Complaint Review: Volkswagen Credit

I recently experienced something with Volkswagen Corporate that I have never encountered with any other normal company.  Because of Volkswagen, I am unable to buy my home.  They preach about using their website to make payments or do all transactions online because it’s the quickest and easiest way, yet the online profile is the last source that gets updated by their internal department so that is the least reliable source.  I always made my payments through their website: www.vwcredit.com/myaccount.  I always received confirmations from the website stating payment has been received. 

In April 2014 I decided to upgrade my car with Volkswagen so I leased a new Tiguan.  In May I signed on to my account and made a payment and received a confirmation.  10 days later, I received a statement from Volkswagen saying payment has been made, Thank You.  Several days after that, Volkswagen started calling stating they have not received a payment.  They tried calling twice.  By the third phone call I received, they have already reported me to the credit bureau. 10 days before my house closing, my loan officer called and stated that because of Volkswagen, my credit score dropped 100 points!  This made me ineligible to get approved for a house loan. 

Frustrated, as anyone would be, I called Volkswagen.  Of course, they made this out to be my mistake.  They are not responsible for the payment confirmations that are sent out and they have very strict rules about reporting to the credit companies.  According to them, they were unable to reach my bank to receive a payment and even though I received a confirmation from them, its not a guaranteed payment. My payment, according to them, was 35 days late, even though they sent statements stating I have paid!  They refused to call the credit bureau and explain the situation. 

I checked my account information online and there was nothing on there about late payments.  They even posted the statement they mailed to my house saying May payments has been received. So because I relied on their online communication, I was burned by this company.  Their communication is very unclear and frustrating as are their employees.  I will never do business with this company again!  The cars are great, by their internal way of running the business is very unorganized.  This company cannot be trusted!