Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: VW Credit
State: CA

Complaint narrative:
Subject Line : XXXX XXXX XXXX XXXX- Single Mother Charged 118 % Above Market Rate Detailed Description : I am filing a complaint against XXXX XXXX ( address : XXXX XXXX XXXX, XXXX, CA XXXX ) and XXXX XXXX XXXX regarding predatory lease practices that resulted in my paying {$47000.00} for a lease with a market rate of {$21000.00} - an overpayment of {$25000.00} ( 118 % above market ). Background : I am a single mother who leased a XXXX XXXX XXXX XXXX XXXX ( VIN : XXXX ) in XX/XX/year>. Throughout the transaction, I repeatedly asked questions and was assured I was receiving " the best deal possible. '' Specific Violations : Excessive Cash Down Payment Without Risk Disclosure Sales staff ( XXXX and XXXX ) pushed me to provide {$15000.00} cash down payment, insinuating this would improve my financing terms. They never disclosed : - I would lose this entire amount if the vehicle were totaled or stolen - Industry standard is $ XXXX {$2000.00} maximum down payment on leases - This artificially reduced my monthly payment to disguise total cost- The down payment provides zero consumer protection - Anything to show that this did improve my financing terms Inflated Vehicle Pricing Without Disclosure - Charged {$68000.00} gross capitalized cost - Actual MSRP : approximately {$64000.00} - Markup : $ XXXX over MSRP Explanation given : " Tax incentives ending, everyone paying more '' ( misleading ) No disclosure that I was paying significantly above market rate Inappropriate Mileage Allowance - Enrolled in ultra-low XXXX miles/year allowance - I disclosed driving daily for work and family ( XXXX children )- This allowance equals only XXXX miles/month or XXXX miles/day total - They said it was not a big deal if I went over -- XXXX Clear mismatch with disclosed usage pattern Total Cost Concealment - Dealer focused exclusively on monthly payment ( {$640.00} ) - Effective monthly cost including down payment : {$1300.00} - Market rate for identical vehicle : $ XXXX -- XXXX I paid 118 % more than market Financial Impact : - Total I will pay over 36 months : {$47000.00} - Market rate for identical lease : {$21000.00} - My overpayment : {$25000.00} -- > Effective cost : $ XXXX vs {$600.00} market rate Vulnerable Consumer Targeting : As a single mother unfamiliar with lease financing, I was exploited through high-pressure tactics, misleading statements, and concealment of comparative market data. Resolution Requested : - Investigation into XXXX XXXX 's sales practices - Waiver of all lease-end fees including disposition fee ( {$390.00} ) - Credit of {$2000.00} toward remaining lease payments as partial restitution - Prohibition against similar practices targeting vulnerable consumers - Dealer accountability and policy changes Documentation : I have the complete signed lease agreement, market rate validation from third-party sources, and detailed cost comparisons proving all stated amounts. Private Account Details : - Lessee : XXXX XXXX - XXXX : XXXX XXXX XXXX XXXX XXXX - VIN : XXXX - Lease Date : XX/XX/year> - Dealer : XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX I am also filing complaints with California XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation