Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VW Credit
State: TX

Complaint narrative:
Reported phones made regarding late payments on financed auto loan since XX/XX/XXXX. Initially told, " I may have entered the incorrect account information '' when using the finance company website. I checked and re-checked, and there were no errors found. Another payment was made in XXXX, and it was rejected with a letter stating that my " financial institute was unable to process a payment of {$940.00} '' on XX/XX/XXXX. In addition to " please note that we may report information about your account to credit bureaus ''. This happened again in the month of XXXX, where I received that same written notice with the amount of {$1400.00} on XX/XX/XXXX. I was and have been in communication with this financing company. I reported to them ( Audi Fianacial Services ) that I was untrusting of their website and that payments would be submitted as a " bill pay '' from my bank. In speaking with the reported " Supervisor '', I was told I owned $ '' XXXX '', given the address ( XXXX  ) and account number which match the account number listed on their website for my account. This amount was initiated on XX/XX/XXXX, and delivered/paid on XX/XX/XXXX, via conf # XXXX through my bank as a bill pay. Since it appeared that the transactions completed without error, the action was initiated again on XX/XX/XXXX in the amount of {$1000.00} since speaking with them on XX/XX/XXXX. During this call, I confirmed with the " Supervisor '' that the calls was being recorded, and she confirmed. I asked her why my payments were previously being declined, and she stated due to " insufficient funds ''. I asked her if I could be provided with that documentation, that my bank sent ACH electronic messages stating that funds were insufficient. She stated that I would need a " subpoena ''. I asked why I would need a court order for my own account information. She stated, something like, " that is our process ''. I called me bank and reported that issue to them and they reported that there were no records of " Audi Financial '' initiated electronic payment request to my account. She asked if I had documentation, and I told her what I was told. 

On XX/XX/XXXX, I logged into my account to check the XX/XX/XXXX payment status and found that the check mailed by my bank, was returned on XX/XX/XXXX with an electronic request to confirm the account number. No changes were made to the " bill pay '' account set-up with my bank so, it is unclear why the account would need to be confirmed. Again, I double checked and captured screen shots of the account information. I then set-up another " bill pay '' with another bank account I have where, and electronic ACH message is scheduled to pay today. I double checked that website, and it appears to be correct. At each instant of a failed payment, there is an unlisted " returned fee '' being incurred on my account and a notice of credit bureau reporting, though I am making payments repeatedly with the documented account information. I'm overwhelmed and exhausted with the calls, threats, and rejections of my payments. I am consumed by the fear of fraud and late fees.

Company response to consumer: Closed with monetary relief