Consumer complaint received 2018-05-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit, Inc (OH)

OnXX/XX/XXXX, I had driven my car to the local gym midmorning for a quick workout prior to lunch. After grabbing a great workout, shower and fresh change of clothes, I walked down to the parking garage only to find my car had been repossessed. I was not given any warning that this was happening and spent the night on the street, XXXX, since my phone charger, laptop, keys, wallet and all my other belongings were in the car. I was over 1,000 miles away from home, my rental lease was over and I had nowhere to go with no method or payment of communication. Literally would not wish this experience on anyone ever! 

I finally found a means to charge my phone at a local coffee shop and then spent the next two days locating my car. It took so long as the customer service department for the financing company is so terrible, that all one can do is sit, wait on hold for hours at a time ( no joke here ). After I figured out where the car had been towed, i realized it was over 50 minutes away north of where I was and no one at the towing company was willing to cooperate with me in order to get my belongings that the first time. 

At this point in time, my only alternative was to sleep on my couch in my storage unit since I still did not have any method of payment with my wallet being in the car. The next day I was able to find some spare cash, just enough to get a ride north to the towing company. When I arrived, I had turned in my keys in exchange for my personal belongings. 

Now, in doing so, I was under the impression of several different matters, which is the point of this dispute letter. One, I was told by the credit company that I would be notified in the mail as to ( a ) how to make payment to obtain the car back, ( b ) I would be given a receipt of the collection, repossession, towing, etc. and the total billed to my name, ( c ) I would then be sent a letter of my deadline to complete payment. Well, I never received any letters in the mail, never received them at any forwarded addresses and was never granted the option to send them to another address, even though I asked multiple times. 

Next on the agenda is addressing more failed communication. I am writing this letter on XX/XX/XXXX, to date, I still have not received any letters from the creditor. I have not received a warning letter, I have not received a letter of receipt of repossession, I have not received a letter that was postmarked 5 days after the event, I have not received a letter postmarked 10 days after the event, I have not received any letters in reference to auto auctions, new vehicle ownership, or anything in reference to this car. 

Currently, the creditor, VW Credit, is reporting to all the credit bureaus a debt in the exact amount of {$11000.00} with notes of being charged off as bad debt. I have not received any notice of these charges and to my understanding, they have completely failed to properly communicate within the necessary timeline. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), any creditor is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for the reporting services could fax, mail or email in a fraudulent account. 

I demand to see the repossession removed from all three credit bureaus, XXXX, XXXX, and XXXX since the original creditor failed to present Verifiable Proof ( an original Consumer Contract with my Signature on it ) and failed to properly communicate 100 % during this entire process since XX/XX/XXXX and the date of writing this letter. 

They failed to positively verify these accounts which had dramatically hurt my ability to obtain credit, obtain an apartment, obtain a new car and negatively affected my life since this event occurred early this year. Under the FCRA, unverified accounts and creditors not in alliance with the FTC must be removed and if they are unable to provide me a copy of verifiable proof, must be removed immediately.