Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (OH)

Dear CEOs/ person of highest authorities, Ive noticed a billing error, i have noticed that youve ( the creditor ) been sending me a statement for all these years and according to XXXX dictionary here is what a Statement is : 1 ) something stated : such as a single declaration or remark : ASSERTION. a report of facts or opinions. 2 ) the act or process of stating or presenting orally or on paper. 4 ) the presentation of a theme in a musical composition. 5 ) a summary of activity in a financial account over a particular period of time. 6 ) an opinion, comment, or message conveyed indirectly usually by nonverbal means. 
Also here is what a Bond, instrument, and a coupon is; according to XXXXXXXX XXXX XXXX : a certificate of evidence of a debt. a contract, a debt on which interest is paid, a deed whereby the obligor obliges himself, his heirs, his executors & administrators to pay a certain sum of money to another at a day appointed. a mere promise to pay a specialty or sealed instrument and not merely a written instrument a written obligation. 
Instrument : not necessarily under seal or with a clause with a sum fixed and a penalty binding the parties to pay the same condition. however, the payment of the penalty may be avoided by poor performance of someone or of the parties of certain acts and contractual funding device applications to pay interest embodied in bonds as included in the word bonds. 
Coupons : interest and dividend certificates also those part of a commercial instrument which are to be cut and is evidence of something connected with a contract listed in the instrument : see statement see instrument see bond. They are generally attached to certificates of loan where the interest is payable at a particular period. And when the interest is paid they are cut off and delivered to the payor. In XXXX they are known as dividend warrants and securities to which they belong. Coupons are written contracts for the payment of a definite sum of money on given dates and are drawn and executed in a form in mode for the purpose that they may be separated from the bonds and other instruments in which they are usually attached to and is held that they are negotiable and that a suit may be maintained on them without the necessity of producing the bond. each matured coupon about a negotiable bond is a separable promise distinct from the promise to pay the bond or the coupons and gives rise to a separate cause of action. 
Ive noticed that youve been doing this, so I'm sending in the check along with the coupon; oh and by the way, this is double dipping. You're getting paid for this against my trust, and then you're accepting a check. I realize now that this is fraud ; trust fraud. 
But I am willing to overlook this for this one time to clear this debt. I am making a final lawful attempt to settle the debt. 
I have noticed that I have been tricked by you guys for all these years, but the Gig is up now. I am sending you this coupon and as you may notice, the back of it has been endorsed with the beneficiarys ( me ) signature. You can now redeem this coupon and settle this debt. I now have a contract with you, the CEO of Volkswagen Credit, Volkswagen XXXX XXXX XXXX. You agreed that you are accepting this, youve contractually agreed ; according to the postal rule of common law contract, that you have accepted this. You are now a trustee acting in the best interest of the beneficiary ( me ). This debt is now settled and you can now cease and desist of the account immediately and send me a check for everything that i am owed, seeing that you ( the creditor ) have been double dipping for all this time. Id say you owe me ( the Beneficiary of the trust ) a great amount of money. The creditor has furnished I, XXXX XXXX ( the consumer/obligor ) with deceptive forms several times ( See attachment A ) creating a false belief that I owe this debt. If my request are not resolved AND completed IMMEDIATELY upon notice of this billing error i will take this to higher authorities and request & receive monetary damages of {$1000.00} for EVERY violation. 

Kind Regards, XXXX XXXX XXXX, XXXX UCC 1-308.4 Without Prejudice/Recourse