Mercedes Benz Financial Services CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/14/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	MA 01841	Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RESCISSION OF CONTRACT / DISSOLUTION OF ALL AGREEMENTS / REVOCATION OF POWER ( S ) OF ATTORNEY IMPLIED AND/OR EXPRESSED, REVOCATION OF ALL TRUSTS/CONTRACTS IMPLIED AND/OR EXPRESSED INCLUDING ALL INITIALS, MARKS, ETC ON ALL CONTRACTS FOR CAUSE 12 CFR 226.23 ALSO TILA 226.23 APP'X. CONSUMER DECLARATIONS UNDER PENALTY OF PERJURY - ACTUAL AND CONSTRUCTIVE NOTICE - SELF-EXECUTING RESCISSION OF ALL SIGNATURES, DISSOLUTION OF ALL AGREEMENTS, REVOCATION OF ALL POWER ( S ) OF ATTORNEY, & RECISSION OF ALL CONTRACTS ATTENTION : NOTICE TO ALL AGENTS/ OWNERS OF MERCEDES-BENZ FINANCIAL SERVICES : XXXX XXXX XXXX XXXX-XXXX-AGENT, XXXX XXXXPRESIDENT XXXX XXXX XXXXVP XXXX MERCEDES-BENZ FINANCIAL SERVICES AND/OR ANY SUBSIDIARIES THEREOF I, XXXX XXXX XXXX XXXX XXXX XXXX the consumer/grantor, a living soul on the land until proven otherwise, do hereby rescind for cause my signature on all [ contracts ] instruments along with any and all power ( s ) of attorney for failure to disclose risks, perils, responsibilities, and for FRAUD committed by the seller MERCEDES-BENZ OF BURLINGTON against the consumer/grantor, as well as non-disclosure of material facts including but not limited to the fact that the PRINCIPAL, XXXX XXXX XXXX XXXX [ a legal fiction ] by and through the undersigned 's signature, extended the credit used to obtain the XXXX XXXX XXXX VIN # XXXX from the seller MERCEDES-BENZ OF BURLINGTON located at XXXX XXXX XXXX XXXX XXXX MA XXXX County XXXX Massachusetts.However XXXX XXXX XXXX XXXX themselves as both the creditor and seller. It was never disclosed to me that as the consumer/ grantor, the undersigned is in fact the true creditor per 15 USC 1692a ( 4 ). I, XXXX XXXX, XXXX XXXX the consumer/grantor for Principal XXXX XXXX XXXX XXXX [ legal fiction ] was also led to believe that XXXX XXXX XXXX was lending money to me for the lease of the XXXX XXXX XXXX VIN # XXXX which is to be paid over a period of 48 months in the amount of {$570.00} per month ; as stated in their written communication on the instrument/agreement. This is a violation of 15 USC 1692e ( a ) As well as the following : PUBLIC POLICY 73d CONGRESS. SESS. I. CHS. 48, 49. XX/XX/XXXX, XXXX, XXXX. Resolved by the Senate and House of Representatives of the Clauses in requiring gold, United States of America in Congress assembled, That every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public obligation policy ; and no such provision shall be " " `contained in or made with respect to any obligation hereafter incurred. Every obligation, to be made heretofore or hereafter incurred, whether or not any such provision is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law. VIOLATION OF FDCPA AND TILA MERCEDES-BENZ OF BURLINGTONs agents are also found in violation of Fair Debt Collection Practices Act for their failure to provide 2 copies of my rights of rescission ( 15 USC 1635 ) along with several other blatant omissions of material facts throughout the entire consumer transaction. This resulted in the subsequent fraudulent pilferage/obtainage of all my signatures executed in my natural and grantor capacities. It was also never disclosed to me that per the Truth in Lending Act, I as the consumer had the ability/option to settle the debt on behalf of the Principal/Obligor XXXX XXXX XXXX XXXX XXXX a legal fiction ] l at the time of the credit sale by way of the finance charge which is the cost of the consumers credit per CFR 12 226.4. VIOLATION OF 16 CFR 444.3 - UNFAIR OR DECEPTIVE COSIGNER PRACTICES The finance manager for Mercedes-benz of burlington, provided the consumer with paperwork which listed Mercedes-benz of burlingtonas seller and creditor. Your agents drew up paperwork which used deceptive language in the consumer credit application to obtain financing from MERCEDES-BENZ FINANCIAL SERVICES but no such finance was ever obtained by me as the creditor and original party to this transaction. I was then led to believe that I was the borrower when in fact I as the creditor per 15 USC 1692 ( a ) acted as cosigner for the financing received by the dealership. Furthermore, MERCEDES-BENZ OF BURLINGTONs agents did not disclose that upon I, the consumer providing the social security number ( credit card ) per the Truth in Lending Act 15 USC 1601 ( I ) the transaction was subject to 18 USC 8. Also the cardholder ( XXXX XXXX, XXXX XXXX XXXX also known as the consumer who is the ORIGINAL CREDITOR in the consumer credit transaction was not told that credit would be used by the dealership and the financial institution MERCEDES-BENZ FINANCIAL SERVICES to obtain funding from the federal reserve bank per ( 12 USC 1431 ) in the consumer 's name, and returned as a loan which constitutes identity theft. Nothing of value was paid, no consideration from dealership MERCEDES-BENZ OF BURLINGTON or its agents was provided to XXXX XXXX, XXXX XXXX : consumer on behalf of the Principal XXXX XXXX XXXX XXXX [ legal fiction ] Further Violations under Massachusetts Statutory Law XXXX XXXX finance manager for the seller MERCEDES-BENZ OF BURLINGTON, stated that Power of Attorney must be granted to MERCEDES-BENZ OF BURLINGTON in order to register my household good ( s ) with the STATE OF MASSACHUSETTS on my behalf for the purpose of license plates and DMV tags verifying registration of my private automobile.This is a direct violation of Massachusettes Statutory law which states the following : Since a sale of personal property is not required to be evidenced by any written instrument in order to be valid, it has been held in Massachusetts that there may be a transfer of title to an automobile without complying with the registration statute which requires a transfer and delivery of a certificate of title. N.C. Law Review Vol. 32 page 545, Carolina Discount Corp. v. Landis Motor Co., 190 N.C. 157. The following shall be exempt from the requirements of registration and the certificate of title : 1. ) Any such vehicle driven or moved upon the highway in conformance with the provisions of this Article relating to manufacturers, dealers, or nonresidents. 2. ) Any such vehicle which is driven or moved upon a highway only for the purpose of crossing such highway from one property to another. XXXX ( 1 ) ( 2 ) ( comment : not driven or moved upon the highway for transporting persons or property for profit. ) ( Case note to North Carolina G.S. 12-3 Statutory Construction ). It also further solidifies the deception as I later learned that by signing POA under duress as I was pressured to do so by her and my sales agent XXXX, that I am giving up all rights to my property which is how they would later have authority to repossess my private property if I failed to pay the monthly gift to the dealership that they deceptively term a car note They also failed to inform me that upon receiving my signature on the application which is a promissory note that the automobile would be paid in full. Instead they receive the benefits by taking POA and make me liable for a loan I would never actually receive! Violation of The Sherman ACT of 1890 and the Clayton ACT of XXXX Both Acts clearly prohibit and outlaw practices that are harmful to the consumer such as but not limited to, forcing the consumer into a monopoly. The STATE OF Massachusetts as confirmed by their D-U-N-S identification number XXXX is a private fictitious corporation operating as agent/agency under the UNITED STATES, a foreign entity based within the 10 mile radius of the District of Columbia. [ Acts of the Forty-first Congress, Section 34, Session III, chapters 61 and 62, ] MERCEDES-BENZ OF BURLINGTON has been found in violation of these acts by inducing me into fraudulently registering my household goods with the State, in which they too ( MERCEDES-BENZ OF BURLINGTON ) stand to profit from as outlined in the contract under fees. All these being evidence of a forced monopoly. Rescission Of Agreement/Contract Revocation Of Powers Of Attorney Therefore, without exception, any and all agreements, documents, and contracts between XX/XX/XXXX through the date of this Actual and Constructive Notice through to the date of my natural death, issued to me or the Principal XXXX XXXX XXXX XXXX [ legal fiction ], in all matters are considered void for failure to disclose information and because such lack of disclosure could otherwise result in long term financial damages to me as the consumer and further subject me to involuntary servitude which is a direct violation Thirteenth Amendment ( Amendment XIII ) to the United States Constitution. Slavery and involuntary servitude. Slavery is forever prohibited. Involuntary servitude, except as a punishment for crime whereof the parties have been adjudged guilty, is forever prohibited. All unconscionable contracts are subject to rescission under the common law as well Federal law as evidenced by 15 U.S. Code 1635 for failure to make the proper disclosures in order to constitute an acceptance. Where there is no meeting of the minds there is no contract as required by 226.23 ( b ) ( 1 ) regarding notice of right to rescind as set forth in re XXXX v. XXXX XXXX XXXX, 281 B.R. 101, ( XXXX ) ; XXXX. XXXX XXXX. The UCC addresses unconscionable in UCC 2-302. See UCC 2-106 I further cancel and revoke any and all Powers of Attorneys ( POA ), granted to MERCEDES-BENZ OF BURLINGTON located at XXXX XXXX XXXX, XXXX MA XXXX and all officers and agents the same to act on behalf of myself in my natural/grantor capacity or on behalf of the Principal, MIGUEL ANGEL AZOR KERY.. I also revoke and cancel all agreements or otherwise arising from any such signatures, all resulting agreements resulting from force, under threat of being denied access to One 's own credit among others, involuntary servitude, [ Thirteenth Amendment ( Amendment XIII ) U.S Constitution ] and peonage by adhesion contract, committed against myself. Furthermore, any agreements/adhesion contracts whether expressed, implied or otherwise are hereby revoked, canceled nunc pro tunc from XX/XX/XXXX to 100 years from today 's date. CONSUMER DECLARATION OF GRANTOR/SETTLOR STATUS CLAIM OF ALL SECURITY INTERESTS There has been no other claimant known to Affiant, and there NEVER will be any other claimant for the GRANTORSHIP, SETTLORSHIP/ SOLE BENEFICIARYSHIP of my CREDIT as the consumer nor the granted extension thereof. As the original party to this agreement I cancel any security interest obtained by operation of law in favor of MERCEDES-BENZ OF BURLINGTON and/or MERCEDES-BENZ FINANCIAL SERVICES on behalf of all parties involved in this agreement. This agreement shall be canceled as of the date stated in this said notice and shall be effective upon delivery to Mercedes-benz of Burlington and/or Mercedes-Benz Financial Services and all officers and agents the same. Furthermore as owner and beneficiary of the record I claim my security interest in my account and authorize all interest on this account to be released in full for ALL PRINCIPAL PAYMENTS in lawful money of the United States. YOU HAVE TEN ( 10 ) DAYS FROM THE SERVICE OF THIS NOTICE TO RETURN ALL PROPERTY GIVEN FOR FINANCING FOR ACTIVATION OF THIS ACCOUNT ON CREDIT. NOTE* Attached hereto is the ( The Vehicle Lease Agreement ) being returned back to you cancelled as of 08/13/2021 please update your records and send confirmation of my receipt of cancellation. CONSUMER NOTICE TO MERCEDES- BENZ OF BURLINGTON FOR VIOLATION OF PUBLIC LAW XXXX XXXX AND DEMAND FOR RETURN OF DOWNPAYMENT I AM FURTHER DEMANDING THAT THE DOWNPAYMENT OF XXXX XXXX XXXX XXXX AND XXXX WHICH WAS TAKEN BY FINANCE XXXX OF XXXX XXXX XXXX FOR THE XXXX XXXX XXXX XXXX VIN # XXXX BE RETURNED TO XXXX XXXX XXXX XXXX XXXX XXXX authorized representative /grantor ) VIA CERTIFIED CHECK ALONG WITH ANY ACCUMULATED INTEREST NO LATER THAN 10 DAYS FROM RECEIPT OF THIS NOTICE AS YOUR ORGANIZATION HAS BEEN FOUND IN VIOLATION OF PUBLIC LAW 93-321 142. Which states the following : No Advertising of downpayments and installments advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. CONSUMER DECLARATION UNDER PENALTY OF PERJURY I, XXXX XXXX, XXXX XXXX consumer/grantor hereby give declaration under penalty of perjury the following : I did not in the past, do not now, nor in the future intend and never do intend to purposely or otherwise avail myself to be held in economic and/or involuntary servitude, peonage, slavery, Trusteeship and/or opportunities offered. I, XXXX XXXX, XXXX XXXX the authorized representative and grantor/ sole beneficiary for and on behalf of XXXXIGUEL ANGEL AZOR KERY [ a legal fiction ] now affix my autograph & seal to these declarations under penalty of perjury : Consumer Rescission of Contract Revocations of Power ( s ) of Attorney, Revocations of all Trusts/Contracts Without Prejudice, Under Reserve 1-308 GrantorXXXX XXXX XXXX XXXX XXXX the house of XXXX XXXX This is the last time that I communicate with you by this means, of you not giving in to what I am asking you since I have evidence of every fraud and violation of the United States and State codes that you violate and continue to violate to take my case to federal court.
09/21/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	OH 44121	Web
On XX/XX/2022 I spoke with XXXX and XXXX XXXX I asked XXXX about my denied application and she refused to talk to me or discuss anything that I wanted to talk about. I asked for her to transfer me to someone who could talk to me, and she said the only the way that they would respond was in writing, stating that she sent me a letter of adverse action which I received. However it doesnt discuss any disputes of the denial or any statements in my last complaint. In fact the letter is proof of all of the violations in my last complaint As attached below the letter states We can not provide credit to you on the terms you requested. I have not requested any terms other than no down payment but instead charge all charges to the finance charge. They stated there was a finance charge and that they were in compliance with truth and lending. so why havent i been given the vehicle i paid for? In accordance with my last complaint, a finance charge covers ALL charges and that it does not include charges of a type payable in a cash transaction. So why was I charged a XXXX downpayment? It is illegal to charge a downpayment in a consumer credit transaction according to the FDIC 15 USC 1662. The letter also stated we generally sale or lease vehicles on credit only. If a third-party like a bank or finance company will agree to buy the contract from us on terms that are financially acceptable to us. This is proof that they have furnished me with a deceptive form creating the belief that there is a debt that i would owe Legal definition of debt means that there is a credit liability owed to me ( which there now is ) The application they provided me is really a financial asset ( promissory note, which is a form of payment ) that they have made me sign, unknowingly giving them my permission to access my assets from XXXX XXXX que trust account with the US Treasury Then after telling me that my application was denied, They sell the securities & promissory note to the secondary market. My signature on the deceiving application granted them the right to purchase my assets on my credit. They are now obligated to repay me the credit liability. I am the grantor of the trust and they are supposed to be the agent ( trustee ) Who execute my transaction but instead of doing that they have deceived me and withheld me from the receipt of my transaction/trade for my benefit. Then had the nerve to sell it for their benefit. This is clearly a pawn transaction according to law that they have willingly and knowingly deceived me into signing and then refused to give me the car that I paid for simply because I didnt want to put a down payment which is clearly ILLEGAL in a transaction that uses consumers credit UNLESS they charge the SAME down payment to EVERY customer! They clearly do not charge a $ XXXX downpayment to EVERY customer/consumer. As shown below their letter states that they generally seller leaves vehicles on credit only According to the law 12 CFR S 1002.2 Credit means The right granted by a creditor to an applicant to deferred payment of a debt, incur debt and defer its payment, or purchase property or services and defer payment therefore. In broader terms credit means ; the creditors decision to delay payment of a financial obligation, become liable to the delayed financial obligation and delay payment, OR purchase property or services and delay payment thus-for. This means that the creditor passes their debt down to you while withholding payment on their debt. Then they make you sign a deceiving application ( promissory note; turned into monies after signing ) giving them your authorization to access your assets. ( XXXX XXXX trust ) This is why they ask for the Social Security number in my signature and also failed to disclose what a finance charge is required by law. I, XXXX : XXXX XXXX did NOT authorize upsell. Promissory note- promise to deposit of monies signed by the marker ( consumer ) According to the FDIC Adverse action is when the applicant applied IN ACCORDANCE with the creditors procedures, A refusal to refinance or extend the term of a business or other loan is adverse action. Applicant- request to assume loan if a mortgagor sales or transfer is the mortgaged property and the buyer makes an application to the creditor to assume the mortgage loan the mortgagee must treat the buyer as an applicant unless its policy is not to permit assumptions. this means that the creditor is requesting me to assume their loan. It is unlawful to request assumption of a loan in a deceiving way. They stated the factoring decisions to deny me a extension of my own credit was that I didnt want to put down the XXXX down payment & that my credit score had no comp or auto installment loan. However those are factors but NOT Deciding Factors! Why was I charged a XXXX down payment when all other applicants have not been charged that SAME AMOUNT? That is illegal. According to the FDIC procedures used states The term procedures refers to the actual practices followed by a creditor for making credit decisions as well as its stated application procedures for example if a creditor stated policy is to require all applications to be in writing on the creditors application form, but the creditor also makes credit decisions based on oral request, The creditors procedures are to except both oral and written application. Legally they have to have procedures that charge the same down payment to every customer! So why do I have to pay a XXXX down payment if everyone else has not paid that same amount but on top of me not paying a down payment the finance charge covers everything so there is nothing for me to pay as everything has already been paid for with my signature on the deceiving application ( promissory note ) Also according to the IRS Exempt transactions states The law exams some transactions from being prohibited transactions. For example, if you are a disqualified person and receive any benefit to which you are entitled as a plan participant or beneficiary ( such as a participant loan ), this is not considered a prohibited transaction. However, the benefit must be ON THE SAME TERMS AS FOR ALL OTHER PARTICIPANTS AND BENEFICIARIES. I am the beneficiary and I have not received my benefit they, the fiduciaries/creditor, have acted only in THEIR best interest ( upselling and stealing my assets from my Cestui que trust ) and then refused to give me the benefit that I participated for!! This is also a prohibited transaction according to 26 USC S 4975 prohibited transaction states General rule for purposes of this section, the term prohibited transaction means any direct or indirect sale or exchange, or leasing, of any property between a plan and a disqualified person lending of money or other extension of credit between a plan and a disqualify person furnishing of goods services or facilities between a plan and a disqualify person transferred to or use by or for the benefit of a disqualify percent of the income or assets of a plant act by a disqualified person who is a fiduciary whereby he deals with the income or assets of a plan in his own interest or for his own account or receipt of any consideration for his own personal account by any disqualify person who is a fiduciary from any party dealing with the plan in connection with a transaction involving the income or assets of the plan. When I signed the promissory note/deceiving application they accepted a fiduciary obligation ( contract ) acting as my Trustee of the trust. Because they excepted the application they are supposed to do what is in the beneficiaries best interest but instead they have deceived me and did the exact opposite- acting in only their best interest. This complaint has been sent to congress AND to the US Dept. Of Treasury. They will confirm that XXXX XXXX has accessed my assets.
09/17/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	OH 44121	Web
To CEO/person of highest Authorities, On XXXX XXXX at around XXXX I, XXXX XXXX, XXXX natural person & consumer ) went to Mercedes-Benz in XXXX XXXX Ohio in desperate need to get a car. I picked out the car that Ive been wanting for a very long time. I was very excited and hope that I would walk out the dealership with my brand new car however I was unable to do that due to the creditors and dealerships bad business practices. I filled out an application for a loan, before running my credit I told them that I wanted to do no down payment and that my credit wasnt good. They decided to run my credit anyways hurting my credit score. Upon application I gave them my Social Security number and my signature. Also upon my application they did not disclose any information or documents that they were supposed to disclose according to the law. I proceeded to ask them was there a finance charge they told me yes, some banks require a finance charge and some dont, Mercedes-Benz Requires a finance charge. I then proceeded to ask them are they in compliance with Truth in lending. They responded yes to that as well. Knowing that they were in compliance with the truth in lending act ( or so they said ) I was so excited and went ahead and test drove my chosen vehicle. However when I got back to the dealership they told me that my application has been approved with a {$40000.00} down payment. I asked them how is it possible that I can be denied my own extension of credit and/or how is it possible that I am required to put a down payment on my own extension of credit they were confused as to what I was talking about I then explain that I am aware of all rights that I have as a natural person and consumer. I explain to them the loss and the violations that they have violated with their bad business practices. I they acted as if I didnt know what I was talking about and had me talk to several different people. They told me that they could not discuss any laws and to consult a power of attorney. They then acted as if they had their own power of attorney which turned out to be just a supervisor/manager NOT A ATTORNEY. I asked him if he was an attorney he proceeded to lie to me knowing that he is not a attorney nor has the knowledge of an attorney. I then explain to him that is not possible for me to LEGALLY be denied my own extension of credit from my XXXX XXXX trust. I explain to them that I gave them authorization with my Social Security number and my signature to go inside of my XXXX XXXX trust and take the payment for the vehicle. ( Which the bank did ) however they stated that they did not do that and I told them that they may not do that but IN FACT the bank ( Mercedes-Benz ) does!! I also told them that they did not disclose to me what a finance charge is which is required by law. The only thing that he could say was OK I showed him the penalties for violations of the law and he said OK. The person I spoke to is XXXX ( the person who lied about being an attorney ) XXXX ( the financial manager ) and a couple of other people whose names i dont remember. I let them know that I will be submitting these complaints and that they should revise their decision before it gets bad for them. They said Ok. I didnt ask for the original document showing that I was approved with a {$40000.00} down payment they didnt give me a fraudulent document that they changed after my approval only showing that I was rejected when in fact I was approved with a {$40000.00} down payment. I told him that I knew that that was not the original document and they said OK but refused to give me the original document. my application was denied/approved with XXXX downpayment due to credit issues. How is it possible that I can be denied my own extension of credit? According to 15 U.S. Code 8 1605 - " Determination of finance '' States... ( See attachment A ) ... How could my application have been denied if my signature on my application for credit is payment of the debt? They can not deny me an extension of my own credit. According to 15 USC 1666d " Treatment of credit balances '' States " Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditorin excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall- ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. The creditor has furnished me with deceptive forms creating a false belief to i, XXXX XXXX, Consumer and natural person, that i have to pay that i have to pay this debt twice ( Again ) after already paying with my signature on the loan application. They have denied my application for an extension of my own credit And then went and took my signature as authorization to take the money out of my XXXX XXXX Trust. this is why they ask for the social security number and my signature, this is clearly fraud and theft!! According to 18 U.S. Code S 8- Obligation or other security of the United States defined '' States... ( See Attachment B ). They have refused to give me what i paid for. And according to the law they can not deny me an extension of my own credit from MY XXXX XXXX trust. Also they have failed to provide me and disclose to me the XXXX form required by TILA & the law. Separately upon my application. Form ; 15 U.S. Code {$1600.00} - " Determination of finance charge '' Mercedes-Benz ( the creditor/the bank ) and Mercedes-Benz ( the dealership ) also willingly and knowingly gave false and misleading/inaccurate information regarding my loan/loan application. They stated they do a finance charge and are in compliance with Truth in lending, but clearly they are not. I do not wish to pay this debt twice. Mercedes-benz ( the bank ) has 2 choices. Refund me all payment paid with my signature & ssi AND face charges of {$5000.00} per violation ( {$97000.00} ) AND/OR Give me the vehicle that I've applied for. See all attachments for proof of laws and accuracies in my natural person consumer complaint. This complaint will also be given to FTC, attorney General, and Congress. ( I know way way way way more than you think i know! I am not just a pretty young girl. Test my knowledge and you will find out and it will turn out very bad for you ) ( As u can see in the credit decision person XXXX XXXX is the one who rejected/approved with a XXXX down payment. XXXX XXXX is the financial manager. ) Kind Regards, XXXX : XXXX UCC1 308.4 Without prejudice/recourse
10/17/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33139	Web
I am filing this claim with the hope that you can help me end a very stressful, egregious, and fraudulent run around that I have been enduring for over four XXXX XXXX XXXX months from Mercedes Benz Financial ( MBF ), Mercedes Benz USA ( XXXX ), Mercedes Benz XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX A car that I purchased from XXXX on XXXX XX/XX/2022 broke down on me on XXXX XX/XX/2022 ( less than a month after having it ) while I was in XXXX XXXX with XXXX XXXX XXXX XXXX children in the car with me. The dashboard went dark and the top would not go back up. It was over 90 degrees and we were stuck sitting in the hot XXXX Florida sun with no protection/covering for hours. Mercedes has now had the car for over 4 months, has not repaired it, and has not provided me with a loaner car or any alternative transportation. YET, they continue to charge me for the car that I have not had for over 4 months. And to make matters even worse, THEY HAVE REPORTED ME DELINQUENT TO THE CREDIT AGENCIES FOR PAYMENTS ON A CAR THAT THEY HAVE HAD IN THEIR POSSESSION FOR OVER 4 MONTHS. IN ADDITION, THEY HAVE NEVER SENT ME A SINGLE BILL, DESPITE ME GIVING THEM MY CORRECT ADDRESS MORE THAN FOUR ( 4 ) TIMES SINCE MAY WHEN I GOT THE CAR. Apparently, the XXXX sales representative had not put my apartment number on the paperwork even though I gave it to him at the time of the sale. I have called XXXX several times over the past 4 months and given them my full address, including my apartment number. I have documented each time I called. YET, THEY DID NOT SEND ME A BILL FROM XXXX TO XXXX. So, even if I wanted to pay for a car that they have had in their possession, I had not received a single bill to know where and when payment should be sent. THIS IS IN VIOLATION OF THE FAIR CREDIT AND REPORTING ACT. The first statement XXXX finally sent me was in XX/XX/2022. At that point, they had reported me as delinquent to the credit agencies for a couple of months. Mind you, I spoke to XXXX and XXXX in XXXX ( and XXXX ), informing them that the dealership had the vehicle since XXXX XXXX. They told me that they would not report anything to the credit agencies while the car was being repaired and in the possession of the dealership. Despite having called all of these Mercedes organizations several times and even going back to the XXXX dealership, escalating to the general manager, filing a complaint with XXXX and the XXXX XXXX XXXX and informing XXXX that I have not had the car for over 4 months, no one at Mercedes has resolved the problem that I am being charged for a vehicle that I do not have. They hide behind the corporate veil, stating that they are all separate entities and can not control what the other entity does or does not do. They acknowledge that I have not had the car or services that I contracted to but insist that I have to pay for a car that I have not had and that has been in their possession for over 4 months. At this rate, they could just hold on to the car indefinitely and force me to pay for something I do not have. This is egregious! FROM THE DAY THE CAR BROKE DOWN ( XXXX XX/XX/2022 ), I HAVE REPEATEDLY REQUESTED THAT THE CONTRACT BE CANCELED, MY DEPOSIT BE RETURNED, AND THE CAR NOTE BE REMOVED FROM MY CREDIT REPORT because the car should not have broken down less than a month after having it. Moreover, the service manager at XXXX told me that the car has a defect and that XXXX knew this at the time they sold the car to me and that XXXX should have fixed the defect prior to selling the car to me. I have this conversation recorded. When the car broke down, I called the sales rep at XXXX who sold the car to me and he said to me : What do you want me to do? Go to mechanic school? I am not a mechanic. Naturally, I was quite taken aback by his response, but needed to stay focused on getting assistance for the kids and me. So, I asked him who I should call and he said XXXX XXXX Assistance XXXX I asked for the number. He said he did it have it ; that I should hit the SOS button in the car. Mind you, I told him several times that I had two children with me and we were stranded in the hot sun. I hit the SOS button to reach XXXX XXXX assistance and waited over an hour on the phone before a representative came on. He transferred me to Customer Care and hangs up before a person came on. A message comes on that says Customer Care is closed. So, I called back again and I had to wait another 45 minutes before someone finally came on the phone. During this time, the heat was so extreme that I started to faint, and XXXX XXXX XXXX XXXX had to come to attend to me. I am obtaining the report of this incident from XXXX XXXX XXXX. Once the tow truck came, I was told that my car needed to be brought to XXXX since the top would not go up and XXXX does not have a covering, but XXXX does. No one from XXXX called me for days after the car was towed. I had to reach out to them, and when I did, they said they did not know where the vehicle was. Finally, four days later, the service person at XXXX XXXX XXXX XXXX reached out to me and told me about the defect and that it was not under warranty, and that they were having difficulty getting XXXX XXXX to take the car back. The XXXX XXXX dealership has also lied several times to the XXXX XXXX XXXX and me, saying they had not heard from me in weeks. I called them and XXXX XXXX numerous times after the car was towed. I even went to the XXXX XXXX dealership on Saturday, XXXX of XXXX to get my purchase paperwork because when I looked in the folder that the sales representative had given to me, I did not find my purchase documents. Instead, I found the recall papers that show the car had been recalled less than two ( 2 ) months prior to them selling the car to me. The sales rep never told me about the recall and did not provide me with the car fax report or any proper paperwork. Also, when I went to the XXXX XXXX dealership on the XXXX of XXXX, they still did not have the car ; they said they had to locate the car, but believed it was still at the XXXX XXXX dealership. At this point, over four ( 4 ) months later, I do not want to deal with these XXXX XXXX dealerships, as they have been unprofessional, deceitful, and unethical. As you will see, there have been over 160 complaints about the XXXX XXXX dealership in one year and over 300 in three years with the XXXXXXXX XXXX XXXX. They engage in deceptive practices and should not be licensed to do business in Florida or anywhere. I do not want that vehicle because it should not have broken down on me less than a month of having it, and I also do not trust any so call repair that the dealer purports to make given the deceptive practices that they have engaged in.
