Stellantis Financial Services US corp.

I am disputing the handling of an auto loan payoff involving joint-payee checks issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX issued a payoff-related check payable to XXXX XXXX AND XXXX XXXX XXXX '' I mistakenly mailed the check, along with a personal check for {$180.00} to cover any excess, to Stellantis. For context, I have open auto loans with both Sellantis FS and XXXX XXXX for XXXX different vehicles. Stellantis negotiated ( cashed ) both checks. Stellantis then mailed me back a check only for the amount of my personal check ( {$180.00} ), while retaining the larger XXXX XXXX payoff check. Despite cashing the XXXX XXXX payoff check, XXXX XXXX has not applied the payoff to my loan, transferred the funds to the appropriate financer under XXXX ( XXXX XXXX ), and has failed to respond to my several requests to investigate. XXXX XXXX has also failed to respond substantively to my CFPB complaint and has not provided XXXX XXXX with the confirmation necessary to resolve the payoff.…

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On XX/XX/year>, I called the customer service number and advised the company that I wanted to settle on the car because the value is 50 % of the remaining loan and I can no longer pay the payments. The customer service representative asked how much was I offering for settlement. I offered $ XXXX, which is 50 % of the remaining balance. I explained to him that the car is valued at $ XXXX and I will pay it in full to satisfy the loan. He placed me on hold and returned to the call and asked if I could pay it in 7 days. I said yes, I need a letter to provide to the XXXX company for the funds. He said ok. We ended the call. I called back the next day inquiring about the letter. I was told that they are preparing it. I called again in Wednesday, and was told to give them until Friday. Today is Friday and I called to inquire about the letter, I was placed on extended holds to be advised that they want {$11000.00} to settle. I advised them that this is not what was discussed on Monday.…

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- To : XXXX XXXX XXXX XXXX XXXX XXXX Re : Account No. XXXX From : XXXX XXXX XXXX XXXX : XX/XX/year> Subject : Rebuttal to Company Response Evidence of Misrepresentation in CFPB Response To Whom It May Concern, I am writing to formally dispute the response provided by your compliance team dated XX/XX/year>, which was submitted in reply to my complaint through the Consumer Financial Protection Bureau ( CFPB ). In your response, you claimed : > No payment has had any amount allocated to late fees ... That is why your account has {$520.00} of unpaid late fees. This statement is factually false and contradicted by your own billing documentation. Attached to this rebuttal is a copy of my most recent loan statement, which clearly shows : Total Late Charges Due : {$510.00} Amount Applied to Late Charges : {$170.00} This proves that payments have indeed been applied to late fees, which directly contradicts your written claim to the CFPB.…

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am filing a formal complaint against my auto leasing company regarding the repossession of my vehicle, a XXXX XXXX, which I believe was conducted unfairly and in violation of my consumer rights. Prior to the repossession, I made attempts to bring my account current by paying the past-due balance. However, the company refused to accept my payment and did not provide a reasonable opportunity for me to cure the default. Despite my willingness and ability to resolve the delinquency, my vehicle was repossessed without proper cooperation or good faith effort from the lender. I believe this conduct may violate fair lending and debt collection practices, as I was actively trying to make payment arrangements and was denied the ability to do so. Additionally, I was not provided clear communication regarding my options to avoid repossession. This situation has caused significant hardship, including loss of transportation and financial distress.…

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First Investors is still reporting my vehicle loan open and with a balance. First Investors has violated the law : Under California law, the lender has to send you the following notices after repossessing your car : a notice about the seizure ( Cal. Bus. & Prof. Code XXXX ( XXXX ) ) an inventory of your personal effects ( Cal. Bus. & Prof. Code XXXX ( XXXX ) ), and a notice of intent to sell, which includes information about your right to get the vehicle back through reinstatement or redemption ( Cal. Civ. Code XXXX ( XXXX ) ).

Hello, I leased a XXXX XXXX XXXX XXXX XXXX XXXX. I returned the vehicle to the XXXX company because it kept breaking down and according to the XXXX Lemon law this car is considered a Lemon. Based on the XXXX Lemon law : the car has to be under XXXX yr old Less than XXXX miles been in the shop for the same thing at-least XXXX times and in the shop for more than XXXX consecutive weeks and this has been my case for XXXX months I had the car for about XXXX months and out of the XXXX months the car was in the shop over XXXX time with with only XXXX miles on it. Which was over XXXX months of time in service. So, the XXXX service XXXX asked me to have the finance company sell the car bac to the manufacture because they could not promise me that it would not have issues again. When I did that the finance company picked up the car and sold it in an auction. I leased the car for XXXX with a XXXX rebate meaning that there was XXXX.…

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I am submitting this complaint regarding both an unexplained increase in my account payment and an unacceptable customer service experience that prevented me from obtaining assistance. On XX/XX/year> I contacted First Investors Services to inquire about a statement reflecting an increase in my payment that was not explained. Prior to being connected with a representative, I entered my Social Security number the companys secure keypad system, as instructed. When I was connected with the representative ( XXXX XXXX ), I fully cooperated with verification requests by providing my full account number and my address. Despite already providing multiple forms of identifying information, I was then asked to verbally provide my full Social Security number and date of birth. I expressed a reasonable concern about repeating highly sensitive personal information verbally, particularly after already entering my Social Security number through a secure system.…

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I am filing this complaint regarding the repossession of my vehicle financed through Stellantis ( XXXX XXXX ). My vehicle was repossessed on Monday morning after a delay of approximately XXXX days on a payment. This was an isolated situation, and prior to this, my account had always been in good standing. I understand my responsibility regarding payments ; however, I am actively attempting to resolve the situation in good faith. I have contacted the company multiple times requesting reinstatement options, including bringing the account current and paying any applicable fees. Despite my efforts, I have not been provided with a clear path to reinstate my vehicle. Instead, I was informed that I must pay the full remaining balance of the loan, which creates an unreasonable financial burden. I am requesting that the company provide fair and reasonable reinstatement options, as I am willing and able to resolve the past due balance immediately.…

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I have a {$4000.00} diminished value claim that has already been approved by the insurance company for damage to my leased 2025 Charger. The insurance company is refusing to pay me directly because Stellantis Financial Services ( the leasing company ) claims they are the owner and only they are entitled to the money. I am the one who will suffer the actual financial loss when I trade in or sell the vehicle. The lease agreement should allow the lessee to pursue diminished value claims for damage that occurred during the lease term. I have already sent a formal demand letter to Stellantis, but they are blocking the claim. I am requesting CFPB assistance to compel Stellantis to either release the {$4000.00} to me or apply it as a credit to my lease balance.

To Whom It May Concern, I am submitting this formal Notice of Dispute regarding the handling of my account and the improper denial of my participation in the Fresh Start Program. I executed and returned the XXXX XXXX XXXX XXXX on XX/XX/year> in good faith. The agreement clearly outlines that compliance is based on making future scheduled payments within a defined timeframe. Despite this, I received a declination letter dated XX/XX/year> stating that I failed to make a required payment or that a payment was reversed or dishonored. This determination is unsupported, inconsistent, and materially deficient for the following reasons : XXXX. Lack of Specificity and Contractual Basis The declination letter fails to identify which specific payment was allegedly missed, the due date of such payment, or how I was outside of the allowable XXXX compliance window defined in the agreement. Without this information, the denial lacks a valid contractual foundation. XXXX.…

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" I am a victim of financial forgery and consumer fraud by the originating dealership, XXXX XXXX XXXX XXXX XXXX ( XXXX, IL ). On XX/XX/XXXX, I signed a valid lease agreement for $ XXXX. Without my knowledge or consent, the dealership generated a second, forged contract dated XX/XX/XXXX, which inflated my payment to $ XXXX. When I confronted the dealership management about this forgery, they attempted to coerce me into signing a 'Waiver of Liability ' as a condition for correcting their 'error. ' I have a full audio recording of the dealerships employee who the manager sent out attempting to force this waiver on me in exchange for fixing the forged contract. And issuing a check. I refused to sign away my legal rights, and as a result, they have refused to rectify the fraudulent XX/XX/XXXX lease with Stellantis Financial Services ( SFS ). This fraud is causing me direct financial harm.…

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On XX/XX/year> dealer XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX advised vehicle interested in that had made {$400.00} down payment had accidents unaware. Second dealer did not properly review said contract. Dealer did not provide contract. Dealer did not email contract. Dealer illegally and lender illegally financed said contract with illegal bad faith. In addition purchase is not as agreed on verbally. In addition dealer and lender financed warranties in which are not authorized nor provided in sales agreements conversations nor approved. Lender and dealer did not verify income or confirm deliver of vehicle. Lender dealer misreported insurance carrier and said date.…

