Complaint sub-issue: Account status incorrect

Volkswagen Credit reported late payment fees as a late payment in itself. This is not the first time Volkswagen Credit has engaged in such behavior and said behavior is unnecessarily sabotaging my credit score and earlier in the year reported late payment fees as XXXX and plus days late. Communication is poor with Volkswagen Credit. In mid to late XXXX just before, during, and after I contracted XXXX that left me XXXX for about a month - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and co-borrower on the loan was a victim to fraud and the checks she wrote to Volkswagen were returned. However, Volkswagen was informed that she was a victim of fraud but not only did Volkswagen Credit seem to ignore this information- they insisted that it was me or someone pretending to be me who made a payment after they attempted to pull money from my personal bank account without my permission of which caused another check to return once my former mother-in law 's check did not go through. I did not authorize a payment for that specific month ( they had been given my bank information from a previous authorization for a one-time transaction ) and my ex-mother-in-law insists that she did not make such an authorization. Volkswagen Credit had a duty of care to at least investigate this matter but instead, I was financially punished both with having to pay back fees associated with check return fees and late fees and with negative changes made on my credit report. This led to more financial harm because I was not able to work when I became XXXX XXXX XXXX - I fell back on payments and was charged late fees again. The company also refused to update my credit report even after being informed of these circumstances and did not work with me or provide at minimum any relief to my credit score for circumstances beyond my control. Then they reported late fees as a 30-day late payment on credit report earlier in the year and have done so again for the month of XX/XX/XXXX. The stress of dealing with these situations was a contributing factor of extreme emotional duress that led to an emotional and mental breakdown about XX/XX/XXXX leading to a loss of XXXX XXXX XXXX XXXXXXXX XXXX XXXX after being unable to financially afford an attorney -partly due to negative remarks on my credit report by Volkswagen and having to pay back late and return check fees and of which caused me to drop out of school and change degree course after being accepted into a Veteran Affairs ' educational program that would have paid for a XXXX XXXX XXXX to a program with an XXXX XXXX XXXX in an attempt to reduce the work load and obtain employment- but it was too late and I still had an XXXX XXXX XXXX XXXX I have still not fully recovered from this XXXX because I can not obtain housing outside of the former martial home of which leaves me at the mercy of a contentious former spouse and living next door to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was just beginning to get my life back together and on track to improving my credit score so I could buy a home within the next six months when Volkswagen Credit decided to report late fee charges as a 30-day late payment even though I am not currently 30 days late on loan payments.