Mercedes Benz Financial Services

I leased a XXXX XXXX XXXX XXXX in XX/XX/XXXX through XXXX XXXX XXXX XXXX My monthly lease payment is approximately {$800.00}. Beginning around XX/XX/XXXX, the vehicle started experiencing repeated safety-related malfunctions. These issues included the instrument cluster screens turning XXXX while driving, unexpected loss of battery charge requiring the vehicle to be towed, and a XXXX XXXX XXXX XXXX XXXX warning that required replacement of the coolant pump. In XX/XX/XXXX the vehicle displayed a High Voltage Malfunction warning and shut down while driving. The vehicle has required multiple repair visits to the dealership and is currently undergoing another repair while I am using a loaner vehicle. In addition, the vehicle is subject to XXXX XXXX XXXX involving the high-voltage battery. According to the recall notice, the battery may fail due to an internal short circuit which could lead to a vehicle fire while parked or driving.…

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Formal Complaint Inaccurate Information / Unfair Credit Decision To Whom It May Concern, I am submitting this formal complaint against Mercedes-Benz Financial Services regarding repeated application denials accompanied by the message customer not acceptable, without a clear or sufficient explanation. I believe that my consumer file associated with my Social Security number may contain inaccurate, incomplete, or improperly verified information that is negatively affecting my ability to obtain financing. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws, I am requesting the following : 1. A full disclosure of all information used in evaluating my applications, including any internal records, third-party data, or risk flags associated with my identity. 2. A detailed explanation of the specific reasons for denial, beyond generic or automated responses. 3.…

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On XX/XX/year>, Mercedes-Benz Financial Services issued a written Vehicle Purchase Price ( payoff quote ) for {$29000.00}, valid through XX/XX/year>. The quote stated that the amount was calculated using their records as of that date. On XX/XX/year>, my lender mailed payment for the full quoted amount within the validity period. Mercedes-Benz Financial Services clamored they received the payment on XX/XX/year>. Mercedes-Benz Financial Services later stated that the account was closed on XX/XX/year> and added {$6000.00} in additional charges, including over-term fees, a residual/settlement adjustment, and a disposition fee. These charges were not disclosed in the XX/XX/XXXX payoff quote. I relied on the written payoff quote when sending payment. The additional charges were generated after the quote was issued and after payment was sent. I requested a full account ledger, payoff calculation, and itemization of the fees.…

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Mercedes-Benz Financial Services has been reporting a repossession on my credit reports with a remaining balance of approximately {$9900.00}. This reporting has significantly damaged my credit profile and ability to obtain financing. I dispute the accuracy and completeness of the information being reported. I have not been provided with proper documentation verifying how the alleged deficiency balance was calculated after the repossession. Specifically, Mercedes-Benz Financial Services has not provided : A full accounting of the balance claimed after the repossession The date the vehicle was sold and the sale price obtained Documentation showing how the {$9900.00} balance was determined Proof that the repossession sale was conducted in a commercially reasonable manner Copies of any notices that were required to be sent to me before and after the repossession sale Despite these missing records, the company continues to report the account as a repossession with an outstanding balance…

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This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be XXXX % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

As reflected in the documentation, the repurchase review was initiated through XXXX and approved through your office ( by XXXX XXXX who will be referred to as XXXX in all the subsequent documentation prior to the matter being transferred to XXXX following the filing of the XXXX demand. That approval would have required a review of the account structure, including whether the vehicle was financed or leased. Later in the process, XXXX reached out directly to you XXXX requesting that you please advise, noting that my attorney had been unable to obtain the vehicle title. At that stage the issue being raised involved the title and the status of the account. Based on the documentation, communications from Mercedes-Benz Financial Services indicated that no payoff amount was included because the account had been stated as paid off.…

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I am filing this complaint regarding inaccurate credit reporting by Mercedes-Benz Financial Services related to a vehicle account associated with my employer, XXXX XXXX account reference number on XXXX Account number XXXX Open/closed Open Date opened XXXX XXXX, XXXX Account type Auto Loan I am listed on this account as a co-signer, and the tradeline has been reporting on my credit report for some time. While the account relationship itself is accurate, the reporting of a 30-day late payment for XX/XX/year> is incorrect. I have repeatedly contacted Mercedes-Benz Financial Services requesting documentation, account tracing, and validation supporting the determination that the XX/XX/year> payment was late. Despite multiple requests, I have not been provided any supporting documentation or payment ledger showing that the payment was in fact late. Instead, I have simply been told verbally that the reporting is accurate, without any substantiation.…

