I originally made the purchase for the vehicle in XX/XX/year>, the start of my trouble believe i was taken advantage of due to predatory lending practices, I was going through XXXX had been in car accident driving a rental car for over a month, went into XXXX of XXXX to look at XXXX XXXX, kept asking sales guy XXXX XXXX for prices, he said just go for a drive see if you like we can talk numbers, I stated was willing to put down money due to my credit and wanting to make purchase without cosigner, I had been speaking with different people regarding similar vehicles and they payment amount so I figure less than XXXX would be okay, so when I go back and take my husband we were told the price would be XXXX or so with APR 3.9 and XXXX with APR of 7.9 so of course im like give me the 3.9 APR not thinking the purchase amount has nothing to do with APR, I tried to returned truck and was told it would be considered a voluntary repossession, which we did not want on our credit I contacted the…
CFPB COMPLAINT DATABASE
VW Credit
138 real consumer complaints filed against VW Credit at the Consumer Financial Protection Bureau in the last 12 months. 32 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Incorrect information on your report31
- 02Problems at the end of the loan or lease27
- 03Managing the loan or lease25
- 04Problem with a company's investigation into an existing problem12
- 05Improper use of your report9
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
i have done an end of lease inspection and they are charging me {$970.00} for tires because the front tires and the back tires are not the same brand. i have replaced them with the new tires that meets the original size, load ratings, and speed ratings. thread on the tires are still new. only issue is that they are not the same brand. i have reviewed my lease contract and there is no mention of tires need to be the same brand. below was the only requirement on the lease contract. quote repairs, including tires, must be made with original equipment manufacturers parts or those of equal quality and performance end of quote. so i have called them to remove the charges and they are insisting that the charge is valid. i have spoken with the supervisor and she insists that the fees are valid. so i have escalated to the manager and he/she have not responded or called me. below is the email that i have sent to them in regards to this. Further to my email below.…
I paid off my auto loan with XXXX XXXX XXXX in full on XX/XX/XXXX. As a participant in California 's Electronic Lien and Title ( ELT ) program, XXXX XXXX was required to submit an electronic lien release to the California XXXX. Under California Vehicle Code 5753 ( c ) ( 1 ), lenders must release the title within XXXX business days of receiving full payoff. XXXX XXXX attempted to submit the electronic lien release in XX/XX/XXXX, but the XXXX rejected it. XXXX XXXX has now admitted that they received this rejection and took no action to correct or resubmit it. They never notified me of the rejection. The lien remained active on my vehicle record for over 19 months. I began contacting XXXX XXXX in XX/XX/XXXX to resolve the issue. Over the course of multiple calls, representatives initially told me the ELT had been transferred at the time of payoff, but could not provide any confirmation number or documentation.…
I am filing a complaint against XXXX XXXX XXXX regarding improper fee accumulation, servicing failures, and refusal to respond to documented attempts at communication. During my lease of a XXXX XXXX XXXX, the vehicle required multiple warranty repairs due to recurring computer/system malfunctions. I retained documentation of repeated service visits and complaints. As my lease approached maturity, I made multiple attempts to contact XXXX XXXX XXXX to discuss payment timing and hardship-related concerns. My attempts were not meaningfully addressed, and no structured assistance was offered. As a result, the company assessed substantial late charges ( {$350.00} ), an NSF fee ( {$100.00} ), and a past maturity fee ( {$440.00} ), contributing to a total balance of {$2100.00}. I returned the vehicle on XX/XX/XXXX.…
I initiated a Transfer of Equity on my XXXX lease on XX/XX/year>, after XXXX XXXX XXXX represented the process would take approximately 46 weeks. XXXX XXXX XXXX required physical submission of documents and provided a prepaid USPS envelope for that purpose. I timely submitted all required documentation using the method XXXX specified. XXXX XXXX XXXX later advised that the documents were lost, attributing the issue to USPS, and required resubmission. The delay now materially exceeds the stated timeframe and is due solely to XXXX XXXX XXXX handling and their chosen delivery method. I have fully complied with all requirements. XXXX XXXX XXXX has refused to take responsibility for the failure of its selected carrier and has effectively restarted the process, causing unreasonable delay, financial exposure, and restriction of my ability to manage or transact on the account.…
Recent complaints
The 30 most recent complaints against VW Credit where the consumer chose to publish their narrative.
