Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: VW Credit
State: NY

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Complaint Intake Department Subject : Volkswagen Credit refuses to remove negative credit entry despite paid balance and goodwill request To Whom It May Concern, I am submitting this complaint regarding Volkswagen Credit , Inc. ( VW Credit ) and their refusal to consider a goodwill adjustment for a negative credit entry related to my account.

I had an account with Volkswagen Credit ( VW Credit ), which was reported with a late payment/negative status to the credit bureaus. While the report is technically accurate, I have since paid the balance in full and have made multiple goodwill requests directly to Volkswagen Credit, asking them to remove the negative entry as a gesture of goodwill. 
Despite my perfect payment history throughout my XXXX lease term, Volkswagen Credit denied my requests. Their response stated : 'Our records indicate that your balance was charged off. Volkswagen XXXX XXXX finds that the information was accurately reported. ' This statement is incorrect. I made a full payment of {$190.00} on XX/XX/XXXX, immediately upon discovering the outstanding balance, and I have included proof of this payment. 
This single missed payment was not the result of negligence or unwillingness to pay but rather a clear breakdown in communication. During my lease, all communication and billing were conducted through my online account and email. However, after returning my vehicle in XX/XX/XXXX, Volkswagen closed my online account, preventing me from viewing any final charges. The disposition fee was mailed to an address I had not lived at for over XXXX years, and no email or phone notifications were sent. Please see attached copy of my Driver 's XXXX as a proof of address change. I only became aware of the balance in XX/XX/XXXX after repeated missed calls from a collection agency. 
As a single parent, I solely rely on my finances and XXXX XXXX to provide for my family. This negative mark has caused significant damage to my XXXX XXXX, which had been perfect for years. It will financially impact me for nearly a decade, affecting my ability to obtain favorable terms for future loans such as for a car or home. 
I am asking the CFPB to investigate this matter and help encourage Volkswagen Credit to : Consider a goodwill adjustment for the negative entry. 
Review their communication practices, which resulted in a lack of proper notification. 
Reevaluate their handling of cases where consumers have demonstrated perfect payment histories and prompt repayment. 

Company name : Volkswagen Credit , Inc.

Desired resolution : I respectfully request that Volkswagen Credit remove the negative entry from my credit reports withXX/XX/XXXXs a goodwill gesture. 

Thank you for your time and assistance in reviewing this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief