Each day they delay it is costing me interest. This is with VW Credit
|
| 08/09/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
4 Remaining Negative Accounts.
Account Name : VW CREDIT Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
|
| 04/28/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
My account was transferred to XXXX XXXX XXXX XXXX account number XXXX the we reached and agreement to settle paid XX/XX/20. Requested they report to vw credit to adjust my credit file not completed to date still shows a balance.
|
| 09/19/2019 |
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
|
|
Web |
Servicemember |
|
VW CREDIT INC is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
|
| 05/01/2023 |
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
|
|
Web |
|
|
I have purchased my vehicle at the end of the lease. Audi financial team quote the final price. I have sent the check. they have cashed the check immediately. It's been more than four months and I am still waiting for my Title.
|
| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
XXXX has account number XXXX with XXXX/XXXX listed on my credit as a negative on my credit report. They transferred it to another lender and I paid off the debt since. Request to remove this negative mark on my report please!
|
| 01/09/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
The vehicle was stolen and never late. When I called the creditor agreed to clear the late payments for excellent pay history and good will. Since the vehicle was stolen and this was the end of the loan period.
|
| 01/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
Payment was paid but was put on the credit bureau. Tried to trade automobile because of lowering interest rate but volkswagen put a credit report which made my credit report fall from good to bad. not my fault.
|
| 10/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I contacted them and told them i was on XXXX orders and wasnt in the States. I had no ways of communication with anyone. I was on Orders for the United States XXXX. I have Orders. I am XXXX XXXX XXXX Thanks
|
| 01/18/2022 |
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
|
|
Web |
|
|
XXXX XX/XX/XXXX XXXX of XXXX XXXX April 08 XXXX XXXX imports XX/XX/XXXX and XX/XX/XXXX No action taken yet I do Not recognize the hard inquiries on my account i XXXX have an idea on whos using my information
|
| 04/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off the loan in XX/XX/2023 and as of today I have not received a title. VW credit has told me on XXXX different phone calls that it has been " expedited '' on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
|
| 05/12/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Unfortunately, at the time of the incident, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
|
| 10/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
Trying to dispute and remove this {$44000.00} for VW credit opened on XXXX of 2021, which is fraud and Id theft have tried to clear up with volks wagon financial but they wont give me info on fraud
|
| 11/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. Willful noncompliance regarding account number XXXX.
|
| 02/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have a delinquent notification on my credit report form Volkswagen Financial that states that I was 90 days late in XXXX-XXXX of XXXX. This account was closed and paid in full in XXXX of XXXX.
|
| 06/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
hello, I had a XXXX XXXX XXXX, the vehicle got bought back in 2017, its still on all 3 credit bureaus, I call several times, no response, like to get it removed to get a better credit score
|
| 07/12/2020 |
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
|
|
Web |
|
|
Volkswagen Ancira ran 4 separate credit checks in one day, I only gave permission for the first one. All 4 inquires were on XX/XX/2019. The names were XXXX Volks 2x, Vw Credit, and Vw XXXX.
|
| 12/04/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX, XXXX, and XXXX continue to fail to delete the negative information " charge off '' from my credit report despite having documentation from the government supporting my claims.
|
| 05/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX I Financed brandnew XXXX XXXX with VOLKSWAGEN CREDIT Sold it to XXXX in XX/XX/XXXX.
two years later it appeared on my credit with a {$8000.00} balance out of the blue
|
| 09/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
They were supposed to remove. I went to Audi they said it was applied wrong and then when I sold them back card they didnt pay it off for 57 days.
They said they would remove
|
| 03/15/2023 |
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
|
|
Web |
|
|
Will not send title and bill of sale Please do a search on XXXX for Audi finance, there are multiple complaints I paid off my car in XXXX.
Is this a possible class action?
|
| 02/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXXXXXX is reporting to all 3 agencies that in XX/XX/XXXX & in XX/XX/XXXX there is " no data available '' although I paid both months on-time and in full.
|
| 06/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
i have been under identity theft since 2004 a car was purchased in my name and it wasnt me and now when i try to get a new vehicle they bring up the vw credit incident
|
| 01/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Numerous calls to cell phone for another person who allegedly owes money to XXXX. Advised them that the person doesnt own this number and we have never owned a XXXX
|
| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, XXXX XXXX HAS violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
|
| 12/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a hard inquiry for VW Credit XXXX on X/X/17 as well as XXXX XXXX also on X/X/17 which does not make sense as I have had a lease with XXXX now for 5 years.
|
| 12/27/2021 |
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
|
|
Web |
|
|
I was not able to extend my credit to myself for personal use. I have not been able to live. Its been a hassle with all of these fraud errors on my account.
|
| 07/18/2021 |
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
|
|
Web |
|
|
The following hard inquiries listed on my credit report ( s ) were not authorized : XXXX - VW Credit Inc XX/XX/2020 XXXX - Volkswagen Credit XX/XX/2020
|
| 01/09/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
|
| 12/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
This is not a duplicate complaint from 2021, I have made several payments that financial company did not apply any amount to principal balance.
|
| 02/23/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation.
|
| 06/08/2021 |
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
|
|
Web |
|
|
The payment history of this account is incorrect. This was on forbearance under CARES Act. Please investigate and update with lawful accuracy.
|
| 02/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had sent the check as a payment before XX/XX/2017 ( the due date ) But the payment came back to me. I was never late on payments
|
| 05/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I was shocked when I reviewed my credit report and found several late payments on the dates below : 30 days past due XX/XX/2014
|
| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have an inquiry on my credit report from VOLKSWAGEN CREDIT. This was not me and I am not currently looking to buy anything.
|
| 12/28/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Cost of extended warranties are different to what was provided. They are much more expensive than what was described to me.
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX {$88000.00} charge off!
Volkswagen credit XX/XX/XXXX {$39000.00} XXXX XXXX XXXX XXXX XXXX balance
|
| 09/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Please send me The Account Statement for XXXX to my address XXXXXXXX XXXX XXXX XXXX XXXX oh XXXX immediately. Thank you.
|
| 01/27/2020 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XX/XX/2016 the amount of debt XXXX atfer talking to them about and ask to stop calling me because i dont have the money
|
| 06/14/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
1. VW CREDIT INC with ACCT # XXXXXXXX opened on XX/XX/2016 with a credit limit of {$13000.00} -This is not my account.
|
| 12/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
the payment portal is not functioning and customer service refuses to rectify and practices deceptive compliance
|
| 11/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
XXXX was paid in full on XX/XX/2023. Company has been non-responsive in releasing XXXX on vehicle.
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Credit reports state I have a repossession account in which I do NOT have with VW. Please delete.
|
| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Information remains on my credit report after countless attempts at removing information.
|
| 07/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone stole my identity and opened many accounts without my permission or authority.
|
| 06/20/2020 |
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
|
|
Web |
|
|
Unusual notifications/responses from crediting checks. ( XXXX, XXXX XXXX )
|
| 05/31/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 RE. We have disputed this account.
|
| 05/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
VW CREDIT INC- XX/XX/XXXX {$18000.00} REPORTING LATE PAYMENT XX/XX/XXXX
|
| 06/17/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of violent crime. I am not responsible for this account.
|
| 08/08/2019 |
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
|
|
Web |
|
|
XXXX XXXX ran my personal credit multiple times without my consent.
|
| 01/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Company fails to comply with the laws associated with this loan.
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Identity Theft VW CREDIT Account XXXX : XXXX This is not mine.
|
| 06/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
sent the ftc violaton they are taking more than 30-45 days
|
| 09/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
The Volkswagen company charging extra fees on the leased
|
| 10/18/2023 |
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
|
|
Web |
|
|
Remove All Fraudulent Accounts Immediately!!
|
| 01/25/2021 |
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
|
|
Web |
|
|
I didnt authorize the inquiries.