My name is XXXX XXXX, and I am writing to formally dispute the inaccurate derogatory information reported by XXXX XXXX on my credit report. The account number in question is XXXX. Despite my repeated efforts to resolve this through direct contact and formal disputes with the credit reporting agencies, XXXX XXXX has continued to report incorrect account information, significantly impacting my credit scores with XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). I have filed disputes through the automated systems provided by the credit bureaus on XX/XX/year>, XX/XX/year>, and XX/XX/year>, yet the incorrect information remains unresolved. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information, and credit reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information, usually within 30 days.…
I have a VW Credit auto lease account reporting as a charge-off on my credit report. Upon reviewing my credit report I discovered this account shows zero 30-day, 60-day, and 90-day late payments across its entire 49-month history, which is factually inconsistent with a charge-off status. A charge-off can not occur without a sequence of missed payments. I called VW Credit on XX/XX/XXXX and confirmed the account was charged off. However VW Credit also confirmed the account was paid in full through collection agency XXXX XXXX in XX/XX/XXXX with a {$0.00} balance. VW Credit acknowledged they can not change the charge-off notation despite the account being fully satisfied. I also discovered the account went to collections because VW Credit had an incorrect mailing address on file, meaning I never received any notices or communications about this account being in default.…
I am filing a complaint regarding a lien held by Volkswagen Credit on a motorcycle that I purchased in good faith from a licensed dealer in Washington State. Vehicle : VIN : XXXX Facts : The vehicle was originally financed through Volkswagen Credit. I later purchased the motorcycle from XXXX XXXX XXXX and paid the dealer in full. The dealer failed to satisfy the existing lien at the time of sale. I am not the original borrower and have no contractual relationship with Volkswagen Credit. I am currently in possession of the vehicle and am working through the Washington Department of Licensing and court process to establish ownership. Issue : Volkswagen Credit maintains a lien on a vehicle that was sold to me without the lien being satisfied by the dealer. This has prevented me from obtaining a clear title despite full payment to the selling dealer. I am seeking : XXXX. Confirmation of the lien status and current payoff amount XXXX.…
VIOLATION 1 Failure to Release Title After Full Payoff ( XXXX Years ) In XXXX 2021, I paid the full remaining balance on my XXXX XXXX XXXX XXXX XXXX buyout account with VW Credit XXXX The balance was confirmed at {$0.00} as of XXXX XXXX, 2021, as reflected on my credit bureau report. Despite more than four years passing since full payment, VW Credit has never delivered the vehicle title or released the XXXX for this vehicle ( VIN : XXXX ). I have been unable to sell, transfer, or exercise full ownership rights over a vehicle I fully own. This is a willful and ongoing violation of my consumer rights and Texas Transportation Code 501.114. VIOLATION 2 Charge-Off Reporting on XXXX XXXX XXXX Account I also have an outstanding charged-off account with VW Credit for a XXXX XXXX XXXX XXXX ( XXXX : XXXX ), opened XX/XX/XXXX. The current balance reported is {$10000.00}. An active XXXX remains on the XXXX title as confirmed by VIN report.…
I am filing this complaint regarding the reporting and handling of an auto loan account by Volkswagen Credit following a repossession. This account relates to a vehicle that was repossessed. I have disputed the accuracy of the information being reported to the credit reporting agencies and requested documentation supporting the balance and the reporting of the account. Despite my disputes, the account continues to report negatively on my credit report. I have not been provided sufficient documentation explaining how the reported balance was calculated or documentation showing that all required notices related to the repossession and sale of the vehicle were properly issued. Under the Fair Credit Reporting Act, companies that furnish information to credit reporting agencies must ensure that the information they report is accurate and must conduct a reasonable investigation when a consumer disputes information.…
