VW Credit is a nightmare if not more than that. I leased a car with them. They charged me around $189 more than my monthly payment without providing break-up or reason for the extra charge. There call center has no clue. Asked me to send my complain to a fax number, which I did many times only to get a response that they could not reach me over phone suggesting to call their call center again. They never called me. I reached the call center again, and they suggested to send fax again, and the loop went on. Later on, I wanted to buyout the lease to get rid of VW credit horror. I wanted to take loan from another service, the VW just refused to cooperate and blocked access to my account and sending all my requested document there which I could not access. I called their call center many times, requesting to send my documents via email as I cannot access my account either via app or web. They insisted to get it in my account without supporting to access the account. Finally I pay them the money but it is more than a month, they did not return my documents or did not even acknowledge that they have received my payment. VW credit is a complete DISASTER.