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Summary : Since XX/XX/XXXX, I have repeatedly requested a financial hardship review and loss mitigation assistance from Stellantis Financial Services. Despite numerous phone calls and more than a dozen written requests, the company has refused to connect me with their Loss Mitigation department, repeatedly citing a previous one-month deferment from XX/XX/XXXX as grounds for ineligibility. I have received no written notice of repossession, only verbal warnings from Collections staff that my account would " go to review for repossession '' on XX/XX/XXXX, XXXX me no time to resolve an account that the company refuses to address through proper channels. Detailed Timeline : XX/XX/XXXX Initial Contact Attempts : I made at least XXXX phone calls to Stellantis Financial Services between XXXX and early XX/XX/XXXX to request hardship assistance. During these calls, I explained my situation and asked to speak with someone in the Loss Mitigation department.…

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I have asked repeatedly for a copy of a generated statement for my Charged off collection account that was settled in-house. XX/XX/XXXX. I was sent a letter that showed the loan has been satisfied but i need a statement or letter stating that the account was settled and therefore the balance is XXXX or a statement showing the settlement payment and the balance being XXXX as a result and no further payments will be due or expected.

I am submitting a follow-up complaint regarding an unresolved issue involving an auto loan serviced by First Investors Servicing Corporation on behalf of Stellantis Financial Services . In response to my prior CFPB complaint, the company acknowledged that a servicing error occurred involving my mailing address. Specifically, an unnecessary Apt designation was added, which likely prevented delivery of the welcome letter and initial billing statement. Because of this error, I did not receive the normal billing notice required to establish the account and make the first payment. Despite acknowledging this error, the company has not provided a complete resolution. I requested that the first payment due date be adjusted to XX/XX/year> to reflect the lost billing cycle caused by their mailing error. This is a reasonable request intended to place the account in the position it would have been in had proper notice been provided.…

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During my lease financed through Stellantis Financial Services, the vehicle experienced a major mechanical failure that ultimately required a full engine replacement under manufacturer warranty. The issue began around XXXX or XXXX of XXXX, and the vehicle remained at the dealership for an extended period while repairs were performed. I did not receive the vehicle back until approximately XX/XX/XXXX, resulting in a loss of use for roughly three months. During this time, I continued making lease payments despite not having possession or use of the vehicle. Additionally, while the vehicle was in the dealerships possession for engine replacement and testing, it was driven as part of the diagnostic and repair process. As the lessee, I had no control over any mileage accumulated during this period. When the vehicle was returned to me, it had not been properly detailed and was returned with an empty fuel tank, despite being told it would be cleaned and refueled prior to pickup.…

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Company : First Investors Servicing Corporation ( collecting on behalf of Stellantis Financial Services ) Complaint Type : Debt Collection / Attempt to Collect Debt Not Owed Narrative : I am filing this complaint regarding improper debt collection attempts related to a XXXX vehicle loan allegedly associated with Stellantis Financial Services. My spouse and I purchased a XXXX vehicle through a dealership, and the financing was supposed to be handled through Stellantis Financial Services. However, we have never received any billing statement, welcome letter, account number, or loan documentation from Stellantis Financial Services. Despite never receiving any billing information, we have recently begun receiving collection calls from a company identifying themselves as First Investors Servicing Corporation claiming to be collecting a debt on behalf of Stellantis.…

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I am an employee of the Department of Homeland Security and have been affected by the recent government shutdown, resulting in a loss of pay. I have made multiple attempts to request a deferment from my creditor due to these circumstances. I also provided a letter from my employer confirming my employment status and the impact of the shutdown on my pay. Despite these efforts, my creditor has continued to report my account as delinquent to the major credit bureaus. I am seeking assistance from the Consumer Financial Protection Bureau, as my creditor has not provided the support or relief I requested during this period of financial hardship. Thank you for your attention to this matter.