04/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60622	Web
Mercedes-Benz Financial Services USA LLC ( MBFS ) has knowingly reported to credited agencies, including XXXX, erroneous information about my payment and credit history, including a negative payment rating. Although I made full and complete payment and MBFS had at that time on XX/XX/2020 agreed I was in compliance with their payment demands and not untimely with my payments and MBFS would not make any negative report to any credit reporting agency, MBFS did, without my knowledge, falsely report negative payment and credit history concerning my account. When I discovered my credit score dropping in XX/XX/2020 I requested a free report from XXXX. I discovered the false reporting by MBFS. On or about XX/XX/2020, I filed a dispute with XXXX and contacted MBFS disputing its negative payment rating. During that communication with MBFS, representative XXXX XXXX admitted MBFS erroneously reported negative history concerning my account to credit reporting agencies and volunteered that MBFS was aware that it had made the error with my account and the accounts of other customers. I advised Ms. XXXX I had filed a dispute with XXXX. I requested MBFS immediately cause its negative report to be removed from credit reporting agencies. I also asked Ms. XXXX to email me, as we spoke, written confirmation from MBFS documenting MBFS 's error and correction of its erroneous reporting to credit agencies. Though she had previously sent me emails, Mr. XXXX said she could not send me an email. Ms. XXXX offered to cause the letter I requested to be sent by email and US Mail that day, after our call. I trusted MBFS would do as it said. MBFS did not. I allowed a number of business days to pass while awaiting MBFS 's written communication and for XXXX to resolve the dispute. Believing I had waited ample time for MBFS 's letter to have arrived, still not having received it, I again contacted MBFS on or about XX/XX/XXXX. On that date, Ms. XXXX had no explanation for why I had not received the letter in any form. She repeatedly advised me to contact XXXX to resolve MBFS 's erroneous reporting. I advised Ms. XXXX that XXXX still reflected the dispute as under investigation. I again requested the written confirmation from MBFS as detailed above. Ms. XXXX required I hold for many minutes while she told me she was communicating with some other ( credit? ) department at MBFS. She returned to the line, telling me she could not reach anyone in that department. She offered to call me back before the end of the business day to advise me when I would receive the written confirmation. When she called later that day, she advised she had still not been successful in communicating with MBFS credit department, that she ( or her supervisor, later identified as XXXX XXXX ) had marked the matter urgent, and that Ms. XXXX would contact me the following day to update me on when I would receive the written confirmation. I accepted her offer ; I asked that, in the event I was unable to pick up her calls, she should leave me a detailed voicemail. Thereafter, I received no call or message from Ms. XXXX or anyone else from MBFS. On XX/XX/XXXX, I opened an email communication from XXXX reporting the results of its investigation and communication with MBFS. XXXX advised the negative payment rating by MBFS will remain because MBFS continued to erroneously advise XXXX the negative payment rating was accurate. XXXX XXXX conclusion stated : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Nonetheless, MFBS knew at the time it originally reported the negative payment rating and at the time it responded to my dispute via XXXX that the negative payment rating was inaccurate and made due to MBFS 's error. I called MBFS again. I spoke with representative XXXX/XXXX and explained the situation. I again requested the written communication documenting MBFS 's error and correction be sent to me as we spoke and that MBFS immediately report accurate information to credit reporting agencies. After asking that I hold, the representative connected me to her supervisor XXXX XXXX. I asked that Mr. XXXX email me while we spoke the written confirmation of MBFS 's error. He did so. That letter is attached to this complaint. He agreed MBFS made an error and that it should not have ever reported a negative payment rating to credit reporting agencies. I asked that he have the negative flag removed immediately. He said he was not authorized by MBFS to communicate with credit reporting agencies, that was some other department 's responsibility. He told me he had to contact still another MBFS employee, whom he would have call me. I have still not received any additional communication from MBFS. I again contacted XXXX. I submitted to XXXXXXXX the MBFS XX/XX/2020 XXXX XXXX emailed to me, dated XX/XX/2020, stating, " Mercedes-Benz Financial Services USA LLC ( MBFS ) is in receipt of your dispute. We have completed our investigation and determined an error was made in reporting your credit history. We have submitted an update to the following credit bureau ( s ) : XXXX XXXX XXXXXXXX The details of the update we submitted are as follows : Removal of negative payment rating As this update may not show immediately, please keep this letter for your records. We understand the importance of accurate reporting, and sincerely apologize for any inconvenience experienced as a result of this error. Should you need additional assistance, please contact Client Services at ( XXXX ) XXXX. Sincerely, Credit Dispute Specialist Mercedes-Benz Financial Services '' I then called XXXX In short, Representative XXXX told me there was nothing he could do ; MBFS continued to report to XXXX during its investigation that the negative payment rating was accurate. I asked XXXX what I could do to correct my credit, in light of the fact that MBFS continues to make false reports concerning my account and credit history. XXXX told me all he could " recommend '' was for me to contact MBFS. I repeated to him that I had done so ; MBFS had consistently admitted its error to me, yet continued to this day to make false reports to the credit reporting agencies. After more insistence and inquiries from me, XXXX commented the FTC governs/regulates these situations. The FTC website directed me to the CFPB.
06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33071	Web
Dear Sir or Madam, 1. MERCEDES-BENZ FINANCIAL Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with MERCEDES BENZ FINANCIAL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection XXXX a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
07/18/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	FL 337XX	Web
Formal Complaint for Mercedes Benz of XXXX including General Manager XXXX XXXX, Sales Associate XXXX XXXX and Company Accountant Manager XXXX XXXX for running my credit without my permission ; performing a duplicate application without my knowledge despite presenting my approval letter from XXXX XXXX XXXX ; forging my income to produce a denial letter so they can use their in-house financing ; not disclosing the change in financing ; and trespassing on my property. Below is the account of event that took place Tuesday XX/XX/XXXX - Reached out to Mercedes Benz XXXX XXXX about a XXXX XXXX vehicle and got a confirmation that the vehicle is available - Applied to XXXX XXXX XXXX and XXXX XXXX for auto loan. - Get approved by XXXX XXXX XXXXXXXX and XXXX XXXX, called XXXX XXXX XXXXXXXX for confirmation about Mercedes Benz XXXX XXXX being an authorized dealer, got the green light to proceed with car purchase. - Arrived at Mercedes Benz XXXX XXXX, the sales associate XXXX XXXX handled all transaction before transferring me to the account manager - XXXX XXXX- to sign the paperwork. - I gave XXXX XXXX my approval letter from XXXX XXXX XXXXXXXX and my current car insurance. He proceeded to ask me other questions to establish identity and register me with Mercedes XXXX app questions included my social security number, work address, work number, etc he said it was just standard procedure. - After answering all questions, XXXX XXXX went into the account department with my XXXX XXXX XXXX auto loan approval letter, after some minutes, the account manager XXXX XXXX came out and notified me that he was ready for me to finalize all paperwork. - XXXX XXXX asked me to sign the papers, he never mentioned any financing swap or loan decline. I got to the last page and noticed that the interest rate was higher than what XXXX XXXX XXXX quoted, I asked XXXX about it and he said Welcome to XXXX that the rate just went up. I got out of his office and back to meet with the sales associate XXXX XXXX, I asked XXXX what financing was used, XXXX assured me it was the XXXX XXXXXXXX XXXX auto loan I presented. I asked that he confirms with XXXX, XXXX goes into XXXX office to confirm what financing was used, comes out to tell me it was Mercedes Benz financing. I asked why they did not use my XXXX XXXX XXXX loan I came with, XXXX said XXXX notified him that the auto loan I presented got denied. - It was past XXXX when all these events occurred, I left the dealership as they were still detailing the car. - I called XXXX XXXX XXXXXXXX when I got home to figure out why I got denied as I have called them initially before proceeding to reach out to Mercedes Benz about the vehicle purchase, XXXX XXXXXXXX XXXX said I was not denied any auto loan, but rather, Mercedes Benz applied for another auto loan on my behalf which was a duplicate application and the annual income was forged too low to even qualify for any auto loan. - Mercedes Benz was already closed for the day when I found about this information and discrepancy from XXXX XXXX XXXX so I waited to call them as soon as they open the next day. Wednesday XX/XX/XXXXXXXX XXXX XXXX XXXX as soon as Mercedes Benz opened, I called to notify them that I am no longer interested in the vehicle or doing any business with them. - I was in work meetings all day, so my husband XXXX XXXX on my behalf, also contacted XXXX XXXX that we will not be needed the vehicle anymore - XXXX told my husband that I would need to come in person to cancel the order and sign a release. Thursday XX/XX/XXXX - Around XXXX after work, I went to Mercedes Benz to sign the release, I met with XXXX XXXX that kept on telling me that I must take the car. XXXX mentioned that the General Manager and their legal team got involved that I must take the car. I told XXXX about the discrepancy with XXXX XXXX XXXX financing, XXXX denied any knowledge about the forged income or any discrepancy so I proceeded to call XXXX XXXX XXXX and put them on speakers. XXXX XXXX XXXX XXXX proceeded to tell XXXX that they should never have ran my credit or submitted another application for me, everything has already been done and confirmed from mine and the banks end, the only thing Mercedes Benz needed to do was to follow the instructions at the approval letter to complete purchase. - XXXX kept on saying it doesnt matter anymore and I needed to take the car anyway. I kept saying that I do not need the car as I am no longer interested in doing business with them and I left. Friday XX/XX/XXXX - Got a text from XXXX in the morning asking if I still need the car, I said again that I do not need the car and is not interested in it - In the evening, a package delivery associate while delivering a package noticed some car keys on the floor and told me I forgot my keys, I went out to the front of the house to see the keys and noticed a Mercedes Benz XXXX parked in my driveway. Someone from Mercedes Benz had trespassed my property, driven the vehicle into my driveway and threw the keys on the floor. - I called Mercedes Benz to speak with their customer care as there was no response from XXXX XXXX after calling and texting. - I got a call from the Accountant XXXX, I kept emphasizing that I do not want the car but he kept on saying that I would need to keep the car regardless whether I like it or not. Saturday XX/XX/XXXX - Got a call from the General Manager XXXX XXXX, I explained everything to him, he said, as with everybody else, that there is nothing to be done except I sell the car back to Mercedes Benz which will result in a negative balance of {$5300.00} that I would need to pay to get this resolved. Monday XX/XX/XXXX- I sent an email to General Manager XXXX XXXX declining he resolution presented as I am not paying {$5300.00} for the contemptuous service and fraudulent activities that Mercedes Benz XXXX XXXX orchestrated throughout the entire transaction.
11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33064	Web
1. MB FINANCIAL SERVICES Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. I immediately disputed this information with MB FINANCIAL SERVICES and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	WA 981XX	Web
I first asked the CFPB to help me remove this same Mercedes Benz ( MBFS ) account two months ago in complaint XXXX. I alleged that XXXX since XXXX of XXXX has allowed MBFS to change the first date of delinquency and as a result reage the account. That complaint was forwarded to XXXX and they responded asking for more time to investigate and verify the incorrect information on my report for MBFS. THE CFPB closed the complaint and XXXX did nothing to remedy the incorrect information reported or its reaging of the MBFS account. The account right now shows as closed on my XXXX credit report but it continues to contain negative information including a charge off and past due balance of over {$27000.00}. The first date of delinquency is listed as XX/XX/XXXX and it's this date that MBFS changed in XX/XX/XXXX from XX/XX/XXXX and its the heart of my reaging allegations against both XXXX and MBFS. I have attached 5 separate reports to this complaint. The first XXXX report is dated in XX/XX/XXXX and it shows the XX/XX/XXXX as the first delinquency date as being reported since it first appeared. Next is a XX/XX/XXXX Annual Credit Report showing that in XX/XX/XXXX the XX/XX/XXXX date was first reported and there is no reference to the XX/XX/XXXX date. Next are three reports XXXX, XXXX and the latest report XX/XX/XXXX all showing the reaging and specifically that in XX/XX/XXXX the first date of delinquency changed from XX/XX/XXXX to XX/XX/XXXX. My last complaint also laid out the timeline as follows : My first missed payment was XX/XX/XXXX. I have my XXXX XXXX statements and records showing auto payments made every month since the car lease started ending in XX/XX/XXXX. I've included those as well as attachments labeled MBFS. Due to a personal matter that coincided with that month I can assure you that no additional payments were made and the car was repossessed weeks later. It's well-established that late or missed payments, chargeoffs, and repossessions can remain on a consumers for seven years and that the seven years begins with date of first missed payment. Often times that date is unclear because there is incomplete or no records for the reporting agency to go by. That is not the case here as I have my XXXX XXXX records and monthly statements from XXXX which show that my auto payments taken out each month on the XXXX stopped in XX/XX/XXXX and my first missed payment was XX/XX/XXXX. My credit report contained the first delinquency date of XX/XX/XXXX at all times over the past few years but that changed XXXX of XXXX which coincides with when I first reached out to XXXX on the account. Since XX/XX/XXXX the first date of delinquency has been listed incorrectly as XX/XX/XXXX ( the same date listed for the chargeoff and date of first major delinquency. ) The XX/XX/XXXX date has vanished and even though that date is incorrect based on my records which show my first missed payment was XX/XX/XXXX it would still be more than seven years old if the reaging didn't occur. After receiving the most recent report from XXXX verifying the incorrect info once again, I called MBFS and spoke to three employees in their collections department on XX/XX/XXXX. None of the employees could tell me when my last payment was which only matters because I learned that their system didn't contain that information or when my first missed payment occurred, the balances on any date, or what my monthly payment was any of the months that I leased the car in question. They didn't try to deny their inability to verify anything substantive relative to my account since they had a new system and the system didn't go back that far. Their system only indicated for my account a charge off date of XX/XX/XXXX. The most senior of the three employees told me that this date was all that mattered since my date of delinquency is the same as the charge off date. He incorrectly told me that I was wrong in believing that the seven years that negative information can remain on my account begins on the first miss payment date and even though he has no way of knowing when my first missed payment occurred its not relevant anyway. In short, MBFS employees confirmed what I have known all along. XXXX can verify my name and the account with MBFS but that is all they can verify. In all my letters and all my calls and the prior CFPB complaint I've consistently said the account is old and must be removed and provided them with the records showing my first payment date correctly being XX/XX/XXXX. Their reinvestigations are a farce. If they do exist they are ineffective since MBFS admits they do not know when my first missed payment occured. The reaging is evident with the documents showing the date change from XX/XX/XXXX TO XX/XX/XXXX in XX/XX/XXXX. I have filed six disputes with XXXX on this account and written them more than 10 letters and called them over 30 times on this account. I have told them about a small business loan of mine that has been denied and that I was forced to move apartments when the property management company started using XXXX as a credit bureau XXXX XXXX. I have over XXXX XXXX XXXX with XXXX and XXXX but much lower on XXXX. The amount of effort and time I've spent on this is extraordinary all an attempt to have something removed by the only entity they can remove it but yet it remains This Mercedes account and the XXXX student loan account that are both over 7 years old are the only two derogatory accounts to my name.
09/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 01844	Web
During my three year lease with Mercedes Benz I had ample number of issues which ironically I contacted the AG to help with consumer protection. ( XXXX XXXX ) I am now having issues with the end of my lease payment and how they are reporting it, which has recently affected my credit score by decreasing it 67 points as of XX/XX/2020!!!!!!! When I initially received the end of lease payment bill, there was NEVER an issue with actually paying. I had asked them several times to simply take off the " Property Tax '' that was incorrectly added to the statement. I should have never been charged the full amount. It should have been prorated. ( I called my town clerk and was advised what to do ) Several representatives had told me, I should just pay it and get the abatement myself and just wait for the credit. I did not accept this answer. This was them wanting to take shortcuts and not do their job to the full potential. We then agreed that THEY would file for the abatement. Once received they would send me an updated copy for my own personal records and I WOULD mail in the CORRECT AMOUNT. Months had gone by and all I received was harassing phone calls to pay the INCORRECT amount. I stated repeatedly clearly and concisely " There has been an agreement in place for your company to file for abatement, send me an updated bill for my own records therefore I am aware of what I am paying and I will pay the correct amount once I have proper documentation '' I was told okay every time. The final time I received a call I asked to speak to a manager out of frustration due to the fact it was clear people were not reading any notes on my file. When speaking to the manager we agreed that with all the troubles I had, whether it was customer service issues or mechanical throughout the three years ( Engine being replaced ) or being told the tires were okay when turning lease in, but then surprisingly being charged for it, she would be taking off 20 % off the end of the lease bill ( Payment Reduction ). The one thing I asked of her was to again, send me proper documentation in the mail for my own personal records so I know EXACTLY what i'm paying. I thought this was very kind of her. Fast forward to XX/XX/2020. The information I had asked for 7 times had never come and I now have been sent to collections. I have received numerous calls from XXXX XXXX XXXX and I have simply tried to explain everything to them. Mercedes sent over the ORIGINAL amount due, not the amount it should be after all my conversations. It has been a battle of pointing fingers. Mercedes says it's now up to XXXX, but XXXX says Mercedes has to be the one to correct the bill to the agreed details. XXXX ( XXXX XXXX ) was finally able to fix the amount but told me it would be considered " Settled '' not a " Payment Reduction '' and strongly advised to talk to Mercedes to get this fixed. He said " You definitely are in a terrible situation and drew the short stick because how it may be reported to credit agencies '' With never having any issues with my credit, I then called and spoke to XXXX who was very unprofessional, and just cold hearted. I explained everything to him, spent a total of about 3 hours overall trying to get this resolved but unfortunately he claimed he could not change the wording from " SETTLED '' to " PAYMENT REDUCTION '' Which it should properly be!!!!!!! I then spoke to XXXX XXXX again, and we decided that it wasn't right, it was totally unacceptable and that if it was going to be classified as " Settled '' then he could try to lower the bill even more. XXXX lowered the bill and I paid the amount I was informed to pay on XX/XX/2020. Checking my credit report to make sure the account was closed after submitting my payment, I again had to call Mercedes because they applied my check payment to the wrong account and not mine! Another mistake. After everything had been applied correctly they told me it would take a couple weeks to reflect but to monitor it. On XX/XX/2020 I received an email that my credit had dropped significantly ( 67 points ). I logged into my account to take a look, and because of how Mercedes decided to word it, it displays as " Settled for less than legal amount '' COMPLETELY UNACCEPTABLE. This is such unprofessional behavior by a renown company. They should be ashamed of themselves for affecting customers like this not only now during a pandemic, but for the next 7 years. This representative that the XXXX XXXX XXXX has been interacting with has proven to be incompetent and I believe she has not done her due diligence in listening to calls properly. I was told my tires were fine when turning in my car, but then I was surprisingly charged. The tires and along with all the other issues I had, the supervisor offered 20 % off of my final bill, bringing it to around XXXX XXXX This was all documented and verified by many representatives especially another supervisor XXXX in financial services. However, now that third party is involved this incompetent manager says theres nothing. Very fraudulent and very suspicious behavior by either the company or more importantly this incompetent manager XXXX, maybe both! Their slogan is " The Best Or Nothing '' I got nothing. Nothing but incompitent behavior, rude personnel, 6 mechanical issues in my first year and many more in the remaining 2. This is false advertisement and they should change their slogan. ABSOLUTELY XXXX. Account Number : XXXX
01/14/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30083	Web
Notice to all, I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof or the surname/given name *********, and I have been appointed and accept being the executor both public and private for all matters proceeding, and hereby claim that I will d/b/a ********* and autograph as the agent, attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I dispose the following facts, so be it, now present : Fact, the Equal Credit Opportunity Act and the Consumer Credit Cost Disclosure are intended to secure my right to credit. My rights have been denied and I have been discriminated against so be it, and ; Fact, I am sure the removal of my information from your affiliates, or any and all derivatives therefore, will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of fraud and theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Mercedes-Benz Financial Services violated 15 U.S. Code 1681a ( k ), 15 U.S. Code 1602p, 15 U.S. Code 1691 ( a ) ( 3 ), 15 U.S. Code 1632 and 18 U.S. Code 1028 ( a ) ( 7 ). Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Mercedes-Benz Financial Services violated 15 U.S. Code 1642 violate federal law because I made an application, but credit was not issued. XXXX XXXX XXXX XXXX XXXX credit. Fact, affiant is aware and has proof in pursuant to XXXX XXXX Code XXXX, XXXX XXXX XXXX XXXX not report my nonpublic personal information as this statement confirms my request to OPT OUT. This means, I am requesting all inquiries and any other information regarding my relationship with XXXX XXXX XXXX XXXX XXXX deleted permanently from all consumer reporting agency databases including but not limited to XXXX and XXXX XXXX. Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1605 that a finance charge was involved because my social security number was used however, not disclosed. Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1632, the finance charged involved in this consumer credit transaction was not disclosed. Fact, Affiant is aware and has proof pursuant to 15 U.S. Code 1602 that the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit ) is unauthorized use because I received no benefit. Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681b that Mercedes-Benz Financial Services , fraudulently obtained my nonpublic personal information from XXXX because I did not provide either corporation with written instructions to furnish my consumer report to Mercedes-Benz Financial Services . Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1611, Mercedes-Benz Financial Services is criminally liable for violating 15 U.S. Code 1602 and 15 U.S. Code 1605 because I received no benefit. Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1640, Mercedes-Benz Financial Services is civilly liable for failure to disclose the finance charged in this consumer credit transaction. Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1691, Mercedes-Benz Financial Services has discriminated against me for exercising my rights to credit. Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681a ( k ), Mercedes-Benz Financial Services can not deny me credit. Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1691e, Mercedes-Benz Financial Services is civilly liable for discriminating against me for exercising my right to credit in submitting an application for credit. Fact, affiant is aware and has proof pursuant to 18 U.S. Code 1028 ( a ) ( 7 ), Mercedes-Benz Financial Services knowingly transferred a means of identification ( my social security number ) to XXXX, with the intent to either approve or deny my right to credit. Mercedes-Benz Financial Services denied my right to credit which is an unlawful activity that constitutes a violation of Federal laws herein including 15 U.S. Code 1681a ( k ), 15 U.S. Code 1691 and 15 U.S. Code 1602. In addition, Mercedes-Benz Financial Services used my credit card/social security card with the intent to withhold the finance charge involved in the consumer credit transaction I initiated when I submitted an application for credit on its website. Mercedes-Benz Financial Services did not disclose the finance charge involved to me. Fact, affiant has identified your Georgia registered agent. If Mercedes-Benz Financial Services USA , LLC fails to comply with federal law and meet my demands within 30 days, affiant will seek legal action or arbitration with NCDS. The attached affidavit, denial letter and invoice were delivered to Mercedes-Benz Financial Services on XX/XX/2022 via FedEx. Delivery and signature confirmation are attached.
10/03/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	FL XXXXX	Web
Complaint Statement of XXXX XXXX XXXX against Mercedes Benz Financial Services for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( VIN # XXXX ) I leased a XXXX XXXX XXXX XXXX ( VIN # XXXX ) through Mercedes Benz Financial Services ( XXXX ) on XX/XX/XXXX. I gave a {$5000.00} down payment and paid {$670.00} per month even though the lease indicated that the payment should be {$670.00} per month for 42 months. ( Discrepancy of {$130.00} over the course of the lease. ) ( Copy of Lease attached. ) I paid the monthly payment on time every month for the entire lease, despite losing 65 % of my income when the Covid pandemic began in XX/XX/XXXX. The 42-month lease was completed at the end of XXXX, XXXX. There were no late fees or other charges incurred. On XX/XX/XXXX, I indicated that I wanted to purchase the vehicle. That day, I was charged {$1300.00} to cover lease payments for the two months of XXXX and XXXX, XXXX, extending my lease through XX/XX/XXXX. ( Scan attached ) On XX/XX/XXXX, XXXX sent via 2-day delivery a Buyout Package indicating that the Buyout cost for the vehicle was {$25000.00}. I received it on XX/XX/XXXX. It indicated that I needed to return all completed forms and the full payment to Mercedes Benz Financial Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX by XX/XX/XXXX. On XX/XX/XXXX, I overnighted the completed Buyout Package, including : Signed Odometer Disclosure Statement indicating a reading of XXXX miles Check # XXXX drawn on my personal checking account for {$25000.00} ( the indicated Payoff amount ). Check included XXXX Account Number and VIN # Completed and signed Titling Instructions Form for Purchase of Vehicle Copy of the Vehicle Registration Copy of my Drivers License Copy of the vehicle insurance through XXXX XXXX XXXX and signed XXXX XXXX Attorney form Check # XXXX for Registration made payable to XXXX XXXX XXXX for {$360.00} Completed Certificate Regarding Emissions Control Device via FedEx to Mercedes Benz Financial Services, Florida Direct Sale Remarketing Operations, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Package included all documents requested. ( Scan of all docs attached, not including check, XXXX, XXXX or Registration as that has personal information. ) XXXX received my completed paperwork and check on XX/XX/XXXX. The check was deposited and cleared my bank on XX/XX/XXXX, XXXX days prior to the end of the lease extension through XX/XX/XXXX ( copy of payment attached ). Their paperwork indicated it could take up to 30 days to process the title transfer. I did not hear from XXXX against until XX/XX/XXXX indicating that Payoff Package documents that I overnighted to the address XXXX provided in their cover letter went to the wrong address. ( I have copies of the documents I overnighted and confirmation from XXXX that they were received at the address on their form. ) XXXX indicated that because my paperwork was lost, I needed to fill it out all over again. This paperwork included a massive amount of Non-Public Information : my Florida drivers license number, date of birth, full legal name, car insurance account number, bank account number, address, phone, and email address. It also included the check for {$25000.00}, which they cashed ( and thus must have received. ) Somehow the paperwork with my Non-Public Information was lost but the check was not lost, even though check and paperwork were sent in the same overnight package. I retained copies. I was told on XX/XX/XXXX that new Payoff Package documents would be sent to me for 2-day delivery so I could complete it again. On XX/XX/XXXX, having received no paperwork from XXXX, I called again and spoke to XXXX at XXXX XXXX who said that XXXX did receive the paperwork according to his computer records. However, I still owed XXXX an additional {$300.00} above and beyond the {$25000.00} I had paid per their written payoff amount. When I asked why the buyout amount had changed, he could not explain it and confirmed that my Payoff Package had indicated that I owed {$25000.00}, which is the amount I sent. He could not explain the discrepancy of {$300.00}. He said he would have a supervisor call me. I filed a complaint via email with XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX a supervisor called me. She knew nothing about my account. After explaining the entire issue again, XXXX said she would call me back once she figured out what was the problem. I explained that I lived in XXXX, FL and I was expecting XXXX XXXX in two days and to please call me before then. I never heard from XXXX again. Instead, on XX/XX/XXXX, I received a XXXX package from XXXX with new Payoff Package to start the entire process all over again indicating that in addition needing paperwork ( as if I had never sent previous paperwork ), I also owed {$300.00}. There is still no explanation as to why I owe additional money when I paid the Payoff amount on time. When I called XXXX to speak to XXXX, I was told she was not available. And then asked to speak to XXXX XXXX and was told he was also busy. I then called again to speak to XXXX XXXX, who sent the new paperwork, and I was told that by XXXX that XXXX was on a phone call. After waiting 47 minutes, XXXX said XXXX was available and would transfer me to him and then he hung up on me. XXXX never took the call. XXXX is non-responsive and uncooperative. XXXX is stonewalling me.
09/17/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 10453	Web
This is an update on the two previous complaints filed on XX/XX/XXXX complaint # XXXX and complaint # XXXX filed on XX/XX/XXXX. On XX/XX/XXXX I entered a consumer credit transaction with dealership XXXX XXXX XXXX XXXX for XXXX XXXX XXXX a XXXX Mercedes-Benz XXXX XXXX : XXXX XXXX XXXX filled out the application and then was required by XXXX XXXX a Finance Manager a downpayment in cash of {$10000.00} as a condition to the consumer credit transaction in which at the time I had no idea it was a violation of 15 U.S.C. 1605 ( a ) - the finance charge shall be determined as the SUM of all charges, meaning SUM of all, SUM means the total, so the grand total of everything I should have been charged nothing should come after it. It also clearly states that the FINANCE CHARGE does not include charges of a type payable in a comparable cash transaction, meaning you should not be charging me for any form of cash, cashiers check, wires, etc. this transaction was paid for by credit and this contract is proof. This vehicle was purchased on credit, yet I was coerced and deceived into making a {$10000.00} cash down payment, when there should be no cash in a credit transaction. I then sent out on three separate occasions letters exercising my Right to Rescind 15 U.S.C. 1635 to MERCEDES-BENZ FINANCIAL SERVICES USA LLC and dealership XXXX XXXX XXXX XXXX XXXX I have informed them of the fact that I had in good faith exercised my right to rescission 15 U.S.C. 1635 ( a ) due to the fact that I at the time of entering the consumer credit transaction was uninformed 15 U.S.C. 1601 ( a ) Congress promotes the informed use of credit by consumers, so that consumers can avoid the uninformed use of credit and to protect from inaccurate and unfair credit billing. I at the time of entering this consumer credit transaction was unaware of the cost of credit. There is no evidence of indebtedness other than the contract, which is null and void due to fact that I was unaware and never received adequate notice 15 U.S.C. 1602 ( k ) as I was given a computer-generated contract/agreement which was not clear and conspicuous. I sent out the letters via certified mail with proof provided in the attachment and made the two previous complaints to the CFPB only to receive incomplete, false and misleading responses from MERCEDES-BENZ FINANCIAL SERVICES USA LLC , claiming that I am obligated to the terms on the " Retail Installment Contract '' which has been rescinded and is null and void due to inadequate notice 15 U.S.C. 1602 ( k ) and their failure to comply with Federal Laws under the Truth In Lending Act. As previously stated on their letter MERCEDES-BENZ FINANCIAL SERVICES USA LLC claims that this contract was assigned to them by XXXX XXXX XXXX XXXX which means that MERCEDES-BENZ FINANCIAL SERVICES USA LLC is subject to all claims brought by me the consumer to MERCEDES-BENZ FINANCIAL SERVICES USA LLC. MERCEDES-BENZ FINANCIAL SERVICES USA and its agents harassed me for an alleged debt that was not even validated 15 U.S.C. 1692g. Your company shared statements as well as a copy of a Consumer Contract as evidence of the debt but as per the judgement in the case of Pacific Concrete F.C.U. V Kaunanoe a copy of a Consumer Contract is not sufficient evidence of a debt. Due to Due to MERCEDES-BENZ FINANCIAL SERVICES USA LLC continuous acts of deceit, intimidation, and coercion I have suffered great mental anguish, defamation of character, invasion of privacy and can no longer afford to bear the burden of their actions. MERCEDES-BENZ FINANCIAL SERVICES USA LLC company has not only violated the Truth in Lending Act and the Fair Debt Collection Practices Act but also the Fair Credit Reporting Act. MERCEDES-BENZ FINANCIAL SERVICES USA LLC has furnished my non-public information to the consumer reporting agencies, XXXX, XXXX and XXXX as this was a private consumer credit transaction and MERCEDES-BENZ FINANCIAL SERVICES USA LLC made it public by distributing, selling and sharing my personal identifying information, which violates my right to privacy pursuant to 15 U.S.C. 1681a ( 4 ). Pursuant to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) under exclusion a consumer report does not include a report containing information solely as to transactions, MERCEDES-BENZ FINANCIAL SERVICES USA LLC has furnished an account showing a current account as charged-off, this creates a belief that there was an actual transaction which should be excluded from a consumer report, as well as MERCEDES-BENZ FINANCIAL SERVICES USA LLC collecting on an alleged debt that was CHARGED-OFF meaning a TAX WRITE OFF/CREDIT was received and yet you are making a false representation that the alleged debt is still owed to you. Attached to this complaint is a copy of the previous mailings sent to MERCEDES-BENZ FINANCIAL SERVICES USA LLC XXXX XX/XX/XXXX, XX/XX/XXXX certified mail tracking # XXXX XXXX XXXX XXXX XXXX, - Notice of Dispute - Affidavit of Truth with exhibits labeled - invoice for all documented violations thus far - statement of fact by special indorsement - Financial Construction Form After multiple attempts to resolve this matter with this corporation, I am now allowing one final opportunity to cure before I proceed with a default judgement and entering litigation.
