Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: VW Credit
State: TX

Complaint narrative:
This complaint details a multi-year, multi-state fraud scheme involving a XXXX XXXX XXXX ( VIN ending in XXXX ) sold by XXXX XXXX XXXX and financed by XXXX XXXX XXXX  The vehicle was sold to me on XX/XX/XXXX, under multiple layers of false and fraudulent pretenses, including systematic XXXX fraud, federal odometer fraud, and multi-state title fraud. 

The evidence proves the following fraudulent timeline : The Original Sin ( XX/XX/XXXX ) : I have obtained the official service record from XXXX XXXX ( see attached ) proving they performed the " XXXX XXXX '' on this date. This certification was fraudulent from its inception, as the vehicle was already equipped with non-compliant, mismatched tires manufactured in XXXX. This proves the fraud began long before I purchased the vehicle. 

The Odometer & Title Fraud ( XXXX ) : I have obtained the official XXXX Vehicle History Report which proves criminal-level fraud. 

Multi-Owner Fraud : The report falsely lists the vehicle as having only " 1 Owner ''. The title history proves this is a lie. The car was first titled in California ( Owner XXXX ), then sold and titled in Texas on XX/XX/XXXX, with XXXX XXXX ( Owner XXXX ). I purchased the vehicle in XX/XX/XXXX, making me the third owner. This is a material misrepresentation of the vehicle 's history and value. 

Federal Odometer Fraud : On XX/XX/XXXX, a Texas title was issued for the vehicle falsely stating the mileage as XXXX. My purchase documents from just days before ( XX/XX/XXXX ) prove the actual mileage was XXXX. This is irrefutable evidence that the dealership network knowingly submitted a false odometer statement to the Texas XXXX, a direct violation of the XXXXederal Odometer Act. 

The Final Insult ( XXXX ) : The selling dealer ( XXXX XXXX XXXX ) failed to transfer the title as required, forcing me to drive on an expired temporary tag for over a year. My own attempt to register the car in Florida in XX/XX/XXXX was a complete waste of time and money because the dealer never sent the paperwork. Then, on XX/XX/XXXXXXXX XXXX XXXX XXXX  submitted another false odometer statement to the Florida XXXX, using the year-old, completely inaccurate mileage of XXXX to fraudulently procure a new title without my knowledge or consent. 

Culpability of XXXX XXXX XXXX XXXX In response to my initial outreach, XXXX XXXX XXXX attempted to deflect all responsibility, stating that " any concerns regarding your experience with XXXX XXXX XXXX must be addressed with the dealer directly. '' This position is legally and morally untenable. XXXX is not an innocent third party ; they are the financial engine that knowingly underwrote and profited from this entire fraudulent transaction. They can not finance a fraudulent contract and then claim they have no responsibility for the fraud itself. 

This was not a mistake. This was a systematic, multi-layered scheme to defraud a consumer by misrepresenting a vehicle 's history, safety, and value. The loan I have with XXXX XXXX XXXX  was obtained through fraudulent inducement and is therefore invalid.

Company response to consumer: Closed with explanation