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I am requesting that the lien on this vehicle be released and that the account reporting be corrected based on the written communications I received repeatedly stating that the account had been paid off. I relied on those written communications in good faith. Despite those statements, my credit report currently reflects a balance of approximately {$100000.00} associated with this vehicle. The vehicle was purchased/leased brand new in XXXX and experienced significant electrical and mechanical issues almost immediately after delivery. Between XX/XX/XXXX and XX/XX/XXXX the vehicle spent approximately XXXX days in the possession of XXXX for repairs. Due to the repeated safety issues, the vehicle has not been driven since XX/XX/XXXX and has remained stored in a garage. As this is an electric vehicle, its inactivity can be verified through charging records. The vehicle repeatedly shut off while being driven, creating serious safety concerns.…

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On XX/XX/XXXX, prior to entering the dealership, XXXX XXXX ( Plaintiff ) was negotiating a lease transaction with sales representative XXXX XXXX of XXXX XXXX XXXX, XXXX ( Defendant, doing business as Mercedes-Benz XXXX XXXX XXXX XXXX XXXX During the initial discussion, XXXX XXXX informed Plaintiff that his prior lease payoff balance was approximately {$6100.00} and that he would have to pay that amount. Plaintiff responded that it was not financially reasonable for him to pay the entire remaining balance in order to enter into a new lease and that he would proceed only if the prior obligation could be satisfied through the transaction structure. Text messages dated XX/XX/XXXX reflect that Plaintiff owed approximately {$41000.00} on his prior lease. Plaintiff informed XXXX XXXX that if she could provide {$38000.00} in trade value, he would pay the remainder ; otherwise, he would not proceed. ( Exhibit A ) This was also communicated over the phone.…

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I am submitting this complaint regarding Mercedes-Benz Financial Services USA LLC for continued reporting of a fraudulent auto account despite multiple identity theft notices, statutory disputes, and regulatory escalation. This account was opened through identity theft. I did not apply for, authorize, sign for, possess, insure, or receive any benefit from the vehicle associated with this account. TIMELINE OF EVENTS : XX/XX/XXXX I mailed my first written identity theft dispute to Mercedes-Benz Financial Services along with a valid FTC Identity Theft Report, proof of identity, and proof of residence. XX/XX/XXXX Mercedes-Benz Financial Services issued a denial stating they were unable to validate my identity theft claim but provided no factual evidence or supporting documentation.…

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To Whom It May Concern, I am submitting this complaint regarding Mercedes-Benz Financial Services and the handling of my vehicle loan account. Background : 1. Multiple written communications from Mercedes-Benz Financial Services confirm that this account was paid in full, with no balance owed, and that a payoff could not be provided because the account reflected a XXXX balance. Copies of these communications are attached. 2. Despite these confirmations, the account continues to show a lien on my vehicle title, and my credit report shows a balance of {$100000.00} with the notation profit write-off loss. 3. The account was subsequently sold to a third-party debt collector, who has attempted to collect on this account, even though Mercedes-Benz confirmed it was paid in full. Request for Relief : I am requesting that your office : 1. Investigate Mercedes-Benz Financial Services for failure to release the lien after confirming the account was paid in full. 2.…

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i was on XXXX XXXX and i saw that i can report to you using this method for violations of my credit report. i was talking to someone over the phone and we agreed to repair the late information since i paid {$3200.00} and was clearly informed that due to paying what was due, i would have a good will for my late payments. i am a victim of XXXX XXXX and i expressed m situation and status with the company who then sympathized with me. i have now seen the new balance reporting however, i till see the late payments reporting this is a huge violation of their agreement with me which as on a recorded line. please help me with mb financial services as they are telling me one thing and then not completing with what we both agreed upon.

I traded in my vehicle in XX/XX/year>. The dealership/new finance company was responsible for paying off my prior auto loan with Mercedes-Benz Financial Services but failed to remit the payoff timely. As a result, Mercedes-Benz Financial reported the account as delinquent, causing a significant drop in my credit score. I was not in possession of the vehicle after the trade-in date and was not responsible for payments beyond that date. I contacted the dealership multiple times and was promised resolution within 48 hours, but no action was taken. I am requesting immediate correction of the inaccurate credit reporting and confirmation that the payoff has been sent.

Summary : Following the closure of three previous CFPB complaints ( XX/XX/XXXX ) with an agreement to allow reinstatement, MBFS manufactured a default by withholding payment information, imposing an impossible 24-hour holiday deadline, and subsequently claiming to refund a full tender of payment that they held for 27 days. Detailed Timeline : XX/XX/XXXX : MBFS closed previous complaints with a formal agreement to allow reinstatement following an internal " hold '' to investigate a contested tow in XXXX. XX/XX/XXXX XX/XX/XXXX : The vehicle remained on hold. Despite MBFS being notified of my XXXX residency on XX/XX/XXXX, no written updates regarding arrears or the status of the hold were provided. XX/XX/XXXX XX/XX/XXXX : MBFS established a reinstatement window but failed to communicate the specific payoff amount. I proactively emailed MBFS on XX/XX/XXXX and XX/XX/XXXX requesting the payoff figures and payment instructions. MBFS ignored both inquiries until the window expired.…

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On XX/XX/year>2024, I leased a Mercedes-Benz vehicle from XXXX of XXXX through Mercedes-Benz Financial Services ( XXXX ) . After reviewing the contract, I discovered that several mandatory federal and state disclosures were missing or incorrect. The dealer failed to disclose my trade-in valuation, failed to itemize the {$6000.00} due at signing, included unauthorized add-on products, and left required sections of the contract blank. Most importantly, the contract falsely stated that the vehicle was provided AS-IS with no warranty, even though Mercedes-Benz later confirmed in writing that the vehicle carried an active Certified Pre-Owned ( XXXX ) warranty at the time of sale. This is a material misrepresentation and violates the Consumer Leasing Act, Regulation XX/XX/XXXX the Magnuson-Moss Warranty Act, and Georgia motor vehicle disclosure laws.…

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I am disputing a repossession account currently being reported under MERCEDES BENZ FINANCIA as inaccurate and unlawful. The creditor failed to provide me with the legally required Right to Redeem notice before selling or disposing of the vehicle, as mandated under XXXX XXXX and applicable state laws. I never received this notice, which violated my rights and disqualifies them from collecting any deficiency balance. Because of this failure, the reporting of this repossession and any remaining balance is inaccurate, misleading, and damaging to my credit report. Furthermore, under 15 U.S. CXXXXe XXXX ( a ) ( XXXX ) ( A ), furnishers of information must report accurate and complete data, which they failed to do in this case.

I am submitting this complaint to report an unauthorized hard credit inquiry performed by XXXX XXXX XXXX. On XXXX, I communicated by phone with a sales representative at XXXX XXXX XXXX, XXXX XXXX . I was not physically present at the dealership at any time. During this phone conversation, I specifically asked what type of credit inquiry would be conducted. XXXX XXXX explicitly stated that only a soft credit pull would be performed and that it would not impact my credit score. Based on this representation, I provided my information. However, I later discovered that XXXX XXXX XXXX conducted a hard credit inquiry without my consent. This hard inquiry negatively affected my credit. At no point did I authorize a hard credit pull, either verbally or in writing. I was not provided with any disclosure, authorization form, or notice indicating that a hard inquiry would be performed.…

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To Whom It May Concern, I am submitting this letter as a formal legal dispute and regulatory complaint regarding materially false credit reporting, re-aging of a nonexistent debt, and breach of contract by Mercedes-Benz Financial Services USA LLC , originating from Mercedes-Benz XXXX XXXX XXXX XXXX This dispute is supported by clear documentary evidence, including both signed lease contracts and my most recent consumer credit report, all of which are attached Factual Background ( Documented Evidence ) In XX/XX/XXXX, I entered into XXXX separate motor vehicle lease agreements with Mercedes-Benz XXXX XXXX XXXX for : Mercedes-Benz XXXX XXXX XXXX XXXX XXXX Contractual XXXX XXXX XXXX XXXX ) Both contracts explicitly state : Lease term : XXXX months Structure : One payment due at signing Followed by XXXX monthly payments Total number of lease payments : XXXX No provision whatsoever for a XXXX term These facts are clearly and unambiguously disclosed on Page XXXX of each contract under…