07/08/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 77054	Web
Mercedes-Benz Financial is willfully and unlawfully listing false information and attempting to illegally reage an account on my credit report in violation of the Fair Credit Reporting Act and to try to collect on a debt that is not owed. I had a lease with Mercedes Benz from XXXX to XXXX. I paid every payment in full ( never late ) down to a XXXX balance. At the conclusion of the lease, after I turned in the car, Mercedes claimed that I owed them a debt that I did not owe. They sued me and the case was dismissed. Despite this, they are still reporting 100 % false information to my credit report. I have already disputed this account multiple times and notified the credit bureaus and Mercedes-Benz Financial that the information being reported is false. The false and inaccurate information being reported includes, but is not limited to the following : Status Update - I have disputed this account multiple times, including most recently in XXXX of XXXX and the status update still states XX/XX/XXXX, meaning neither XXXX or Mercedes-Benz financial conducted an investigation as a result of my dispute. Account in Dispute - I have disputed this account multiple times, and this account fails to provide notice with a notice or statement listing that this account is in dispute. Balance - I do not owe a balance to Mercedes-Benz Financial. I had one 48-month installment loan with Mercedes-Benz Financial which opened in XXXX of XXXX and closed in XXXX of XXXX when the installment loan for a car lease was paid in full. Highest Balance - This account lists the highest balance at {$0.00} which contradicts with the original balance listed of {$27000.00}. Term - This account lists a term of one month. This information is false and inaccurate. I never had any account with Mercedes-Benz Financial for a term of one month. I had a 48-month installment loan for a car lease that started in XXXX of XXXX and ended in XXXX of XXXX. On Record Until - This accounts on record until date is incorrect. The only account I have ever had with Mercedes-Benz financial ended in XXXX of XXXX and by law it can only be listed on my report until seven years after the date of last activity. Payments - This account falsely lists that I made payments to Mercedes-Benz Financial on this account in XXXX, XXXX, and XXXX in an illegal attempt to make it look like this debt is valid and/or that it is a new charge-off on my report. The last payment I ever made to Mercedes-Benz was in XXXX of XXXX on my 48-month installment lease. I never made any of the following payments listed on my credit report as of XX/XX/XXXX. XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT XX/XX/XXXX - I NEVER MADE THIS PAYMENT I do not owe Mercedes-Benz Financial any money and Mercedes Benz is using illegal tactics of 1 ) listing an account I do not have and false information, 2 ) Using an old account number to provide false information 3 ) attempting to unlawfully reage an old account in violation of the Fair Debt Collection Practices Act and multiple consumer protection laws. I had an installment loan with Mercedes Benz Financial ( account # available upon request ) for 48 months and I paid every installment payment in full down to a {$0.00} balance and I never made a late payment. The installment loan began in XXXX of XXXX and ended in XXXX of XXXX. In an entirely separate contractual dispute, Mercedes-Benz Financial sued me in XXXX for breach of contract. I disputed the debt in court and it was dismissed because I do not owe them any money. Mercedes-Benz Financial is fully aware that my account with them was paid in full, that they lost the contractual dispute, and that they have no legal right to continue this unlawful collection activity. The account information they have listed on my report is false. I have attached the following documents to support my assertions. 1. A copy of the Contract Information showing XX/XX/XXXX, start date and XX/XX/XXXX, end date for the installment loan I had with Mercedes-Benz Financial. 2. A copy of the final Balance Statement showing that I paid the account down to a {$0.00} balance in XXXX of XXXX. 3. A copy of the lawsuit dismissal showing that lawsuit filed against me by Mercedes Benz Financial in XXXX for Breach of Contract was dismissed. The Breach of Contract lawsuit was an entirely separate contractual issue from the installment loan, and that suit was also dismissed because I paid Mercedes Benz Financial all money that I owed to them.
02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL XXXXX	Web	Older American
PUBLIC CONSUMER FINANCIAL PROTECTION BUREAU I RESEARCHED POSSIBLE SOLUTIONS OF REMOVING ERRORS of DEROGATORY LATE PAYMENT FALSELY REPORTING ERROR IN HISTORY OF ALLEGED LATE PAYMENTS WHICH HAVE NEGATIVIELY IMPACTED MY CREDIT SCORE/ VANTAGE SCORES & LIBELEST IMPUGHNING MY CHARACTER. MERCEDES AGREED ON DEFERMENT PROGRAM PERSONALLY & PUBLICLY ANNOUNCED THEY WOULD DO THEIR PART & HELP PEOPLE WITH FINANCIAL HARDSHIPS DURING OUR DIFFICULT COVID 19 TIMES. WE HAD MUTIUALLY AGREED THAT I WOULD ENTER TEMPORARY DEFERMENT PROGRAM SANCTIONED BY MERCEDES & OUR USA GOVERNEMNT. AGREED THERE WOULD BE NO IMPACT ON MY CREDIT NOR SENDING TO ANY REPORTING AGENCIES FOR THIS BRIEF REPRIEVMENT. RECEIVED. ONLY XXXX & XXXX XXXX EXTENSION OF 30 DAYS.PLEASE DELETE INFORMATION FROM ALL CREDIT BUREAUS & REPORTING AGENCIES AS THIS IS INCORRECT & ERRONEOUSLY REPORTED. REPORTED IN ERROR. 1 ) 1 ) IT SHOULD BE NOTED THAT EACH CREDIT BUREAU : XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX & XXXX HAVE DIFFERENT REPORTING ALLEGED LATE PAYMENTS DATES. FALSE DECLARATION OF LATE PAYMENTS .SO PLEASE CORRECT & REMOVE ALL DEROGATORY NEGATIVE ALLEGED LATE PAYMENTS COMMENTS.MERCEDES DID NOT REPORT CORRECT INFORMATION NOR REVEAL I PAID AS PER OUR HARDSHIP AGREEMENT. I WAS NOT LATE AS PER OUR AGREEMENT FOR FINANCIAL HARDSHIP COVID 19 RELIEF. 2 ) 2 ) SUPERVISOR XXXX XXXX of SWAT TEAM SAID I HAD TO DIPSUTE WITH CREDIT BUREAUS WHICH I DID .BUT RESULT WAS NOT FIXED & CAME BACK FROM ANOTHER DIVISION REPORTED THE LATE PAYMENTS AGAIN! SUPERVISOR SAID MERCEDES BENZ FINANCIAL DID INDEED AGREE TO PARTICIPATE IN DEFERMENT PROGRAM & NOT REPORT TO CREDIT BUREAUS. BUT MERCEDS BENZ ADMINISTRATIVE TEAM & FINANCE DEPARTMENTS LACKED TIMELY INTERNAL COMMUNICATION BETWEEN DEPARTMENTS. THIS INTERDEPARTMENTAL INEFFICIENCY LACK OF INTERNAL COMMUNICATION DID NOT PROCESS THE MEMO OR COMMUNICATE TO THE CORRECT DIVIOSN RESPONSILBE AS IT IS COMPUTER AUTOMATED GENERATED DID NOT TIMELY PROCESS WITHIN MERCEDES ORGANIZATION, .FAILED TO UPDATE EFFICENTLY TO NOTIFY THEIR COMPUTER GENERATED AUTOMATIVE REPORTING DEPARTMENT NOT TO REPORT DURING THESE MONTHS OF DEFERMENT PROGRAM. THE AUTOMATED REPORTING COMPUTER GENERATED AUTOMATICALLY SENT TO CREDIT BUREAUS ERRONEOUSLY NOT HONORING OUR AGREEMENT. HENCE NEGATIVELY IMPACT ON MY CREDIT BUREAU, XXXX XXXX, XXXX & OTHER PUBLEC/BUSINESS INFORMATION AGENCIES. THIS CLERICAL ERROR NEEDS IMMEDIATE REMOVAL I. DEVASTATED MY XXXX SCORES & PUBLIC REPUTATION AS I AM APPLYING FOR JOBS. I AM XXXX XXXX XXXX WOMAN & CAN NOT AFFORD TO SUFFER FINANCIALLY TILL I AM XXXX XXXX XXXX IN EVERY ASPECT OF LIFE- GETTING AN APARTMENT, JOB, CAR LOAN, MORTGAGE... ETC.. FINANCIAL REPRESCUSSIONS ARE DEVASTATING TO MY FUNDAMENTAL DAILY EXISTENCE. COVID 19 HAD AMDE IT DIFFICULT TO MAKE A LIVING. I DO NOT MAKE MUCH MONEY. I AM ONLY ON WIDOW BENEFITS LOOKING FOR WORK AT PRESENT. THIS ERROR OF ALLEGED LATE PAYMENTS & MERCEDES NOT HONORING AGREEMENT WITH THEIR GROSS NEGLIGENCE SENDING TO ALL 3 CRDET BUREAUS REMAINS FOR 7 YEARS.! PLEASE CORRECT AS REPORTING ERROR. MY RESEARCH INDICATED THE THE FOLLOWING HOW TO DELETE. BUT I AM NOT SURE WHICH OPTION TOTALLY DISOLVES NEGATIVE IMPACT ON CREDIT SCORES. SO PLEASE USE THE CORRECT MANNER TO RESTORE, RE-AGE MY CREDIT SCORES IMMEDIATLEY. REFLECTING MY CONSCIENOUS, CONSERVATION HISTORY OF DISCIPLINED, HUMBLE, FRUGAL FINANCIAL MANGEMENT OF MY LIFE & REPUTATION.THANK YOU! PLEASE CORRECT THIS ERROR.SOME VARIOUS OPTIONS I RESEARCHED : 1 ) PAY FOR DELETE IN EXCHANGE TO REMOVE ACCOUNT AS REQUESTED. I ALREADY PAID IN FULL EXACTLY WITH WHAT I AGREED WITH DEFERMENT ON THE EXACT TIME FRAME AGREED IN DEFERMENT PROGRAM.MERCEDES BENZ FINANCIAL REPRESENTYATIVE. AGREED THEY WOULD SIMPLY TAC ON PAYMENTS AT THE END OF LEASE WICH I COMPLIED WITH. I HAVE PAID FULL AMOUNT 6 MONTHS BEEFORE THE LEASE MATURITY DATE IN FULL. 2 ) 609 LOOPHOLE SECTION OF FAIR CREDIT REPORTING ACT TO CORRECT ON CREDIT REPORT INCORRECT INFORMATION & DISPUTE. MERCEDES BENZ AGREED TO THE DEFERMENT TO ME OVER THE PHONE WE MADE ARRANGEMENTS, VERBALLY.XXXX ON LINE AS GENERAL STATEMENT TO THE PUBLIC AS WELL.THEY WOUD DO THEIR PART TO EASE FINANCIAL HARDSHIPS DURING COVID 19..IF YOU XXXX MERCEDES BENZ ARTILCLES THEY PUBLICLY & PERSONALLY STATE THEY OFFER TO CLIENTS DEFERMENT TYPE PROGRAMS-FOR COVID 19 ON PAYMENTS & WOULD NOT BE REPORTED.YES THEY AGREED & TACKED IT ON TO THE LEASE END XXXX XXXX WTHE LEASE PAID IN ADVANCE 6 MONTHS IN & PAID IN FULL AS AGREED. MERCEDES BENZ NEEDS TO HONOR THEIR DEFERMENT COMMITMENT TO ME & TAKE IT OFF ALL REPORTING, PUBLIC DOMAIN REPORTING AGENCIES. I WAS TOLD BY XXXX XXXX ECLOSED IS HIS EMAIL VARIFYING DEFERMENT PROGRAM.I WAS EXTENDED DEFERMENT FOR MONTHS BUT ONLY NEEDED 30 DAYS ON XXXX & XX/XX/2020! 3 ) GOODWILL DELETE NOT SURE IF THIS GETS IT TOTALLY OFF CREDIT REPORTS. THE GOAL IS TOTALLY ERROR ON MERCEDES PART & RESTORING, RE-AGING MY CREDIT TO INCREASE XXXX SCORES IMMEDIALELY. REMOVE FROM ALL THE CREDIT BUREAUS : XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. TIME IS OF THE ESSENCE! THANK YOU!
08/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 95111	Web
To whosoever this may concern I am having problems trying to resolve an inaccurate late payment that was reported by the Mercedes Benz Financial Services on my credit report. I have been working with the Dealership, where I have made the initial payment for my first two months of lease payment, and also the Financial Services to resolve this. Both have agreed to help me but have since then been having issues communicating with eachother. The dealership messed up my lease agreement thrice, for which I had to sign a corrected lease agreement ( as the previous one had a wrong sales tax amount in the lease ), on the XX/XX/2018. I made my first two months of my lease payment in the dealership at the same time. It has to be noted that, I have not been mailed, any documentation, explaining me how I start setting up auto-payments or even making my first payment to Mercedes Benz Finance. I reached out to the dealership for help and they informed me about the mistake and asked for me to come over to the dealership, which I did and made my payments at the dealership ( See receipt in the attachments ). The Detailed sequence of events is below : XX/XX/2018 - I have initially signed up for a lease with Mercedes Benz in XXXX XXXX ( XXXX ) on the XX/XX/2018. The monthly lease amount was agreed to be XXXX $ with XXXX $ as downpayment. XX/XX/2018 - I do not see any mails explaining me how should I be setting up auto-payments and also the first payment instructions. I call the dealership for help when they inform me they have not been able to close my lease due to a documentation issue with the Service Agreement on the car. I offered to pay the amount there, but was told I would be getting a mail from the Mercedes Benz Financial Services department with the instructions and was also told they do not accept lease payments at the dealership. XX/XX/2018 - I was called by the dealership again, this time citing a mistake with the sales tax on my lease agreement because of which they have not been able to close on my lease with the Financial Services team again. At this point, I have not received any documentation from the Finance team over mail/email. I was also notified the fact that I have not made any payments yet and it would be best for me to make a payment for the first two months, which I was already due at the dealership. XX/XX/2018 - I setup an appointment with the dealership and the revised monthly amount has been increased to XXXX . I also asked to pay the lease payments for the two months I was due, which I acknowledged and paid ( See receipt for the amount XX/XX/XXXX*2= XXXX ). XX/XX/2018 - Mercedes Benz Financial Services team calls me saying I am yet to make my first payment and I let them know that I already made the payment at the dealership, and offered to send a copy of the receipt. XX/XX/2018 - I was called again by the FInance department, this time, I ended the call after sending an email of the receipt and also my credit card statement which showed that I clearly paid the amount at the Dealership for 2 months. XX/XX/2018 ( I think ) - I was called by the Finance department again, telling me that the payment I made at the dealership, of amount XXXX $ was not for the lease but was " to take the car out of the showroom '', when asked for more explanation on the statement, I was asked to work with the dealership. At this point, I was too tired to argue, and went ahead and made a payment again for the first three months. ( At this point, I double paid my lease for the months of XXXX and XXXX ) XX/XX/2018 - I see the Financial Services team has raised a delinquency mark on my account reported on XX/XX/2018. I call them and explain what happened, and they create a case for me XX/XX/2018 - I get my first mail from Financial Services, welcoming me to the Family ( This is expected to come within the first month of my lease ), which I assume was because my lease is finally underway. ( Please see attached ) I have created several cases since then with the Credit Bureaus and also the Creditor directly, explaining them the mistakes and the mental trauma that I was put through with appropriate documentation of receipts, email exchanges and explanation without much success. I am clearly not at fault, but have not been served any explanation into what is happening, wither from the XXXX XXXX of Mercedes Benz at XXXX XXXX or the XXXX group of Mercedes Benz Finance. I also offered a good will payment of 10 months in advance without any luck. This was my first payment on the lease and have since then been current on payments. I still spend a lot of time over phone and the dealership. I am working with a XXXX XXXX ( XXXX ), who is the Director of Finance at the dealership, who also called up the Finance Department, acknowledging it was a problem on the dealership and the Finance Department twice, but this is not helping either.
04/08/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	CA 92620	Web
Customer service has wait times excess of 1.5 hours. I work 12+ hour days so it makes it difficult to find a time to call during business hours and to stay on hold. Twice, Ive taken Personal Time Off from work to dedicate to calling Mercedes. This is not acceptable! In XXXX I opted to buy my car and submitted an application for a lease buyout. I had to submit my application at least twice, the last was in XXXX. My loan was approved on XX/XX/XXXX. Loan docs were to be mailed to my primary residence in XXXX XXXX. Between late XXXX and XXXX, I made a minimum of six attempts to call Mercedes Benz Customer Service but was not once successful. Extended wait times and my work schedule limit my ability to stay on hold more than 45 minutes. On XX/XX/XXXX I took a Paid Time Off from work to dedicate the day to call Mercedes and inquire about the status of my account. I had grown worried that I had not received the loan docs or a loan number to make a payment, and my inability to reach an associate was exasperating try concerns. After holding 1:45 minutes, I spoke to a representative who mentioned loan docs were not allowed to be sent to an alternate address and given so much time had elapsed, I needed to reapply for a loan. This information conflicted what I had been told in XXXX because I had provided the rep my billing address to mail the docs. Upon placing me on hold and the call was disconnected and I never received a call back. I attempted to call Mercedes but after waiting on hold for over an hour and a half, the call center closed. Unbenounced to me, the following Saturday, on XX/XX/XXXX my car was repossessed. I had assumed my car had been stolen, even attempted to file a police report, but to my embarrassment, XXXX XXXX Police informed me that my car had been repossessed. Never once had Mercedes noticed me. I took more time off from work to deal with this matter - and when I called Mercedes on XX/XX/XXXX, I received inconsistent information. I was informed that my car was placed in repossession status on XX/XX/XXXX. But not once had a Mercedes informed me of this ; not by email, mail or by phone during my phone call on XX/XX/XXXX. Last week, when a supervisor called me to notify me of a past due balance, she mentioned that Mercedes placed my car in repossession status on XX/XX/XXXX - negating what the prior rep had told me. Again between XXXX and XX/XX/XXXX ( when the car was repossessed ) I had talked to at least 5 representatives and not once had anyone mentioned this info to me by phone. Not once did Mercedes notify me of a repossession, neither verbally or in writing. The rep stated that Mercedes assumed I no longer wanted the car because I didnt return the loan documents. This is the most irresponsible statement I have ever heard. Why would your organization lead with assumptions and not verify this information? Why would your organization assume I made over 30+ successful, timely payments and then decide I dont want the car. And when does an organization assume, not confirm the details? Under the Fair Credit Reporting Act, your organization is required to ensure 100 % accuracy in the information you report yet I have been reported late as of 120! How can Mercedes vehemently standby this information if it assumed I didnt want the car when in fact, my loan docs were sent to the wrong address, no one contacted me to determine if I was canceling the lease buyout, confirm I was returning the car, or provide me with instructions to return the car. Is a repossession the most feasible and least intrusive was to have clients return their cars to your organization - while clients have their personal belongings in the car? Im absolutely baffled by Mercedes lack of communication and the irresponsible manner this entire situation has been handled! To say this has been emotionally and financially draining is an understatement. I have had increased stress/anxiety which has exasperated my XXXX. It had impacted my ability to commute to work and even take my dog to the vet for ongoing medical treatments. The lack of transportation has impacted my need to get a rental car in a peak market in excess of {$1700.00} a month because of limited inventory to buy a car. And the negative reporting from Mercedes is impacting my financial integrity and potential irreparable damage to my career. My XXXX has reduced to XXXX and I am unable to buy a new car and stuck with a rental until this matter is resolved and I cant get a hold of anyone at Mercedes.
07/14/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA XXXXX	Web
I am filing a complaint because it appears that MBF has a very poor history of record keeping and accounting errors on billing statements. They need to be stopped! How can a consumer trust such a company that takes advantage of their customers? I hope sharing my experience and complaint can bring change and implement additional regulations and safeguards for more consumer protection. MBF needs to be regulated. Excellent credit is one of the most valuable things an individual can have. A company like MBF can instantly take that away with one accounting error! I received my monthly statement for my car lease in XX/XX/XXXX. I noticed the charge was 3 times the amount of my normal monthly payment. The additional {$1100.00} did not give an explanation other than listed as " other charges. '' I immediately contacted MBFS and they looked into it. The representative stated that back in XXXX of XXXX, MBFS made an accounting error and issued me a check for a refund/credit in the amount of {$1100.00}. Unfortunately it was an accounting error on their part and now 1 year later, they were trying to collect it back. I stated that I did not see that check because it was probably deposited into our company account. When I checked with our booking keeping, the check did not state it was for a refund of any kind. It did not have any explanation letter attached to it. It was just a plain check with the amount of {$1100.00}. The check was cashed and put into the company account. Now 1 year later, MBFS is demanding that it be paid back and if it is not, they will send us to collections. I have been a customer of MBFS for over 6 years, I am disappointed they would treat their customers this way. Especially when the charge or fee was not disclosed. If the refund was in error, MBFS should take responsibility for their mistake and not put the problem on the consumer. There should be some protection on the consumer for such practices. I have never heard of any other company I have done business with handle a disputed charge this way. Especially, as mentioned, it was an accounting error on MBFS 's part. I appreciate any help as I have attempted twice to reach out to MBFS to resolve this matter and they will not help. They stated that they will send my account into collections and they will report the charge to the credit bureaus. I wrote to them back in XX/XX/XXXX, however, they have failed to send me any written communication regarding my dispute. Appreciate any assistance in this matter. On XX/XX/XXXX I contacted the XXXX and filed a complaint. They quickly got in touch with me and where very helpful in contacting MBF and getting some type of correspondence/action from them. MBF finally address and clarified the error they made. However, they are not taking responsibility for their actions and have failed to come to a resolution. In addition to the credit they are trying to collect back, they are now charging bogus fees for turning in my vehicle. These fees are incorrect. On XX/XX/XXXX, I received a disposition of vehicle for turning in the XXXX XXXX XXXX and the statement stated there were {$0.00} fees. On XX/XX/XXXX, I received a new statement claiming I now owe {$2800.00} in fees. This is also an accounting error. They are stating that these fees must be paid in 10 days. Again, I would like to point out how disorganized they are in their billing practices. I have been charged these fees in error. On XX/XX/XXXX, I leased a new vehicle and the dealer waived all fees for turning in the XXXX XXXX XXXX. The information was recorded and funded on XX/XX/XXXX, so the dealer is puzzled as to why MBF is charging these fees. This incident has caused me tremendous stress, not just because of the dollar amount trying to be collected, but also because it has taken time away from my family and work matters. I am only working a few hours due to COVID. I am financially stressed and MBF has put even more stress on my shoulders at the thought that they want so much money and they will ruin my credit if the amount is not paid. Charging consumers fees that are not warranted is unethical and deceitful. I hope that you can help bring advocacy to this ongoing practice that MBF has towards its customers. They have so many complaints with such issues, something has to be done to protect consumers. The time is now! The XXXX recommended I contact your agency for additional assistance.
01/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 92407	Web
" on XX/XX/2023 I was denied a loan for XXXX XXXX XXXX XXXX, they did not Protect against nonpublic personal information. they gave my information to 3rd part financial institutions without my knowledge or consent, nor was it clear an conspicuous, I wasn't notified or given the opportunity to opt out of said information being disclosed '' 15 U.S. Code 6801 - Protection of nonpublic personal information- ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. " they disclosed my consumer information to a non-affiliated 3rd party, witch would be XXXX. Mercedes Benz being an inhouse financial institution, there isn't a need or wasn't a clear an conspicuous disclosure that I have the right to opt out of said information being obtained '' 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information - ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " The 1st financial institution I initiated a contractual agreement with is Mercedes Benz of XXXX but because yall are inhouse Financing that makes XXXX a non-affiliated 3rd party. And according to the gramm-leach-bliley act debt collectors are considered to be financial institutions as well. So because XXXX is a non affiliated 3rd party that means Mercedes Benz XXXX XXXX didn't protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to me as according to 15 U.S. Code 6801 ( b ) ( 3 ) "
02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60564	Web
I am submitting this XXXX XXXX without any influence and this not a third party I Contacted company XXXX XXXX XXXX auto loan showing in my name that is fraudulent. I tried calling them 23 times and I believe im blocked now I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal social security number to compare against on my drivers license address. XXXX XXXX XXXX out of XXXX, MD according to the website and this loan was opened in XXXX, MD they informed me when I live in Illinois. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through XXXX and XXXX at the time this was opened and they still opened the account.this the account number ( XXXX ) that appears on my credit report balance {$42000.00} please help me PLEASE XXXX still failed to investigate this account they put the wrong account in investigation also they still haven't gave me any answer buts excuses.I have never had an account with these company MB FIN SVCS Account number # XXXX REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt especially when yall stole my idenity Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within 10 days of this notice.RE : Your agency Violated my rights to privacy. I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.
12/03/2021	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	CA 95122	Web
So, I've always worked hard for my money, and I like nice cars. So, in XX/XX/2020, I leased a XXXX XXXX XXXX XXXX XXXX it's a nice ride. I went from one lease into another lease at the same dealership in XXXX XXXX, XXXX. Everything was good and about 5 weeks went by I got a bad vibe that I was going to get furloughed from my job. I work in the XXXX XXXX 22 years. The management/owners of my XXXX in XXXX XXXX sold it to the county they were all preparing for the massive covid-19 hospital 's being overtaken full of patience, so I did get the notice I was laid-off/furloughed. Well, that was 2nd week in XXXX I was good Paying them. I call Mercedes Financial Services in XXXX and asked them if I can have a break on payment 'm out of work I'm not getting payed. This lady was a total piece of XXXX. She was questioning why I didn't call Unemployment, why did it take this long to call them, she was questioning me like I was on trial for murder. I hung up the phone. Called back a few hours later got another lady same attitude a little better. She's like ok we will give you 2 months we will add it to the rear of your lease. But you still got to pay it. She said it like 20 times. I was about to tell these Mercedes Benz Financial people who I definitely know were working from home how to use proper English terminology and phone edict. These Finance Phone Agent have poor customer service working for such a high-end car maker. So XX/XX/XXXX came along I still had know job, my unemployment checks I still have not received # 1, I've been miserable, angry, but for what it doesn't help. So I went to XXXX to see my local state Senator for help, it took him a little over a month but he broke the red tape and got me my some of my unemployment checks. Now I'm waiting on the other half. When all that was going on Mercedes financial services decided to play with me, harass me, deactivate me car, my car turned into a robot for their amusement. So I felt assaulted they could have caused me to have several accidents, injure other people, kill others or myself. So, during my furlough I was basically a XXXX person my mother helped me. I live with her, that was saving my life. My credit went from XXXX down to XXXX. I had to file bankruptcy mostly because of Mercedes Financial and all the threats they were making not only to me. But they had a disgusting lady who sounded like she XXXX XXXX calling my mother phone, who they shouldn't even have her number, my mother is old, sick, XXXX XXXX XXXX XXXX XXXX XXXX, this woman would threaten my mom. So, one day, I told my mother answer the phone I answered a different phone to hear her talk, I cussed the the XXXX out. So, this is my problem Bankruptcy wiped everything out. I am supposed to surrender the car. Well they can go XXXX XXXX XXXX XXXX It's not going to happen. Why because Mercedes financial they think there smart there not. Neither is XXXX XXXX XXXX, CA who had the car and Leased it. I can't believe them all the cars I've bought there. When you lease or finance a car there should only be ONE contract and it should be signed by the customer. Well I know I purchased the vehicle in XXXX but I got a insider truth from a person i will not mention but I can tell you this the people that were involved all got fired including my friend the GM XXXX who always called his VIP customer. So you wan na talk scammers/fraud/dealership well thats # 1 ... ..So they have me purchasing the vehicle later in XXXX or XXXX and with a different contract that I have know idea about. So Mercedes final needs to STOP, LISTEN, PAUSE, I already contacted XXXX thats why those 5 got walked out. But I still got bigger fish to fry ... Mercedes Financial Services. Because from what I recall my payments for my lease were {$520.00} ... ..I don't understand how they want {$1100.00} a month i've never heard of a person paying that much on a lease a month this sounds really fishy someone is pockets are getting big.So They won't be getting the car back I won't be making payment. The case is closed. Period ... I will be conducting some kind of investigation with some king of Federal Government. I'm not rich but someone has to get on them.
10/11/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	TX 76502	Web
I leased a purchase for a Mercedes Benz with the option to buy. My initial walk in was to purchase a car, but I was told because I a lot of travel, that I should do a lease purchase. I told them I didnt want to do that. But they assured me it was a better option that way I can trade out when I wanted to. I test drove a Mercedes XXXX which had keyless entry and touch door features, along with seat warmers, touchscreen keypad for driving. However, on my way home I thought maybe I was doing something wrong. I noticed two days later, because I was on call the next few days at the hospital I worked at, I noticed when I got to my car that I couldnt open it with my hands. I park in the garage at my home so it was no need to lock the door, also notice no remote start. I complained immediately, and was told by the general manager that I only had 3 days to return the car. At that point I felt stuck in the car. So, my next option was to do a trade since I had enough time before my 10000 miles were up. I noticed when I get my first oil change that it wasnt free, being that I was told if anything went wrong that everything would be covered under the lease protections. It included scratch and dent protection, tires unlimited, paint protection, oil change I had to pay for the first and that was the only feature I had to worry about. I spoke with customer relations letting them know through my car call center in my car, because it allows you to use that feature for your oil change when the warning comes on. I told her what I was planning to do, she said I was good to trade in. When I did my first oil change at Mercedes in XXXX, they told me, non of what I mentioned was in my paperwork. I called Mercedes XXXX XXXX, and had to take my car 3 hrs away to get the oil change and paperwork updated. Which I had never seen the paperwork until my first oil change because I was informed that it would be mailed to me. I assumed that all my paperwork was updated until my first tire change, when I was told that they were covered under my plan. When all was done they gave me an outrageous price, and told me it was going to be a while before my car was ready. After sitting in the waiting room for hours. I was supposed to leave on a trip to Indiana, and now had to leave the next day. After waiting for so many hours I was finally told my tires wouldnt be in until later that afternoon. So, I was finally offered a rental, not to go out of town, when I was supposed to just get the tires and be on the road. I was there at my appointment time, XXXX. My car was ready around XXXX. On my next and final event for a trade before my 10,000 miles. I was told that in order to trade out of my vehicle I had to pay {$19000.00} to get my new vehicle. At that point I knew I was stuck with my vehicle. So, I began to study consumer law to find my rights in what I could do, first it was a credit transaction that I know, when I signed my signature the car was already paid for, being that when your credit is pulled it is me who gives the credit. As a secured party, I would like my car back in which Mercedes repossessed it. They never helped get my car situation taken care of. I feel I am owed that right or to give the money that was taken from me, because I never received anything of equal value. They repossessed my car in the middle of the night, without a chance to say they were going to get it if things were not resolved, I paid faithfully until I began the process of fighting this off. There last response was that they denied me a right to rescission and considered the car paid in full. My understanding of this was it was paid in full. But, the car was repossessed. I kept the conversation open and I never heard back from the XXXX at all. I kept the receipt of the letter and what I wrote to him. This was terrible business! I love Mercedes vehicles & said it will be my only go to car, but after this, I will never buy one again. They took the car off my credit report and put paid in full, and discharged the car, a few months later it was back on as me owing {$4000.00} on my credit.
04/28/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NJ 08050	Web	Older American
After my XXXX XXXX XXXX XXXX cars lease reached its end in XX/XX/XXXX, my salesman, XXXX XXXX, from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ; XXXX, NJ ; XXXX ; ( XXXX ) XXXX ) convinced me to purchase the leased vehicle. His manager, Mr. XXXX, offered a purchase price of {$24000.00} for the car as a Mercedes Benz certified vehicle. Afterwards, my salesman and his manager added an additional charge of {$1500.00} to the invoice without my knowledge. Thereby increasing the total to {$25000.00}, which also increased the sales tax and finance charges. I had been a customer of this dealership and the salesman for over six years with multiple cars. I had complete trust in them, and when I signed the multitudes of documents to transact the car sale, I did so without review, but with complete trust that everything was in order based upon our price agreement. But after completing the transaction and receiving the car, I discovered that the salesman and his manager added the {$1500.00} charge without it ever being revealed to me, and without my consent. All my requests to correct this issue were ignored by the salesman, his manager, and the dealership. My multiple requests for assistance to the Vice-President of Mercedes Benz USA, were also ignored. I even wrote twice to the CEO in XXXX, whose response was polite, but his office deflected my request to Mercedes Benz USA. After a year of trying to get Mercedes Benz USA to assist, they deflected to the dealership, and told me this issue is closed with their office. After many, many requests to the dealership and the salesman for assistance, to which I never received a single response, I physically went to the dealership and spoke to the salesman. The salesman told me he added the charge because the car was Mercedes Benz certified. Prior to telling me this, I was never told that I would have to pay additional money to get the car certified. If I was told, I wouldnt had agreed to the additional cost because it was unnecessary. People buy certified cars at a premium from an original manufacturer because there is the expectation that the car is validated to be at a high level of overall dependability, safety and soundness. Moreover, most people who buy certified cars have no direct user experience with the particular car they select to purchase. Since I had already leased the same car for years, I knew the condition of the car. Furthermore, during the entire time of the cars lease, I paid for all scheduled maintenance required which was performed by the dealership. So, I had exact knowledge of the cars condition so certification at a cost was unnecessary. Also, my car was still under warranty. The end result is that I was purposely misled so that I would : 1. ) Have to pay more for a certified car, than what the car would have cost as an uncertified car, 2. ) In addition to the higher certified price for the car, I was wrongfully charged without consent an additional {$1500.00} to get the car certified so that the price of the car would be higher. 3. ) I was misled to buy four new tires even though it was completely unnecessary. The sales manager, Mr. XXXX pressured me to purchase new tires even though the tires did not need replacement. Mr. XXXX said that if I didnt replace the tires, he would not certify the car. In hindsight, I suspect this was a requirement so that the car would meet Mercedes Benzs certification specifications. I now understand how I was manipulated, but at the time, I reasoned that the tires werent brand new so I would have to replace them someday anyhow. I am requesting your assistance so that the fraudulent charge of {$1500.00} is refunded. As well as all associated additional taxes and finance charges relative to the unauthorized final sales price of the car beyond the agreed upon price of {$24000.00}. Please see attached PDF file : " XXXX XXXX - Hidden Charge by Mercedes Benz '' for documents providing chronological details.
