Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX XXXX ( VIN : XXXX ) from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. I took possession of the vehicle in XX/XX/XXXX while I was residing in Alabama. The lease is through VW Credit Inc. The lessee is La XXXX XXXX XXXX, and I am the co-lessee ( XXXX XXXX ). I am filing this complaint for deceptive trade practices, contract misrepresentation, and failure to comply with vehicle registration requirements. CONTRACT DISCREPANCIES : XXXX. XXXX XXXX : Although I took possession of the vehicle in XX/XX/XXXX, the dealership did not execute the lease contract until XX/XX/XXXX. The lease terms were not adjusted to reflect the approximately XXXX months I had already been in possession of and driving the vehicle. XXXX. Incorrect Mileage on XXXX : The lease contract lists the odometer at XXXX miles. However, I had been driving the vehicle since XX/XX/XXXX, and by XX/XX/XXXX, the actual mileage was significantly higher than XXXX miles. The dealership failed to record the true odometer reading at the time the contract was executed. Additionally, the Alabama title application ( Application Number XXXX, dated XX/XX/XXXX ) lists the odometer at only XXXX miles the factory delivery mileage which does not match even the XXXX miles on the lease contract. These inconsistencies between the lease contract and title application demonstrate a pattern of inaccurate and potentially fraudulent documentation. XXXX. Impact on XXXX XXXX : The lease allows XXXX miles per year over a three-year term ( XXXX total miles ). Because the contract understates the starting mileage, I am being held accountable for miles that were driven before the contract was executed. The vehicle currently has approximately XXXX miles. This discrepancy will result in significant excess mileage charges at lease end, potentially costing me {$1200.00} to {$2600.00} or more in penalties for miles I should not be charged for. XXXX. Lease Duration Not Adjusted : The lease term is 36 months from XX/XX/XXXX, but I had the vehicle since XX/XX/XXXX. The lease duration was not adjusted to account for the approximately XXXX months I was already in possession of the vehicle prior to contract execution. XXXX XXXX : XXXX. Deposit Not Reflected Online : I paid {$3500.00} in cash at lease signing, plus the dealership applied a {$2000.00} XXXX credit, for a total of {$5500.00} due at signing. This deposit does not appear in my online XXXX XXXX account transaction history. 1. Lease Payments Made : I have made {$2200.00} in lease payments to date ( a {$560.00} check payment on XX/XX/XXXX and a {$1700.00} online payment on XX/XX/XXXX ). My next payment of {$590.00} is due XX/XX/XXXX. My total financial investment in this vehicle to date is approximately {$7800.00} ( {$3500.00} deposit + {$2200.00} in payments ), and I am continuing to make payments on a vehicle I can not legally drive. REGISTRATION AND TEMPORARY TAG FAILURES : 1. Failure to Provide Permanent Registration : Despite having the vehicle since XX/XX/XXXX, the dealership has never provided me with a permanent Alabama license plate or registration. I have been driving exclusively on temporary tags since taking possession of the vehicle. XXXX. XXXX XXXX XXXX XXXX XXXX : Multiple temporary tags have expired before replacements were provided. The most recent temporary tag expired on XX/XX/XXXX. As of XX/XX/XXXX more than XXXX weeks later I still have not received a replacement. My vehicle is legally undrivable and has been sitting in my driveway since XX/XX/XXXX. I emailed my contact at XXXX XXXX requesting a new temporary tag and explained that my local XXXX in XXXX, Florida informed me they can not issue a temporary tag and that I must obtain XXXX from Alabama. I have not received a response. I also contacted XXXX corporate, who reached out to the dealership on my behalf. I also left a voicemail for XXXX XXXX at XXXX XXXX on XX/XX/XXXX. As of this filing, I have received no resolution. XXXX. XXXX Appointment Canceled Due to Dealership Negligence : I had a XXXX appointment scheduled for XX/XX/XXXX, at the XXXX, Florida XXXX to initiate the title transfer and obtain Florida registration. However, the XXXX requires that I bring the vehicle in for a physical inspection. Because my temporary tag has been expired since XX/XX/XXXX, I can not XXXX XXXX the vehicle to the XXXX. I was forced to cancel the appointment and attempt to reschedule, creating further delays. This is a circular problem entirely caused by the dealerships negligence : I can XXXX XXXX the car to the XXXX because I do not have a valid tag, and I do not have a valid tag because the dealership has failed to provide XXXX or process permanent registration at any point since XX/XX/XXXX. XXXX. Transfer Costs : Because the dealership never obtained permanent Alabama registration, I now face approximately {$500.00} in out-of-pocket costs to transfer registration to Florida. Had the dealership properly processed Alabama registration as required, this would have been less costly. XXXX. Dealership Non-Responsiveness : The dealership does not proactively address these issues. Each time a temporary tag expires, I must reach out to request a new one. I have sent multiple emails, a certified letter ( unanswered ), and opened multiple cases with XXXX corporate. The dealership remains unresponsive. XXXX. Deferred Payments : The dealership deferred lease payments at various points, which appears to have been done to accommodate their own administrative errors rather than for my benefit. ONGOING DAMAGES AND HARM : - Loss of Use : I am paying $ XXXX ( plus taxes totaling approximately $ XXXX ) on a vehicle I can not XXXX XXXX. The car has been sitting in my driveway since XX/XX/XXXX. - XXXX XXXX XXXX at XXXX : {$7800.00} to date ( {$3500.00} cash deposit + {$2200.00} in payments ), with ongoing monthly payments of {$590.00}. - Loss of Wages : I am unable to use the vehicle for work-related transportation, resulting in lost income. - Canceled Appointments and Delays : I was forced to cancel a XXXX appointment on XX/XX/XXXX, because I can not legally drive the vehicle for the required inspection. - Out-of-Pocket Costs : Approximately {$500.00} for Florida title transfer caused by dealership negligence. - Emotional Distress and Stress : The ongoing uncertainty, repeated failures, non-responsiveness, and inability to use a vehicle I am paying for has caused significant emotional distress and disruption to my daily life. - Inconvenience and Time : Extensive time spent emailing, calling, filing cases with XXXX corporate, contacting XXXX XXXX, visiting the XXXX, and filing regulatory complaints all due to the dealerships failure to fulfill basic obligations. EFFORTS TO RESOLVE : I have made extensive good-faith efforts including multiple emails ( documented ), a certified letter ( unanswered ), escalation through XXXX corporate XXXX multiple cases ), contact with Audi Financial Services XXXX and direct voicemails to dealership personnel including XXXX XXXX XXXX XXXX corporate informed me I must deal with the dealership for XXXX year before they intervene. XXXX XXXX directed me back to the dealership. The dealership has consistently failed to respond or take corrective action. REQUESTED RELIEF : a ) The lease contract be amended to reflect the correct starting mileage at the time the XX/XX/XXXX contract was executed ; b ) The lease duration be adjusted to account for the approximately XXXX months the vehicle was in my possession prior to the XX/XX/XXXX contract date ; c ) Immediate issuance of a valid temporary tag or proper vehicle registration so I can legally drive the vehicle ; d ) Reimbursement for all out-of-pocket costs including approximately {$500.00} in Florida transfer costs caused by dealership negligence ; e ) Credit or reimbursement for lease payments made during the period the vehicle has been legally undrivable ( XX/XX/XXXX through resolution ) ; f ) Full accounting and credit for the {$3500.00} cash deposit paid at signing ; g ) Compensation for loss of wages, canceled appointments, inconvenience, and emotional distress ; and h ) Investigation into the dealerships practices regarding contract documentation, registration processing, and title application accuracy.

Company response to consumer: Closed with explanation