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In reviewing my credit report I noticed the above account fell within the exclusion time frame. Therefore, please note that this letter is not a dispute of the above mentioned account Mercedes Benz financial # XXXX Please exclude it from my credit report this account have been a my report for 7 years and 11 months

Product : Auto loan or lease Issue : Trouble with payments/ Refund not received I made XXXX payments in error to Mercedes-Benz Financial in XXXX and XX/XX/year> for an account that was closed approximately XXXX years ago and is no longer serviced by MBFS. Mercedes-Benz Financial returned XXXX of the XXXX payments on XX/XX/year>, confirming receipt of the funds. MBFS has failed to return the second payment and now claims it can not locate the account, payment, or processing facility. MBFS has possession of funds paid in error to a non-existent account and has no legal basis to retain them. I have provided proof of payment and proof of the prior refund. I am requesting that MBFS conduct a formal payment trace/unapplied funds search and immediately refund the remaining payment. Failure to do so constitutes unjust enrichment.

I allegedly purchased a vehicle from Mercedes-Benz XXXX XXXX XXXX XXXX XX/XX/XXXX. I actually put a cash deposit down of {$6000.00}. The dealership violated the Truth in Lending Act by misrepresenting the transaction as a loan or a retail installment sales contract. I sent Mercedes-Benz of XXXX XXXX XXXX Notice of Default and Opportunity to Cure on XX/XX/XXXX. They did not respond. By XX/XX/XXXX, I began the arbitration process. Then I was seeking all sales tax paid, {$2700.00}, plus now 2 times the finance charge, {$25000.00}, pursuant to 15 US Code 1611, 15 US Code 1640, 15 US Code 1662, and 15 US Code 1605. They did not rebut the claim at all, nor did they respond. The vehicle was a lemon and never worked properly. It was sold to XXXX. I would like an immediate investigation and ultimately a remittance check of {$34000.00} from the dealership for fraud. Physical documentation will be sent if needed as proof to CFPB and Mercedes- Benz upon request.

I am writing to formally document a series of grievances regarding my experience with XXXX XXXX , involving deceptive sales practices, gross service negligence, and professional misconduct. In XXXX, I purchased a XXXX XXXX. During the sale, I was misled regarding vehicle allocations and interest rates ; despite a credit score of XXXX, I was pressured into a 10.49 % rate under the false claim that rates had risen that day. XXXX XXXX XXXX XXXX me of my finances due to discrimination. Since then, the vehicle has been in and out of your service department for persistent oil leaks and a recurring check engine light. In XXXX at least once a month in the service and XXXX times in XXXX. Despite multiple " repairs, '' the leaks persist. Most recently, excessive metal was found in the oil, indicating severe engine damage due to negligence, including instances where the oil was either overfilled or left empty.…

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I am writing to formally document and demand resolution regarding XXXX XXXX XXXX failure to properly release the title to my vehicle despite full payoff having been completed more than XXXX years ago. Below is a detailed timeline of events : XX/XX/XXXX I contacted XXXX XXXX XXXX to pay off my leased XXXX XXXX XXXX XXXX The payoff amount, including sales tax, was wired and confirmed as received. XX/XX/XXXX I discovered that the vehicle title had never been sent to me. Upon contacting XXXX XXXX, I was informed that an odometer statement was required before the title could be released. The odometer statement was promptly completed and emailed as requested. XX/XX/XXXX I received paperwork from XXXX XXXX, including the vehicle title and a cover letter. I presented these documents to the California XXXX to transfer the title into my name. At that time, the XXXX advised that sales tax needed to be paid. I informed the XXXX that sales tax had already been paid to XXXX XXXX at payoff.…

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Mercedes Benz Financial Services, XXXX XXXX XXXX XXXX XXXX Minnesota, XXXX XXXX XXXX Customer Service. There have been estimated XXXX conversations and email inquiries over the past few months with various representatives at XXXX XXXX XXXX The lack of action feels illegal as this is a clear breach on my financial security This Fall I purchased a new vehicle. I opened a loan. Within approximately 1 month of opening the loan, I went into my account and noticed a suspicious phone number that belongs to a male with a foreign name. I immediately made note of the number and then updated my account. I then called the financial person at the dealership to report it and ask how this happened. He deflected and directed me to customer service ; this is where the spiral started... I called XXXX XXXX customer service to and inquire as to how this happened, with hopes that the reception would be taken very seriously.…