Stellantis Financial Services I am filing a complaint regarding the repossession of my leased 2026 XXXX XXXX XXXX XXXX financed through Stellantis Financial Services. The repossession occurred after the first two lease payments were not processed because of an autopay setup error. When setting up autopay, I mistakenly entered a check from a bank account that had been previously closed due to fraud. This was an honest mistake during the initial setup and not an attempt to avoid making payments. I have an active and valid bank account and I am fully willing to immediately bring the account current. I have offered to pay all past-due payments, late fees, repossession costs, and any other reasonable charges necessary to reinstate the lease. I also received written notices regarding missed payments significantly later than the dates printed on the letters. By the time those notices arrived, the vehicle had already been repossessed, which prevented me from correcting the mistake earlier.…

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On XX/XX/year>, I purchased a vehicle through a dealership and financed it through Stellantis Financial Services. During the application process, I verbally communicated my actual financial situation, including income of approximately {$1900.00} per month after obligations, {$2400.00} in rent, and ongoing child support obligations. I also clearly stated that I could not afford a monthly payment above {$350.00} {$400.00}. I was asked to sign a credit application that was not fully completed at the time of signing. The credit application that was ultimately submitted reflects total monthly income of {$7000.00} and rent of {$800.00}. These figures do not match my actual financial situation or what I communicated at the dealership. The loan was approved based on this information, resulting in a monthly payment of {$640.00}, which is not affordable based on my actual income and expenses.…

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Original Amount Financed : {$35000.00} Interest Rate : 16.50 % APR Estimated Maturity Date : XX/XX/XXXX Accepted Payments Only : ( Partial Payments are not accepted on the customer portal ) Total Paid : {$31000.00} Number of Payments : XXXX Average Payment : {$500.00} Payment Period : XX/XX/XXXX XX/XX/XXXX ( approx. XXXX months ) Current Principal Balance ( as of XX/XX/XXXX ) : {$23000.00} Past Due Amount : {$2100.00} Late Charges Due : {$93.00} The borrower has paid approximately 89 % of the original amount financed, totaling {$31000.00}. Despite this substantial repayment, the remaining principal balance is approximately {$23000.00}. The 16.50 % APR and interest-dominant amortization structure have significantly limited principal reduction. The borrower is seeking a sustainable repayment structure and interest rate adjustment to ensure full satisfaction of the loan and prevent further compounding of interest and fees

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

FIRST INV SERVICING CO is falsely reporting on my credit. I have never had any accounts with them. Per my research FIRST INV SERVICING CO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

On XX/XX/XXXX at XXXX AM in the morning the tow truck driver approached my home with the lights flashing on the neighbors home flashed into my home woke up my house. People were started hollering somebody to tow truck driver is still in the truck still in the car, the car was visual. I didnt understand. Why was the lights flashing into our home woke up my grand my granddaughter shes XXXX XXXX from the way everything transpired I have witnessed statements from my neighbor stating that it was a public disturbance and that they think the tow truck driver flashing lights on my home once again the car was in visual. There was no need for the tow truck driver to have lights on when he didnt have a vehicle on the car on the tow truck.A. Illinois Vehicle Code ( 625 ILCS 5/ ) Repossession is allowed only after default, but it must be done without breaching the peace.…

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To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report associated with your company. I did not authorize this hard inquiry, nor did I provide written or verbal consent for my credit to be accessed for lending or review purposes. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company may only obtain a consumer report for a permissible purpose and with proper authorization. If you are unable to provide documentation proving that I granted permission for this hard inquiry, its presence on my credit report is inaccurate and unlawful. Additionally, under 15 U.S.C. 1681a and 1681e ( b ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy of the information reported. An unauthorized hard inquiry does not meet this standard. I am requesting that this hard inquiry be removed immediately from all consumer reporting agencies to which it has been reported.…

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The auto loan servicer reported two 60-day late payments to the credit bureaus while actively failing to provide payoff or cure information, ignoring a documented XXXX XXXX requiring written communication, and reporting derogatory information during an unresolved servicing dispute. I am submitting this complaint regarding improper loan servicing and credit reporting by my auto lender. I have been actively attempting to address my auto loan account in good faith. On XX/XX/XXXX, I received an initial email from a lender representative. There is no record of any prior outreach or attempt to contact me before that date.…

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I purchased a vehilce through XXXX XXXX in XXXX XXXX towards the end of XXXX of XXXX ... A loan was done through XXXX XXXX. The vehicle had nothing but problems and was traded in on XX/XX/XXXX. A check was overnighted to XXXX financial on XX/XX/XXXX and signed for at XXXX am according to the finance person at XXXX XXXX. Since XX/XX/XXXX I have received multiple phone calls, emails, and text messages stating that the loan was past due. I had called XXXX financial twice on XX/XX/XXXX and provided them an email that I received from XXXX XXXX at XXXX XXXX. I then sent an email to customer service and to XXXX XXXX ( a supervisor ) at XXXX explaining that I no longer have the vehicle. The first rep that I spoke with told me that I needed to contact them and that I needed permission to trade in a vehicle. At this point, I have now recieved XXXX phone, XXXX emails, and XXXX texts messages within a XXXX hour period.

