Consumer complaint received 2018-11-26
Company: Volvo Car Financial Services U.S., LLC
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
In XX/XX/XXXX, I was approved for the lease on a new XX/XX/XXXX XXXX XXXX. I made a special order for the vehicle and waited nearly two months for the vehicle to be delivered. Before delivery, the lease was approved for a second time. I took delivery of the vehicle in the end of XX/XX/XXXX. I have now had the vehicle for several weeks and during this time I have been harassed and threatened by Volvo Financial. I received a phone call from Volvo Financial after having the vehicle for one week, they proceeded to interrogate me about my income, the vehicles I traded in, who this vehicle was for, etc. The questions were strange, as this vehicle is for myself. I have evidence to back up my income and they questioned it as if they do not believe me. I have provided them with bank statements, pay stubs, tax returns, and my contract of employment, yet they refuse to accept any of this, after the fact that the vehicle has been approved and Ive had it for several weeks and put a {$5000.00} deposit down on the vehicle. The dealership I purchased the vehicle from has been advocating on my part with Volvo yet it has not made a difference, Volvo told the people at the dealership to remind me that the vehicle is not mine. I entered into a contract with Volvo and am relying on this vehicle for transportation in order to get to my job. They are threatening my ability to keep my job, which is 60 miles from my house. I make nearly {$250000.00} per year and this vehicle is well within my means. The payment on this vehicle is less than the two vehicles it replaces. I have been unjustly questioned, harassed, and discriminated against. I have been put through a very unusual level of scrutiny. The implication, however tacit, is that I am somehow lying and I have falsified my income and my pay stubs, bank statements, etc. Volvos refusal to believe me can only be attributed to the fact that I am a high earning woman and they do not believe this. I would like to know how many men Volvo has put through a similar level of scrutiny. Their business practices and the way they have treated a paying customer is absolutely appalling. I have never undergone such harassment from any company when buying a product. I have owned XXXX, a XXXX, a XXXX, an XXXX, etc, and I have never been treated in such an unacceptable manner. 
It would seem as though that a woman who makes {$250000.00} per year is not good enough for Volvo. If only I were a lesser earning man, perhaps that would be more believable for Volvo. Volvo should be ashamed and embarrassed of their discriminatory business practices. I have more than enough income to make the monthly lease payment of this vehicle, but it is becoming increasingly clear that it is not a matter of having the money or not, they seem to be singling me out and do not want me to have this vehicle. 
I have had this vehicle for several weeks now and Volvo has not let up with their demands and threats. This has been an emotionally traumatic experience that no person should be subjected to. They are unjustly threatening to take a vehicle away from me that is my only means of transportation, thus putting my {$250000.00} per year job at risk. I will not tolerate this. Volvo approved this lease not once but twice and I will not suffer any consequences due to negative actions against me on the part of Volvo. Volvo has the power to ruin me financially by taking this vehicle away from me. I am trusting Volvo for the duration of this lease to have transportation and they are abusing that trust and putting me in a precarious position. Volvo is not a company that can be trusted. Their irresponsible and discriminatory behavior must be dealt with. This is further putting my safety at risk because I do not even know if I can put snow tires on the vehicle or not, which I ordered, so I am being forced to drive around in unsafe conditions due to the winter weather in XXXX XXXX already.

Company response to consumer: Closed with explanation