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A little over three years ago, I leased a 2014 Volt from Rydell using US Bank. Last December, my lease was nearing its term, so I scheduled an inspection with AutoVIN (as instructed by US Bank) and they assess about $260.00 in excess wear and tear. About a week before my term was up, I returned the car to a local Chevy dealer at about 1000 miles under and they gave me an odometer report.

A few weeks later, I got a bill from US Bank for the $260.00 plus $20.80 in sales tax. I happily wrote them a check for the full amount and thought everything was over.

Today, US Bank called me and said that they saw damage to the Volt in that the battery cables under the car was "sheared off" and that it would cost $10,000 to repair. They told me I could file a claim with my insurance company or I would have to pay off that bill.

This came as a shock to me and I have no idea how the battery cable could have possibly been "sheared off" by me. Is the Volt even driveable if the battery cables under the car is "sheared off"?

I am currently speaking to my insurance company and waiting for the report from US Bank. What a nightmare.
 

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This sounds like a nightmare in the making! WOW! You just can't accept this. Either there's a mistake or someone got screwed by some shady people. Sorry brotha! Fight this to the end!
 

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Discussion Starter · #6 ·
Hmm...

Are you sure that it was a call from US Bank? That sounds like a scammer trying it on to me.
Hmm.. You might be right. I called US Bank using the number printed on my statement and the representative told me that I have a zero balance on my account and that was the end of the story.

As a precaution, I just added a security freeze on my SSN to all three credit agencies.
 

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Scammers are relentless of coming up with new ways to steal, always get it in writing. No legitimate company would call on the phone ( or government like the IRS ), they would ALWAYS us US mail to inform you of an issue.

You should change the title of your thread to reflect a scam, its not US bank you have an issue with
 

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Discussion Starter · #8 ·
Scammers are relentless of coming up with new ways to steal, always get it in writing. No legitimate company would call on the phone ( or government like the IRS ), they would ALWAYS us US mail to inform you of an issue.

You should change the title of your thread to reflect a scam, its not US bank you have an issue with
I'm still not 100% sure this is a scam. I called US Bank back using the number printed on their statement and got transferred to the same department. I spoke to a US Bank rep and he said that my balance is showing zero, but the other department might know something he doesn't know. Unfortunately, their offices are now closed, so I can't get any additional information out of them today.

Here's a more technical question. If the battery cables on the bottom of the Volt were severed, would the car even be driveable?
 

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Turn it over to your insurance company. Let the bank fight with them.
No, because this might turn into giant rate increases. Put the burden on caller to show you the car, show the damage, and prove that the damage wasn't caused by some dealership employee joyriding over rough terrain. When the car was turned in, the at was inspected, that should be that. Get an attorney that is so mean even you don't like him (or her) and rattle your saber that you've always wanted to own a piece of a finance company.
 

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Moral: NEVER lease. Get a loan and BUY. Leasing companies are low-lifes.
Debt collectors and repo men are also low lifes. Never lease and never buy until you have the cash. It's about the same amount of money, just learning to delay getting that new car until you've saved up the money rather than spending now and paying for it later with compouding interest working against you.
 

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Discussion Starter · #14 ·
Did you Google the phone number that called you?

Sent from my Moto G (4) using Tapatalk
I got two calls. 800-562-5205 and 800-437-1998. Searching the first number was inconclusive. The 2nd number seems to indicate a scammer. I'll call the official US Bank number printed on the US Bank statement tomorrow to confirm.
 

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Discussion Starter · #16 ·

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I think you're being scammed. You couldn't drive the car with any severed battery cables. The only one under the car is the APU cable and if it somehow got damaged there'd be warning lights aplenty, if the car didn't just shut down. It's an armored cable running along the fuel lines. Pretty hard to damage.
 

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Interesting. If it's a scam, how do they get you to pay them without tipping their hand that they're not really US Bank? I mean if your insurance company gets involved, surely they'll figure out, or already know that this is a scam that's been done before.
 

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They probably come up with something like this;
"Sir, you sound like a reasonable guy who's not trying to get away with this...so here's what we can do for you. In order to save extra handling charges and interest costs, if you can arrange to wire, or e-transfer $8000 to us by 10pm tonight when we close, that will square things away on our end...sound good"

Or something to that effect. Like somebody above said earlier, scammers are relentless in their efforts to come up with ways to help people part with their money. Because they know one thing for certain....and that is that a hard working honest person will do almost/pay almost ANYTHING, to make a problem go away. Never forget that
 
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