06/22/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 92130	Web
My issue is with Mercedes-Benz Financial Services ( " MBFS '' ). In XXXX XXXX I leased a new vehicle and set up autopay for my monthly payments at that time. In or around XXXX XXXX, I wanted to change the bank acct from which my autopay would be deducted. I went to MBFS 's website, but was unable to process my request because my payment was due in less than 7 days. When I called customer service, I was told to make a one-time payment in order to avoid that month 's autopay and then change my autopay acct for future monthly payments. Per MBFS 's instruction, I made a one-time payment, but then received a message from them stating that my auto payment for that month would still be processed. After numerous phone calls to cust service & speaking with a supervisor to explain that I did not wish to make 2 payments in one month & asking them to manually block the autopay for that month because I had already paid, I was advised there was nothing they could do & my only option was to place a stop payment on my autopay through my financial institution ( an option that typically costs upwards of {$30.00} ). I hesitatingly did so in order to avoid a double payment for that month. After again following their precise instructions for handling the situation, MBFS billed me a " returned payment fee '' for the blocked payment that they had instructed me to block. I again called cust service who said they would request a reversal of the fee. Strangely, the paper invoice I had received stated the fee as {$2.00} higher than what my online account displayed & what cust service said the fee was. Cust service was unable to explain this discrepancy to me, but ultimately reversed a fee ( I received no record of amount reversed ). I then began receiving invoices for a {$2.00} " returned payment fee. '' My online account also reflected a {$2.00} fee, but there was no further explanation as to what this " fee '' related to. I again called cust service on XX/XX/XXXX & spoke with " XXXX '' who stated that the {$2.00} was for " past due taxes '' & that she needed to contact their tax dept. ( which was closed ), but assured me she 'd call me back within 2 days at the latest with an explanation. I never received a call from XXXX. On XX/XX/XXXX, I again called cust service & spoke with " XXXX '' who stated that the {$2.00} was a tax that could not be waived, with no explanation as to what it was a tax on. I explained that it was likely related to the prior reversed returned payment fee & requested to speak with a supervisor, but due to an extended wait time, XXXX assured me that the sup. ( XXXX ) would return my call. I never received a call from XXXX. Today, XX/XX/XXXX, I tried to access my online account to see if anything had changed, but was unable to do so as the site was down ( a seemingly recurring issue ). I then tried again to call cust service, was routed to a " XXXX XXXX '' ( I believe ) who turned out to be in the lease-end dept & he tried to transfer me to cust service but was unable to bc they were " closed. '' ( At apprx. XXXX PST. ) XXXX did not seem to know why cust service would be closed, so he again assured me that he 'd pass along my message & ask them to call me back. It 's been over 2 hours since I called & I have not heard back from MBFS. Frankly, I am exhausted from my numerous attempts to resolve a simple issue with them & their inability & unwillingness to properly address the issue. I have never experienced this level of incompetence & unprofessionalism from a financial institution. I believe MBFS 's actions & practices are unethical, to say the least. Further, it does n't strike me as legal to assess purported fees/taxes on a person while unable to explain what they relate to. Also do n't understand why there are discrepancies b/w paper & online invoices & why cust service/online srvs are so often down. I believe this is a mistaken charge. If someone can accurately explain its validity I will pay. Pls help.
03/07/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	MI 481XX	Web
Per XX/XX/XXXX MB Trust CFPB has jurisdiction. I leased a brand new XXXX Mercedes Benz CLA250 on XX/XX/XXXX. I was told that the vehicle was covered in full by a manufacturer 's warranty. Additionally I purchased a maintenance plan to cover all other repairs/maintenance that were my responsibility pursuant to terms disclosed at time of the lease. The vehicle has been to the dealer 9 times and out of service more than 63 days for serious life threatening safety issues that impair the use and value of the vehicle. Unfortunately the defects have not and will not be repaired because Mercedes Benz Financial Services through its acting as my attorney in fact cancelled the manufacturers warranty because the warranty repairs exceed the amount of money allocated for warranty repairs. Thereby, leaving me with a choice of being responsible for $ 30,000+ in repairs of defective parts or fees for early termination. DaimlerAG has a policy to deny warranty claims when they exceed the warranty repair costs allocated to each vehicle. The warranty repair costs allocated to each vehicle are determined by the purchase price of the vehicle. The more paid for the vehicle the more money allocated for warranty costs to repair the vehicle. This policy also applies to recall campaigns. Recalls are only issued for the higher end models even though the defective parts are on all MB vehicles. In total there are approximately XXXX recalls for Mercedes Benz vehicles to address issues I have been complaining about since XX/XX/XXXX. However, for my model vehicle the manufacturer has only issued service bulletins. Currently, there are more than XXXX service bulletins for defective parts on the vehicle because the costs to repair the defects exceed the amount allocated for warranty repairs and recall repairs are mandatory as opposed to service bulletins which are discretionary repairs. Once the amount allocated for warranty repairs has been reached Mercedes Benz Financial Services acts as the lessees attorney in fact and cancels the manufacturer warranty. See recall alerts, corresponding Service Bulletins, and Note XXXX XXXX pays dealers and service managers bonuses for every warranty claim denied that exceeds the amount of warranty repair costs allocated per vehicle. The bonuses are paid in the form of profit sharing arrangements and bonuses to management. To discourage dealers from repairing defects mentioned in service bulletins which would result in the submission of warranty claims that exceed the amount allocated for warranty repairs per vehicle. See Note XXXX In fact the Annual Report states ... '' A provision for expected warranty costs is recognized when a product is sold or when a new warranty program is initiated. '' XX/XX/XXXX Annual Report page XXXX At no time was it disclosed that Mercedes misrepresents the amount of vehicles with defective products and life threatening safety defects by limiting vehicle recalls to drivers in high value vehicles who have not made previous warranty claims. Nor was it disclosed that the manufacturer 's warranty was limited to a certain dollar amount that is pre-determined by the manufacturer and that Mercedes Benz Financial Services would act as my attorney-in-fact and cancel/amend the vehicle 's Warranty leaving me responsible for the costs to repair defects in the vehicle that were represented to me as being covered by the manufacturers warranty. This policy and practice is discriminatory and illegal because it has a disproportionate " adverse impact '' on persons in a protected class. Additionally, MBFS failed to disclose that my vehicle and I would be part of a study called XXXX which monitors drivers and their driving habits as part of an automated driving project called XXXX. At no time was I given the option to opt out of this program. At no time was this program disclosed to me at the time of my lease.
10/08/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 60419	Web	Older American
We finance a joint loan with Mercedes Benz Financial Services. XXXX XXXX, 2016 the loan was paid off as a provision of a settlement from a charge complaint with the IL XXXX XXXX XXXX XXXX that has a confidential clause attached and they denied and refused my request of reporting all XXXX satisfactory payments made on time to the credit bureau when I found out and asked them on XXXX XXXX, 2016 why they did n't report me with this finance loan and they said becuase they are NOT required nor obligated and I the co-buyer was the one who made all XXXX payments to them by my personal check then we found out with XXXX that for the co-buyer they did n't list this loan debt it just shows that they did a inquiry on the date on XXXX XXXX, 2016 we got the car and financed not showing that I am a customer as well with them on a joint loan and on this loan and for the buyer they have the wrong balance information listed {$25000.00}. when pay off was {$25000.00} and they stated that this is a individual instead of joint account which is false too. And they are and have been from the beginning retaliating and discriminating against us also giving us a hard time with not putting both names on all our correspondence and billing invoices from having made previous complaints with XXXX and IL attorney general. On XXXX XXXX, 2016 @ XXXX when we called in for payoff information for a settlement agreement denied us pay off information and any and all information on our loan account. The rep then told us to email XXXXXXXXXXXX and we did n't cause we didn ' t do buisness with daimler. I asked to speak with a manager her name was XXXX and she told me that becuase I made a complaint on them that my acct is in litigation and that on XXXX XXXX, 2016 @ XXXX a XXXX and they did n't send us a letter NOR call us about this to tell us why its in litigation the XXXX & attorney general complaints been resolved back in XXXX 2016 XXXX put in our acct notes that if we call asking any questions to email that address with any questions payoff and balance and did n't give us a persons name and contact number. That is modification of services normally offer when a customer call in to their client center XXXX and that is not right. They then gave our information to a warranty company with our purchase information, date SUV was bought, car payment information when the suv was certified and had a warranty on it. They also informed XXXX collection agency and informed them of this purchase and finance loan and had them contact me about a debt that is charged off and have n't been on my credit in over 12yrs. They still have not provided us with a payment history after our request and they are disclosing information in the payoff I received today of information that should not be in this letter. They knew about the settlement signing cause a XXXX XXXX exec rep was present via telephone during the signing and instructed, assisted the wire transfer for the pay off payment. XXXX XXXX has made it personal and was saying inappropriate things to me via telephone on XXXX XXXX, 2016 when I requested her to inform the credit bureaus and she said I respectfully decline and deny your request this was a business decision and we chose NOT TO when she saw that I was n't accepting the XXXX she was saying she was trying to upset me and when that did n't work she got mad and hung up in my face. they are and still been giving me the run around I called there client center and emailed XXXX and they still have n't gotten back to me nor gave me what I requested. everytime I call they leave me on hold XXXX plus minutes then say there is no one available for me and I say well I never got that call from the notification on XXXX/XXXX/16 when I was told by XXXX the floor manager that my acct says someone will call me but dont give a time. XXXX also say that they do report for the co-buyer
01/28/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	AZ 850XX	Web
I have a lease on a XXXX seat XXXX electric smart car made by Mercedes Benz but actually very cost effective ( XXXX seat ). When you lease the car, you are advised to also sign up for a battery assurance policy, allegedly because the batteries, which have their own vin number, could fail at any time. Unfortunately the financial services for the lease and the battery assurance program, even though they are from the same company, are handled by separate offices. One office has always had auto-payment enrollment via website, and the other could until recently only be reached via fax. This past fall I attempted to enroll in the latter auto-payment via fax, and was not successful. I was contacted in XX/XX/XXXX regarding a late payment, and explained that I had enrolled. At that time I received a verbal confirmation from the office staff over the phone and an apology. Unfortunately the following month I received another late payment notice. Again, I called the office, and was at this time referred to another, recently created auto payment enrollment website. This time, after completing the web-enrollment, I received an email confirmation. I then called the staff again to make sure that the appropriate payments had been made, that the account was current, and that the issue had been resolved to their satisfaction. They assured me that everything had been taken care of, and again apologized for the inconvenience. Approximately one month passed, then suddenly, inexplicably, XXXX adverse actions from Mercedes Benz Financial Services appeared on my credit report via all three rating agencies. I immediately called the office. At first I got another apology. I faxed them a printout of the adverse actions. They were not aware that this had happened ( probably the responsibility of yet a third office ) said they had no idea what could have caused it. Also had no idea why, despite the dates listed on them, they did not post to my credit score until, suddenly, all at once, in XX/XX/XXXX. Had they actually posted as of the dates listed on them I would have escalated this dispute immediately. They confirmed that according to their system, the payments were current, and explained that they would call me back every day until it was resolved. A week passed and I received no phone calls. I called again, was again given an apology, and this time demanded to see a statement of payments made. I received a statement via email from another, unknown department ( this time " XXXX '' ) which included the attached statement of current payments. I responded to that email requesting a resolution to the issue. The sender did not reply. Finally I called again and was told the following, despite the very contrary repeat assurances I had in the past : " the failure to effectively sign up for auto payment was your fault, and when its the customer 's fault, we do n't remove the action. You are not allowed to speak with anyone else on this, all I can tell you is that they wo n't remove it because it was your fault. '' Obviously I disagree with that characterization of the events, which was totally inconsistent with what I was repeatedly told, and obviously intended to mask their own internal disarray with respect to their multiple smart-car programs and offices, these being clearly still work in progress and something the company might phase out entirely. As a final gesture, I visited the dealership where I leased the car. The sales manager there agreed that I was right, conceded that the whole smartcar operation is a mess and frankly not worth it for small amount of revenue generated for the company. They certainly seem to want to spend as little time as possible ensuring the accuracy of their files or providing service to their customers. I would advise others to stay away from Mercedes Benz Financial Services.
10/23/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 32750	Web
During the process of refinancing my home I discovered that Mercedes Benz Financial Services ( MBFS ) had reported multiple events of late payments that were over thirty days to the XXXX major credit reporting agencies. This was entirely unfounded. XX/XX/2016, I contacted MBFS as well as the XXXX major credit bureaus and disputed multiple errors on my credit report committed by MBFS. At that time I was told by the XXXX agent that the error would be corrected within approximately thirty days from the date of the dispute. According to the agent the thirty day term was per policy and could not be expedited. I reluctantly surrendered to the MBFS policies and put my financial plans on hold for the 30 day duration on the condition that MBFS sends me an official letter describing their error and clarifying that they are in the process of resolving it. My hope was to present the letter as documentation to my customers, lenders, and the credit bureaus. I was sent a standard unsigned printed form. One might agree that a mailed form that does not have a signature in the signature block does not carry any official capacity. I contacted MBFS several times in an attempt to get an officially signed letter and spoke with several agents, some claiming to be supervisors who turned out to be " subject matter experts '' pretending to be supervisors, in order to get an official letter stating that the relevant MBFS credit reports were in error. I was promised multiple times that a signed letter would be mailed, but I continued to receive duplicates of the original unsigned form. Eventually I gave up and waited till the XXXX days have lapsed. I checked my credit reports and found that they still carried the errors. I contacted the credit bureaus and was informed that MBFS contested my dispute. I contacted MBFS and was flatly told that MBFS has done all that it can do. At that point I insisted to speak to a manager, and finally was able to reach an individual named XXXX after approximately five hours of waiting on the phone. XXXX said that she would take ownership of the issue and would send me an official signed letter. She also committed to stay on top the issue until it is resolved and insisted that I wait another thirty days, placing my financial life on hold again. I contacted the major credit bureaus again and opened new disputes. After the new round of thirty days lapsed, I checked my credit reports and found that the MBFS error was still there. At that point I contacted the MBFS offices and was unable to reach XXXX. I was continuously stone walled, but was sent yet another unofficial form in the mail. I finally hired an attorney who was able to resolve the issue within roughly one week. As you can see Mercedes Benz Financial Services has placed a Mercedes Benz loyal customer in a financially vulnerable position, by sabotaging his financial credit without placing any effective effort to own the problem and drive it to resolution. Instead they focused their effort on misstatements, empty commitments, and collectively avoiding responsibility. It took roughly 85 days for Mercedes Benz Financial Services to clear their error. This was not because of their commitment to their customer, or even for their zealous passion for protecting the reputation of their brand. It was a result of my attorney 's excellent efforts to pressure MBFS. I have clearly demonstrated diligence by making sure that my lease payments were timely.I have had financial relationships with multiple institutions ranging the automobile, housing and credit card industries. I must say that MBFS was the only such institution to inflict such damages without any credible effort to to guard a brand loyal customer. As a result Mercedes has lost their credibility with me, resulting in my complaint to the CFPB.
06/10/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX XXXXX	Web
XXXX Vehicle Purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not detailed & Required Accessories not issued. Console needs repair.Note- Vehicle States Intermittently " Vehicle Not in Park, Vehicle May Rollaway '' XXXX Vehicle was taken to Mercedes Benz XXXX for Detail Service and Given Required Accessories. Refund Check was still not available as previously stated by XXXX XXXX. XXXX Given Mercedes Benz Financial Contact InformationXX/XX/2015- Vehicle taken to Mercedes Benz XXXX XXXX Indicator Light on for Tire Service XXXX Sent text to XXXX XXXX, XXXX It 's XXXX. I will be in town this week. Will you let me know when I can stop by and with who to pick up my check with please. I have scheduled a Maintenance Appointment with my regular Mercedes Benz Service department. Thank you! " XXXX Resent Text message to XXXX XXXX XXXX No response from XXXX XXXX XXXX, Responded, XXXX Morning, I just checked and my accts payable said your check was mailed last week. '' No check received -Note : Vehicle Braked Unnecessarily on Intersection which could have caused an accident XXXX Car Serviced at Mercedes Benz XXXX for XXXX Limited Warning Limited Warning Light On and Console Replaced ( Service Advisor, initially wanted for me to take vehicle back to Mercedes Benz XXXX to get Console replaced ) -Note : Traction Light Intermittently comes onXX/XX/2015- Vehicle Picked up from Mercedes Benz XXXX from service departmentXX/XX/2015- Left XXXX Finance Manager several voicemails with no call back. XXXX I called back spoke to switchboard operator and I requested to speak to General Manager of Dealership. My request was denied and I was transferred to XXXX, Pre-Owned Sales. XXXX stated that he would convey information to finance with no call XXXX BBB complaint # XXXX filed against Mercedes Benz XXXX " I was promised that I would not be charged {$13000.00}, Nitro Tire Charge for my new vehicle purchase on XXXX/XXXX/2015. I was originally informed by my Salesman that if the check was n't ready within the week that, he would have it ready when i pick up my registration sticker. When I picked up my registration sticker, I was then informed that it would be ready in a few days. When I messaged him later through the week I was informed that the check was in the mail. On XXXX XXXX I contacted left Finance Manager XXXX several voicemails with no call back. I requested to speak to the general manager of the dealership and I was transferred to the XXXX, Manager of Pre-Owned. XXXX stated that he would convey the message to finance with no call back on XXXX/XXXX/2015. And it goes on and on and on so I am now asking for the assistance of the BBB. " XXXX Contacted Towing company via Mercedes Benz Roadside Assistance per XXXX and no Loaner would be issued. I was informed by Roadside Assistance that I must be present to sign although no signature was requested/required at the time the vehicle was picked up. ( Vehicle stated " Service Required, Do Not Shift Gears '' ) XXXX Left voicemail for XXXX that vehicle was picked up and towedXX/XX/2015- XXXX called stating that vehicle has not arrivedXX/XX/2015- Left voicemail for XXXX and contacted Towing company per XXXX voicemail that vehicle has not arrived. XXXX XXXX called and stated for me to contact Roadside assistance for location. XXXX Contacted Roadside Assistance and they would not release location to me without a Police Report. XXXX E-mailed sent to XXXXXXXXXXXX & E-mailed sent to XXXXXXXXXXXX stating " I have contacted several team members as well as members of management and I have XXXX issue that that I have unresolved. I am hoping that you can assist me. Please call me at XXXX. '' No Returned E-mail or call XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/23/2016	Yes	Consumer Loan Vehicle lease	Shopping for a loan or lease	CA 90503	Web
I went to this dealership because it 's close to home but most importantly my mom has purchased her last XXXX cars from them. I was hopeful I would be treated right and receive a decent deal, I was n't looking for a miracle. This was my first time walking into a dealership without my parents there to assist me in this negotiation and the dealership was sure to take advantage of a young, XXXX female. I firmly believe I was given a raw deal due to my age, race and gender. Many car dealerships take advantage and jack up interest rates for minorities and I have no doubt this dealership practices these tactics. I had so many issues with this dealership from the lease to the service to the return of the lease. The only bright spot was the last person I spoke to who apologized for the XXXX service I received all around from XXXX Mercedes. Here are my gripes : 1. Leased a car at an extremely high rate because I did n't know the dealership put negative equity on the contract 2. The car sat on in the showroom for a long time so the key battery died, the car had some weird sticky residue on the passenger side door and the air pressure in the tires had to be corrected a week after I drove off the lot - I would think all of these should 've been checked or taken care prior to leaving ... at least that is the quality I would expect from Mercedes Benz 3. 27 month lease terms are a joke and a good way to get the consumer to pay for the car registration even though they only get to use it for 3 months of the year 4. This was my first lease and was not made aware of the disposition fee which is highway robbery at {$590.00}, oh but do n't for get to add the sales tax which brings it to just under {$650.00}. Nice 5. Multiple service department issues - making appointments but then being told the advisor I was assigned is on vacation, asking for a rental car but then getting told they did n't have any and I did n't reserve one 5. Difficult getting people to return a phone call when it 's time to turn in the lease. I was told to call back to schedule an appointment to return the car but could not get the Client Manager to return my phone call. I e-mailed and called 3 times and finally left a frustrated voicemail before I received a call back. 6. To top everything off, I received e-mails saying I was eligible for 5 months of payments waived ... well that 's great considering I had already finished my monthly payments. What a joke! I expected much better service from Mercedes Benz of XXXX XXXX, Mercedes Benz especially because they are a luxury car brand with a good reputation. Sadly, my view of this dealership and MB has been soured by all of my experiences over the last two plus years. I have excellent credit and still received a terrible deal, I do n't know what the interest rate. I wonder how many other people they have conned, especially minorities. If I ever go back to Mercedes, I will be sure to go to another dealership. I learned a lot from my experience with MB of XXXX XXXX and will NEVER make those mistakes again, I know what to look out for now and can spot the shady practices. So I guess I can thank the dealership for that. Do n't even bother trying to get a return phone call from Customer Service at Mercedes Benz Financial Services. Train wreck after train wreck for this dealership and company. If you are a minority, I suggest taking a much closer look at your contract, ask what the interest rate is, be more diligent. I am not just some bitter person who wants to write a bad review or I 'm being paranoid. This is a real thing and I never thought it would happen to me but it did and I will never forget this experience for the rest of my life. XXXX
02/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60419	Web	Older American, Servicemember
I just got my credit report from XXXX today from after disputing for the umteeth time and Mercedes Benz Financial Deleted a good standing account off my credit out of retaliation! Mercedes Benz Financial services granted a joint account to us on XX/XX/XXXX at a 3.4 % for 66months where we paid off this account on XX/XX/XXXX much sooner than expected in the amount of {>= $1,000,000}. MBFS has since then intentionally provided false and inaccurate payment information and payment history for this account where they would NOT remove on the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX placeing and X for unknown for the month or not include that month at all in the payment history then for over a year since paying MBFS for payment receive MBFS made a very high debt of {$50000.00} with incomplete reporting and furnishing to credit agencies causing my credit score to drop and me getting financed at a good rate for the next vehicle I bought behind them XXXX XXXX not seeing our credit worthiness cause us to get approval at a 5.4 %. I have since then complaint to IL Attorney General, XXXX, FTC, IDFPR and Dept of Human Rigths about this repeated RETALIATION! Where MBFS refusing to correct the payment received to the factual amount of {$25000.00} when after everytime I dispute what they kept intentionally providing that is wrong MBFS provides inaccurate payment received as {$460.00} which isn't true. MBFS will not show the correct payment recieved on XX/XX/XXXX as {$25000.00} on me but did after a year for the co-buyer XXXX XXXX XXXX on XX/XX/XXXX! Instead of MBFS correcting the false and inaccurate infor of {$460.00} they DELETED IT OFF MY CREDIT ALTOGETHER which is wrong cause this is a good standing account that other creditors should see! if I did NOT pay them & didn't pay them off they would have place a negative rating on me showing unpaid with a large or high debt that is outstanding and would not DELETED off me so this is intentionally HARMING AND HURTING MY CREDIT! for them to wait over 2yrs to correct a dispute that they refuse to then deleted is unacceptable! I WANT THIS REINSERTED AND CORRECT ON MY CREDIT AT ONCE! MBFS is RETALIATING AGAINST ME AND I AM A XXXX XXXXYR OLD VETERAN that is being harassed, bullied and strong armed by them daily! I have disputed with consumer agenceies all three over 10 times and Mercedes Benz Financial Services refuses to fix and correct this. I just did a complaint again with IL attorney general complaint number # XXXX MBFS attorney and them purposely provided both our full social security number mishandling and abusing our financial information! I socials should NOT have been placed XXXX for all who came in contact with their documents MBFS provided to XXXX for my complaint to see! that was irrevelant and done maliciously! This is the third time they done this. MBFS waited til after they responded to my complaint and disputed with XXXX to DELETED if off my credit report! This is wrong and really hurtful and upseting that I came to them in good faith paid all payments on time gave them my business for MBFS to mess up and purposely XXXX up my credit cause I made multiple complaints on them prior where they are currently under investigation with dept of Human rights for Civil Rigths violation 2017CP0857 & 0859 from discrimination where they did a credit correction for another customer XXXX XXXX on XX/XX/XXXX where they updated and did his credit correction but refused my credit correction. along with many more discriminating and retaliating business practices cause I am XXXX, elderly and a veteran in which they knew this prior to our business dealings. This complaint at all locations should be closed down and FINED!
02/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60419	Web	Older American, Servicemember
I just got my credit report from Transunion today from after disputing for the umteeth time and Mercedes Benz Financial Deleted a good standing account off my credit out of retaliation! Mercedes Benz Financial services granted a joint account to us on XX/XX/XXXX at a 3.4 % for XXXX where we paid off this account on XX/XX/XXXX much sooner than expected in the amount of {>= $1,000,000}. XXXX has since then intentionally provided false and inaccurate payment information and payment history for this account where they would NOT remove on the month of XXXX XXXX XXXX placeing and X for unknown for the month or not include that month at all in the payment history then for over a year since paying MBFS for payment receive XXXX made a very high debt of {$50000.00} with incomplete reporting and furnishing to credit agencies causing my credit score to drop and me getting financed at a good rate for the next vehicle I bought behind them XXXX XXXX not seeing our credit worthiness cause us to get approval at a 5.4 %. I have since then complaint to IL Attorney General, BBB, FTC, XXXX and XXXX XXXX XXXX XXXX about this repeated RETALIATION! Where MBFS refusing to correct the payment received to the factual amount of {$25000.00} when after everytime I dispute what they kept intentionally providing that is wrong MBFS provides inaccurate payment received as {$460.00} which isn't true. MBFS will not show the correct payment recieved on XX/XX/XXXX as {$25000.00} on me but did after a year for the co-buyer XXXX XXXX XXXX on XX/XX/XXXX! Instead of MBFS correcting the false and inaccurate infor of {$460.00} they DELETED IT OFF MY CREDIT ALTOGETHER which is wrong cause this is a good standing account that other creditors should see! if I did NOT pay them & didn't pay them off they would have place a negative rating on me showing unpaid with a large or high debt that is outstanding and would not DELETED off me so this is intentionally HARMING AND HURTING MY CREDIT! for them to wait over XXXX to correct a dispute that they refuse to then deleted is unacceptable! I WANT THIS REINSERTED AND CORRECT ON MY CREDIT AT ONCE! MBFS is RETALIATING AGAINST ME AND I AM A DISABLE XXXX OLD VETERAN that is being harassed, bullied and strong armed by them daily! I have disputed with consumer agenceies all three over XXXX times and Mercedes Benz Financial Services refuses to fix and correct this. I just did a complaint again with IL attorney general complaint number # XXXX MBFS attorney and them purposely provided both our full social security number mishandling and abusing our financial information! I socials should NOT have been placed XXXX for all who came in contact with their documents MBFS provided to XXXX for my complaint to see! that was irrevelant and done maliciously! This is the third time they done this. MBFS waited til after they responded to my complaint and disputed with Transunion to DELETED if off my credit report! This is wrong and really hurtful and upseting that I came to them in good faith paid all payments on time gave them my business for XXXX to mess up and purposely XXXX up my credit cause I made multiple complaints on them prior where they are currently under investigation with XXXX XXXX XXXX XXXX for XXXX XXXX violation XXXX & XXXX from discrimination where they did a credit correction for another customer XXXX XXXX on XX/XX/XXXX where they updated and did his credit correction but refused my credit correction. along with many more discriminating and retaliating business practices cause I am XXXX, elderly and a veteran in which they knew this prior to our business dealings. This complaint at all locations should be closed down and FINED!
10/05/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 466XX	Web
I noticed an account on my credit reports from a company called MERCEDES-BENZ FINANCIAL that I never had any business relationship with. MERCEDES-BENZ FINANCIAL was attempting to collect on a an alleged debt in the amount of {$26000.00}. I have had my identity stolen and sent MERCEDES-BENZ FINANCIAL a letter via certified mail XX/XX/ notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent MERCEDES-BENZ FINANCIAL account with the credit bureaus. MERCEDES-BENZ FINANCIAL however continued reporting this fraudulent MERCEDES-BENZ FINANCIAL account with the credit bureaus. XX/XX/XXXX I noticed MERCEDES-BENZ FINANCIAL still reporting this fraudulent MERCEDES-BENZ FINANCIAL account with the credit bureaus. I then sent MERCEDES-BENZ FINANCIAL a DEBT VALIDATION LETTER via certified mail XX/XX/XXXX requesting the agreement between MERCEDES-BENZ FINANCIAL and myself and the original application for the account. MERCEDES-BENZ FINANCIAL violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) MERCEDES-BENZ FINANCIAL was required to cease collection efforts until the alleged debt was validated but failed to do so. MERCEDES-BENZ FINANCIAL continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent MERCEDES-BENZ FINANCIAL account XX/XX/XXXX on my credit reports. I then sent MERCEDES-BENZ FINANCIAL a FAILURE TO RESPOND letter via certified mail XX/XX/XXXX XXXX XXXX MERCEDES-BENZ FINANCIAL violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. MERCEDES-BENZ FINANCIAL violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. MERCEDES-BENZ FINANCIAL violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) MERCEDES-BENZ FINANCIAL was required to cease collection efforts until the alleged debt was validated but failed to do so. MERCEDES-BENZ FINANCIAL continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, MERCEDES-BENZ FINANCIAL FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XXXX XXXX, XXXX. MERCEDES-BENZ FINANCIAL violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent MERCEDES-BENZ FINANCIAL account XX/XX/XXXX on my credit reports and it is still there as of this filing.
07/10/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	MA 01841	Web
to whom it May concern ; I want to inform you that on the XXXX of month XXXX of 2019 I went to the Mercedez Benz of XXXX dealer with the intention of buying a XXXX XXXXXXXX XXXXXXXX. After filling out the credit application to make the credit extension on my behalf, the credit that was successfully transferred, the intermediary to make this transaction, the credit holder on my behalf was Mercedez-Benz Financial Services, LLC DbA Mercedez -Benz Financial Services . ( 12 CFR 1026.36 ( a ) ( 1 ) ( i ) ). perform any of the following activities : solicit, offer, organize, assist a consumer in obtaining or requesting to obtain, negotiate or obtain or make an extension of consumer credit for another person ;. Do not apply to make a loan, do not apply to make a lease and it is evident since the credit application that you completed was used to stop the vehicle in its entirety. Application 12 CFR 1026.2 ( 3 ) ( i ) means the submission of a consumer 's financial information for the purposes of obtaining an extension of credit. After this process that I was never aware of because there was no disclosure of said process, they presented me with a leasing contract, a contract that made the personal property that was the product of the credit transaction in my name passed into the hands of XXXX XXXX. I want to object and sue for this credit transaction because according to the Truth In Lending Act it was not a fair transaction since I was never notified that said transaction in my name paid in full the vehicle that is personal property which they acquired based on a presumptive contract and concealing the veracity of the facts they seized from the property that is for personal, family and domestic use ( 12 ) Consumer credit means credit offered or extended to a consumer primarily for personal, family, or household purposes. At no time did the bank or the dealer notify me that the credit transaction was for the full amount of the cost of the property, hiding the facts. 15 USC 1602 ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. I am the consumer 15 USC 6809 ( 9 ) ( 9 ) Consumer The term consumer means an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual. 15 USC 1692b ( 3 ) I am the natural person. It was omitted at all times that my personal property that arose from said transaction was paid in full and it was made me see that I applied for a lease when I filled out a credit application, not lease, since such application does not exist but in the products that the bank, the financial institution sells as a product. ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. I sue them because they made me sign a presumptive contract, with a deceptive arbitration clause and said contract did not It shows the credit transaction in my name, it does not show cost in dollars of what the credit taken in my name cost in dollars. 15 USC 1681 ( a ) ( 1 ) Truth In Lending Disclorures. I have the right to see the division of said credit transaction. Regulation Z, Regulation M.