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I am submitting this complaint regarding the servicing and repossession of my leased vehicle by Mercedes-Benz Financial Services . I requested and relied on verbal payment deferrals that were approved by Mercedes-Benz Financial Services representatives . Despite those conversations, my account later went into repossession. After the repossession, my case was escalated to a supervisor, a sale freeze was placed on the vehicle, and I was instructed to open a repossession-damage claim. During the repossession, the repossession company caused physical property damage to my assigned parking space, including cracked concrete and visible white paint transfer. I was directed to pursue an insurance claim for this damage. After the escalation, sale freeze, and damage-claim instructions, Mercedes-Benz Financial Services later reversed course and stated that no deferral error occurred and that only full payoff would be accepted, with no reinstatement.…

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Good afternoon, I am writing to formally dispute inaccurate information that is currently being reported on my credit report. I have already taken the appropriate steps to address this matter. I submitted an identity theft report with the Federal Trade Commission ( FTC ) online and included supporting documentation, along with a police report. Additionally, I sent dispute letters and copies of this documentation to the credit bureaus and the creditors involved. Despite these efforts, the inaccurate information remains on my credit report. I am requesting that this matter be reviewed promptly and that all inaccurate or fraudulent information be corrected or removed in accordance with the XXXX XXXX

On XX/XX/year>, Mercedes-Benz Financial denied my auto financing application, citing vague reasons from my Experian credit report : " length of time open, '' " length of time accounts in file, '' " Too many accounts with balances, '' " Time since most recent account opening is too short, '' and " Proportion of balances to credit limits is too high on bank revolving or other revolving accounts. This notice is incomplete and insufficient under federal law. A representative verbally told me the denial was due to it being " too much car, '' which is unclear and unrelated to my credit report please clarify. For the record, I did not receive this notice on the XXXX. My XXXX score was high ( 800+ per recent pulls ), and I have a previously paid-off loan over {$70000.00} more than requested making this denial unwarranted. Pursuant to FCRA 15 U.S.C. 1681m ( a ) ( adverse action based on CRA report ) and ECOA 15 U.S.C.…

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When I got the loan, I signed up for auto pay. I was out of the country for work and I was unaware that the payments had not been taken out. When ai returned and learned that the payments hadnt been taken, I immediately made all the payments.I am now caught up with payments, and I will not be late going forward. However this dropped my score and is hindering me from moving forward with my house purchase. I would like for them to remove the late payments so that I can move forward with my life plans.

The car was repossessed initially back in XX/XX/XXXX of 2025, after explaining them to recieve payment on that same week they took the car. They were completely disregarding me telling them my personal hardship and being XXXX in XXXX on why the process been delayed and such. But on my end, I made my payment and struggling to have the time to pick up. They have attacked my credit putting the complete repossession and i have in fact paid to get it redeemed. The problem is picking up the vehicle, but besides the point. I just want them to take that repo off my credit report. ASAP PLZ HELP & I WOULD LIKE TO EXPRESSION MYSELF APPROPRIATELY ON THIS MATTER.

My vehicle was towed by the city on XX/XX/year>. At that time I was XXXX and unable to XXXX XXXX XXXX XXXX XXXXOn XX/XX/year>, I contacted Mercedes-Benz Financial Services and requested a voluntary surrender of the vehicle. Mercedes-Benz Financial Services agreed and emailed me voluntary surrender documents the same day. I signed the voluntary surrender agreement on XX/XX/year> and returned it by email on XX/XX/year>. I was informed that Mercedes-Benz Financial Services would retrieve the vehicle from the city tow lot and that no further action was required on my part. Despite accepting the voluntary surrender, Mercedes-Benz Financial Services failed to retrieve the vehicle for more than two months. During this time, daily storage fees and tickets accrued to approximately {$4000.00}, Mercedes-Benz Financial Services continued billing my account, and negative credit reporting occurred.…

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