Consumer complaint received 2025-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
Source of Dispute Information VCFS Auto Leasing Company, XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Type of Disputed Information Reported charge off on monthly cadence since initial date of dispute XX/XX/XXXX Dates of Item Being Disputed Dates of item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Explanation of Item Being Disputed The charge offs reported by XXXX XXXX XXXX XXXX XXXX amount that we are disputing based on the contract entered into with XXXX XXXX XXXX XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX XXXX XXXX and XXXX XXXX entered into a lease agreement with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
At the time of this agreement we purchased an Excessive Wear and Use Addendum that was presented to amend and waive the conditions of Section XXXX Excessive Wear and Use provision in the lease agreement. 
Excessive Wear and Use Addendum which includes as follows : The Addendum amends the Lease, whereby the Lessor agrees to waive excess wear and use charges subject to all of the terms and conditions contained in the Addendum. 
Lessor is defined as XXXX XXXX XXXX XXXX agreement Section XXXX Excessive Wear and Use Provision states : You XXXX be charged for excessive wear based on our standards for normal use and for mileage in excess of XXXX miles per year at the rate of XXXX cents per mile. 
Vehicle for this lease was turned into XXXX of XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX sent an invoice due in XX/XX/XXXX for {$1400.00} citing excessive mileage charge of {$1000.00} + {$79.00} in taxes. 
XXXX XXXX disputed the amount due for the excessive mileage in a letter dated XX/XX/XXXX. 
Correspondence continued between XXXX XXXX XXXX XXXX via phone and letter through XX/XX/XXXX. 
Last letter correspondence received from XXXX XXXX XXXX XXXX was dated XX/XX/XXXX stating they would provide a response as soon as possible. 
XXXX XXXX XXXX XXXX subsequently spoke with XXXX XXXX later that month advising that money was still due. XXXX XXXX responded at that time again requesting that they provide the documentation, as outlined in the initial and subsequent letters to XXXX XXXX XXXX XXXX that states where the addendum does not cover excessive mileage. 
No response was subsequently provided by XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX applied for a credit card with XXXX and was denied due to reduced credit rating by over XXXX points to XXXX, solely based on the charge offs reported by XXXX XXXX XXXX for the amount that is still in dispute. 
XX/XX/XXXX XXXX XXXX reached out to XXXX XXXX XXXX XXXX XXXX regarding the charge offs. XXXX XXXX XXXX representative advised that they spoke with XXXX XXXX advising him that they still believed the debt was due. XXXX XXXX XXXX advised that written correspondence is not required despite XXXX XXXX requesting continued review and written correspondence.

Company response to consumer: Closed with explanation