05/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	FL 32507	Web
On XX/XX/XXXX I purchased a XXXX XXXX XXXX at Mercedes-Benz XXXX XXXX. My previous vehicle was totaled out I drove over 300 miles to get there. First lets start off by saying it took me 3 months to get a Florida tag! I was promised my first payment to be made because it was new and that was an complimentary service. That didnt happened I reached out to the salesman XXXX to remind him beforehand and he said it would be handled ... however it did not happen! I received an invoice from Mercedes-Benz Financial Services saying that I was late on my first payment! So I called right away and they told me to go ahead and make the two payments and they would later reimburse me.. so I did that. Also the salesman promised me 2 referrals and that didnt happen because my sister and dad bought a vehicle right after me.. however it didnt take place right away I had to make numerous phone calls and I finally talked to XXXX the manager and he said he was going to take care of it he did 3 months later! So now 6 months has gone by and I noticed my paint starting to fade away on my front bumper.. keep in mind my car is white and Its a lot of upkeep due to rain, pollen, and etc.. so it has to be washed more often.. I contacted the dealership and I spoke to XXXX and he asked me to send him a picture and I did I also sent him a picture of the right back side door that had a ding in it and I told that XXXX told me to bring it in and they would fix it.. however due to the fact that I had just been in accident and having to go back and forth to the XXXX 3 times a week and on top of that XXXX XXXX and XXXX XXXX XXXX XXXX and not to forget I have an XXXX year old child! So I mentioned it to XXXX and said XXXX is not here anymore, and as far as the bumper goes its been 6 months and he will have to get back with me on that ... so I waited 24 hrs no call. I went to XXXX XXXX XXXX XXXX XXXX and spoke with an professional to get theyre opinion and the gentleman told me that there is no way that this bumper is the original bumper to this vehicle and it shouldnt be fading away that fast being that car is only 1 year old he said a paint Job normally last 10 to 12 years ... I then stopped by the Mercedes-Benz of XXXX and the gentleman gave me the 1800 number to file a complaint! So I contacted XXXX again and I told him I read the car fax and it stated damage to right front and left rear and he said it was a loaner vehicle that they used at the dealership, he then said you initial the car fax I told him that I spent 10 hours there they showed me 2 cars I test drove both one car had less miles and met the criteria for my loan.. when we returned to the dealership they sent the car right to the car wash and never mentioned it had been in an accident.. it was listed in the back of the XXXX XXXX and no one went through my XXXX XXXX page by page due to the fact they were trying to get the loan and authorization for my account because I had fraud alert on it due to the security breach..so I spent a great deal of time on the phone with them trying to get the clearance! It wasnt until that night I got my vehicle and I was on way back to Florida. I put {$5000.00} down on this car and I feel like they got over on me I feel frauded. XXXX told me he has to speak to XXXX XXXX and he would get back with me.. I talked to XXXX today XX/XX/XXXX she is an customer service supervisor she told me to give her a couple of days to investigate it ... I just want my money back at this point and return the vehicle and take my business elsewhere!
12/15/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	CA 946XX	Web
To whom it may concern : I'm writing this letter to file a complaint about my experience with Mercedes Benz in XXXX, CA. I got a leased car, XXXX, from Mercedes XXXX in XXXX which will end in XX/XX/XXXX. However, due to this pandemic I didn't need my car any longer and I also had plan to visit XXXX for a couple of months. So, I decided to sell my leased car to XXXX. I found out that XXXX buys leased car so I sent an email to Mr. XXXX La, a dealer in Mercedes XXXX, on XX/XX/XXXX but didn't get a response. So, I directly called MB XXXX and spoke with Ms. XXXX XXXX XXXX on XX/XX/XXXX. I explained my situation the same as I mentioned in my previous email to XXXX. XXXX said that XXXX could buy my leased car but also XXXX dealer could buy my leased car without termination fee and wanted me to bring my car for appraisal. She contacted me several times and said they needed a used XXXX model because of the lack of inventory of XXXX models. According to her " they are in dire need of pre-owned XXXX models '' In XXXX, I came to attend my mom 's funeral in XXXX, and I got an email from XXXX again. She wanted to schedule appointment for my car to XXXX dealership. Since I decided that I'm not going back to the US until next year in XXXX, I decided to bring my car to XXXX XXXX. I emailed XXXX that it's acceptable if my friends drop off my car since I'm in XXXX. She said if my friend couldn't drop off my car to XXXX, it's okay to return to XXXX XXXX MB as well. I double checked with XXXX again if I had to pay a termination fee because this is an early return so I wanted to make sure. Her answer was I just need to pay for the disposal fee which is only about {$650.00}. On XX/XX/XXXX, I got a mail from Mercedes ( sent to my friend 's address since I'm not in the US ). I was shocked to see that I have to pay {$420000.00}. It says I need to pay remaining balance within 10 days. ( Remaining balance - {$3600.00} plus vehicle turn-in fee {$650.00} ) I called the MB financial team to explain. They said they would file a complaint for me but I still have to pay for remaining balance and they said I need to talk to MB XXXX directly. I called XXXX XXXX and spoke with XXXX and XXXX. XXXX said XXXX XXXX has a payback program but XXXX XXXX doesn't. If you see my attached email, you can see that it was XXXX who suggested me to drop off my car to XXXX XXXX. On the other hand, XXXX XXXX dealership didn't explain anything to my friends either. She said she could take care of it in her email but seems like she even didn't explain my situation to XXXX XXXX dealership. XXXX said it was miscommunication and they can't do anything since I returned my car already. If I have to pay my remaining balance for my lease after early return, why would I return my car? It doesn't make any sense. I assume that they just need my XXXX model to re-sale. I'm very frustrated. XXXX already knew about my situation that I was going to sell my car to XXXX to avoid an early return termination fee and she told me that XXXX can buys my leased car but XXXX dealer also need pre owned XXXX so badly. So I believe that she could take care of it. Since then, we have 17 email conversations. I also do have voice messages she left. I can send the voice message files as well if needed. So, this is where I am at right now. Please I do need your advice in order to protect my rights. Thanks for your time and I look forward to hearing from you soon regarding my issue. Sincerely,
07/06/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MA 01841	Web
I hereby inform you that I do not agree with your decision to refuse to extend my credit, I also inform you that this decision violates the Truth in Lending Act. and the Fair Credit Law, Regulation z. I am the consumer, 15 USC 6809 ( 9 ). 15 USC 1692a ( 3 ). 12 CFR 1026.2 ( 11 ). I am the natural person. One of the services of a financial institution is to extend credit to the consumer and communicate that they declined my credit application on my behalf because an agency, XXXX, supposedly credit reporting agencies that do not have any legal authorization to use presumed information without my consent, this it is a total violation of 15 USC 1692b ( 1 ) ( 2 ) ( 3 ). They smear my name with their system that is not contained in any of the federal fair credit laws. The Score is not a federal law and much less should it be taken into account when making a credit extension since this is only an invention of the banks to control consumer credit. this is also not contained in the Truth in Lending Act, Fair Credit Reporting Act. I totally reject this deduction from Mercedes-Benz Financial Services as their decision is not supported by any federal law, no federal code. It is not contained in the Fair Credit Act or the Equal Credit Opportunity Act. I do not request to create a loan and less to fill out a loan application. Under what code do you decline my application to be granted credit? 15 USC 1602 ( I ). And in accordance with 15 USC 1602 ( h ), I did not authorize any agency, non-federal, without authority to decide for me, to enter a defamation judgment against my name and this would result in the refusal to complete the Credit Extension. That is a misrepresentation. Credit scoring and scoring is not a federal law and is not required under any law and it is not sustainable to deny an extension of credit for an alleged score, the score is an invention that banks adopted to confuse the consumer with what it really is. it's credit. 15 USC 1602 ( f ) The term " credit '' means the right granted by a creditor to a debtor to defer the payment of a debt or incur debts and defer their payment. I don't recognize what you call a credit report, much less a credit score. Both are just camouflage so as not to show what the credit really is. Consumer ( 11 ) Consumer means a cardholder or natural person to whom consumer credit is offered or extended. However, for termination purposes under 1026.15 and 1026.23, the term also includes a natural person in whose principal residence a security interest is or will be retained or acquired, if that person 's participation in the home ownership is or will be subject to to the security interest.. ( 11 ) Consumer means a cardholder or natural person to whom consumer credit is offered or extended. However, for termination purposes under. 1026.15 and 1026.23, the term also includes a natural person in whose main home a security interest is retained or will be acquired, if that person 's ownership interest in the home is or will be subject to Security Interest. For purposes of 1026.20 ( c ) through ( e ), 1026.36 ( c ), 1026.39 and 1026.41, the term includes a confirmed successor in interest. ( 12 ) Consumer credit means credit offered or granted to a consumer primarily for personal, family, or household purposes. Nothing prevented them from extending the requested credit on my behalf. I am the consumer, I am the natural person and I am not allegedly obligated.
11/06/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem extending the lease	AL 36117	Web
On XX/XX/XXXX, I discovered that my personal social media accounts, internet accounts, especially banking information was stolen and being used for fraudulent accounts, emails, contacts, social media accounts, credit cards and other personal information regarding myself or others. Fraudulent activity is still occurring with my personal information and social media accounts. An example of the fraudulent unethical activity by others involves the use of my personal information, social security number, social media accounts, banking information, insurance cards, credit cards or other personal information. This complaint is regarding XXXX XXXX XXXX, an automobile company in XXXX, Alabama. The lease on my XXXX XXXX vehicle ended in XX/XX/XXXX. I remained in contact with the company, but could not turn in my vehicle, because my husband was under the care of many doctors during this time. I am XXXX and I had doctors appointments that I did not receive, because of my constant attention to his medical care during this time period. My husband died on XX/XX/XXXX of a XXXX XXXX. Two weeks after the funeral, I received a phone call indicating if I did not turn in my vehicle to the nearest XXXX XXXX dealership, my credit would be impacted. I thought I was turning my vehicle in for an inspection since this was the last conversation that I had with XXXX XXXX of America. Upon turning in my vehicle, I was not offered another vehicle or if I wanted to keep the vehicle. After I learned that my vehicle would not be returned to me, I went to the dealership to try to purchase another vehicle but was unable to do so due to this loan on my credit report. This dealership took all of my credit information including my insurance policy information, which led me to believe I would be purchasing a vehicle. Later, I was offered a vehicle with an enormous interest rate and I turned down the loan. Later that night, I applied for several credit cards to prove to myself that I did not have bad credit. I was approved for 3 or 4 major credit cards on that day, which included XXXX XXXX, XXXX XXXX and several department store cards. My personal information was submitted to 21 lenders over a course of 3 or 4 months and I still do not have a vehicle. My personal information has been stolen and used fraudulently by others to access my emails, contacts, social media accounts, and other personal identification. I am XXXX and have been unable to get to doctors appointments, social events, church, school activities and this morning to vote. I share a car with my daughter to try and complete most activities and that is what I did this morning to vote. It was only at this time that I realized the magnitude of this situation and how much my basic human and civil rights have been violated. I have been used enormously by the fraudulent use of my personal information and social media accounts. It is my belief that my vehicle was intentionally stolen from me to silence my voice and to limit my social activities, attendance to meetings, church or other social events. My personal internet connection is still hacked and fraudulent accounts are still being used for personal information. I can not access any social media accounts or sites due to the misuse of my personal information, identification, credit cards and social security number. Thank you so much for your prayers and attention to this fraudulent unethical behavior.
06/28/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	AZ 85016	Web
I am writing in regards to a complaint regarding the business practices of mercedes benz financial services. I have been having a very difficult time with financing of my car ( purchasing my lease at the end of lease term ) because of incompetencies, delays in processing of my application, improper disclosure of information, and improper use of my personal information. This has resulted in me paying additional unnecessary fees for my lease ( late fees and multiple unnecessary lease extensions ), significant delay in as well as additional and unnecessary fees for temporary vehicle registration and extensions, significant delays in my ability to register my car and proper title in my state of residence, unnecessary fees for raising of interest rates secondary to severe delays/stalling of my application despite many attempts to contact them and confirm processing, they have improperly processed my information and application multiple times further compounding the aforementioned issues. I have spent countless hours on multiple phone calls over the last 4 monthsregarding this issue and it is still unable to be resolved. I am now at risk of not being able to renew my registration in my state because they are not following very standard procedures and are incorrectly filling out forms, failing to update information that I have sent to them multiple times, and failing to send me information and updates in a timely manner. Every time I call they do not have updated information and regularly provide me outdated and incorrect information regarding my application and status ( despite multiple prior phone calls to confirm legal updates have been made ). I have been told multiple times " it should be in process '' only to find either it has not been done, is significantly delayed, and/or has been done improperly. I have tried to escalate these issues multiple times without success and have reached the point where I no longer have the ability to resolve this issue. I do not feel XXXX is practicing appropriate, fair, or ethical business practices. As a professional I am confident in my ability to perform basic tasks such as filling out forms and and more than financially capable of handling payments in a timely manner but, because of their unethical business practices, I am unable to protect my own finances ( as the XXXX leasing agency is still calling me regarding lease extensions and late fees which places me at risk for collections and can potentially negatively affect my credit score ), I am unable to confidently ensure that I am able to follow state protocols regarding proper vehicle registration and car title transfer, my personal information is not being used in a safe or ethical manner by the business, and I will now have to pay significantly more in interest rate fees because of XXXXXXXX XXXX significant delays ( multiple times ) in processing of my applications. I can not imagine I am alone in this situation and am sure multiple other customers have had to deal with this as well resulting in fines, extra costs, delays in car registration and title transfer.No business should be able to practice this way. I appreciate your help in resolving this issue and ensuring that XXXX does not continue to mistreat its customers and practice poor and unethical business practices.
09/29/2015	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	CA 91335	Web
To whom it may concern. Here is the story and documentation of my Mercedes. I have a c300 XXXX Mercedes that was bought around XXXX/XXXX/15. The car is under my mothers name XXXX XXXX, but all dealing with Mercedes have been with me. I am authorized through Mercedes to talk on my mother 's behalf. My XXXX lives in XXXX XXXX however the car is registered here at my house. When I purchased my I phone 6 plus around XXXX XXXX I have had nothing but problems with the Bluetooth in the car. I will be on a call then suddenly the call stops for about 15 seconds and then reconnects. I have taken the car in three times for them to try to fix. These three times were not documented because they tried to fix it right then and there. Each time it failed. The service advisor XXXX XXXX and the service manager XXXX XXXX and the head tech guy XXXX XXXX all huddled up with me. They said they would order a part from XXXX and replace the entire XXXX module. This was around XXXX XXXX. I came in and dropped the car off on XXXX XXXX XXXX my Service advisor said that they needed another part from XXXX so I had to wait. He also dais to me that my I phone is compatible with the c300 and its even on Mercedes website that it is. So I picked my car up XX/XX/2015. Meanwhile I had a loaner for three days and had no problems with the Bluetooth. On XX/XX/2015 I was on my way to my girlfriends house when the same problem starting happening. Again. I was furious and went back to Mercedes. XXXX XXXX, the service manager said there is nothing more they can do or will do. I said so you are not going to fix it? She said its your phone or XXXX and they will not do anything more. XXXX, my service advisor was embarrassed by her remarks. He tried to reboot the system but it failed. I then left and went to my girlfriend 's house and she came out and said you better look at this. My outside rear view mirror was damaged. I then returned to Mercedes and XXXX came out and said we will fix this and order the part. Obviously, it was damaged by them. Now its Saturday morning and I am going to work and the car is completely dead and will not start. XXXX came home and I used his car and he called Mercedes road service and the car was towed to XXXX. I went there after my appointment ; XXXX took me there and saw a new service advisor XXXX XXXX. He could n't believe what was going on and said they will try to fix the car and even wrote up on the work order that the Bluetooth is still not working. I told him what XXXX said and he just shook his head. My salesperson XXXX said I have in his opinion a lemon and call Mercedes customer care. So XXXX, included is all the work orders and documentations. I can not and do not feel safe in this car now. They made my car worse now with an electrical problem. I can not conduct business with my Bluetooth going in and out. Again, I have had Mercedes loaners and no problems with the Bluetooth. My girlfriend has the same IPhone 6 plus and it did the same problem in my car. I have filed a complaint with MBUSA and they are reviewing my case. I want them to buy my car back and reimburse me for all monies spent on the lease. As of this writing I have heard nothing from anyone. XXXX XXXX
11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OH 441XX	Web
Cfpb Unauthorized Inquiries letter XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Attn : Consumer Complaint Division Subject : Formal Complaint against XXXX for Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX, the three major credit reporting agencies, regarding unauthorized credit inquiries listed on my credit reports. These inquiries were conducted without a permissible purpose, thus violating the Fair Credit Reporting Act ( FCRA ) and adversely affecting my creditworthiness. The unauthorized credit inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken the necessary steps to address this issue directly with the credit reporting agencies by sending a pre-litigation dispute letter, which is attached for your reference. However, as my concerns remain unresolved, I am turning to the Consumer Financial Protection Bureau for assistance and intervention in rectifying this matter. As you are aware, the FCRA, under section 604 ( a ) ( 3 ) ( C ), mandates that a permissible purpose is required for a credit inquiry to appear on a consumer 's credit report. Permissible purposes include, but are not limited to, credit transactions initiated by the consumer, employment purposes, and with written consent of the consumer. I can affirmatively state that I did not initiate these inquiries, nor did I provide my written consent for any of them. These unauthorized credit inquiries have had a detrimental impact on my credit score and creditworthiness, hindering my ability to secure credit, employment, and housing opportunities. I am left with no choice but to seek the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are upheld. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX, XXXX, and XXXX for their willful noncompliance with the FCRA. I ask for your assistance in ensuring that these unauthorized inquiries are promptly removed from my credit reports, as well as any other necessary actions to rectify this situation. I am willing to provide any additional information or documentation that may aid in your investigation of this complaint. Please keep me informed of the progress and outcome of your investigation. Your intervention in this matter is crucial to protecting consumers ' rights and upholding the integrity of credit reporting agencies. Thank you for your attention to this matter, and I look forward to a swift resolution. Sincerely, XXXX XXXX XXXX
11/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account status incorrect	OH 441XX	Web	Servicemember
Dear Sir or Madam, after obtaining my credit report, I noticed that it shows late payments on the above account with this company. It specifically states that I was 30 days late. This has damaged my credit worthiness and is extremely troubling. I am sure MERCEDES BENZ FINANCIAL is aware and understand that it is required by law that they must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. They are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion as well as provide me with a notice 21 days before the due date before you can consider a payment late. They are also REQUIRED by law to provide me with a notice before providing anything on my consumer report that would negatively impact me as a consumer. The law clearly states that If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT in case you are not aware here is what the law state report containing information solely as to transactions or experiences between the consumer and the person making the report Also make sure late fees are accessed properly. In this regard, I hereby request the following steps to remedy this situation. 1. To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act in regard to my account. 2. Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company. Including the tracking number of the letter you sent out to place on me on notice 21 days prior to the statement due date. 3. Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless of whether or not you claim they were late from the time this account was opened to this present date. If they are not able to provide me with this evidence that I am legally entitled to have in writing, I affirm that they please remove all negative references of these late payment 's entries by your company to all CRAs as they were submitted. XXXX, XXXX and XXXX and any others. If I have not received these itemized documentations within the period prescribed by law, I will expect to receive written notification that they have removed all late entries that Ive disputed off my credit report. I thank you in advance for attending to my requests promptly to verify identity, I am enclosing copies of my state drivers license and an electric bill, that shows your current mailing address. Sincerely, XXXX XXXX
07/17/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	MA 01841	Web
I want to require Mercedes-Benz Financial Services to verify account XXXX and send me proof that they used their own funds when extending my credit to pay for the XXXX XXXX XXXX XXXX. I demand proof, not the contract, I demand proof that they paid for my property with their own funds, I want a receipt for said transaction. Because I spoke to them and their agent alleges that they paid for the property with their funds. I want reliable evidence. I also spoke with the manager of the XXXX XXXX dealer and he claims in a recorded call from them that you paid for my property with your own funds, your own credit. His representative corrected me that they paid for the property with their own credit and with their own funds. If this is so, I demand that the credit transaction be verified, not the contract, the credit transaction that shows that they used their credit or their funds to pay for my property THE BANK CAN NOT LOAN CREDIT Law of Truthfulness in Loans, Jurisprudence and Regulation Z The Truth in Lending Act was passed to prevent unsophisticated consumers from being misled as to the total cost of financing. Truth in Lending Act, Section 102, 15 U.S.C. Section 1601. Griggs v. Provident Consumer Discount. 680 F.2d 927, certiorari granted, annulled 103 S.Ct. 400, 459 U.S. 56, 74 L.Ed.2d 225, in return 699 F.2d 642. " In federal courts, it is well established that a n ational bank is not empowered to lend its credit to another by becoming a guarantor, guarantor or guarantor for it. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S. 669. " A national bank has no power to lend its credit to any person or corporation. '' Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied at 20 S.Ct 1024, 176 US 682, 44 LED 637. " It has been established beyond all controversy that a national bank, by virtue of federal law that limits its powers and capacity, can not lend its credit by guaranteeing the debts of another. All contracts of this type entered into by its officials are ultra vires " Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ). " It is not within those statutory powers that a national bank, even if it is solvent, lends its credit to another in any of the various ways in which it could be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ). " A bank can lend its money, but not its credit. '' First Nat 'I Bank of Tallapoosa v. Monroe , 135 Ga 614, 69 SE 1124, 32 LRA ( NS ) 550. " ... the bank is authorized to lend money as per sonal guarantee ; but it must be money what it lends, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No. 12, 642, 1039. " The contract is void if it is only partly connected with the illegal transaction and the sole or complete promise. '' Guardian Agency v. Mutual Guardian. Savings Bank, 227 Wis 550, 279 NW 83. " Banking associations, by the very nature of their activity, are prohibited from lending credit. '' St. Louis Savings Bank vs. Parmalee 95 U. S. 557
07/15/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	KS 672XX	Web
I have a lease with Mercedes Benz Financial Services that is set to expire on XX/XX/2022. I want to purchase the vehicle for the amount listed in my lease agreement. Around XX/XX/XXXX, I called XXXX, who indicated I could not perform the buyout directly with them and that I would need to contact my local dealer. I preferred to just arrange financing on my own for the buyout amount, since I did not lease the car locally. I contacted a company called XXXX who arranged the new loan for the buyout amount. XXXX provided the buyout amount with taxes and fees to XXXX. I entered into a loan agreement with XXXX XXXX for the full purchase amount on XX/XX/XXXX and completed the required paperwork. XXXX end sent a check for the buyout amount to XXXX and all required transfer paperwork. XXXX cashed this check on XX/XX/XXXX and posted the payment to my account with them. They also reported my lease trade as paid to the credit bureaus. On XX/XX/XXXX, I received a call from XXXX indicating that Kansas is a non-sellable state and that I was prohibited from using a third party to arrange my lease buyout. They indicated that they would be refunding the check they had cashed and that I would be responsible for additional lease payments since that wouldn't happen before the lease expired. XXXX has yet to issue that refund as of XX/XX/XXXX. I call them and they indicate that they refund is 'waiting on an approval ' and that it is imminent. In the interim, I'm paying for a new loan on the vehicle. There is no clause in my original lease agreement with XXXX indicating that Kansas is a 'non-sellable state ' and that I must arrange the buyout with my local dealer. Mercedes Benz Financial is being abusive and unfair in its practices here. They are not providing clear direction on how to perform a lease buy-out and are not issuing a refund in a timely manner at all ( not that I agree one is necessary and that they can't accept this third party payment ). It is completely unacceptable to put me in this situation where their policies are not clear and I now have unbelievable stress and am completely unable to resolve the situation. Their lack of a timely refund is the sole reason I have missed the deadline on the lease termination. If they are unable to accept such third party payments, they should not be disclosing my personal information to such a third party to facility that payment in the first place. Given they did disclose the buyout amount to the third party ( XXXX ), and then CASHED the check they received, it is completely unfair to then suggest that this is a practice that is somehow prohibited. I want a refund for any interest I've paid on my new car loan to date and a fast resolution to this issue. As far as I'm concerned, I've paid XXXX the amounts they are due in our lease agreement to buyout the vehicle and they are holding my title transfer XXXX in an attempt to extort an additional lease payment from me. Completely unacceptable.
08/10/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WV 26508	Web
I purchased my XXXX XXXX on XX/XX/2022 and the amount financed is {$38000.00}. However this vehicle was totaled on XX/XX/XXXX with the first payment due on XX/XX/2022. The vehicle also has an extended warranty and a device package rolled into the financing, totaling {$4400.00}. I called the day after the accident and had these cancelled for a full refund. The finance lady at the dealership ( XXXX XXXX ) and the XXXX said it would be taken care of that day ( XX/XX/2022 ) and that the amount of the extra products would just be taken off of the loan balance. Today is XX/XX/2022 and Mercedes Benz financial has no information from the dealership stating those services are to be cancelled. my insurance company can not payout until they see the title processing on the metro dmv website for West Virginia, which its not and the dealership states they filed it in XX/XX/2022. But theres no record of that at all. The vehicle is still titled to XXXX XXXXn Pennsylvania and its been well over 30 days. Furthermore Mercedes Benz financial has been informed by my insurance company that the vehicle was a total loss and I was told by a Mercedes Benz financial rep that once the insurance company called and told them it was a total loss that I would interest and payments would be deferred, however MB financial is now saying thats not the case and they are showing my payoff to the insurance company as l~ {$39000.00} when the amount I financed was significantly less than that. This dealership has created a huge issue for me. I have to return my rental car Friday, XX/XX/2022, and I have another vehicle on hold but because of Mercedes Benz XXXX and their shady methods and lack of urgency, my credit is at risk of being ruined. Nobody can give me a straight answer at Mercedes Benz XXXX, Mercedes Benz Financial, or Mercedes Benz XXXX. The finance manager at that dealership, who I called today, said he didnt even know about the situation and would look into it, after Ive been calling for a week with no return calls. This is unacceptable. When I purchased the vehicle I never even met a finance person or had anybody explain the loan to me, nobody offered gap insurance, no disclosures were given, and I didnt even receive my copies of the paperwork until a week and a half after the salesman sold me the car and realized he didnt give me my documents. Something with this has not been done correctly. Last thing, when I purchased the vehicle they told me that I could take it for two weeks because they didnt have the title, well the title magically arrived in the next two days and they got me the car, however they didnt file the title paperwork for almost two weeks after the purchase? I still dont have the permanent plate or registration. I just dont find it fair for me to be held accountable for a situation that I have absolutely zero control over. The way they did the numbers on the financing seemed WAY off too but a copy of that contract is attached.
06/20/2019	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 95821	Web
Mercedes-Benz Financial Services USA LLC, CFO XXXX XXXX issued notice and knowledge to the possession of stolen property belonging to a registered investment under the XXXX Investment Company Act, a felony. Death certificate evidencing truth to fact that Mercedes-Benz Financial Services USA LLC has conspired with XXXX XXXX XXXX of XXXX, California and XXXX AG in a criminal financial securities scheme for embezzlement, unlawful conversion and theft of Family Fund Assets belonging to XXXX XXXX. Bill of Lading sent XX/XX/XXXX to XXXX XXXX, VP and CFO for Demand and Release of Lien to Securities Annexed to Right to Payment Account No. XXXX Bill of Credit to Satisfy XXXX XXXX. Recorded : Treasury Form 8300 Registration No. XXXX, and Non-UCC Financing Statement Document No. XXXX. Bill of Credit Issuance of credit amount 248,832 US Currency for settlement and discharge of every installment or lease connected to right to payment account No. XXXX VIN XXXX. Remaining balance ought to be established as a credit-line from amount owed out of credit bill that ought to be applied for purchase, lease, services at every Mercedes-Benz authorized dealer. XXXX XXXX XXXX of XXXX failed to issue the required Security Agreement prior to execution in violation of California Civil Code 1803.2 and Federal laws for abuse of public funds not limited to transaction device fraud 18 USC 1029, 18USC 1091, 26 USC 7214 and illegal insider trading in violation of 1940 Investment Company Act for Upstreaming cargo manufactured by XXXX AG from XXXX XXXX XXXX of XXXX, where the required security agreement and consign agreement to obtain security interest is transferred illegally to Mercedes-Benz Financial Services USA LLC for theft of installments and upstreamed back to XXXX AG for securitization on the exchange. This violation of section 17 ( a ) Investment Company Act 1940 subjects XXXX XXXX as CFO to immediate BAR and revocation of bond for illegal, unethical and immoral acts of an officer against a registered investment company in violation of sections 9 ( a ), 9 ( b ) with penalties of 10,000 per occurrence and or 5 years in prison. Without the MANDATORY security agreement executed by the Employees ' Securities Company all are party to embezzlement, laundering criminal financial enterprise to benefit foreign agents, economic espionage. Every agent responsible for protecting the Financial Institutions that the Congress has stated in the 1940 Investment Company act as being affected with a national interest are given notice of responsibilities to assist with civilian arrest of the bonds belonging to XXXX XXXX and arrest of the charter of Mercedes-Benez Financial Services USA LLC for public offenses pursuant to California Penal Code 837 and crimes against an instrumentality of the United States, registered Natural Person Employees ' Securities Company, protected financial institution under 1940 Investment Company Act.
08/12/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	NJ 08060	Web
I am writing this letter to express my concern about the unfair and deceptive practices of Mercedes-Benz Financial Services . As a dedicated patron of Mercedes-Benz since XXXX I have always been impressed with the company 's commitment to excellence. However, my recent interactions with Mercedes-Benz Financial Services have been anything but excellent. In particular, I am troubled by the following : Misreporting of trade-in credit : When I purchased my current Mercedes-Benz, I was assured that I would receive due credit for my trade-in vehicle. However, this credit has not been accurately reflected in my financial records. This has resulted in an undue financial burden and an inaccurate representation of my financial standing. Undisclosed cash down payment : I also made a cash down payment of {$5000.00} at the time of purchase. This substantial contribution was made in good faith, with the expectation that it would be properly acknowledged and reflected in my financial arrangements. However, the absence of this acknowledgment has further contributed to the existing confusion and imbalance in my financial records. Credit score impact without justification : Despite having a commendable credit score, I have been unjustly penalized with a negative credit score impact. This adverse consequence has transpired before the payment due date, a violation of ethical practices and a detriment to my overall financial stability. These actions on the part of Mercedes-Benz Financial Services are not only unfair and deceptive, but they also violate several consumer protection laws, including : The Consumer Financial Protection Act ( CFPA ) : The CFPA guarantees consumers the right to accurate and clear information regarding their financial agreements. Mercedes-Benz Financial Services has failed to provide me with this information, which has caused me financial harm. The Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that creditors report accurate information to credit bureaus. Mercedes-Benz Financial Services has failed to do this, which has resulted in a negative impact on my credit score. The Equal Credit Opportunity Act ( ECOA ) : The ECOA prohibits creditors from discriminating against borrowers on the basis of race, color, national origin, sex, marital status, age, or because they receive income from a public assistance program. Mercedes-Benz Financial Services has discriminated against me by failing to provide me with the same level of service as other borrowers. I am requesting that the Consumer Financial Protection Bureau investigate my complaint and take appropriate action to hold Mercedes-Benz Financial Services accountable for its unfair and deceptive practices. I also request that the Bureau take steps to ensure that Mercedes-Benz Financial Services complies with all applicable consumer protection laws in the future. Thank you for your time and consideration.