|
| 02/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Money order, traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
|
| 01/10/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company communicating payment assistance or payment extension options
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 01/02/2024 |
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
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 12/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
|
| 12/22/2023 |
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
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/18/2023 |
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
|
|
Web |
|
|
|
| 12/17/2023 |
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
|
|
Web |
Servicemember |
|
|
| 12/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/06/2023 |
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
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 12/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Deficiency balance after repossession
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 11/12/2023 |
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
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/05/2023 |
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
|
|
Web |
|
|
|
| 11/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/30/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 10/27/2023 |
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
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
|
|
| 10/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
|
| 10/20/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 10/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 10/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/15/2023 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 08/10/2023 |
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
|
|
Web Referral |
|
|
|
| 08/08/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
|
| 07/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 07/24/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/18/2023 |
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
|
|
Web Referral |
|
|
|
| 07/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web Referral |
|
|
|
| 06/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
|
| 06/28/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 06/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 06/16/2023 |
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
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
|
| 06/12/2023 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/29/2023 |
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
|
|
Web |
|
|
|
| 05/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 05/08/2023 |
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
|
|
Web |
|
|
|
| 05/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 05/05/2023 |
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
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/30/2023 |
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
|
|
Web |
|
|
|
| 04/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 04/26/2023 |
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
|
|
Web |
|
|
|
| 04/24/2023 |
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
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Phone |
|
|
|
| 04/18/2023 |
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
|
|
Web |
|
|
|
| 04/17/2023 |
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
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 04/12/2023 |
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
|
|
Web |
|
|
|
| 04/10/2023 |
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
|
|
Web |
|
|
|
| 04/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 04/04/2023 |
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
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/15/2023 |
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
|
|
Web |
|
|
|
| 03/14/2023 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/13/2023 |
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
|
|
Web |
|
|
|
| 03/13/2023 |
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
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/23/2023 |
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
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/06/2023 |
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
|
|
Web |
|
|
|
| 02/03/2023 |
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
|
|
Web |
|
|
|
| 01/31/2023 |
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
|
|
Web |
|
|
|
| 01/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 01/23/2023 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/13/2023 |
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
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 12/25/2022 |
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
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Phone |
|
|
|
| 11/30/2022 |
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
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 11/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 11/22/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 10/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 10/13/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/09/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 09/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Phone |
|
|
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/18/2022 |
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
|
|
Phone |
Older American |
|
|
| 08/09/2022 |
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
|
|
Web |
Servicemember |
|
|
| 08/05/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 08/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 07/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/12/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- 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
|
|
Web |
|
|
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/06/2022 |
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
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/24/2022 |
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
|
|
Referral |
|
|
|
| 05/24/2022 |
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
|
|
Referral |
|
|
|
| 05/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Referral |
|
|
|
| 05/21/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
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
|
|
Web |
|
|
|
| 05/19/2022 |
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
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/04/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/04/2022 |
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
|
|
Web |
|
|
|
| 03/28/2022 |
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
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/12/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
|
| 03/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 03/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/15/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 02/12/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 02/10/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/02/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 01/31/2022 |
No |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
|
| 01/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/26/2022 |
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
|
|
Web |
|
|
|
| 01/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/04/2022 |
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
|
|
Web |
|
|
|
| 01/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 01/03/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 12/16/2021 |
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
|
|
Web |
|
|
|
| 12/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 12/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 12/06/2021 |
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
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 12/01/2021 |
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
|
|
Web |
|
|
|
| 11/30/2021 |
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
|
|
Web |
|
|
|
| 11/30/2021 |
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
|
|
Web |
|
|
|
| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/12/2021 |
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
|
|
Web |
|
|
|
| 11/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/05/2021 |
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
|
|
Web |
|
|
|
| 11/04/2021 |
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
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
Older American |
|
|
| 11/01/2021 |
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
|
|
Web |
|
|
|
| 10/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 10/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 10/04/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 10/04/2021 |
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
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Phone |
Servicemember |
|
|
| 09/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 09/20/2021 |
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
|
|
Web |
Older American |
|
|
| 09/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/10/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 09/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 09/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/28/2021 |
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
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 08/26/2021 |
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
|
|
Web |
Servicemember |
|
|
| 08/25/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Phone |
Servicemember |
|
|
| 08/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 08/11/2021 |
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
|
|
Web |
|
|
|
| 08/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/05/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 08/03/2021 |
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
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Problem getting your free annual credit report