I went to the XXXX dealership on XX/XX/XXXX and traded my XXXX XXXX XXXX in for a XXXX XXXX XXXX brand new. I left the dealership around XXXX immediately after me pulling off the vehicle check engine light came on along with other warning signs ( seat belt, camera malfunction, XXXX pre sense warning ) light was also flickering and dimming as I was driving. I reached back out to the dealership and let them know about the problems and XXXX be there when I get off of work. When I arrived back at the dealership I told them that I would like to have my XXXX XXXX back because I didnt want to deal with no issues with a brand new car vehicle. They said its nothing they can do bout the situation. These problems occurred within a hour of me having the car
CFPB Complaint Narrative Volkswagen XXXX XXXX Account : XXXX Vehicle : XXXX XXXX XXXX XXXX : XXXX XXXX I am submitting this complaint regarding a disputed lease-end charge issued by Volkswagen XXXX XXXX after the return of my leased XXXX XXXX XXXX. At the end of the lease, I received a turn-in settlement invoice that included a charge of {$1000.00} related to alleged excessive tire wear. I reviewed the inspection report and immediately addressed the issue before the vehicle return process was finalized. At that time, I was informed that the XXXX XXXX and XXXX XXXX tires required replacement. In order to ensure full compliance with safety requirements, mechanical integrity, and lease obligations, I replaced all XXXX tires and retained documentation confirming the replacement. The replacement tires met the required specifications and were installed in matched pairs with equivalent wear, appropriate speed ratings, and performance characteristics suitable for the vehicle.…
I am submitting this complaint regarding Volkswagen Credit , Inc. concerning my motor vehicle finance account. I have requested documentation and clarification regarding the ownership, transfer, servicing, and accounting of this account, but I have not received a complete and substantive response. Specifically, I requested records sufficient to show the chain of title and chain of custody of the account, including whether the account was sold, assigned, transferred, placed into a trust, pooled, securitized, monetized, or otherwise administered by any XXXX party. I also requested documentation sufficient to identify any agreements governing the servicing, transfer, administration, or information flow relating to the account.…
I leased a XXXX XXXX XXXX XXXX XXXX ( VIN : XXXX ) from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. I took possession of the vehicle in XX/XX/XXXX while I was residing in Alabama. The lease is through VW Credit Inc. The lessee is La XXXX XXXX XXXX, and I am the co-lessee ( XXXX XXXX ). I am filing this complaint for deceptive trade practices, contract misrepresentation, and failure to comply with vehicle registration requirements. CONTRACT DISCREPANCIES : XXXX. XXXX XXXX : Although I took possession of the vehicle in XX/XX/XXXX, the dealership did not execute the lease contract until XX/XX/XXXX. The lease terms were not adjusted to reflect the approximately XXXX months I had already been in possession of and driving the vehicle. XXXX. Incorrect Mileage on XXXX : The lease contract lists the odometer at XXXX miles. However, I had been driving the vehicle since XX/XX/XXXX, and by XX/XX/XXXX, the actual mileage was significantly higher than XXXX miles.…
I am submitting this complaint regarding Audi Financial Services and an unresolved dispute involving an early lease termination that has resulted in an inaccurate balance being assessed and negative credit reporting. I entered into a three-year vehicle lease with Audi Financial Services and maintained the account in good standing, making all payments on time for approximately two years. Prior to ending the lease early, I contacted Audi Financial Services directly to understand my financial obligations. During that conversation, I was informed by their representative that the vehicle would be sold upon return and that I would be responsible only for any difference between the vehicles value and the remaining payoff amount. Relying on these representations, I agreed to proceed with the early termination. I returned the vehicle as instructed. After the vehicle was sold, Audi Financial Services notified me that a deficiency balance of approximately {$1600.00} remained.…
I disputed a charge from VW Credit that posted to my credit report as XXXX on XX/XX/XXXX. This was a lease I had back in XXXX when I used to work for this company XXXX XXXX and when I turned in the vehicle lease I made my last payment of what was owed on XX/XX/XXXX. Years later they are now reporting a balance of {$830.00} on my credit report and I am not sure why when I turned the vehicle lease in I paid everything that was owed and was given a receipt with a XXXX balance. I dont know where this is coming from when the Lender never attempted to contact me. So I am now filing a complaint against this Lender to have this expunged from my credit as derogatory please as this has caused my credit to decrease by more than XXXX point.