11/29/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 92024	Web
Not long before I filed for divorce, my husband and someone using my identity applied for a loan with Mercedes in my name, and the name of my husbands company that I was not part of, without my knowledge. All mail regarding this account was being sent to my ex-husbands house. The account was opened on XXXX are date of separation was on XXXX when I moved out of the marital home my personal belongings remained in the home until XX/XX/XXXX. Our divorce was final on XXXX He died on XXXX. After his death, I started receiving his mail. I received something saying my car was going to be repossessed as I was in default. I didn't know I had a car loan in my name. I immediately took the car back to Mercedes. I did not work during my marriage because my husband wanted me to stay home. I did not receive any income. I wouldn't have qualified for any loan. I have tried to get the voluntary repossession off my credit report. I didn't apply for any loans. I was a victim of identity theft. This account only reports to XXXX. That is the only credit bureau I wasn't monitoring. For that reason, I was unaware of this account until my credit was pulled while applying for a mortgage. I have received a copy of the original application from MB Finance who was able to get it from the dealer, even though the dealer said they didnt have anything on it. I am attaching it to this complaint. You will see five completely different signatures on the same page. I filed an identity theft claim REF # XXXX that I have filed listing this account. MB finance says they can't do anything about it if it was fraud at the dealer. They referred me back to the dealer to get it taken care of. I have spoken to several people in the finance department including XXXX and XXXX. I have left messages for their finance director without a returned call. The dealer says they can't do anything about it as they don't have the documents anymore, due to this account being aged. They say it would need to be rectified by the finance company. I have spoken to multiple people both at the dealer and the finance company and have not received any resolution to this problem. I am told that 7 years from the date of last activity, the negative remarks should be removed from my credit report. That means, this month on XX/XX/XXXX, the account should have fallen off my credit anyway. However, now the date of last activity has been updated to XX/XX/XXXX. Per MB Finance ( XXXX ), the car was voluntarily surrendered in XX/XX/XXXX. No further activity has occurred on the account yet per Financial they re-reported it on my credit on XXXX they have not sold the debt and could not give me an answer s to why they re-reported it to only 1 credit buare, they stated it may have been a mistake but there is nothing they can do about it now. So why does it now say XXXX It does coincide with the last date reported.
06/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 32714	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Mercedes-Benz Financial Services USA LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand and Notice for Full Disclosure of Alleged Loan Agreement Dear Sir/Madam, I hope this letter finds you well. I am writing to you as a concerned customer regarding an alleged loan agreement between myself and Mercedes-Benz Financial Services USA LLC XXXX I kindly request your immediate attention and full disclosure of the loan agreement in question. It has come to my attention that there may be discrepancies and uncertainties surrounding the terms and conditions of the alleged loan agreement that I supposedly entered into with your company. In order to clarify these matters and ensure a transparent and fair resolution, I hereby demand full disclosure of the following information : XXXX. Loan Agreement Documentation : Please provide a complete and unaltered copy of the alleged loan agreement, including all amendments, addendums, or modifications made to it, if any. XXXX. Terms and Conditions : I request a detailed breakdown of the terms and conditions of the alleged loan agreement, including the interest rate, repayment schedule, any associated fees or charges, and any other relevant contractual obligations. XXXX. Payment Records : Kindly provide me with a comprehensive record of all payments made towards the alleged loan, including dates, amounts, and a clear indication of the remaining balance, if applicable. XXXX. Communication Records : Please furnish me with any and all correspondence, including emails, letters, or phone call records, pertaining to the alleged loan agreement between myself and Mercedes-Benz Financial Services USA LLC XXXX XXXX. Proof of Ownership : I require verification of the ownership and validity of the alleged loan agreement, including any supporting documents or evidence that substantiate your claim. I expect full compliance with this request within [ number of days, e.g., 30 days ] from the receipt of this letter. Failure to provide the requested information within the specified timeframe may result in further legal action to protect my rights and interests as a consumer. I trust that Mercedes-Benz Financial Services USA LLC values transparency and fair dealing with its customers. Therefore, I anticipate your prompt response and cooperation in this matter. I firmly believe that resolving these uncertainties will not only benefit both parties involved but also foster a more positive customer relationship. Thank you for your attention to this matter. I look forward to receiving the requested information at your earliest convenience. Should you have any questions or require additional information, please do not hesitate to contact me at [ your contact information ]. Yours sincerely, XXXX XXXX
08/23/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WA 99352	Web	Servicemember
I have been making more than my monthly required payment of {$600.00} by a Automated Clearing House ( ACH ) transaction from my checking account on the XXXX of each month in advance of my payment due date on the XXXX of each month to Mercedes-Benz Financial Services. I make additional payments to pay off the loan early. I made one for {$3700.00} on XXXX XXXX, XXXX. It was credited to a " Over Paid '' category and not to principal and interest. Subsequently, my normal ACH payment of XXXX XXXX, XXXX for {$700.00} was received and credited to the " Over Paid '' category. Reviewing my online account " Transaction History '', I saw {$4400.00} sitting in this " Over Paid '' category. On XXXX XXXX, XXXX I called the Customer Service Center and they said there was a new software update which moves money into this category. I requested these transactions be moved to pay down principal since my next payment due was on XXXX XXXX, XXXX. They said they would do that. I reviewed my Transaction History online report and saw only {$3000.00} credited to principal and {$1400.00} still in the Over Paid category. I sent an email request to Customer Service to have that amount moved into principal. I have called and sent followup email requests to Customer Service and they said they would do it. It still had not been done as of XXXX XXXX, XXXX. I called again and was reassured it would be done. Reviewing my Transaction History report online, the {$1400.00} disappeared from the Over Paid category. I called on XXXX XXXX, XXXX XXXX, and several calls thereafter. No one can explain what has been done with my payments totaling {$1400.00}. On XXXX XXXX, XXXX, I was finally able to speak to a manager who sent me a Historical Account Summary of my loan history. It shows a - {$1400.00} reallocation to Payments Received on XXXX XXXX, XXXX, with corresponding reductions to principal and interest. There is no offsetting credit being applied to principal. So, what happened to the money? I have been trying to get this resolved and unable. Mercedes-Benz Financial Services ( MB Fin Serv ) reports do not align with the customer online Transaction History report. The provided Historical Account Summary does not align with information on reports verbally discussed with the Customer Service Manager or Representatives. MB Fin Serv online reports and monthly statements do not provide any meaningful information to the customer. Reassurance the {$1400.00} has been applied to my loan are invalid. The loan outstanding balance increased by {$1400.00} dollars on XXXX XXXX and has not reflected my payments being made. What happened to my payments can not be explained by MB Fin Serv. I can prove I made the payments to them, but they can not prove they applied them to my loan.
07/14/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	DE 19711	Web
In 2012 by using the online service Swap-A-Lease and the approval of Mercedes Benz Financial Services ( MBFS ) we were able to swap a vehicle with XXXX XXXX. We asked MBFS if they had done business in the past with XXXX and their response was yes, which gave us peace of mind. Our vehicle was in outstanding conditions, we attached the XXXX Report with the swap information. On XXXX/XXXX/12 we successfully handed the vehicle over to a lady representative of XXXX and immediately mailed the payoff check to MBFS, who also sent us the Lease End Statement. Two months later MBFS sent us a letter saying the check had no funds and the car had been repossessed on XXXX/XXXX/12. The original payoff letter/quote was valid until XXXX/XXXX/12, but MBFS repossessed the car a full day before the end of this committment. MBFS never informed us of the insufficient funds check until XXXX. In the time MBFS kept this information from us we had already committed to a new smaller vehicle, a XXXX XXXX. We called XXXX XXXX to ask what had happened, they said they had asked for 3 more days to cover the check but since it had been taken from them, they now had no reason to cover that check. While the car was away somewhere it apparently had some hail damages which got fixed, again without our knowledge. So the balance on the account is XXXX + XXXX for repairs that we were never made aware of, we just simply have to pay. When a car is taken in for service even a {$15.00} part is first consulted with the owner, but in this case nothing has been consulted with us, we feel this is Consumer Deception. If MBFS really felt that we were still responsible of this car, why did they not get in touch with us as soon as they realized the check had no funds? We would 've reached out to XXXX and maybe offered to pay one more month in order to give them the opportunity to gather the funds for the check. Why did n't MBFS reach out to us showing us the hail damages before proceeding with repairs? Until today we have not seen a single picture of the damages, it 's just been their word. When a house is sold and the new owners default on their payments, the bank does not go back to the previous owners, they collect on the new owners. Why is MBFS collecting on a debt that we released with their approval and on which MBFS sent us a Lease End Statement? We feel that it was MBFS who broke the Agreement, they did not comply with the provided Payoff Date, they repossessed the car without our consent and they made repairs also without our consent. We believe MBFS did this knowing that the vehicle was no longer our responsiblity, that 's why they made these decisions on their own. We have been called through several collection agencies and threatened with legal action.
10/18/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30223	Web	Servicemember
Please also send complaint to Mercedes-Benz XXXX XXXX location XXXX XXXX XXXX XXXX XXXX, XXXX. I visited Mercedes-Benz XXXX XXXX location to make a Consumer Credit Transaction to extend my credit to them according to 15 U.S.C. 1605 Determination of Finance Charge. I asked were they in Truth in Lending Isa said yes, I then asked is there a finance charge he said yes. After completing the application, I was denied credit and I understand the factor but it's not a deciding factor. They gave me false and misleading information because they can't deny me an extension of my own credit according to 15 U.S.C. 1605. I spoke with the GM XXXX XXXX who was not familiar with the law with courtesy I explained it to him. He got upset because he did not want to agree with Mercedes-Benz Financial Services USA LLC who does the funding when they stated over the phone when I called them because XXXX told me the dealership doesn't approve or deny applications and according to MBFS USA LLC they stated they did. I have everything recorded of them of MBFS LLC stating they are to honor the law under Truth in Lending Act ( TILA ) and that I was correct GM XXXX stated MBFS USA LLC was lying, and they didn't know what they were talking about. I asked who is telling the truth MBFS USA LLC explained the entire process with GM XXXX listening, and he still denied following the law after being told to by the finance department. After the call I asked to speak with the finance manager XXXX XXXX later found out who he was after XXXX told me XXXX who sits next to XXXX XXXX that he was the director of finance in charge and gave me push back as well. When I proceeded to talk to XXXX, he was very un-professional and NOT a good representation of Mercedes Benz at all stating he didn't care if I filed a complaint as he stated. I then turned to XXXX XXXX and stated that he knew what I was referring to when I was talking with XXXX XXXX who stated they honored the law under TILA which is why XXXX XXXX made XXXX go and asked me to sit in the lobby XXXX stated he didn't care and that he wasn't selling me a car and to go. This experience has forever put a dent in Mercedes Benz reputation for me. My family is an honest loooooooooong time buyer of Mercedes, and this was not anything I have ever experienced in car buying. I remained humbled wasn't disrespectful even after the unfair treatment review your cameras. I have everything recorded and I told XXXX that he did not care. Some way to bring in a gift for your Birthday. In Conclusion, I'm submitting this complaint for a more comprehensive review. According to the Law I would like the credit decision to be reconsidered/honored and my credit be extended to your company for a more unbiased transaction.
08/20/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	CA XXXXX	Web
This is New Case since case # XXXX was prematurely closed before arrival of supporting documents ( now available as attachment on that case ) I try to upload same documents here but file is too big???? big for new claim? Ok for closed? This is my Original Complaint /Demand sent to XXXX XX/XX/XXXX Their Action is Bias, Unfair and allegedly NOT LEGAL Based on??? Refusal of communication via email in this Era ( XXXX XXXX ) with explanation -protecting sensitive data is MADE UP STORY! ORIGINAL COMPLAINT / DEMAND lease # XXXX ... XXXX Hi there, this is 3- rd part of e-mail tread with customer that want to take over lease of my car on XX/XX/XXXX. Since that day I was trying numerous times to start process but I was repeatedly told by your rep. XXXX that you guys stop doing transfers on XX/XX/XXXX due to COVID 19 situation. That is totally understandable if was case for EVERYONE, But is NOT! here are the last 8 digit VIN 's of some of the cars that transfer process started After my initial attempt and refusal on XX/XX/XXXX : XXXX XXXX XXXX XXXX AS WELL AS UNLISTED VIN OF THE XXXX XXXX XXXX. UNDER SALE ID # XXXX on XXXX. 3 of those above mentioned cars have listing date after XX/XX/XXXX so it was NOT possible to as you claim that " TRANSFER STARTED BEFORE XX/XX/XXXX "! I'm not going to speculate here of possible collusion between you and XXXX but 2 of my prospective buyers before Mr. XXXX miraculously, after initial interest expressed and transfer process started, got contacted by new car dealer and purchased new cars. But I'm sure that I'm not isolated case, there is 1300 + listings there ... .. I was continually told things that are not truth including but not limited to that '' DMV 's are not processing registration '' ... ... ... .. We contacted DMV 's in California, Texas and Massachusetts and get information that in fact they do. Long story short : I lost customer because of your bias action! I lost {$5000.00} that customer was willing to pay! I lost {$500.00} XXXX XXXX gift card that customer was offering me as token of appreciation ( please read all email treads! ) and on the end instead paying only one more month ( XXXX XXXX-XXXX XXXX ) I now own you 3 deferred payments and continuous payments afterwards. If car was transferred to Massachusetts license plates -credit of at least 90 % off of {$950.00} ( paid before XX/XX/XXXX ) was to be refunded to me upon registration of the car in different state! I want you to pay me {$6400.00} in damages. 3 deferred payments forgotten. All above mention is recorded and verifiable. Thank you, XXXX XXXX
10/26/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	NJ 08060	Web
Dear Sir/Madam, I am writing to file a formal complaint and bring to your attention an issue I have encountered with Mercedes Benz Financial Services regarding the repossession of my vehicle. I believe that the creditor, Mercedes Benz, may not have complied with XXXX XXXX XXXX provisions regarding repossession, potentially resulting in the wrongful repossession of my vehicle. Under XXXX XXXX law, certain procedures must be followed during a vehicle repossession to protect the rights of consumers. It has come to my attention that Mercedes Benz Financial Services may have failed to adhere to these procedures, specifically regarding the breach of peace provision outlined in New Jersey law. Breach of peace occurs when a repossession company engages in behavior that is likely to cause a disturbance or conflict during the repossession process. It is my belief that the repossession company, acting on behalf of Mercedes Benz Financial Services, may have breached the peace during the repossession of my vehicle. Additionally, I did not receive a Notice of Repossession and Right to Redeem from the creditor. Failure to provide this notice may constitute a violation of state laws. Furthermore, I would like to emphasize the distress and mental health issues that have arisen as a result of this repossession. After discovering that my vehicle was missing, I immediately contacted the authorities and filed a police report, as I initially believed that my car had been stolen. This incident has caused significant stress and anxiety, affecting my mental well-being. Should it be determined that the repossession was indeed unlawful, in violation of the Fair Debt Collection Practices Act ( FDCPA ), or breached the peace provision outlined in New Jersey law, I kindly request that appropriate action be taken to ensure that my rights as a consumer are protected and upheld. In light of the aforementioned concerns, I kindly request that you investigate this matter thoroughly, taking into consideration the breach of peace provision outlined in New Jersey law. Additionally, please consider the impact this incident has had on my mental health. If it is determined that the repossession was wrongful or in violation of the FDCPA, I hope to be rightfully compensated as per the provisions of the act. I appreciate your prompt attention to this dispute and your assistance in resolving this matter. Please do not hesitate to reach out if you require any additional information or documentation to further investigate this issue. Thank you for your help in addressing this issue. I look forward to a favorable resolution.
01/31/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA XXXXX	Web
1. Note all Complaint ID Numbers and Dates XX/XX/XXXX Complaint ID XXXX XX/XX/XXXX Complaint ID XXXX XX/XX/XXXX Complaint ID XXXX All With CFPB and still you yet seen not to see the fraud in hand. 1. Date of One " Retail installment Sale Contract Form ( XXXX XX/XX/XXXX ) '' With Billing Error All Different Dates One Agreement One Day Of Sale Notice Correct Date Footer as well as Time. Clear Individual Act. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all paperwork submitted here to CFPB as well as Mercedes-Benz 2 . Debt Validation and or Debt Verification Request Letter and More sent to Mercedes-Benz in XXXX of XXXX When I, Living Man, the Consumer Took Notice of The 15 USC 1692e False or misleading representations. 15 USC 1692j Furnishing Certain Deceptive Forms, ( Correcting of Billing Errors ) 15 USC 1666, Youve Failed all Three Times to Address Situation CFPB 3. Power of Attorney Paperwork Fraud Not I, The Living Man, Signature, Youve Failed all Three Times to Address Situation CFPB ( Paid for Proof From The State of Pennsylvania DMV ) Not sent or on record anywhere for consumer to see except DMV and Consumer has to pay for Information 4. False Signature on Title Fraud ( Not even Consumers Name ) Youve Failed all Three Times to Address Situation CFPB ( Paid for Proof From The State of Pennsylvania DMV ) Not sent or on record anywhere for consumer to see except DMV and Consumer has to pay for Information 5. Proof of payment and Mercedes-Benz not accepting payment, Letter sent by Mercedes-Benz 6 . Paperwork Properly Submitted XX/XX/XXXX Up Until Todays Date all Ignored By Mercedes-Benz as well as CFPB Clear Open & Shut Case for Violation Of Consumers Rights All in Which was not Addressed Point for Point by Mercedes-Benz as we as CFPB Note : I'd like to request AGENT of all three case numbers as well as new one submitted, I, the consumer, as well as, the Living man, would like to request full investigation of all said complaint numbers of all said AGENTS. Note : CFPB AGENTS has Failed all Three Time With State Proof Here on This Platform to address the Individual Acts that has been committed, as well as Merceds Benz Sending Proof of Fraud Here on This Platform as well and CFPB has Failed to address the Individual Acts that has been committed. Date XXXX XXXX, XXXX XXXX Sending Proof of Fraud when in fact, They have Stolen Land Vessel Before Addressing Consumers Proper Paperwork Sent to Mercedes-Benz Back in XXXX of XXXX. Note : Needs to be escalated Due to Multiple Submissions of Same Proof The CFPB is to Address This Matter in Good Faith
11/04/2020	Yes	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	CA 91206	Web
3 weeks ago I leased a XX/XX/XXXX XXXX from XXXX XXXX, and I was approved for the loan by Mercedes Benz finance. I signed my lease contract, paid 36 months up front and was given the car. 2 days later, they called me saying that I was declined on the loan, did not give me any reasons and told me to wait to receive the letter. I have received the letter yesterday, and it said that I was declined because they could not verify my identity and to call XX/XX/XXXX consumer reporting agency, I called them and they stated that everything is fine on their end and I do not have any issues with my personal information and everything is matching. I also did not have any fraud alerts or credit freezes, they were able to run my credit and it came out with XXXX Fico score. I have no lates, not delinquencies, nor do I have any issues with my credit. I have had a Mercedes Benz in the past, paid off with no issues with them. I paid up all 36 months of the lease up front with their 1 pay lease program. I returned the car back to them after they called me 2 days later, and they gave me back the payment I made, left me with no car. I asked for reason as to why I was declined, especially because there is no legitimate reason for denying me for credit. They did no respond and asked me to wait for the letter. I waited for the letter, and nothing there but problem with identity, I have tried resolving this matter with them and they are no help. I contacted their department where the analyst named XXXX denied, and they are not speaking with me in regards to my application stating that they don't speak to consumers and I should speak with dealership for reasoning. I spoke with financing manager at XXXX XXXX in XXXX, CA and they stated they can't help me either and I should speak with Mercedes Benz finance. I have never dealt with such a problem in my entire 20 years of leasing a vehicle. They are throwing the problem back and forth to each other and I don't know who I am supposed to talk to get this problem resolved. I really want to lease a Mercedes Benz and they are denying me for no solid reason, and are not resolving this case. Please help me, if they are denying me because of my race, sex, or how I would like to obtain my car with a 1 pay lease program that they are offering, then they are discriminating me. I have attached my driver license social and the contract. unfortunately I wasn't Able to attach all 36 pages of the contract because it doesn't accept big files, but I included the key pages, and can submit the full contract through other means if requested.
03/01/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	IL 60419	Web
Mercedes Benz Financial Services did not place the credit/debt on my credit report as a co-signer when account was opened XX/XX/XXXX16 and paid off on XXXX/XXXX/16. They finanlly did put it on my credit and it is still incorrect after 11months of me complaining to various agencies and the IL attorney General is currently involved XXXX & XXXX on XXXX XXXX, 2016. From MBFS actions deprived me of building my credit as well as violating various FACTACT and fair lending policies. MBFS stated in a letter dated XXXX XXXX, 2016 that they are not legally obligated to report on me a co-signer and it was a business decision NOT TO place this on my credit but did in XXXX 2016. All this time of NOT putting it on me. This financed instution from day one for that personal decision in which they mention done unfair and deceptive business practices to me and the Primary ( Master Sergeant, XXXX XXXX ) on this Paid in Full account with them. To this day the information is still incorrect where they inflicted harm and well as negative and financial loss that we both endured. They need to be trying to settle with us for their wrongful and discriminatory actions. They on MSG. XXXX have unknown for XXXX and have incorrect dates and dollar amount. And for me co-signer they did not report XXXX, XXXX payments that was paid on time and for XXXX they have the same thing on me an X for unknown where they did NOT call in at all and report these payments. And after asking for XXXX extentions by their attorney is when their attorney convinced them to correct my credit report and then mishandled and abused my financial and personal information to IL Attorney General by NOT covering my social or crossing out so that my entire social is n't revealed to all who handles that case. and that was done intentionally as well. attachment XXXX is MSG. XXXX report. We have asked them over 5 times to correct our credit reports and they caused us to be financed at a high interest rate after paying them off because they did n't correct nor provide the accurate information throughout paying them with this account is the harm and financial loss that they provided to us. Where this new finance company got a old glimsp and negative review and rating from them by not reflect the TRUE picture harmed us tremendously. In addition to them not reporting on us being retalitory cause both of our credit scores to drop from XXXX. This is n't right! Mercedes Benz Financial Services knew from the very beginning that I the co-signer would be the XXXX paying all these car payments.
06/25/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 774XX	Web
I leased a new vehicle on XX/XX/2019 through Mercedes-Benz Financial. I faithfully made payments on the vehicle, but then my husband left me, and I subsequently lost half of my income and had to take on all of the marital debt. I knew I would not be able to afford the vehicle any longer, so I made arrangements to turn it in. I did this in XX/XX/2019, turning everything over to Mercedes-Benz, no damage, everything intact, mint condition. I understood this was a voluntary surrender/turn-in, and my attorney advised me that this was the best option. Soon after ( less than two weeks ), MB Financial began writing me letters and calling me incessantlyearly in the morning before XXXX, and late at night at XXXXabout trying to collect an outstanding balance on the vehicle. I work in the evenings, so this would wake me up every single morning, and as soon as I would decline the call, they would call right back repeatedly. I was unable to block the call because it kept coming up as unknown. My lease was for four years, and the lease payment on this vehicle was {$1300.00}. The vehicle had a gross capitalized cost of {$84000.00}. The agreed depreciation value at end of the four year lease was listed as {$36000.00}, with the original agreed upon value of the vehicle at beginning of lease listed at {$58000.00}. However, MB Financial, even after auctioning off the vehicle was trying to collect from me {$62000.00} ( total amount of base monthly payments over the four year lease ) minus the months that I paid ( XXXX, XXXX, XX/XX/2019 ). The vehicle was 4 months old with less than XXXX miles on it. The buy-out price at the END of the lease was listed as the {$36000.00}. The amount they were trying to collect was more than the price of the vehicle and more than the value of the vehicle at the time they sold it. I have been disputing this debt with each of the credit reporting agencies continuously, and each time, MB Financial responds that it is a valid debt. MB has their vehicle back, theyve sold it, and theyre trying to collect MORE than the value of the vehicle from me on a vehicle that I dont have in my possession. They have been incorrect, unprofessional, pushy, aggressive, threatening, and uncooperative. I thought I was doing the right/best thing by doing a voluntary surrender, but it looks like it didnt pay off well for me. I need something to be done about these people, because they are relentless. Thank you so much for your time and consideration and help. I have XXXX little kids and am struggling.
02/22/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	FL 33916	Web	Older American
My wife and I leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX , NJ. The lease was through Mercedes-Benz Financial Services . We decided to purchase the vehicle and received the payoff letter from XXXX on XX/XX/XXXX. We followed all the instructions and overnighted the check ( along with a package which included an odometer reading, copy of Florida drivers license, special Florida mailing instructions, a copy of the payoff letter, a Florida payoff checklist, a copy of our auto insurance, a signed Florida Power of Attorney/Odometer disclosure, a signed lease end inspection summary, a copy of the Florida vehicle registration, a signed certificate of emissions and the titling instructions ) for XXXX within the 10 day window. The check was mailed overnight on XXXX XXXX, XXXX, tracking number XXXX, and they cashed the check XX/XX/XXXX. We also included a separate check for XXXX made payable to XXXX XXXX and XXXX per the instructions from XXXX financial. This extra fee that XXXX XXXX requested was so they could register the vehicle in our name at our current Florida address. We were originally told that we would get the title in 10 to 14 days so we requested that it be sent to our NJ address. After not receiving the title by XX/XX/XXXX, we updated the request to have the title sent to our Florida address. We have contacted XXXX XXXX weekly by phone every week for the last XXXX months because we have yet to receive our title. On each phone call we are promised that the title is forthcoming. One of the excuses that we were given was that a title mistake was made when we re-registered the car to our Florida address in early XXXX. They blamed this on us (!! ) but this was also a problem with their title department... we did not initiate a title change at that time! It has been over over 15 weeks since we sent them our check and we have not yet received the title as of yet. In fact the last conversation we had with them on XX/XX/XXXX, we were told that we would not be getting a title in our name, but would be getting a payoff letter so we could register the title ourselves. This seems odd because we already paid XXXX to Sunstate Tag and Title and included that check ( per MBFS instructions ) in our payoff package sent to Mercedes Financial on XX/XX/XXXX. I have attached XXXX pictures showing the checks that they cashed and the receipt from our overnight package to them on XX/XX/XXXX. I have copies of all the other documents but they exceed the 10 megabit limit to upload with this complaint.
08/04/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NY 117XX	Web
After I was made aware that they were investigating my first complaint via this agency, they update my credit report by only removing the settlement amount from my insurance company not the complete removal allocating the difference between payments of settlement and amount owed. I have continually supplied Mercedes Benz financial with the gap insurance documents concerning said vehicle and policy that was purchased straight through their company. When looking through my online account with Mercedes Benz financial they currently state that I owe XXXX dollars in XXXX of XXXX. They continue to falsely report on my credit report, honor the gap insurance purchased via Mercedes Benz financial themselves and now are holding up millions of dollars in EIDL funding due to their misreporting that a balance of approximately XXXX dollars is actively owed on the account. This account is closed and paid in full yet they refuse to close it out in a timely manner and in concerns to all insurance and/or financial institutions which operate in this great country the USA they must act in good faith and if not they risk civil penalties concerning damages suffered by such bad faith actions including but not limited to monetary damages suffered. The employee investigating the first report does not return calls or questions and Mercedes Benz Financial continues fraudulent reporting to the credit bureaus forcing me to make payments continually in order to secure more payments while they delay in their first investigation of the primary complaint. They have collected over XXXX dollars from me in addition to the settlement received from XXXX. Customer support was contacted this day of XX/XX/XXXX as representative XXXX, refused to release last name, assisted confirming no payment due until XXXX for some odd reason as the reasoning was unknown to even him. He advised that they will continue to report payments and active status until finished in processing which now has been over 4 months. Settlement negotiated that of XX/XX/XXXX as advised of total loss settlement by XXXX customer service. Mercedes Benz financial agreed to release the additional payments made to account through their blackmailed activities forcing me to pay for this entire period. Now today this customer service agent states no such notes are on the account. The lies and deceptive nature of this institution will be evident through my pursuit of reasoning of such activities must be addressed and damages paid in full.
10/01/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	FL 33625	Web	Older American
Dear Sir Below is my plight with Mercedes Benz both of XXXX XXXX and Mercedes Benz Financial. I have written both the GM and VP of finance with no response. Can anyone help me?? My letter to the VP OF FINANCE : Good Afternoon Mr. XXXX, Below you will find most of my issues with XXXX XXXX XXXX XXXX XXXX. Now due to XXXX and not to mention that my husband took a 40 % cut In pay we continued to pay our car based on what they told me. Now they said my credit is to bad. Well I bet half of America took a hit. I then mentioned that my husbands CREDIT was strong and he didnt want to hear it. When last time it was no issue. He btw just purchased another Mercedes approximately 6 months ago. How can you not approve a loan that is {$350.00} less per month but expect me to pay my current payment?? I dont believe that this is how Mercedes treats its customers. I think that XXXX is upset and quite frankly was rude and unprofessional. Make it a Great Day!! XXXX XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX XXXX EDT To : XXXX Subject : Re : How was your visit at XXXX XXXX XXXX XXXX XXXX My Letter to the GM OF XXXX XXXX XXXX : Good Evening Mr XXXX XXXX I got this email from you. I just left your dealership and needless to say I am disappointed in your dealership and let me explain. I signed without ANYONE DISCLOSING that I was paying XXXX for a XXXX car. XXXX XXXX years ago we leased a XXXX from your dealership, at that time your Finance Manger XXXX assured us that if we sucked up our large car payment for 2 1/2 years we could come back and trade out of our car NO PROBLEMS. Well even through Covid we pressed on and suffered through pay furlough and so forth. Going on the WORD of your dealership Well we came in today and dealt with XXXX and now we find out that we were deceived. We ended up paying XXXX for this car and we are $ XXXX upside Down?????? Now please explain how your dealership does this to repeat customers?? Now you want me to eat this yet again!! So I am trying to LOWER my payment and you tell me now I am not credit worthy and because my husband has a car which by the way is a Mercedes bought in your dealership he cant sign. But it was ok for him to sign last time. And my dad who has a FICO score of XXXX wasnt either. Hmmmmmm Huge discrimination!!! So I am looking at a 2021 suv and you still cant cover your deceit and want me to pay for your dishonesty. Make it a Great Day!! XXXX XXXX XXXX
07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 117XX	Web
Mercedes - Benz Financial Services Filed with the credit bureau that I was late on a payment in XX/XX/XXXX. I had realized the issue only when applying for a disaster loan that affected my business. Because of this negative remark, I was unable to qualify due to Derogatory Marks concerning my auto loan. I investigated and showed Mercedes via email that they were at fault as they switched my statements to electronic statements without notification. In addition, I was hospitalized during this period and without a statement, my caregiver ( XXXX XXXX ) was unable to pay said bill. Also, concerning this payment, I called to rush payment after two days late as i checked payment status as it is also on automatic billing and the automated system said no balance due. The next month it had stated an amount in excessive of double my payment, which I paid in full. I have called numerous times including their submission form in concerns to this issue and they have promised calls back with customer service stating that it is notated on the account that someone will follow up. Not one call has been received and I have been fighting this issue for 3 months. They falsely reported this multiple times and their choice to not change or communicate said requests is fraud as they never notified me concerning the statement delivery switch. Issue number two is they continue to bill me even though they received a settlement on the vehicle and I have gap insurance through Mercedes-Benz Financial. Customer Service threatened me if I do not pay they will hold me to it on my credit. The documents are attached proving payment from my auto insurance company. A lawsuit is in the process for this institution as they also violated ADA, Americans with disabilities act, violating reasonable accommodations for those whom are XXXX XXXX. These false reporting are causing the denial of an EIDL, Emergency Disaster Loan, of over XXXX XXXX dollars between my two companies. Damages more than this will be applied as well as they refuse to remove said debt from my account. This is fraudulent activity and any company supporting these actions are being listed in the pending lawsuit. The insurance company also delayed payment by 5 months ignoring my requests as well as this will be pursued in a different matter. Also, I logged into my portal to view status of my refund and they actualy ar requesting an additional payment for XXXX with no desription of the reasoning. Image Provided.
