VW Credit, Inc Consumer Loan Complaint

VW Credit, Inc Consumer loan department,

Vehicle lease Managing the loan or lease Massachusetts

I had a lease through Volkswagen Credit. I was unfortunately in - different car accidents this year ( -/-/- ), and the - 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 -, 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 - of -/-/-, before any payments were due that month. My car insurance and - have


for -/-/-. As I said earlier, this was the - 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 - months, and was unable to make the - -/-/- and - -/-/- payments, or it was the - and - 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. - I have had to pay extra money to make payments through - or - -. 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 - 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 - - - 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.