I am writing to report inaccurate credit reporting by VW Credit , Inc. on my auto loan account # XXXX. I have maintained this account in good standing since it was opened in XX/XX/XXXX, with over two years of perfect on-time payment history. In late XXXX, a trusted individual was making payments on my behalf. This person attempted to make the payment three separate times, and each attempt was declined or returned through no fault of my own. I was not notified by VW Credit that these payments had failed until the account was already reported as 30 days past due. As soon as I became aware of the situation, I immediately brought the account current. The late payment was not due to negligence or unwillingness to pay it was the result of a payment processing issue that VW Credit failed to notify me about in a timely manner.…
This complaint relates to prior submission CFPB Complaint ID XXXX, which was recorded but not forwarded to the company. I am resubmitting to ensure the matter is routed appropriately. I am submitting a complaint regarding account servicing and credit reporting related to my auto loan. While temporarily outside the United States, I was unable to access my account because authentication codes were not delivered and the website intermittently rendered as a blank page. The company provides only U.S. toll-free phone numbers and no international servicing or payment numbers, making it physically impossible for me to contact them or make payment from abroad. I also received no email, phone, or account notifications advising me of a missed payment. After returning to the United States, I contacted the company by phone and immediately paid the past-due balance in full. During that call, a representative acknowledged that the system is not accessible outside the United States.…
In XX/XX/XXXX, I formally disputed inaccurate information appearing on my credit report with both the credit reporting agencies and the company involved. The company is reporting two 30-day late payments for XX/XX/XXXX and XX/XX/XXXX on an auto loan account. These late payments were disputed in writing, and I requested verification, including billing statements and a full payment history. The late payments remain on my credit report, and no documentary proof has been provided to support their accuracy. In addition, multiple hard inquiries dated between XX/XX/XXXX and XX/XX/XXXX remain on my credit report. I did not authorize these inquiries and requested proof of permissible purpose. The inquiries remain without documentation showing written authorization. I also disputed inaccurate address information that is not associated with my current residence. Although I submitted documentation to verify my current address, the disputed addresses have not been fully removed.…
Volkswagen Credit acknowledged in writing that it received the full payoff for my vehicle and accepted all corrected documents required for title release. Despite this acknowledgment, Volkswagen Credit failed to release the lien or issue the title within a reasonable time as required by XXXX XXXX. On XX/XX/XXXX, I served Volkswagen Credit with a formal Cease & Desist and Demand for Lien Release via fax and legal notice, providing a XXXXXXXX cure period. That deadline expired on XX/XX/XXXX with no written response and no title release. Multiple supervisors ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ) confirmed payoff and document acceptance during recorded calls. Volkswagen Credits continued failure to release the lien impairs title, exposes me to wrongful repossession risk despite a XXXX balance, and constitutes non-compliance after formal legal notice.…
On XX/XX/XXXX, I filed formal TILA billing error dispute with XXXX alleging {$18000.00} inflated Amount Financed due to documented dealer overcharges. Under TILA/Regulation Z ( 12 CFR 1026.13 ), AFS was required to investigate billing errors and respond with investigation results within XXXX days. As of XX/XX/XXXX, I have received no written investigation results ( XXXX days since dispute filed ; XXXX days past XXXX-day deadline ). Instead, XXXX engaged in clear TILA violations : ( XXXX ) Locked portal access early XXXX following my evidence upload ; ( XXXX ) Sent 'log in " email XX/XX/XXXX while portal remained inaccessible ( false appearance of access ) ; ( XXXX ) Charged off account and referred for repossession XX/XX/XXXX during billing error investigation period ( violating TILA prohibition on collection activity on disputed amounts ) -- while the financed vehicle remained in third-party repair custody with documented incomplete ADAS calibrations and safety system deficiencies…
I am filing this complaint regarding improper billing and threatened adverse credit reporting by XXXX XXXX XXXX that resulted from a dealerships failure to complete a required trade-in payoff. Timeline and actions taken : XX/XX/XXXX : I entered into a new XXXX lease and traded in my prior XXXX XXXX vehicle through an XXXXauthorized dealership ( XXXX XXXX ) . At the time of trade-in, the dealership accepted possession of the vehicle and assumed responsibility for satisfying the remaining lease payoff. I have not had possession, use, or control of the prior vehicle since XX/XX/XXXX. XXXX XXXX : Despite surrender of the vehicle, XXXX XXXX XXXX continued to generate monthly lease invoices in the approximate amount of one standard lease payment per month. XX/XX/XXXX : After I contacted the dealership multiple times regarding the continued billing, the dealership confirmed in writing that it had contacted XXXX XXXX XXXX and that the issue should be cleared up.…