08/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28210	Web
My name is XXXX XXXX, I got XXXX XXXX XX/XX/XXXX. XX/XX/XXXX I started having issues with the car. I was reassured that the issues were because the car has been sitting for a while. Anyways the issue continued. I let them know. Didnt get a response so I was told it was the brakes so I paid to get them replaced. This wasnt even 30 days into having the car. After that the car wobbles when I turn and makes a noise.. this is early XXXX. Im thinking its the tires. I replace the tires and get an alignment {$1200.00}. A few weeks go by ( Late XXXX ) and the waddling is back, there is a loud noise when I turn and its time for my oil change so clearly its NOT the tires. I call XXXX and they tell me itll be a month before they can do any service. I didnt want my engine to lock up. I pay for an oil change. ( XXXX ) I wait a month ( XXXX ). They had my car XXXX weeks and say they replaced the brakes and fixed the waddling but Ill need an alignment. ( {$290.00} If they do it ) Why not align it already? The car has been having this issue from the jump. I got it aligned at XXXX. I just purchased tires from them not too long ago so its included. I got my car back and the back was indeed fixed HOWEVER. All the issues I had in the back are now in the front. EXACTLY the same issues. The front was PERFECT. I have an ALL WHEEL DRIVE car so I KNOW all they did was flip the car parts underneath. Ever since I got this car, Ive had issues. Ive been putting money into this car from day one. I have fell behind on payments because its IMPOSSIBLE to pay for repairs and rent and car insurance. I cant make payments AND pay for repairs. I have reached out to Mercedes sent them the screenshots, bank statements confirming me paying for repairs, I do not want this car anymore. I wanted to trade. Now they wont finance it because my credit has fell behind due to this issue particularly. They wont resolve the issue do a payment deferred. Swap the vehicle out NOTHING. I traded my car in for this one so this is my ONLY means for transportation. They are XXXX up XXXX. Ive already reported them 6 times to the XXXX. They need to be shut down immediately I called XXXX financial and they said they wont accept any payments from me except the XXXX XXXX full pay off amount THEY SOLD ME A BAD CAR AND THEY KNOW IT! Now the community needs to know it! I WILL SUE AND ILL LEAVE WITH MORE THAN WHAT THE CAR IS WORTH ESPECIALLY FOR THE PAIN & SUFFERING IF WE CAN NOT COME TO A RESOLUTION
01/11/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	CA 92584	Web	Servicemember
A leased a new car manufactured by Mercedes Benz USA that was was un-merchantable as one week before I leased the car, the manufacture ( Mercedes Benz ) had already planned a nationwide recall and subsequent stop sell of all modes of the car pursuant to federal laws because, there were no parts available to repair/prevent inadvertent driver-side air bag deployment. To make matters worse, Mercedes reps contacted me to complete the lease transaction and sign additional documents on the day the recall became active and on " three '' separate occasions after the " recall and stop sell '' of the car was placed pursuant to federal law. Yet, failed to inform me a " stop sell '' of the car was now placed. I discovered the facts above three weeks after purchase. Thus, had the car towed back to the dealer, refused to retake possession and instantly sought lease recession because I feared for my life if driving a car that is known to inadvertently deploy the driver side airbag. As well as due to not receiving the goods promised, the car not being of the quality a new car consumer of a luxury product reasonably expected and not being informed of the pre-existing driver-side air defect ... I would not have purchased the car or completed the lease transaction had this information been disclosed to me beforehand In addition, at the same time, the car was also found to have defects of the passenger air bag as well, in that the OSC censor failed and would not deploy the passenger airbags should their be an accident. Thus, both driver and passenger air bags were defective within the first three weeks of purchase. Yet, my request for lease recession citing the above reasons was denied by Mercedes, the car remained at the dealership for one month pending repair of the driver airbag and while Mercedes would go on to repair the car against my will.. they also partook in unethical business practices as they rejected my request for lease recession by stating the car was repaired and suggest legal action should I refuse to retain possession of it. As a result, I have spent almost one year trying to informally resolve this matter. However, Mercedes continually refused to address any of the claims cited here within directly and or explain how they are absolved from granting my request for lease recession when they knowingly allowed a car to be leased with a known substantial, safety defect and absent disclaimer.
10/11/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	MI 481XX	Web
In XXXX of XXXX I leased a XXXX XXXX XXXX XXXX. I began having problems with the vehicle in XXXX XXXX. Specifically, jumps while switching gears and gets stuck in gear XXXX. The problem mainly occurs when the car is switching gears from XXXX to XXXX and XXXX to XXXX. The car jumps so much when shifting that it is hard to control. When the car gets stuck in XXXX gear the engine revs but does not shift out of gear. I began taking the car to the dealer ; however, the problem was never fixed. The claim was that they could not duplicate the problem. On XXXX XXXX I took the car into service and provided the dealer as well as XXXX with videos showing the issue that I am complaining about. Also I provided copies of other driver 's experience with this issue and I have described the issue in detail with the hope that the issue will finally be resolved. Additionally, I told the service manager that the issue appears to be software related specifically it is either malicious or incorrect code in the vehicle software. On XXXX XXXX after 53 days in the shop and XXXX miles on vehicle they returned it saying they could find nothing wrong with the car so no repairs were done. Upon return of the vehicle I noticed that the service report for the XXXX XXXX service was incorrect. The report stated that my car had only been in the shop from XXXX XXXX to XXXX XXXX and there were no miles put on it while it was in service, which is false. I pointed these errors out to the dealer who noted the inaccurate information. Since then, the car has been in the shop 3 additional times for the same issue and nothing has resolved it. Accordingly, the vehicle meets the statutory requirements to be deemed a lemon and repurchased by the manufacturer. On XXXX XXXX, XXXX XXXX made an offer to repurchase the vehicle and give me {$1500.00} towards a new C-Class. However, on Monday XXXX XXXX, XXXX they reneged. Since reneging on the offer the vehicle has been in the shop 3 to 4 additional times for the same issue. XXXX has ignored every correspondence and notice that they have received about the vehicle. They have also refused to keep the vehicle until they figure out what is wrong with it and provide alternate transportation. As it stands the car is unsafe to drive, however, I have no choice because they reneged on their offer and as a consequence I am paying for a vehicle and its use is substantially impaired.
09/19/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	CA 94521	Web
I went to the XXXX XXXX dealership on XX/XX/23 to buy out my lease car and the buy out price they told me was different from what I agreed on the day of lease start date, which is XX/XX/23. I have a screenshot of the printout. I was told by the sales person that I get a lease credit of {$7500.00} if I lease the car before I buy out instead of buying at front because of the income cap. So I did as I was told. Then, I told them I want to buy out next day so that I didn't have to pay the extra rent charge. They said that I can't buy for next 2 to 3 weeks. After 2 to 3 week, I went to the dealer to pay the buy out amount. Then, they said that I have to pay more now because of the rent charge. It is very fair that they don't let you pay and charge you more. The dealer should not advertise lease credit of {$7500.00}, make consumers pay later to charge more rent charges and fees without a notice. It's a fraud and false advertisement. I also have screenshots of the texts I sent to the sale people to let them know that I want to buy out ASAP. Now, the Mercedes-Benz finacial service is asking me to pay more than what I agreed on the lease start date and billing me the rent charge that I was not told when I signed the lease. The dealer said I have to pay more rent charges even if I tried to pay earlier to prevent this charge. I told the dealer and financial service that I would like to start the dispute process for the discrepancy amount and asking them to release the title, but no response from them. I have already paid the amount I agreed on the date of lease, which {$75000.00}. I believe that using the tax credits to advertise cheaper car prices, then making more profits by making consumers pay later and charges more rent charges without a notice seem like treating the consumers unfairly. I feel that what they are doing right now is deceiving the consumers and abusing the tax credits and the system to make more profits for themselves. I would like to request the Bureau to investigate this issue, initiate an administrative adjudication proceeding by filing a Notice of Charges alleging a violation of a consumer protection statute, or filing an action in federal district court. I hope they stop this practice, and other consumers don't get into the same situation like mine. I hope to hear from the dealer and the financial service soon to resolve this issue.
12/04/2021	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	DC 200XX	Web
Issue : Mercedes Benz Financial Services Title Release Dispute on XXXX yr. old XXXX XXXX XXXX XXXX I am writing to request your assistance, and confirm my FCRA Rights, in re. to a now " XXXX '' campaign to secure a " Title/Lien Release '' for my " XXXX XXXX XXXX XXXX. XXXX had previously agreed to the release, accepted a {$20.00} release fee, and abruptly reversed the release based on an alledged " {$7000.00} '' refin balance from XXXX that I have consistently disputed, and XXXX has repeatedly " declined '' an " audit '' to allow cross reference of " cash payments, '' many made via a " 3rd Party Collection '' entities, XXXX. XXXX XXXX, and a now defunct XXXX XXXX and XXXX XXXX Bank XXXX XXXX many payments still yet unconfirmed. " XXXX has " acknowledged in writing that they have no interest in pursuing collection, '' yet, refuse to release the Title This matter is urgent in that the vehicle, can't be registered/tagged and has accumulated over {$2400.00} in DMV Parking tickets for expired registration/damage vehicle, and must be moved post-haste and sold as salvage. The current estimated value is now {$250.00} of which I have offered to pay XXXX for the Title Release. The vehicle was a " lemon, '' that over time amassed a staggering {$30000.00} in repair costs! There are other and more egregrious issues as well with XXXX that triggered costly and long-term damages : 1. FCRA Violation : MBFS : Action or Failure to Report " Original Loan '' of {$37000.00} to Credit Bureaus causing irreparable credit issues over a 10+ yr period. ALL PAYMENTS WERE ON TIME, BUT MOST WERE UNREPORTED forcing a much-damaged credit score, credit declines and XXXX. XXXX admitted the error, and only corrected it in XXXX- too late to remedy the reputational damage. 2. FCRA Violation : Refinanced Balance : XXXX has " refused an audit '' for the past " 11 yrs. '' to confirm payments made in cash via XXXX XXXX and other XXXX party entities to resolve an alleged balance of {$7000.00}. They also " declined '' settlement thus balooning the balance despite repeated written and verbal attempts at resolution! XXXX. FCRA Violation : RE-AGED The Acct : XXXX repeatedly r '' e-aged '' the refinance amount beyond the allowable statute of limitations causing repeated and major damage to my credit worthiness! Your office is my last option for guidance! I welcome your immediate reply!! Sincerely,
01/14/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 29605	Web	Servicemember
I was purchasing a truck from XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. It was a XXXX XXXX XXXX. I also purchased a extended warranty at that time, and got the gap insurance to.I put {$3000.00}. down on truck.Truck was financed through Mercedes-Benz financial. Extended warranty with XXXX. I have got all my paperwork. I ( XXXX XXXX ) was driving back home to XXXX, SC on the way I had lights going off on dashboard. I called and text XXXX about this, he said keep driving it because of truck sitting. ( i got my textes ) i kept going, got truck home and loaded it up getting ready to go to XXXX GA got a job with them owner operator.When i got ready to go on the XX/XX/XXXX truck would n't crank. Text XXXX, but i got a jump and went on to XXXX. On XX/XX/XXXX took truck to XXXX get a DOT inspection for XXXX XXXX. Truck did n't pass. Needed brakes.I got it fixed.I have not even pulled my first load at this time. Then on XX/XX/XXXX had problems with truck took truck to XXXX XXXX, XXXX machainic called Mercedes and was going to get approved to do work through insurance and they stated i did not have insurance. We all XXXX and myself was looking at paperwork and said i got prove of insurance and could fax it they said no. I had to pay out of pocket.XX/XX/XXXX back in shop again, called Mercedes they still say no insurance out of pocket again. XX/XX/XXXX had to get truck worked on again., had to pay out of pocket.XX/XX/XXXX-XX/XX/XXXX back in shop.XX/XX/XXXX in shop. XX/XX/XXXX in shop. XX/XX/XXXX back in shop,XX/XX/XXXX in shop. Each time i would call Mercedes about truck being in shop, I could not keep making payments and paying for truck in shop, Mercedes finanly said get truck out shop and i could catch up on payment. I did and the week i got truck out they said make payment are they was going to repossess truck, I tryed making half payment they would not accept it. They said bring truck and turn in. I took truck to XXXX NC and called Mercedes and told them where truck was. I talked to them, Mercedes said since i turn truck in it would not go against my credit but it did. I paid out over $ 11,000.on my truck, I paid for a warranty and was making my payments, I could not afford both. I lost my job because truck staying in shop all the time. I lost my truck and my job, and got a repossession on my Credit. How can i get this off my credit?
06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 119XX	Web
Mercedes Benz Financial Services ( MBFS ) # XXXX The Credit Bureaus are reporting 30-days late for XXXX. MBFS previously said we were 30-days late for XXXX, not XXXX & submitted a negative mark for it. We requested COVID assistance in XXXX from MBFS for both cars we have with them. They only processed one then ( not this one ). We had made a payment on XX/XX/XXXX. We made a payment for this car on XX/XX/XXXX over the phone with an MBFS collections rep. The rep acknowledged that there had been a delay processing our COVID deferral request. The payment made in XXXX would apply to XXXX & all late fees would be waived because it was their fault for the delay. The rep also said thered be no impact to our credit. We filed a dispute on XX/XX/XXXX after it came to our attention that MBFS had filed a negative mark on us. On XX/XX/XXXX we spoke w MBFS who said the issue was being worked on and would be resolved in 2-3 days & apologized for the inconvenience. XXXX confirmed on the same day that they had yet to hear from MBFS. We followed up w MBFS on XX/XX/XXXX who confirmed that the late mark would be removed & a credit correction letter emailed to us confirming this. It would be sent within 48hours. On XX/XX/XXXX, we still had not received the email & followed up w MBFS. The MBFS rep said that because of legal issues relating to credit bureau reporting they could not email the credit correction letter to us but would mail it to us no later than XX/XX/XXXX. On XX/XX/XXXX, we still had not received the letter & followed up w MBFS. We spoke with 3 different reps on XXXX. The first said that they actually could not legally send us the letter but that an update was sent to the bureaus on XX/XX/XXXX removing the late mark. MBFS suggested we follow up with the credit bureaus which we did only to be told they had not receive an update from MBFS removing the mark. We lastly spoke w MBFS Subject Matter Specialist, XXXX XXXX. She checked with their collections team & confirmed our story. XXXX also confirmed that MBFS credit dept had auto/manually corrected the late payment mark & the account shows no late payments in its history & in good standing. This update was supposedly sent to the bureaus on XX/XX/XXXX removing the mark. XXXX still shows a late mark on the account. Pretty absurd given the strict rules around COVID deferrals.
01/18/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 93021	Web
I purchased a vehicle that was financed through Mercedes Benz Financial, in XX/XX/XXXX. I had some financial difficulty and filed for Bankruptcy that was discharged in XX/XX/XXXX. Mercedes Benz Financial never sent reaffirmation paperwork and stayed in constant contact, for 11 months after the discharge. I was receiving billing statements and phone calls, and since I had never filed for bankruptcy in the past, I had assumed that since I had informed the courts that I was going to maintain the auto loan, this was normal operating procedure. Thirteen months after the discharge, I received a repossession notice from Mercedes Benz Financial and worked out a deal with them, to pay a months payment, and have an additional months rolled to the back of the loan. I made the payment and assumed that all was well. The next day, I received a phone call from a very rude representative at Mercedes Benz, who told me that they were not honoring the deal. I informed her, that the collection of the funds, was an acceptance of the deal and that any differentiation would be a legal misrepresentation. She threatened to have my car repossessed. I spoke to another representative that finally agreed to honor the deal, and she informed me that I was no longer receiving billing statements, due to my " recent '' bankruptcy. She informed me that according to their records, my discharge was XX/XX/XXXX, a full 13 months after the actual date. I also informed her that I never received any reaffirmation paperwork, and was told erroneously, that I was to receive all the documentation from my attorney. He confirmed that the information was incorrect, and should have come from Mercedes. I continued to pay off my loan. Now, it 's is XX/XX/XXXX a full 10 years after the purchase of the vehicle. I contacted Mercedes Benz for a payoff, 3 years ago, and they had trouble finding the loan. I was told I would be called back, which I never was, so I contacted them again the next day. I was told a bloated amount, thousands more than my records. I have had the car for the past 3-4 years and have not made any payments. The bank, has made no attempts to collect, but I have not received a title for the vehicle. I want to file a complaint against MBFS and have the title sent to me, asap. The original, used vehicle loan, is over 10 years old! Thank you for your time.
12/09/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	LA 70065	Web	Older American
Dear Sir / Madam, I am giving you chronologically my complaints. 1. I bought a brand new XXXX XXXXXXXX XXXX XXXX SUV from XXXX XXXX XXXX XXXX XXXX in XXXX. The Title is attached. 2. In XXXX of XXXX, I noticed paint peeling off from different areas of the vehicle and I e-mailed XXXX XXXX of the dealership. The email is attached along with responses dated XX/XX/XXXX. 3. A lady from the dealership called me a few days later and said that the situation was not in their hands and the decision to correct the fault would lie with Mercedes Benz Head Office in New Jersey. 4. I waited for over 4 months for a response. I had to get a tire replaced at XXXX XXXX XXXX XXXX and the Sales Consultant saw my car and remarked that lots of these " scarlet red " SUV 's were having the same problem. 5. I contacted XXXX XXXX XXXX XXXX again, spoke to XXXX and sent her quite a few pictures of the affected areas. She advised me that her Service Manager would respond to me. 6. After a few days, she said that her Service Manager requested me to contact the Head Office as they could not help me. 7. Thereafter I wrote an email to the Executive Referral Manager - XXXX - On XX/XX/XXXX. XXXX. The email is attached. 8. On XX/XX/XXXX. XXXX XXXX, the Manager of the XXXX XXXX Repair facility on XXXX XXXX, XXXX, Louisiana called me over the phone and requested that I bring the vehicle to his workshop so that he could inspect it. 9. He inspected the vehicle, took pictures of the vehicle and made me sign a form. Verbally, he confirmed to me that he would start working on my car around the first week of XXXX and it would take about three weeks to complete. He also said that they are correcting the defects of this particular model and car color one every month. 10. On XX/XX/XXXX. I called the Repair facility at XXXX XXXX. I gave her my details and she advised me that they did not have the approval to re-do my car and that they could not not tell when it would be repainted and speculated perhaps in XXXX / XXXX of XXXX. I was quite disappointed. 11. On the very same day, I wrote an email to " XXXX " and the email is attached. I advised him that if I did not hear back from him, I would have the option to contact any entity to correct this fault. The email is attached. Attachments : 1. Title. 2. 3 Emails 3. Photographs of the vehicle.
03/07/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NY 11692	Web
this company Mercedes Benz Financial Services claims my account is closed, repossed, Full termination/balance owing, past due with a remaining balance of {$6200.00} and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. they have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number, reporting a balance on a reposseed car. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible! This letter is a formal statement notifying the above parties that the accounts under VIN # XXXX are disputed. The vehicle in question was purchased on or about XX/XX/XXXX, financed by MERCEDES BENZ FINANCIAL, repossessed in the state of New York, and sold by MERCEDES BENZ FINANCIAL on or about XX/XX/XXXX. Under the laws of New York and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
11/30/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 92307	Web
I am late on my payment due to unforeseen life circumstances and I called to defer my payment so I can get current again. They agreed but said there would be a XXXX XXXXXXXX interest fee to do so. Then he ( XXXX XXXX put me on hold and came back and said he got it reduced to {$400.00} and that it would stay open for a week or so then go away. He said this is based on my days late and that I should agree not to lock in the {$400.00} over the {$900.00} because if not it will go up. I asked if this was a fee or interest, he said a fee, but its interest. He made no sense and could not explain it in a way that did, and if the deferment would be in place or not. He said they agree to the deferment and it will stay open until I pay the fee. I told him it cant be a fee AND be interest so is the FEE being applied to interest and he could not answer. I asked for a supervisor that could explain this to me better because I was not understanding this. He then transfered me to XXXX XXXX and she could not explain it either. I requested something in writing that explains this and what I would be agreeing to and she put me on another long hold and came back with nothing and said she would transfer me to someone that could explain it. I said thats what the last guy was supposed to do, and asked if she was a supervisor, which is what I requested and she said she was not. So they basically wanted to just keep transferring me around to reps until I just accept this term that makes no sense or give up. I asked for a supervisor and she said she has to put in a request which I had her do and I have to wait for them to call me back. I asked her how long and she said a few hours to a few days, they were all busy helping other people. I have had MANY auto loans and I have NEVER had this kind of FEE/Interest charged when deferring payments. This seems very high pressure and a sketchy way for them to rip people off that are already falling on struggling times trying to keep up. Someone please let me know if this is legit. Because of this they said my 30 day credit will take a hit, they really have no sense of urgency to assist clients, I expected FAR better service from Mercedes Benz, let alone service that seems very sketchy combining Fees with interest, which I do not think you can LEGALLY do?
07/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77433	Web
Dear Consumer Financial Protection Agency ; I am emailing you regarding a problem that i have with Mercedes Benz Financial Services, The problem started in XX/XX/XXXX when I decided to pay off my vehicle because I was in the process of buying a house ( my kids school was rezoned and they will be attending a not so good school because of that so we decided to move to another neighborhood with better school ) which I cant do anymore because Mercedes financial reported late payment to the credit bureaus which dropped my credit score to low XXXX. Mercedes claim that i was late on my payment in XX/XX/XXXX, however i did mail them a cashier check back in XX/XX/XXXX, unfortunately i only wrote the last six digits of the Vin number on the cashier check when i called them two days later to make sure they received the check they informed me that they cant locate it and to give it few more days. A week later i mailed them a copy of the cashier check and XXXX receipt, finally after two weeks they were able to locate the check but by then we were in XX/XX/XXXX already and they informed me that i will have to send another cashier check, at that point I asked them to please not to report it to the credit bureaus as a late payment considering that they did n't wan na overnight me the first cashier check and I had to wait a week before I received it. When I received back the cashier check we were in XX/XX/XXXXalready and at that point i decided to wire transfer them the money instead of mail to make sure that wont refuse it again. Because of that now I have low credit score and I cant buy the house that I wanted for my kids so they can attend a good school. Its sad that I have a late payment on my credit report considering that the vehicle is paid off and I really did mail them a check in XX/XX/XXXX and i begged them back then not to report it since now i have to wait for them to mail me my check back before I can do another one. When I asked them not to report back in XX/XX/XXXX they did inform me that it gets done automatically but they told me not to worry because once they receive the other check they will take it off!! when i called them today they said they cant take it off because a third party does the reporting and they do n't even have a phone number where I can reach them
11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CO 806XX	Web
Account Number : XXXX Company Name : Mercedes-Benz Financial Services XXXX XXXX Credit Dispute XXXX XXXX XXXX XXXX, Texas XXXX This company has engaged in retaliation and fraudulently reported a late payment on my credit report which has impacted my ability to get a home loan as well as resulted in a {$4500.00} increase in my auto and home insurance policy. The vehicle in question was totaled in XX/XX/2022 and the insurance company paid off the vehicle in XX/XX/2022. I submitted an extra payment in XXXX to ensure that there was no gap between the due date of the next payment and the payoff by the insurance company. Despite my efforts, this company engaged in retaliation and reported a late payment in XX/XX/2022 which has ruined my credit. I have contacted all three credit bureau agencies to dispute this information and I also reached out to Mercedes-Benz which has shown no effort to try to resolve this issue. They even indicated that there was no way to email or communicate other than mailing a letter to dispute this issue. They sent a letter to me that clearly indicates the vehicle was paid off in XXXX but yet they're not willing to verify this internally or admit that they fraudulently reported this late payment. My concern is that if they fraudulently reported a late payment what will stop them from further engaging in fraud by responding to the credit agencies by claiming that the late payment was valid. In the meanwhile, I've been denied a home loan and I'm faced with paying an extra {$4500.00} in insurance costs until this fraud is resolved. In addition to requesting your help to resolve this issue, I need to know if there's any remedy for the financial impact of this retaliation. I got a letter from my auto and homeowners insurance indicated that my rates were substantially increased as a result of my XXXX XXXX that was impacted as a result of Mercedes-Benz fraudulently reporting a late payment. My score dropped from XXXX to XXXX specifically because of this fraudulent report. I am confident that this is fraudulent because I contacted the company over XXXX times between XXXX and XXXX asking them to refund my overpayment. They finally issued a refund of my overpayment a week ago which is further indication that there was never a late payment.
07/12/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	CA 92883	Web
In XX/XX/2023, I applied to lease a Mercedes XXXX from the XXXX. XXXX Mercedes-Benz dealership . The total value of the lease agreement was approximately {$120000.00}. Despite my robust financial standing, including a XXXX score of over 800, an annual income of {$340000.00}, and more than {$150000.00} in cash savings, my application was denied. Mercedes-Benz Financial Services USA LLC informed me that the reason for this denial was that I had not previously leased or purchased a car worth {$120000.00}. Subsequently, I was approved to lease a vehicle up to a value of {$92000.00}, despite my creditworthiness and demonstrated financial capacity to manage the initially requested lease amount. This explanation for denial raises serious concerns, given my understanding that it is not legally sound to gatekeep the approval of lease agreements based on a consumer 's prior purchase or lease history. It is particularly worrisome when an applicant, like myself, possesses a robust financial profile indicating their ability to meet lease obligations. I have reached out to Mercedes-Benz Financial Services USA LLC , seeking clarification and assistance regarding this matter. However, I have not been provided with clear reasons or satisfactory assistance thus far. Despite this, I remain hopeful that they will respond and address my concerns. Given the absence of clear financial impediments and the lack of satisfactory communication from Mercedes-Benz , I am left with an unsettling suspicion that factors unrelated to my creditworthiness and financial standing may have influenced the decision on my lease application. Based on these circumstances, I am led to suspect potential discriminatory practices, possibly based on my race or ethnicity. This suspicion has resulted in significant distress and a sense of being unfairly treated. The impact of this decision extends beyond mere financial aspects, causing considerable disappointment and anguish. I am seeking a comprehensive investigation into this matter, to ensure compliance with fair lending practices and regulations under the Equal Credit Opportunity Act ( ECOA ), which explicitly prohibits discrimination on several bases, including race and ethnicity.
08/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20011	Web
This letter is regarding account # XXXX which you claim my account was late 1 time. Please UPDATE this account to CURRENT on all 3 Credit Bureaus ( XXXX, XXXX and XXXX ) with NO LATE PAYMENTS. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
12/18/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	NY XXXXX	Web
I entered into an new lease arrangement w/ Mercedes Benz Financial via XXXX XXXX XXXX of XXXX XXXX ( XXXX ) NY. I returned my old lease and which should have been returned in XX/XX/XXXX. And, I had negotiated with the same salesman who I have dealt w/ in the past 5 leases. XXXX salesperson named XXXX had been calling and asking if I was willing to come in and look at the new leases as I already new that I was going to be entering into a new lease. I finally made contact w/ XXXX and went into the showroom in XXXX to start the process of finding a new lease, I settled for the same car but XXXX and the incentive for me was that they were going to payoff the remaining portion of the lease up to 3 months, and I will enter a new lease payment. Because it was the end of the summer, and after XXXX weekend I went into the showroom, gave my down payment, signed my credit application. But there was a hold up on my loan due to requirement needed from the MBZ financial to approve the loan, that was approved and I scheduled a pick up date for XX/XX/XXXX at the Service center. ( That was a horrible experience ). I got my call and new payment details. Then, started getting letters from MBZ financial that I owed return least payment and other payment owed. I called and spoke to some one stating that this should have been corrected because I recieved a new lease. Then, received a new bill in which they corrected it but still stated I owed {$680.00} on the final bill of the old least. I spoke to another person from MBZ finacial and I was on the line as she called XXXX to get this cleared up. I never recieved a followup phone call. Now, ON XX/XX/XXXX, I received another bill for {$680.00} and I called on XX/XX/XXXX and got in touch w/ Manager of MBZ financial named XXXX , who call and stated that " spoke to XXXX from XXXX and they will not honor the commitment of 2 months payment owed on the car ''. She also said that it my responsibility and the contract is not w/ MBRVC but with you ''. Iimmediately called XXXX, saleperson handling my sales and I have not herd back from him either. MBZ finacial has added negative remarks on my credit report causing my credit report to drop 99 points.
11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93021	Web
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and equiofax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$6400.00},
01/30/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	FL 33032	Web
On XXXX XXXX I purchased a XXXX XXXX XXXX which was a lease prior to leasing this vehicle I had a XXXX XXXX that I traded in for the XXXX in XXXX when I turned in the XXXX I was over in miles because I had to wait to get the XXXX so the sales rep told me not to worry about the miles he would take care of the miles.but later in XXXX when my XXXX lease was up I discovered that the miles had not been Pais an it was in my credit. So I contacted the sales rep an he pretty much told me that the was nothing he could do so at this time my lease was gon na be up XX/XX/XXXX so I had contacted Mercedez financial to give them my purchase order because the car that I order back in XXXX of XXXX still had not arrived they did not allow me to make an extension I called them almost everyday trying to fix this problem because I needed a extension I've never been late on not one payment they would not do anything to grant me a extension So on XX/XX/XXXX I received a letter dated XX/XX/XXXX stated I ad ten days to turn the car in purchase the car or give them a purchase order. so by the time I received the letter the next day they came to get the car an they never gave me time to turn the car in I asked them why did it take 16 days for mr to get a letter that gave me 10 days to turn the car in I never got a chance to turn the car in but I had already given them a purchase order but they would not help me.if I would of turned the car in I would not had these fees this is affecting my credit. lve contacted them to ask them to remove the fees they want I told them its not fare for me to have to pay these fees when XXXX XXXX delivered the paper 16 days from when they dated the letter they told me I have to take it up with XXXX XXXX when I called XXXX XXXX an gave them the tracking number said that they received the package on XXXX XXXX not XXXX XXXX so that explained why received the letter on XXXX I have attached a copy of the letter as well as the tracking number .Please assist me with this issue Mercedez contact number XXXX purchase order number XXXX my contact number XXXX name on lease XXXX XXXX
02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33076	Web
I submitted a credit application with Mercedes Benz of XXXX for an auto lease which I was well qualified for and received, however, shortly after receiving the vehicle I received a notification from one of my credit cards that also does credit monitoring that there was a change to my credit report. When I investigated further I saw that the dealership had done a hard pull of my credit EIGHT times. As a result my credit score dropped over 30 points. I immediately contacted my sales representative with a detailed accounting of what occurred including a screenshot of the problem and asked for him to have his financial manager contact me immediately. Instead the salesman text messaged my husband ( who was not even on the loan ) to tell him they were working on it. A week later my husband reached out to the salesman for an update as we had not heard anything. His response was they were still working on it. A week after that I wrote another very direct email to the salesman asking for them to contact me only and letting them know I would be taking harsher measures if I did not receive a communication from them as to what was happening to rectify the continued pulls to my credit. I received an email back and call from the salesman followed by a call from their credit manager stating they were working on the problem which seemed to be some glitch in their automated system that kept putting my information back into the system for a credit check. He told me it might take months for them to get it rectified with the credit agency. I told him that was completely unacceptable and I expected it would be rectified in a matter of days. I never received any more communications after even though I have emailed 2 more times asking for an update. I also called Mercedes-Benz Financial Services directly and they were unable to assist me as they were unaware of why this issue was occurring. It has now been a full month and I continue to receive emails from the automated system at Mercedes Benz of XXXX that show I am still in this loop in their system that is causing my credit to be pulled over and over.