|
|
Web |
|
|
|
| 07/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 07/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/14/2021 |
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
|
|
Web |
|
|
|
| 07/10/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/09/2021 |
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
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 07/01/2021 |
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
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 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
|
|
Web |
|
|
|
| 06/23/2021 |
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
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 05/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Phone |
|
|
|
| 05/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 04/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
|
| 04/09/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/02/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 03/09/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 02/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/19/2021 |
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
|
|
Web |
|
|
|
| 01/14/2021 |
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
|
|
Web |
|
|
|
| 01/11/2021 |
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
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 01/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 12/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 12/14/2020 |
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
|
|
Phone |
|
|
|
| 12/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
|
| 12/08/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 11/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 11/28/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 11/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 11/16/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 11/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Phone |
Older American |
|
|
| 11/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 11/10/2020 |
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
|
|
Web |
Older American |
|
|
| 11/05/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 11/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
Servicemember |
|
|
| 11/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/26/2020 |
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
|
|
Phone |
Older American |
|
|
| 10/21/2020 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/16/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 10/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 09/30/2020 |
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
|
|
Web |
|
|
|
| 09/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/17/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/02/2020 |
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
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
|
| 08/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 08/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 07/31/2020 |
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
|
|
Web |
|
|
|
| 07/28/2020 |
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
|
|
Phone |
|
|
|
| 07/27/2020 |
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
|
|
Web |
|
|
|
| 07/26/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/16/2020 |
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
|
|
Web |
|
|
|
| 07/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/09/2020 |
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
|
|
Phone |
|
|
|
| 07/09/2020 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/08/2020 |
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
|
|
Web |
Older American |
|
|
| 07/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 07/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 07/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 06/16/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 06/01/2020 |
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
|
|
Web |
|
|
|
| 06/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
|
| 05/13/2020 |
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
|
|
Web |
Servicemember |
|
|
| 05/06/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/22/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
|
| 04/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/17/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 04/13/2020 |
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
|
|
Web |
|
|
|
| 04/07/2020 |
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
|
|
Web |
|
|
|
| 04/05/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 03/28/2020 |
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
|
|
Web |
|
|
|
| 03/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 02/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 02/17/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 02/07/2020 |
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
|
|
Web |
|
|
|
| 12/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 11/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Phone |
|
|
|
| 11/14/2019 |
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
|
|
Phone |
|
|
|
| 11/06/2019 |
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
|
|
Web |
|
|
|
| 11/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 10/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 10/12/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/04/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 09/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 09/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 08/27/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 08/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/29/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/18/2019 |
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
|
|
Postal mail |
|
|
|
| 06/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 06/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Phone |
|
|
|
| 06/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 06/11/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Postal mail |
Servicemember |
|
|
| 05/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 05/27/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Servicemember |
|
|
| 05/03/2019 |
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
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 04/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/02/2019 |
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
|
|
Referral |
|
|
|
| 03/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 03/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Phone |
|
|
|
| 03/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Postal mail |
|
|
|
| 02/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 02/23/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 02/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/17/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 02/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/29/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
Older American |
|
|
| 12/17/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Phone |
|
|
|
| 12/13/2018 |
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
|
|
Web |
|
|
|
| 11/27/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 11/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
Servicemember |
|
|
| 11/01/2018 |
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
|
|
Web |
|
|
|
| 11/01/2018 |
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
|
|
Web |
Older American, Servicemember |
|
|
| 10/27/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 10/24/2018 |
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
|
|
Web |
|
|
|
| 10/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Postal mail |
|
|
|
| 10/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 10/12/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/05/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
|
| 10/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 10/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 09/14/2018 |
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
|
|
Web |
|
|
|
| 09/10/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 09/10/2018 |
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
|
|
Web |
|
|
|
| 08/26/2018 |
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
|
|
Web |
|
|
|
| 08/17/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 07/26/2018 |
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
|
|
Phone |
|
|
|
| 07/13/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Confusing or misleading advertising
|
|
Phone |
|
|
|
| 07/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/25/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
|
| 06/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 06/09/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 06/05/2018 |
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
|
|
Fax |
|
|
|
| 06/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/29/2018 |
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
|
|
Web |
|
|
|
| 05/17/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 05/07/2018 |
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
|
|
Web |
|
|
|
| 05/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 04/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 04/09/2018 |
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
|
|
Web |
|
|
|
| 04/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/11/2018 |
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
|
|
Web |
|
|
|
| 02/24/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
|
|
| 02/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 02/02/2018 |
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
|
|
Postal mail |
|
|
|
| 01/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 01/17/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/30/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 12/21/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/20/2017 |
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
|
|
Web |
|
|
|
