Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom it may concern : My name is XXXX XXXX XXXX. My date of birth is XX/XX/XXXX. I write to submit a complaint about Audi Financial Services aka XXXX XXXX XXXX XXXX Audi Financial Services XXXX XXXX XXXX assessed fraudulent charges to my account, which were only discovered through suspicious activity on my credit report. XXXX failed to notify me of the charges. After investigation, I discovered the charges to be fraudulent and not associated with the vehicle that I turned in. XXXX has failed to provide me with my file showing how they assessed the charges. I have filed a dispute with XXXX via email and XXXX mail. Within 5 days of notifying XXXX of the issue and with a written dispute on file they last informed me that the account was referred to a collection agency. 
The information provided by Audi Financial Services to XXXX is erroneous. I am the victim of fraud and am currently disputing the charges with XXXX XXXX. Please investigate these fraudulent charges. I need the fraudulent charges removed from my account and the information reported to respective credit bureaus so as not to damage my credit history further. 

Summary On XX/XX/XXXX, I checked my credit via XXXX XXXX XXXX XXXX by XXXX, as I do monthly. At that time, I saw that my XXXX XXXX had inexplicably dropped by XXXX points. Upon investigation, I discovered fraudulent charges assessed by XXXX XXXX XXXX On XX/XX/XXXX, I reached out to XXXX XXXX ( also known to me as XXXX XXXX XXXX XXXX I requested an itemized bill which I received the next day via email. See attached Account XXXX from XXXX XXXX ( hereinafter referred to as Account XXXX ). That bill shows a charge of {$5500.00} and lists the charges under Excess Wear & Use XXXX. All of those charges are fraudulent. The Account XXXX also shows that the vehicle was turned in on XX/XX/XXXX, with a mileage of XXXX. The turn-in date and mileage are reflected accurately to the best of my knowledge and recollection. 

As proof that the charges were fraudulent, I provided XXXX XXXX XXXX with a XXXX XXXX XXXX report bearing the same Vehicle ID number as the vehicle I leased. I ran this report on XX/XX/XXXX using the website kbb.com. The report clearly shows a mileage of XXXX miles on XX/XX/XXXX. The mileage then jumps to XXXX miles on XX/XX/XXXX and shows an event of auto auction. This is an increase of XXXX miles in a three-day span, a physical impossibility. The most recent bill provided upon our request from Audi Financial Services shows that the car was turned in on XX/XX/XXXX with a milage of XXXX. It is also not possible that the car went to auction on XX/XX/XXXX with a higher milage and was also turned in by me to XXXX on XX/XX/XXXX with a lower milage. 

Also telling, are the locations of the events listed in the report. The car remained in XXXX  or XXXX  for the entirety of the lease period. All of the vehicle updates on the XXXX XXXX XXXX Report were listed as XXXX XXXX except for the XXXX event dates starting on XX/XX/XXXX which are listed on the report as EASTERN REGION. 

These are fraudulent charges and should not be associated with my account with XXXX XXXX or myself. 

In addition, I never received notice of the bill as it was sent to an address I have never been associated with. On XX/XX/XXXX, I checked my credit via XXXX XXXX XXXX XXXX by XXXX, as I do monthly. At that time, I saw that my XXXX XXXX had inexplicably dropped by XXXX points. The change was due to an account with XXXX XXXX XXXX To my knowledge, this account was closed out with a {$0.00} balance in XXXX of XXXX. The same account showed a balance due of {$5500.00} as of XXXX, XXXX. Id. This account is known to me as a lease agreement that I had with XXXX XXXX for the lease of a vehicle. The lease contains an address of XXXX XXXX XXXX XXXX # XXXX, and was later corrected to my actual address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Address ). 
I received billing from XXXX XXXX at the XXXX XXXX. Address and also opted into electronic billing and received online billing statements via my email address at XXXX. 

On XX/XX/XXXX I received notifications from XXXX XXXX alerting me to a new address on my XXXX Credit Report. The address listed as new was XXXX XXXX XXXX XXXX XXXX XXXX. Address ). I have never been associated with or heard of that address. In XXXX XXXX XXXX I moved from the XXXX XXXX. Address to XXXX XXXX XXXX # XXXX ( Kalsman Address ). I have confirmation from the XXXX. Postal Service that my address was changed as of XX/XX/XXXX from the XXXX XXXX address to the XXXX address and utility bills confirming my residence. Deeply concerned, I called XXXX XXXX XXXX on XX/XX/XXXX and asked why I had never received a bill for the inexplicable charges. A representative asserted that XXXX ) billing was attempted to an address they had on file The XXXX XXXX XXXX because they had received a notification of new address from XXXX and XXXX ) that no bills or statements could be issued by email. 
XXXX XXXX has not provided me with sufficient proof of the charges and has failed to address my claim that the charges are fraudulent. 

XXXX XXXX has made conflicting claims to me regarding how they tried to notify me and has refused to provide a copy of the basis of the fraudulent charges. In addition, the last time I called on XX/XX/XXXX, they asserted that they had referred the bill to a collection agency, despite the fact that I have an ongoing dispute with them. 

Only after alerting XXXX to my updated address and the fraudulent charges did they assess a new itemized bill to me. The bill has a due date of XX/XX/XXXX. Despite the fraudulent charges and their assertion that the bill was due XX/XX/XXXX, XXXX asserted to me on XX/XX/XXXX that they had referred the matter to collections. 

XXXX XXXX, rather than investigating whether these charges were fraudulent, has obfuscated the facts, failed to provide me with any proof of why the charges were assessed, ignored my dispute, and within 5 days of notification of a dispute, referred the matter to collections. 

XXXX XXXX XXXX XXXX