On XX/XX/XXXX, I traded in [ early ] my leased XXXX XXXX XXXX at the XXXX XXXX, California Audi Dealership and leased a new vehicle. Subsequently, I became aware that the dealership had incorrectly processed the vehicle payoff with Audi Financial, resulting in an outstanding balance of {$1300.00} on my account. I placed a multitude of phone calls, sent emails, and visited the dealership in an effort to resolve this matter and safeguard my credit standing. On XX/XX/XXXX, the Dealership gave me a written commitment to settle the outstanding amount for the vehicle. Throughout my dealings, I kept Audi Financial updated and was never informed that this would be marked as a Charge Off on my record. I have now learned they reported this as a Charge Off againt my credit resulting in my being denied credit on more than one resent application.…
My balance with VW Credit was paid in full in XX/XX/XXXX. However, while recently applying for a mortgage, I discovered that more than {$4000.00} is still being incorrectly reported on my credit report. On XX/XX/XXXX, I contacted VW Credit and was provided with a XXXX balance letter, confirming the account was paid in full. Despite this, the inaccurate balance remains on my credit report. Approximately one month later, I followed up with VW Credit and was informed that although the XXXX balance letter was issued, the necessary steps were never completed to update my credit reporting. I spoke with XXXX at VW Credit ( extension XXXX ), who stated that it appears the process was attempted years ago but never finalized. XXXX advised that they can now restart the correction process ; however, he indicated it may take 3060 days for the account to be removed from my credit report.…
I am submitting this complaint regarding a billing error by Volkswagen Credit related to my XXXX vehicle loan. I requested Volkswagen Credit to defer my XX/XX/XXXX and XX/XX/XXXX auto loan lease payments. Despite this, I am still being billed for XX/XX/XXXX, and XX/XX/XXXX. I have contacted Volkswagen Credit multiple times via phone and their online messaging center, but they refuse to adjust my billing statement to reflect the proper due date of XX/XX/XXXX. This is causing incorrect billing and potential negative impact on my account, despite my prior approved deferral. I am requesting that the CFPB investigate this matter, require Volkswagen Credit to correct my billing, and ensure that the deferred payments are properly reflected on my account. I'm also being charge a late fee for XX/XX/XXXX payment even though it's not supposed to be due.
currently have several unauthorized and fraudulent accounts being reported on my credit profile. I have been notified of the recent data breach and I have reason to believe I have been affected by the data breach. Im requesting that the unauthorized inquiries and account be removed Immediately from my credit profile. Plese remove the following hard inquiries. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
I am filing this complaint regarding XXXX XXXX XXXX and Volkswagen XXXX XXXX XXXX refusal to provide reasonable written communication channels for account servicing and dispute documentation, and their failure to provide any documented escalation pathway. I made multiple good-faith attempts to communicate with XXXX XXXX XXXX and XXXX Customer XXXX XXXX XXXX Volkswagen XXXX XXXX XXXX XXXX in writing in order to document account-related matters, hardship proposals, and compliance questions. Despite these efforts, I was repeatedly denied access to written communication and forced into phone-only contact. Secure Messaging Refusal ( XXXX XXXX XXXX ) I attempted to use XXXX XXXX XXXX online secure Message Center to communicate regarding my account. XXXX XXXX XXXX responded that they would not assist via the Message Center and instructed me to contact their Recovery Department by phone only.…
I am disputing XXXX XXXX late payment notations being reported by VW Credit , Inc. on my auto account ( Account No. XXXX ) for XX/XX/year> and XX/XX/year>. I timely disputed these late payments directly with VW Credit and requested verification. To date, VW Credit has not provided billing statements, a complete payment history, proof of due dates or grace periods, or any delinquency notices supporting the reported late payments. Under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), a furnisher may not continue reporting information that is inaccurate or can not be verified through a reasonable investigation. Continuing to report these late payments without producing supporting documentation fails to meet the accuracy and investigation requirements of the Fair Credit Reporting Act. I am requesting that VW Credit either provide full documentary verification supporting the alleged late payments or remove the XXXX and XX/XX/year> late payment notations from all consumer reporting agencies.