| 12/20/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 12/13/2017 |
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
|
|
Web |
|
|
|
| 11/16/2017 |
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
|
|
Phone |
|
|
|
| 11/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/07/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
|
| 11/07/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 10/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 10/31/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/27/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Postal mail |
|
|
|
| 10/05/2017 |
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
|
|
Web |
|
|
|
| 09/27/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 09/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 09/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Referral |
|
|
|
| 08/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 07/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 07/27/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Postal mail |
|
|
|
| 07/26/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Phone |
|
|
|
| 07/21/2017 |
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
|
|
Web |
|
|
|
| 07/15/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/29/2017 |
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
|
|
Web |
Servicemember |
|
|
| 06/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 06/15/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/01/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 06/01/2017 |
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
|
|
Web |
|
|
|
| 05/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/26/2017 |
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
|
|
Web |
Servicemember |
|
|
| 05/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 05/15/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/31/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 03/31/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 03/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/17/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/09/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 03/08/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 02/12/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 02/07/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Postal mail |
|
|
|
| 02/02/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/23/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Referral |
|
|
|
| 01/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/12/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
|
| 12/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/20/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 12/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 12/17/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 12/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/15/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 11/02/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 11/01/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/31/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/24/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 10/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/18/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 10/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 10/06/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 10/04/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/01/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/26/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/21/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 09/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Older American |
|
|
| 09/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Postal mail |
|
|
|
| 09/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 09/06/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 08/16/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 08/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 08/02/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 06/30/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 06/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/23/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/03/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 05/10/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 04/26/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 04/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Postal mail |
|
|
|
| 04/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/14/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Older American |
|
|
| 04/03/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/16/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Referral |
Older American, Servicemember |
|
|
| 03/07/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 03/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 02/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/09/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 02/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/01/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/28/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 12/14/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 11/17/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 11/12/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Fax |
|
|
|
| 10/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 10/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 10/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 10/07/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/22/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/22/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 09/22/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
|
| 09/11/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/24/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/21/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/21/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 07/24/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 06/11/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 05/19/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 05/06/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 04/27/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 03/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Phone |
|
|
|
| 03/10/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/04/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Phone |
Older American |
|
|
| 02/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/30/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Fax |
|
|
|
| 01/27/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 01/17/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/17/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/08/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 12/08/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/15/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/10/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 10/03/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/29/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/09/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 09/04/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 08/21/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/12/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/07/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/03/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 07/31/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/06/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/19/2014 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 06/04/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Referral |
|
|
|
| 05/27/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 04/29/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/25/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 04/23/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 04/10/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/02/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/15/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Fax |
|
|
|
| 02/28/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Postal mail |
|
|
|
| 01/31/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 01/16/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 01/12/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 01/09/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 12/20/2013 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/19/2013 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/11/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/06/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/16/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
|
| 11/07/2013 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Postal mail |
|
|
|
| 09/24/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/10/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Postal mail |
|
|
|
| 08/18/2013 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Postal mail |
|
|
|
| 08/09/2013 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/14/2013 |
Yes |
|
- Improper use of my credit report
- Report improperly shared by CRC
|
|
Web |
|
|
|
| 07/12/2013 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/12/2013 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 07/01/2013 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/21/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/06/2013 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 06/02/2013 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/29/2013 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 03/14/2013 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
|
| 03/12/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/26/2013 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 02/11/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 01/30/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/02/2012 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 07/30/2012 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/09/2012 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 05/07/2012 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|