Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Volvo Car Financial Services U.S., LLC
State: GA

Complaint narrative:
I am filing this formal complaint against Volvo Car Financial Services U.S. , LLC for predatory servicing, bad faith dealing, and direct violations of the Uniform Commercial Code ( UCC ) regarding the scheduled disposition of my XXXX XXXX XXXX. Volvo has engaged in a documented pattern of weaponizing deadlines and intentionally stalling to inflate fees on my account, while ignoring multiple good-faith attempts on my part to resolve the matter. XXXX. Initial Repo & First Attempt to Resolve ( XX/XX/XXXX ) : Volvo 's predatory behavior began when they made no good-faith attempt to contact me and repossessed the vehicle without warning while I was out of the country. When I returned and received their initial post-repossession notice, they had given me barely one day to meet their deadline to request a public sale. I met that deadline and submitted a formal written request on XX/XX/XXXX, asking for an update and resolution options. Volvo completely ignored this communication and remained silent for over four months. 2. Commercially Unreasonable Notice ( UCC Violation ) : After four months of silence, I received a " Notice of Our Plan to Sell Property '' via certified mail for a public auction scheduled for XX/XX/XXXX. The letter was dated XX/XX/XXXX, but the delivery was deliberately delayed. USPS Tracking ( XXXX XXXX. XXXX ) confirms the first delivery attempt was not made until XX/XX/XXXX, proving Volvo held the notice for nearly a week before mailing it. I did not receive the notice until days before the XX/XX/XXXX auction. This blatantly violates O.C.G.A. 11-9-611 ( a nd UCC 9-611 ), which requires commercially reasonable notification. 3. Extortionate and Unjustified Fees : Volvo 's redemption demand of {$32000.00} includes {$870.00} in " Collection charges '' and {$580.00} in " Repossession charges. '' Volvo deliberately stalled the disposition process for four months on my dime, ignored my XXXX inquiries, and is now attempting to extort me for punitive " collection '' costs that accrued solely due to their own administrative delays. 4. Withholding of Warranty Refunds : My contract included a substantial 100,000-mile extended warranty/service contract. Volvo 's letter acknowledges that unredeemed vehicles will have these contracts canceled and credited. However, their artificially inflated $ XXXX redemption demand fails to account for this pro-rated refund. They are forcing a redemption based on inaccurate accounting that deliberately withholds thousands of dollars in credits owed to me. 5. Second Attempt to Resolve & Failure to Mitigate ( XX/XX/XXXX ) : On XX/XX/XXXX, I submitted a formal legal dispute via fax, email, and certified mail. I explicitly requested that they : Postpone the illegal XX/XX/XXXX auction to provide a legally compliant notice period. Provide a waiver of the {$1400.00} in unjustified fees accrued during their delay. Accept a lump-sum cash settlement for the current fair market value of the vehicle. While Volvo verbally confirmed receipt of my fax over the phone, they have refused to officially halt the auction. Their refusal to engage with a reasonable cash settlement, combined with their illegal 72-hour auction fire drill, demonstrates a clear failure to mitigate damages.

Company response to consumer: Closed with explanation