Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
Subject : Inaccurate and unfair charge-off reporting by Volvo Car Financial Services XXXX XXXX XXXX Volvo Car Financial Services Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  ] Date Issue First Occurred : XX/XX/XXXX Submitted by : XXXX XXXX XXXX XXXX : In XX/XX/XXXX, I attempted to pay my post-lease balance with Volvo Car Financial Services in full using a credit card. Volvo refused that payment method and instead placed me on a payment plan using my checking account. I provided my banking information and made the first payment over the phone. At no time was I told that payments would not be automatically withdrawn. 

I reasonably believed the remaining balance would be debited monthly. I received no clarification, no follow-up, and no final notice. Then in XX/XX/XXXX, I discovered that the account had been charged offonly after seeing it on my credit report. Volvo claimed to have mailed a final notice in XX/XX/XXXX, which I never received. Meanwhile, I continued to receive standard reminder invoicesincluding XXXX dated XX/XX/XXXX, mere weeks before the charge-off date of XX/XX/XXXX. This caused serious confusion and gave the impression that the account was still being handled normally. 

On XX/XX/XXXX, I contacted Volvo and spoke to a representative who was rude, dismissive, and entirely unhelpful. She shifted blame onto me, claiming I should have asked whether payments would be automatic. That logic is unacceptable, especially given that I was following Volvos direction and had willingly provided my checking account information. 

Despite the lack of transparency and poor handling, I paid the full remaining balance immediately after learning of the charge-offdemonstrating my intent to resolve the matter responsibly. Yet, I was told no Pay-for-Delete option was available and that the charge-off would remain on my credit. 

I subsequently disputed the account with XXXX, who made minor updates to fields ( balance, pay status, etc. ) but refused to remove the charge-off, even though the balance is now {$0.00}. Ive since filed a Method of Verification request and added a XXXX consumer statement disputing the legitimacy of this derogatory entry. 

Pattern of Consumer Mistreatment : My experience is not isolated. Volvo Financial Services has a well-documented history of poor customer service, miscommunication, and billing issues, as seen in hundreds of negative reviews across XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and other consumer platforms. Many customers report nearly identical issuesunexpected fees, lack of clarity around billing, and hostile customer support representatives. 

This pattern reinforces my position that the charge-off is not only unfair in my case, but emblematic of a broader failure in Volvos operational and consumer practices. 

Why This Is a Problem : I was never informed that payment plan deductions would not be automatic. 

I never received the so-called final notice. 

I continued receiving standard billing communications through XX/XX/XXXX, misleading me into believing everything was in order. 

A Volvo rep acknowledged the lack of communication but refused to help. 

I paid the balance in full once I became aware of the issue, and yet I am still being penalized. 

This negative item is causing harm to my credit just as my family is preparing to welcome our first child in XXXX. 

I am prepared to pursue this matter with the New York State Attorney General, and I will escalate legally if needed. I will continue fighting this dispute for as long as it takes until my credit report accurately reflects the full context of what occurred.

Company response to consumer: Closed with explanation