I am submitting this complaint regarding the repossession of my leased vehicle by Stellantis Financial Services. I was previously behind on my lease payments. On XX/XX/year>, I made a payment of {$1200.00}, which Stellantis confirmed was received and posted to my account. After this payment was applied, I was not informed of any remaining past-due balance or that my account remained out of compliance. Approximately 1213 days later, on or about XXXX XXXX 2026, my vehicle was repossessed. Between XX/XX/XXXX and the repossession date, I did not receive any written notice, email, portal message, or voicemail stating that I was still out of compliance or that repossession would proceed despite the payment. After the repossession, I contacted Stellantis Financial Services. Representatives stated that multiple phone calls had been made to me prior to repossession. However, my caller ID and phone re cords do not show any calls identified as Stellantis Financial Services.…

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I am the lessee of a XXXX vehicle currently subject to XXXX active XXXX safety recalls involving fire risk and loss of power, including : A high-voltage battery fire risk that instructs the vehicle must be parked away from buildings and other vehicles A XXXX engine contamination defect that can cause engine failure, vehicle fires, and sudden loss of power These are not minor defects. They are manufacturer-acknowledged safety hazards that make the vehicle unsafe to operate and unsafe to store, and materially impair the vehicles use, safety, and value. Despite this, Stellantis Financial Services has refused to allow a no-fault lease termination or otherwise release me from my financial obligation for a vehicle that can not be safely used or stored.…

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On XX/XX/XXXX, I sent a written dispute to 1st Investors Financial Services regarding serious inaccuracies on my auto loan account ( Account No. XXXX ). The dispute addressed incorrect payment count, an unauthorized loan term extension, and an inflated loan balance. It has now been well over 30 days, and the company has not responded, provided documentation, or corrected the account, in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). What is incorrect? * The servicer reports only XXXX payments, when I have made XXXX payments : * XXXX payments at {$620.00} * XXXX payments at {$300.00} * XXXX payments at {$630.00} * My refinance agreement reflects a 49-month term beginning XX/XX/XXXX, yet the company reports a maturity date of XX/XX/XXXX, extending the loan by over 29 months without authorization or disclosure. * The reported balance of {$12000.00} is inaccurate.…

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I leased a vehicle in XX/XX/2025 and enrolled in ACH auto-pay at account setup. In XX/XX/2025, an ACH auto-pay attempt failed. I was never notified of the failed payment by email, phone, or timely mail, and I was not provided any opportunity to address the issue before negative credit reporting occurred. On XX/XX/2025, I first learned of the issue through third-party credit monitoring alerts indicating that I had been reported XXXX days late. This was the first notice of any kind. I immediately logged into my account and paid the balance in full the same day. I contacted the companys customer service department on XX/XX/2025. During that call, the representative confirmed that Stellantis Financial Services does not notify customers when an ACH auto-pay transaction fails and acknowledged that no communications are sent for this type of error. The representative reversed all late fees associated with the incident and opened a case regarding my experience, acknowledging the issue.…

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XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( as the financing entity relying on dealer submissions ) Complaint Summary I am submitting this complaint because I was deceived into becoming the sole borrower and titled owner of a vehicle without my knowledge or consent. I was presented as a co-signer only, but the dealership structured the transaction so that I became 100 % responsible for the loan, based on false information submitted by the dealer. Detailed Explanation of What Happened I agreed to assist XXXX XXXX XXXX XXXX by acting as a co-signer only on a vehicle purchase at XXXX XXXX XXXX. I was explicitly told by the dealer that the vehicle would be in XXXX XXXX name, and that my role was limited to supporting the loan.…

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To : Consumer Financial Protection Bureau Subject : Follow-Up on Existing Complaint Fraudulent Loan / Unauthorized Credit Application Complainant : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX : XXXX Email : XXXX Original Complaint Number : [ Insert Your Complaint Number ] Account / Contract Number : XXXX 1. Reason for Follow-Up I previously submitted a complaint regarding a fraudulent and unauthorized loan with Stellantis Financial Services . I am providing additional details and evidence for further investigation. 2. Updated Information / Evidence Unauthorized credit application : In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX created a credit application in my name without consent, falsifying my income ( $ XXXX ), employment, residence, and signature. I never authorized or signed it. Recorded calls with bank representatives : One stated : The dealership does not need documents to get approved on a car loan.…

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