Consumer complaint received 2020-07-16
Company: VW Credit
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im writing this complaint about errors on my personal consumer reports. There is currently erroneous information reporting on my credit report. I will attach a screenshot of it. I tried resolving the situation with the company many times. It seems all I kept getting was automated answers when I wrote them. When I got an employee over the phone, they never followed through with what we discussed. This is an ongoing issue that is affecting me and which I have mentioned to them. Any engagement I have tried with them did not fix the errors. 

The XXXX  Credit Report shows inconsistencies in the reporting. What XXXX is reporting is not what XXXX  and XXXX  is reporting. XXXX  is reporting that I was 30 days late in XX/XX/2019, while it shows on XXXX  and XXXX that I was late 60 days in XX/XX/2019. I went and checked my bank statement and I have the autopay draft shown deducted in XX/XX/2019 at the regular base rate while on XX/XX/XXXX it showed the draft payment include a past due charge. How is it that autopay is being assessed a past due amount? What is their policy for autopay failing? I have never received any notification of adverse actions that would be included on my report from VW. I thought that was something they were supposed to make me aware of and afforded an opportunity to rectify. I nearly had perfect credit which reflect I am trustworthy, and it is inconsistent with my behavior patterns to be paying late. I mentioned how I have never been late in 25 years of leasing. I believe all the written answers I was getting from them was from a machine. Since I have not been able to get a response from a human in writing from the company, I figured I will complain and express my confusion here to get some answers. 

Im including excerpt of when payment was drafting from XX/XX/2019, XX/XX/2019, XX/XX/2019, and a bank statement showing the itemization of the XXXX payment. Altogether, those documents will reflect the regular base pay, which was consistent in XXXX and XXXX at {$820.00}. The transaction in XXXX show a total of {$880.00}. Another thing that raised concerns was the past due fees was the same as the sales tax at {$54.00}. I am wondering how they managed to attach past due fee to an autopay, let alone figure out in what accordance they are calculating those past due fees. All I have been requesting as a solution is a reversal of those late payment remarks to reflect my true credit worthiness. It is already a difficult time that we are in. And I have noticed they annotate it in my report that this account has been affected by natural disaster. However, that is not helping the issue as my only late payment on record are outside of that window when Covid 19 started. It is a mistake completely unrelated that is lingering and adding to the tough time we are all experiencing. I would like for VW to investigate my file further and realize that my request is reasonable with past payment history that goes beyond 25+ years. Not one late payment from no other creditors during that time. This is truly a misunderstanding my family need corrected.

Company response to consumer: Closed with explanation