Complaint #1727020 submitted on 01/04/2016 relating to VW Credit, Inc. Complaint relates to Consumer Loan Vehicle loan - Problems when you are unable to pay .
Complaint was submitted via Web and sent to the company on Monday 4th January 2016.
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.
| Company | VW Credit, Inc |
| Complaint ID | 1727020 |
| Date Received | 01/04/2016 |
| Product | Consumer Loan Vehicle loan |
| Issue | Problems when you are unable to pay |
| State/ZIP Code | KY 404XX |
| Consumer Consent | Consent provided |
| Company Public Response | |
| Company Response To Customer | Closed |
| Submitted | Web 01/04/2016 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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