I am filing a formal complaint against XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX regarding a defective vehicle and deceptive business practices. Vehicle Information : Year/Make/Model : XXXX XXXX XXXX XXXX : XXXX Claim # : XXXX ( XXXXXXXX XXXX XXXXXXXX ) Previous Case # : XXXX Since purchasing this vehicle, I have experienced persistent and serious mechanical issues that compromise its safety and reliability. Despite multiple repair attempts and a prior claim, the same problems continue to resurfacequalifying this vehicle as a lemon under applicable consumer protection laws. The dealership failed to disclose critical information, including : A prior crash history Repeated repairs to the console, radio, and sound system Major component replacements ( alternator, battery, fuel pump ) Additionally, during a recall service at XXXXXXXX XXXX XXXXXXXX XXXX, unresolved coolant and water pump issues were discovered.…
Good Evening Dear Team, I hope you have a lovely Tuesday. Please kindly help me that Volkswagen XXXX XXXX repossessed my vehicle while I am unemployed. I was informed that I had a 15-day period to resolve the matter. I submitted a written hardship request by fax within that period, and XXXX confirmed receipt. Despite this, I was told there were no options unless I paid a reinstatement amount of {$3400.00}, which I am unable to pay due to unemployment. I am trying to resolve this matter responsibly and am requesting transparency, proper notice, and fair review of fees. The vehicle is currently located in XXXX, Texas, and the loan originated in New York. I really appreciate for the help and I usually need vehicle to go interview and find a job. Now, I'm very stressful and it's very difficult to commute in Taxes .. Hopefully, you will help me out this matter and i can find a job as soon as i can. With best regards, XXXX XXXX XXXX XXXX
This complaint is a follow-up to CFPB Complaint No. XXXX, which has been closed. After my prior complaint was filed, on XX/XX/year>, I issued payment of the {$490.00} disposition fee. I then disputed the charge with my credit card issuer on the grounds of misrepresentation and that I was charged when I was expected not to be. On XX/XX/year>, my card issuer resolved the dispute in my favor and permanently credited the full {$490.00}. This was a final chargeback decision. Despite this resolution, XXXX XXXX XXXX has continued to treat the balance as unpaid. XXXX has sent billing and collection correspondence and has directed me to its Recovery Department as though no payment, dispute, or chargeback resolution ever occurred. Critically, XXXX XXXX XXXX has refused to engage with me on the merits of the issue in writing.…
Company : Volkswagen Credit , Inc. Product : Auto loan Issue : Credit reporting / Incorrect information on credit report Volkswagen Credit , Inc. mailed my final auto loan payment to an incomplete address that did not include my apartment number. The payment was not properly delivered or applied, which caused my account to be reported as over 90 days delinquent to XXXX, XXXX, and XXXX. I have never missed a payment with them and never received information to make the final payment. I contacted Volkswagen Credit to dispute the delinquency. Volkswagen Credit denied responsibility, stating that I am responsible for address accuracy and claiming the payment was not returned. Volkswagen Credit has not provided proof of successful delivery, and mailing a payment to an incomplete address does not constitute valid delivery. The reported delinquency resulted solely from Volkswagen Credits servicing and payment handling error, not from a failure to pay.…
I have a car loan with XXXX XXXX and have had it for XXXX years with a XXXX year note. I have not been late over XXXX days on this loan but 4 days after the payment is due, they will repeatedly call me from XXXX until XXXX requesting payment. This goes on daily until the payment is made. I reached out to the company itself and they stated it was the financial side and not them. They said I should talk to them. XXXX XXXX XXXX What occurred after that was a letter from them threatening to demand payment in full for the loan. I have continued to make monthly payments under XXXX days but the calls are relentless. I am currently unemployed but still make my payments in less than XXXX days.
This response is submitted to formally dispute the adequacy and legal sufficiency of Volkswagen Financial Services response and to clarify the unresolved violations of the Fair Credit Reporting Act. 1. Failure to Comply W ith 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Unlawful Reinsertion The core issue remains unlawful reinsertion of previously deleted information, not the historical existence of a lease agreement. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency may not reinsert previously deleted information unless all statutory conditions are satisfied, including : The furnisher must certify the accuracy and completeness of the information to the consumer reporting agency prior to reinsertion ; and The consumer reporting agency must notify the consumer within five ( 5 ) business days of reinsertion, including the name, address, and telephone n umber of the furnisher and a statement of consumer rights.…
I am disputing an auto finance account reported by Volkswagen Credit XXXX XXXX that resulted from identity theft. I did not apply for, authorize, or consent to any credit application, retail installment sale contract, or auto financing. My personal identifying information was used without my permission by a family member in connection with a vehicle transaction facilitated by a Volkswagen dealership. Volkswagen Credit continues to maintain and report this account despite notice and documentary proof that the transaction is fraudulent. I have submitted an Identity Theft Affidavit and a comprehensive evidence packet. I am requesting immediate deletion of this account, cessation of all collection activity, and written confirmation that I have zero liability pursuant to the Fair Credit Reporting Act.
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