Consumer complaint received 2018-04-25
Company: VW Credit
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I leatned that VW Credit assessed my acvount which was paid erroneous fees listed as other ( {$9.00} on XX/XX/XXXX and {$250.00} on XX/XX/XXXX ) listing them as Other Fees. ( VW Credit defines Other Fees as pay by phone fees, collection fees, title/registration fees, personal property tax fees, reschedule fees, NSF fees, or parking fees of which I had none of the aforementioned fees that could be charged as the claim was paid in full. ) On XX/XX/XXXX, I over paid {$440.00} to VW Credit as VW Credit stated they would repossess my car because the Chapter XXXX Trustee had not sent a payment. I contacted VW Credit ( XXXX ) XXXX ext XXXX and requested a refund because the court clerk stated that the balance owed to VW Credit was being paid by Chapter XXXX Trustee. VW Credit ( XXXX ) stated VW Credit would not refund the money and it will be applied to the VW Claim being paid by the bankruptcy court tefucung amount that the court needed to pay. 

On XX/XX/XXXX, The Trustees Report of Receipts & Disbursements for the period of XXXX XX/XX/XXXX indicated that VW Credit claim amount was {$2600.00}, was paid {$38.00}, total paid {$38.00} and owed {$2500.00}. I contacted XXXX at VW Credit XXXX ext XXXX and inquired why the overpayment I made XX/XX/XXXX of {$440.00} had not been applied as a payment. He hung up. 

On XXXX, I contacted VW Credit ( XXXX ext XXXX ) and requested a refund of my overpayment of {$460.00} paid on XX/XX/XXXX as it was not applied to the VW Claim as stated. VW Credit responded they would not refund the money stating it was applied to the VW Claim filed with the Bankruptcy Court. 

On XX/XX/XXXX, The Trustees Report of Receipts & Disbursements for the period of XX/XX/XXXX through XX/XX/XXXX indicated that VW Credit claim initial claim amount was {$2600.00} and that the Chapter XXXX Trustee paud paid {$2100.00} during this time frame snd that a total paid XXXX was {$2100.00} leaving a balance owed of {$450.00}. 

On XX/XX/XXXX, I sent a letter, a copy of the extension agreement from VW Credit dated XX/XX/XXXX, proof of all payments by myself and the Chapter XXXX Trustee paid XX/XX/XXXX - XX/XX/XXXX. I requested my vehicle title as well as refund of overpayment. 
I paid {$440.00} on XX/XX/XXXX VW Credit stated they applied overpayment to the VW Claim being paid by Chapter XXXX Trustee. 
The balance of VW claim : {$450.00} less payment of {$440.00} on XX/XX/XXXX less Chapter XXXX Trustee monthly payment XX/XX/XXXX of {$43.00} equals ( - {$36.00} ) which indicates the car is paid in full and a refund of {$36.00} needs to be forwarded to Trustee or returned to me. 

On XX/XX/XXXX, l contacted VW Credit ( XXXX ) and requested update on status of refund and title release was informed told it was being processed. 

On XX/XX/XXXX, VW Credit reported that {$120.00}. 20 was owed as VW Credit charged my account {$9.00} on XX/XX/XXXX and {$250.00} on XX/XX/XXXX listing them as Other Fees. ( VW Credit defines Other Fees as pay by phone fees, collection fees, title/registration fees, personal property tax fees, reschedule fees, NSF fees, or parking fees of which I had none of the aforementioned fees ). 

On XX/XX/XXXX, The Trustees Report of Receipts & Disbursements for the period of XX/XX/XXXX through XX/XX/XXXX indicated that VW Credit claim amount was {$2600.00}, was paid {$450.00}, total paid {$2600.00} and that remaining due was XXXX ( claim paid in full )

Company response to consumer: Closed with monetary relief