Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (MA)

I had a lease through Volkswagen Credit. I was unfortunately in XXXX different car accidents this year ( XX/XX/XXXX ), and the XXXX accident totaled my car. It was declared a total loss. My biggest concern is that I am being charged for things that I am not responsible for ; like excise taxes and payments that were covered by GAP insurance. The town I live in has told me that VW credit handles tax abatements in cases like mine or similar and VW has informed me that I should pay them ( VW ) for taxes and then get an abatement from my town hall in XXXX, MA. I have learned that it is not my responsibility to pay the excise taxes because the car was totaled, I am only responsible for the insurance deductible amount stated in my policy. 
Not only have I been billed in excess of these, I have been charged late fees as well. My credit is being reported to incorrectly as though I am late and not paying my lease payments on time. 
The car was totaled in XXXX of XX/XX/XXXX, before any payments were due that month. My car insurance and XXXX have already worked out a settlement and my GAP coverage has paid what should have satisfied the lease agreement entirely, leaving me with only a {$500.00} deductible remaining. Instead I am being billed over {$1000.00} ( {$1000.00} ) for supposed past due amounts and late fees as well as excise taxes for XX/XX/XXXX. 
As I said earlier, this was the XXXX accident this year, and I also had a payment agreement which deferred the payments from when my car was being repaired to the end of my lease. I did not have my car for over XXXX months, and was unable to make the XXXX XX/XX/XXXX and XXXX XX/XX/XXXX payments, or it was the XXXX and XXXX payments which were the deferred ones. Never the less, the GAP coverage was responsible for paying these, as it was through my auto insurance and I was current on all payments at the time the car was totaled. 
XXXX I have had to pay extra money to make payments through XXXX or XXXX XXXX. And I was still reported as late on my credit reports. I made the payments needed to satisfy the deferment for my account. Also since it was declared a loss before the payment due date the month of the XXXX accident I should not owe a payment for that month. And once again, the town I live in has said it is VW who applies for the tax abatement and not me. 
Please help as there are so many issues here and I can not seem to get anywhere with them. 
Once again these issues are:1. Excise taxes which I am being told to pay and then apply for an abatement for. 
2. GAP coverage that was already settled, yet I am being billed more than my share of it, which should be only my deductible amount, or {$500.00}. 
3. Late payments being reported when I have copies of my deferment agreement and have made payments to satisfy that agreement. 
4. Late fees that I am being charged, when it was solely between VW Credit and XXXX XXXX XXXX what the negotiated and final payment amount would be. VW has received this payment and are still billing me for more than I am liable for or responsible for. 
5. It is my credit being ruined, and not for late or missing payments, only false late fees on payments already made, deferred or never due.