02/08/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA XXXXX	Web
XXXX was given multiple opportunities to clarify the terms of the agreement. All security interest and POA 's have been rescinded, they have failed to provide documentary evidence with in the allotted time frame. I complied with 12 C.F.R 226.23 ( a ) 2 and provided Notice of rescission on XXXX XXXX. Sent via certified mail # XXXX XXXX XXXX XXXX XXXX. XXXX has FAILED to comply with Effects of rescission outlined in 12 CFR 226.23 ( d ) 2, as a result affiant has NO further obligation to MBFS pursuant to 12 CFR 226.23 ( d ) 3. XXXX mailed their incomplete response on XX/XX/2022 More than 20 days after the above date of receipt, which directly violates 12 C.F.R 226.23 ( d ) 2. because of a failure to provide previously requested documentation MBFS is in violation of 15 U.S. Code 1611 ( 1 ) for willful and knowing violation and failing to comply with my request for documentary evidence as defined in 15 U.S. Code 44. I am hereby requesting that an authorized officer or agent of XXXX answer questions below, sign, notarize and return the attached affidavit within 30 calendar days of delivery of this notice or mail clear title along with the original promissory note to affiant at the address above, thereby resolving this matter. This is my FINAL good faith attempt to settle this matter and clear up any confusion about the terms of the alleged loan agreement prior to an Administrative Hearing on the matter. Failure to respond will be deemed a dishonor of this Notice and regarded as tacit admission. The affidavits included are evidence that may be used according to the Federal Rules of Evidence to prosecute or enforce any default by you in this matter. My CPA is prepared to offer expert witness testimony should court proceedings be necessary. if XXXX or its representing agents refuse to answer these questions with detailed specific answers, affiant will presume that there is a concealment of material facts and that the promissory note has been altered and stolen and that the alleged borrower provided the money that the alleged lender claims was lent to the alleged borrower.
11/21/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	MA 02467	Web	Older American
I returned a leased XXXX XXXX XXXX vehicle to the XXXX XXXX dealership in XXXX, MA on XX/XX/2020. A few days later, I purchased a brand new XXXX using a loan from MBFS. This is not the first time I have leased on purchased a MB vehicle. I have done so at least on 10 different occasions with the same dealership. Each time I return a vehicle, a technician examines it while I wait. they then give me an immediate report on any excess wear and tear using a " credit card '' test. If a physical damage is greater than the size of a credit card, you are charged. If not, it is waived. Generally, even if the damage is greater it is waived if you purchase or lease a new vehicle, which I did. When I returned the leased vehicle, a technician looked it over and said it was fine. There was no wear and tear according to him. I was surprised when a few weeks later I received a bill for approximately {$3500.00} claiming excessive wear and tear, a vehicle return fee of {$500.00} and excess mileage. I disputed all three. The lease agreement waives the return fee upon the purchase of a new vehicle. The mileage was extended on a prorata basis for two months when I couldn't return the car safely during COVID, and this was acknowledged in a recoded call with MBFS. I have asked for the recording. I disputed the charges in a letter to their TX office. Further, I request they communicate only in writing. They continued to call and I firmly and politely asked them to respond in writing. Without admitting any mistakes they appear to have taken off the mileage and the vehicle return fee but have not credited " excess wear and tear '' which the technician had confirmed did not exist. They have now sent me a collection notice and threatened to report me to the Bureaus as a write off. My score is XXXX. I believe that MBFS is engaged in extortion. They are abusing their reporting power to the bureaus to extort me into paying a non existent charge since fee income beyond interest is sustaining many financial organizations in a low rate environment. Please use your resources to stop them.
05/06/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	FL 333XX	Web
I leased a vehicle from Mercedes Financial between the dates of XX/XX/XXXX and returned it as scheduled on XX/XX/XXXX. During the course of this lease I made every payment on time and in full serviced the vehicle at dealer as recommended and stored it in a garage when not in use for its safety. I asked for extra mileage words the end of lease from XXXX XXXX and associate at Mercedes Benz in XXXX XXXX. He assured me that it was not a problem to relax and enjoy the car that he would take care of it. I returned the vehicle in " like new '' condition in fact the sales representatives present said it was the cleanest return they had ever seen. They became agitated with me when I told them I did not want another Mercedes and I just wanted to return this one and leave. They told me I owed {$1600.00} for overages of mileage I offered to pay but I was told I had to wait for vehicle to be " processed '' this prevented me from being able to purchase another vehicle because I couldn't responsibly budget my next down payment until I had satisfied this outstanding lease fiasco. I visited the dealership seven different times and called at least three dozen times pleading with them to " process '' me car so I could move on. I finally received a letter on XX/XX/XXXX one whole month after returning the car " and it had been used and moved to new owners by dealership '' The letter states that I owe {$3000.00} this amount is double what I was told by manager of dealership when I dropped it off. So at this point I told them I'd like to purchase the vehicle and sell it on my own. They became very angry and said that the vehicle was no longer their it had been sold. I asked how it had been sold while it was supposedly being " processed '' and they just ignored me and left me sitting alone for over an hour I the lobby until I finally became frustrated and left ... Nightmare ordeal especially since I have perfect credit and fulfilled my obligations without fault. I believe they were retaliating against me for wanting to buy a different brand vehicle ...
08/13/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY 110XX	Web
Good afternoon, Thank you for your time. I leased a car from Mercedes Benz. The release was paid in full at the beginning of the contract. When I returned the vehicle there were no other funds due. MB claims to have identified damage and charged me an additional {$620.00}. They sent numerous notices to an incorrect address. When I became aware of the debt, it was in collections with Mercedes Benz Financial Services ( MBFS ). I called them immediately and we settled on paying {$400.00}. They were to send me the info where payment was to be made. They did not. I called them again after receiving another notice. I made payment over the phone, with MBFS for the full amount on XX/XX/19. MBFS has continued to send me threatening letters with language such as " final notice '' letters without a response that notify me that you " have attempted to resolve this matter amicably ''. When I contacted them yet again, they had not record of the {$400.00} payment and wanted me to pay the full {$620.00}. I stated that I would send proof of the payment and sent them a portion of my bank account statement showing {$400.00} being credited to MBFS. Yet they continued to call and state that I owed them {$620.00}. I asked what did I have to provide as proof that payment was made in full. They stated that they wanted my complete bank account statement, specifically all pages. I found this odd since they could check back to their account to confirm payment. It seemed fraudulent. I sent them the information anyway but redacted vital info but they still have not acknowledged that the debt was paid and verbally stated that they refuse to send me a letter or email stating in writing that my debt has been paid. MBFS has behaved in a harassing manner regarding a debt that may have been fabricated but was paid nonetheless and will still not recognize that the debt was paid and will not provide written confirmation. It makes me very nervous that something fraudulent is transpiring with this company. Thank you again for your time and attention
09/11/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	VA 221XX	Web
XXXX XXXX, XXXX through their subsidiaries leased me personally for 4 years and than sold me the same vehicle with defective drivers side air bag knowingly prior to sale which is against the law since the air bag is an essential part of the vehicle that may cause XXXX ( at that time air bag of that type already caused XXXX of approximately 10 people ). I purchased the vehicle from Mercedes-Benz of XXXX XXXX, XXXX Virginia on XXXX XXXX, XXXX I found out about the defect on around XXXX XXXX, XXXX from Mercedes-Benz of XXXX that refused to service my vehicle and demanded to leave their lot immediately since they did not want to be liable for possible death of their customer or employees due to defective airbag. I tried to Contact Mercedes-Benz Financial that I had a contract with, Mercedes-Benz XXXX XXXX XXXX and Mercedes-Benz of XXXX. Every time XXXX more than 20 attempts totally ) I was refused any service of the defect or return of the vehicle. I asked all of those entities to take my request seriously since driving the vehicle in given conditions is like sitting in front of the loaded firearm pointed at my head. Nevertheless, not a single individual in Mercedes-Benz company took my request about repair seriously. Instead They posted {$47000.00} loss on my credit report since I refused to pay for the vehicle that I could not drive. Finally on XXXX XXXX, XXXX the attorney of Mercedes-Benz agreed to accept the vehicle back. I took it back to Mercedes-Benz of XXXX XXXX where general manager XXXX XXXX refused to issue me any kind of paperwork stating that I actually returned the vehicle that would serve as a proof of relinquishing ownership of the vehicle. The whole experience with XXXX XXXX caused me an enormous amount of emotional distress and damage. Also, caused me more than {$100000.00} in financial damages. I would estimate my total emotional, financial and damages in respect to punitive aspects of the nature of this conflict to {>= $1,000,000}. I expect XXXX XXXX be held responsible. XXXX XXXX XXXX, XXXX, VA XXXX
03/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX, XXXX XXXX, XXXX Re : Account Number XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX, Mercedes Benz Financial, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney or sell it to another Creditor without providing proof of the original contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely XXXX XXXX
02/09/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NC 28117	Web
I had a new car lease in XXXX with Mercedes Benz Financial Services ( MBFS ). When I picked up the car, I made a payment, for what I thought was for XXXX - XXXX XXXX. During that period I was encouraged to go " paperless '' and make my payment online. I opted to do this. I made my payment for XXXX XXXX - XXXX XXXX ( when I traded the car in ) on time via their online payment system. When we turned it in in XXXX XXXX, I was told that I owed XXXX more payment, and I made that payment. I was told at the dealership that we were paid in full. In XXXX XXXX, I received a call from the MBFS that I still owed one additional payment, and XXXX of accrued late charges. At that time, I asked for the details regarding what I owed, and I was told that they switched systems, and that they would get back to me with the details. In XXXX XXXX, MBFS called me and said the same thing. I asked them to check their notes, since I never received the information I requested. Then, on XXXX XXXX, XXXX, I had a conversation with XXXX at MBFS. She said that she was going to send out the details I requested. After talking with XXXX, I was satisfied that a deferred lease payment was due. At that time, I offered to pay it over the phone with a debit card. However, I told XXXX that the late charges were still in dispute, since I did not receive the details I requested. XXXX did not want to take the payment at that time, she was going to get the details and call me back. I never heard back from XXXX. My wife and I started to receive calls from a collection agency XXXX regarding this debt. MBFS is willing to reduce the amount of late charges only if we accept a settlement, which will be reported. Since I did not receive notification of this late, which was accrued for 26 months out of the 36 months of on-time payments, I do not feel that I should be obligated to pay it. I have paid the late charges in full in order to stop the collection and negative effects to my credit, even though I do not believe I owed them. I would like to get refund.
04/18/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 77414	Web
I took my car in XX/XX/XXXX to check and see why my car wasnt holding coolant, plus more things. After a pressure test was done, I received a phone call saying that my thermostat needed to be changed and a hose connected to it thats worn would need to be changed also. I got other services done but refused to get the leaking thermostat or worn hose service to be done. I received a phone call from XXXX XXXX saying Mercedes called them saying my car has been abandoned and needed picked up, due to the fact that the guy had sent one number to save to communicate on but called after the first on a different number and I never got a second email, that Im aware of. I picked up my car XX/XX/XXXX paying {$1900.00} and when I got down the road I noticed coolant running out faster than it was when I took it. Filling it up again and again for my hour and a half drive to make it home, I later discover all of the fluids I had been putting in was now on the floor board of my car ( 6-8 gallons ). I called Mercedes and they first said theyd change the thermostat for just at {$1000.00} off. I then asked about the damages since water had been sitting on the carpet. They asked I bring it back in so they could see where the water was coming from. I got with my financier XXXX XXXX and told them both what was going on, as I got it towed in. The following day XXXX XXXX called me saying they had received an alert that my car had been abandoned again. I told them what was going on and they asked that I keep them updated. I called to update them first thing XX/XX/XXXX when Mercedes called me claiming the water was coming from two window seals that needs to be changed. XXXX XXXX then told me that my vehicle was already in the process of being picked up, at the request of Mercedes Benz of XXXX XXXX, they was just waiting on the tow truck. Now Mercedes Benz of XXXX XXXX is running water inside a leaking seal of the door/window sending it to me in a video saying the gallons of water came from that on a day that the sun was out.
12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93638	Web
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$24000.00},
06/30/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	AR 72120	Web
I contacted Mercedes Benz Financial Services to alert them that they are erroneously reporting derogatory credit lines on my CBR. I spoke to a XXXX XXXX who had me fax my credit report to her and she said she could send me a letter today ; they admitted that they have made a mistake, but then she told me I would have to wait 30 days per her Supervisor, XXXX XXXX to get it removed? It is not my loan and I advised it was causing adverse action. I asked for her supervisor, XXXX XXXX, who refused to get on the phone. I asked for an escalation to an Operation Manger and was told that none were available. I asked for an Executive Office of Relations or Complaints department to correspond to and was told there is no contact or email address that can be provided. The agent acknowledged receipt of my credit file and admitted that I was not their Customer, so I do not see how they can report this and then treat me like I am their delinquent Customer. I have never had a loan with them or Lease. I am more concerned with the crass, condescending attitude and belittling comments XXXX XXXX made and at one point actually laughed in my face ( she later said that was a Co-Worker laughing at me ). Yes, I 'm upset ; I 'm irate. They may cause me to lose my home- Please help me. This new agent who clearly did not even know the Leadership of her company, as I looked it up said I can only speak to her and she will call me back in a week? That does not seem fair or right. I would please like you to check their documented process of internal complaints and make sure this agent acted in accordance with the documented policy and procedure, as I feel I was not treated fairly and due to the disparate treatment, I now will have adverse action and this will cause a hindrance in a personal life goal of buying a home - all for a loan that DOES NOT BELONG TO ME! PLEASE help me. All I requested was a letter on company letterhead admitting what she verbally told me, that the account did not belong to me. Thank you, XXXX XXXX XXXX
06/24/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 91915	Web
On XX/XX/2019 I leased a car from XXXX XXXX of XXXX ( XXXX ) ( XXXX ) XXXX, my salesman is called XXXX. I advised XXXX I would be moving to XXXX. He said no problem and I was approved by Mercedes Benz Financial Service ( MBFS ). I arrived in XXXX XXXX, XXXX on XX/XX/2019 and made an appointment with XXXX DMV. I was denied getting my registration. XXXX DMV advised I needed Power of Attorney ( POA ) from XXXX, an Odometer reading, and the title. I called XXXX & they advised me their Title Dept. lost my paperwork. 2 days later I got a ton of paperwork from XXXX with stickers that read " Sign Here '' and return to XXXX and they will send to XXXX DMV. I later went back to XXXX DMV who advised the paperwork sent to the from XXXX did not any signatures except for mine. No one from XXXX called me back the rest of XXXX. In XXXX, I was advised all paperwork was again sent from XXXX to XXXX DMA. On JXX/XX/2019, XXXX DMV advised the lessor had changed from MBFS to XXXX XXXX and they still haven't obtained a title or odometer reading. I have been calling non-stop to the dealer as XXXX DMV advised my car can not be driven until this is rectified. No one from Mercedes has fixed this issue and are now saying it will take 6 months or more to obtain the title. Thus, I can not register my car. I paid to have the car registered in XXXX, XXXX re-registered my car XXXX in XXXX and not I have to start the entire process over. They are in breech of contract as they sold me a car with the notion I'd be registering the car in XXXX, but they can not provide significant documentation to allow me to drive the car. The intention on buying the car is to drive it. However Mercedes Benz can not give me the documents I need nor did anyone tell me it would take 6 months to register the car in XXXX. Further, I ca n't drive the car if they have lost the title. I have been taking an XXXX to and from work due to their inability to prove originally stated paperwork to sell / lease the car to be based on the lease agreement.
03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02148	Web
My name is XXXX XXXX XXXX. I am filing this complaint for my self and do not need any assistance from anyone to file a complaint against your company for the violation you have committed against me. MERCEDES BENZ FINANCIAL SERVICES is in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting late payments on my consumer report for an account with [ account # : XXXX ] EXCLUSIONS- : Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; MERCEDES BENZ FINANCIAL has been reporting late payments which are transactions. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU, MERCEDES BENZ FINANCIAL ) Making the report is NOT INCLUDED on my consumer report! A late payment is a transactional history. This is my HISTORY with your company and CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting these transactions and experiences on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Payment History or delete all late payments from the accounts [ account # : XXXX I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts. If MERCEDES BENZ FINANCIAL SERVICES continues to report late payments on my consumer report I will file for litigation for actual damages caused and MERCEDES BENZ FINANCIAL SERVICES will be held criminally liable for willful noncompliance pursuant to 15 USC 1681n. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
12/19/2019	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 077XX	Web
I received several calls from an XXXX about a car that my husband financed through Mercedes Benz Financial. I was told that the car was under the corporate name of XXXX XXXX - a business my husband & I used to own together. I advised that I was unaware of the debt and that I would contact my husband in reference to the said debt. I did. I spoke to representatives on two more occasions telling them that my husband expressed that he would like to keep the vehicle and pay the back owed monies. I was told that this was not possible. I later discovered through conversations with my husband that this vehicle was not finance through the business at all. Please note : I did not finance this vehicle at any time and did not sign any agreements with Mercedes Benz Financial. I was given financial information on what was owed on this XXXX XXXX, however I am not the owner of this vehicle, nor the borrower, nor a co-signer. On XX/XX/XXXX my husband came home and told me that the Co-Assistant Scout Master of our local Boy Scout Troop ( of which we are both leaders ) told him and handed him an email from XXXX XXXX of XXXX XXXX. This email went out to our entire troop and reads : FILE # XXXX / XXXX XXXX / XXXX XXXX XXXX My name is XXXX. I'm with XXXX XXXX. I'm contacting you on behalf of Mercedes Benz Financial, requesting location information for a XXXX XXXX XXXX, and/or XXXX XXXX / XXXX XXXX XXXX. If you have retained an attorney to handle this matter, please provide their contact information. You can reach me at XXXX. You can reach Mercedes Benz Financial at XXXX. Please reference your file number upon contact. -- Thank you, XXXX XXXX XXXX XXXX XXXX I should NOT have been included in the attempt to collect this debt and be named in connection to this debt. In addition I believe my privacy rights were violated by this debt collector and is slanderous & liable - as it is implied that I have an outstanding debt with Mercedes Benz Financial, and I DO NOT and NEVER did!
12/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CT 063XX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ( XXXX ) XXXX XXXX XXXX XXXX. Box XXXX XXXX Texas XXXX account XXXX ( XXXX ) XXXX A federal law, the Fair Debt Collection Practices Act ( FDCPA ), says that a debt collector is not allowed to use unfair practices to collect a debt. I am seeking legal remedies as I feel the debt collector for this or other violations of the Fair Debt Collection Practices Act ( FDCPA ) This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. This includes : Misrepresentations about the debt. I have contacted you several times to correct my credit and reporting the inaccuracies. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Mercedes Benz agreement number Installment account XXXX paying a MONTHLY PAYMENT {$100.00} per month auto debited. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature accepting the installment payment agreed upon to report to the XXXX bureaus. As this information is not only deceptive practice reporting paid/close with a reporting a balance and in addition accepting payment auto debited out of my checking account ending in # XXXX. My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX As proof of my identity, drivers license, W-2, I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted and my payment history supported by Mercedes Benz and reporting the original new balance as agreed after the car was auctioned {$8700.00} and agreed monthly installment payment. If you are unable to verify the account with the signed installment agreement, the information should be removed from my credit report within 30 days or reported accuracy paid in good standing. Thank you, XXXX XXXX
04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02148	Web
My name is XXXX XXXX XXXX. I am filing this complaint for my self. THIS IS NOT A DUPLICATE COMPLAINT. THIS COMPLAINT HAS NOTHING TO DO WITH THE CARES ACTS. MERCEDES BENZ FINANCIAL SERVICES is in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting late payments on my consumer report for an account with [ account # : XXXX ] EXCLUSIONS- : Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; MERCEDES BENZ FINANCIAL has been reporting late payments which are transactions. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU, MERCEDES BENZ FINANCIAL ) Making the report is NOT INCLUDED on my consumer report! A late payment is a transactional history. This is my HISTORY with your company and CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting these transactions and experiences on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Payment History or delete all late payments from the accounts [ account # : XXXX I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts. If MERCEDES BENZ FINANCIAL SERVICES continues to report late payments on my consumer report I will file for litigation for actual damages caused and MERCEDES BENZ FINANCIAL SERVICES will be held criminally liable for willful noncompliance pursuant to 15 USC 1681n. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
08/15/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NY 110XX	Web
Mercedes Benz Financial Services ( MBFS ) has refused to refund an overpayment to my account in the amount of {$300.00}. The payment was made XX/XX/XXXX while I was in the process of transferring my lease. Along with the paperwork for the lease transfer, MBFS required what would be my final payment, due on XXXX XXXX, XXXX, and so I sent them a check, which MBFS cashed. While the lease transfer paperwork was being processed, and as the XXXX XXXX due date approached, MBFS left multiple messages on my phone asking that I send in my XX/XX/XXXX payment. Not wishing to derail the lease transfer at the expense of the transferee, I logged into my MBFS account and made an electronic payment of {$300.00}. Thus, I made 2 payments for XXXX XXXX, and figured that MBFS would refund the overpayment, and indeed, its representative said I had a refund due when I called XX/XX/XXXX to check the status of my refund. I was troubled during that call because it took MBFS an inordinate amount of time to locate my account. When XX/XX/XXXX arrived and no refund had arrived, I called MBFS again, and it took them at least half an hour to find my records, as it appears that my account has been virtually deleted from their system. That phone call lasted well over XXXX minutes, and I was placed on hold during much of it. MBFS eventually informed me that because the account is no longer in my name, any money that is due to me must be paid to me by the person who took over my lease. That is not correct, because the overpayment was made while the account was still in my name, and therefore it is MBFS that improperly kept my money and must refund it. The lease transfer was complete as of XXXX XXXX, XXXX, and my check was presented on XXXX XXXX, XXXX, with the electronic payment having been made on XXXX XXXX, XXXX. Proof of these payments will be attached. In any event, the transferee of my lease is an innocent bystander and should not be troubled by any of this.
02/08/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	NY 11520	Web
I applied to buy my XXXX XXXX XXXX lease when the end of lease came which was XX/XX/XXXX. Despite many phone calls I made trying to get in touch with XXXX Financial was impossible. I was approve for the car loan ( $ XXXX x 5yr term ) and when I spoke to representative which was impossible to get through it would only take a few days. I was approve in XXXX During this time I received no bills, notices just obscures document which I had notarized twice because my address changed they said. I finally spoke with Rep agent on XX/XX/XXXX XXXX XXXX and he explained that I have to sent in the payment for {$1100.00} before they can begin working on the converting the lease to me purchasing it, along with sending insurance, Registration, and my Driver 's license ( I sent this in two other times as well. None of the letters said what the representative said to do. I finally spoke with XXXX XXXX who was nice and I finally sent in a payment on in which she accept a payment of {$570.00} directly taken from my checking account was on XX/XX/XXXX.She assured me that my account is fine and the conversion will be complete and I will be paying on the loan and the car is mine. So, on XX/XX/XXXX ( XX/XX/XXXX Morning as I'm working ) I get a phone call from XXXX XXXX XXXX XXXX telling me that he is letting me knoe that he's scheduled to re-possess my car for lack of payment. I called XXXX XXXX and she assured me that this was a mistake and someone in another department made a mistake. I also recieved a letter from XXXX XXXX Notice of Default/Right to Cure and intentions dated XX/XX/XXXX for total payment of $XX/XX/XXXXSined agent XXXX XXXX XXXX XXXX ON XX/XX/XXXX my credit report had that I'm 90 days late casuing my credit to tank XXXX points which is crazy!. I'm in a process of purchasing a second home and this can cause me to pay tens of thousands more on home loan. There has been so much damage to my credit report and it needs to be fix at once.
05/07/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	MD 20874	Web	Servicemember
To whom this may concern, I am writing about my account with Mercedes Benz Financial Services. On XX/XX/XXXX Mercedes Benz, Financial Service erroneously tower my XXXX XXXX XXXX, which caused a major hardship to my household as a single parent and a XXXX XXXX. Due to the lack of communication between Mercedes Benz Financial, their customer service department and their collection department my household was place in detrimental positions that compromised our wellbeing and lively hood. Although Mercedes apologized for the error, I was told I would not receive my vehicle until XX/XX/XXXX since the towing company they sent for my vehicle was closed once I called in. This error created more of a hardship from Friday XX/XX/XXXX to Monday since I work in Washington DC which challenged my attendance at work since I was currently 1 hour away from work ( without traffic ). When my car was returned the brake lights came on and an alert stating I needed to get my vehicle checked out. Mercedes apologized and stated that they would pay all expenses for the erroneous towing and I would get my vehicle back as soon as possible. When I called in to express my concern about my brakes Mercedes Benz financial customer service agent told me that I had to file a complaint with the finance company and not with them. I have also attempted to access my online Mercedes Benz Financial yet can not because Mercedes has labeled my account as closed, even though they apologetically returned my vehicle on XX/XX/XXXX. When I called to inquire about my account and making a payment, Mercedes Benz Financials Services customer service told me my account was closed, which didnt make sense because I have my vehicle. Before pursuing further action, I would like for Mercedes to resolve this issue by correcting this issue as soon as possible. This matter has cause major issues in my personal and professional life and is creating many hardships to mu environment
03/22/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	VA 23832	Web
I have been getting harassed and threatened by Mercedes Benz Financial Services for the past few months. I have recently received more harassing and threathing communication from them about repossessing my vehicle that has already been paid for with my government created XXXX XXXX XXXX account. I have asked them on multiple occasions for the on ledger and off XXXX XXXX ( XXXX XXXX ) since the beginning of the alleged debt so I can see proof that I actually owe them anything. They will not send it to me because I believe it will show that they have already received payment for the vehicle and prove that they are fraudulently and abusively attempted to collect on an alleged debt. I have also requested the original contract I signed. They only send copies which isn't what I asked for. And what they sent wasn't a contract. A contract is a meeting of the minds signed by both parties and 2 witnesses. I know when I gave Mercedes Benz my social security number it created a trust transaction, which I am the beneficiary of and Mercedes Benz is the Trustee with a fiduciary responsibility to act in the best of the beneficiary. Cleary they are attempting to injury me and cause me stress. Sherman Anti-Trust Law does apply in this situation. I am evening will to send payment with an endorsed coupon however everytime I attempted to call the executive team ( XXXX ) to get instructions on how to properly submit they hang up on me or leave me on hold for rudely amounts of time. I have even left messages for team members and they never call me back. I really have tired to get this cleared up with MBFS once I understood what took place when I gave them my Social Security Number. However they continue to harass and threaten me instead of doing what is in the best interest of the beneficiary. If this matter isn't resolved immediately I will report this to the SEC, FTC, XXXX United Stated Attorney General, XXXX XXXX XXXX and the FDIC
06/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
Mercedes Benz Financial Services ( " MBFS '' ) improperly reports an amount assessed after the termination of the lease, as an unpaid loan, which impacts the credit in a more harmful way than if the item would be properly reported. At the termination of the lease, the lessee has to return the vehicle and receives a lease termination statement, from the dealer where the vehicle is returned. The dealer reads the odometer, looks at the overall condition of the car, inputs the data into the system and generates a statement showing the amount to be paid in case of returning the car and a buyout proposal. In my case the value of the amount owed if returning the car was XXXX ( XXXX ) and the buyout was the residual value of the car. The dealer mentioned that any extra mileage fees will be waived. I opted for the return of the car and received a statement in writing showing a XXXX dollars owed to MBFS. Unbeknownst to me, the amounts were not accurate. MBFS assessed a {$5000.00} amount based on additional mileage and opted for reporting the amount to the Credit Bureaus as unpaid loan. This foreclosed any possibility for me to obtain another car lease for 7 years. The proper way for MBFS was to post the loan as paid in full, as showed in the document obtained at the end of the lease, and the {$5000.00}, as a collection item. The collection item would influence my overall credit, but it would allow me to obtain another car lease. I believe that adding the {$5000.00} at a later point is fraudulent, as the amount would have greatly influenced my decision to purchase the car rather than return it. By improperly reporting the item MBFS are trying to extort an amount that I believe it is not due to them. Rather than trying to adjudicate the matter in court, they are choosing to miss-report in an effort to unduly obtain the funds. I have contacted MBFS, but the representative was unable to understand what is issue is.
06/05/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	DC 20009	Web	Servicemember
I executed a lease transfer agreement with Mercedes-Benz Financial Services ( MBFS ), which finalized on XXXX XXXX XXXX . MBFS managed the process by which I took over ( assumed ) an existing lease. MBFS transfer requirements included advance payment of one month lease plus a transfer fee. Both there payments were submitted, and were accepted and processed by MBFS. I have been making regular lease payments on the XXXX of each month beginning with the XXXX payment, and seeing a subsequent {$0.00} balance. Sometime following my payment on XX/XX/XXXX ( and showing a {$0.00} balance ), I received a call from MBFS collections department stating I was in arrears. ( The amount deemed late was equal to exactly 1 month payment plus the transfer fee amount of {$610.00} ). I called MBFS and was told that on @ XX/XX/XXXX " someone '' had " removed '' those two payments from my account. The representative stated that he did n't know why and would start an inquiry and that I would be contacted in 2 business days. 6 phone calls later by me trying to fix this, and incessant robo-calls from MBFS collections over two weeks, has me getting nowhere but very frustrated. On my last call of XX/XX/XXXX , the reps were unable to connect me to a supervisor as I requested. I give up. The ground level employees answering the phone are cordial and seem genuinely interested in providing assistance, but it only results in my hearing about the limitations of one department and how it 's the responsibility of another department and enduring multiple transfers and long hold times, only to start over explaining the issue. I 've spoken with 3 or 4 departments all to no avail. This is disjointed and represents an unreasonable burden on a faithfully paying customer. I 'm sorely disappointed in MBFS and their lack of supervision and oversight. I 'm requesting assistance in having this matter resolved.
07/04/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 774XX	Web	Servicemember
I leased a vehicle through Mercedes Benz Financial on XX/XX/2019 with an initial balance of {$62000.00}. I was making regular payments on it, but my ex-husband left me, and I lost 50 % of my income. I could no longer afford the vehicle, so instead of just not making payments or waiting for it to be repossessed, I voluntarily surrendered it. I knew this would negatively impact my credit score, but I thought it was the most ethical thing to do. I returned the vehicle in mint condition on XX/XX/2019, and I had only had it for 4 months. Mercedes Benz Financial quickly sold the vehicle, but they began sending me letters to pay the full lease balance with penalties. They started harassing me, calling me late at night, and early in the morning. They were sending letters to my job as well as my house. Whenever I would block the number, they would come up with another number, and I just keep having to block them. Currently, I have over 65 blocked numbers from them, and it just keeps going and going. This routinely disrupts meetings, my sleep, and other important events. I work two full-time jobs and often work overnight, so I am typically sleeping when they call. This wakes me up, and I can not go back to sleep. It has become overwhelming and oppressive. I have contacted MB Financial and have filed multiple disputes through the credit reporting agencies, but they always aggressively respond that the balance is valid. This is not correct because I voluntarily surrendered the vehicle, and according to the lease terms, they were supposed to apply the money they received from the sale of the vehicle to the balance based on current market value. Instead, they charged me for the full remaining payments on the lease plus penalty. They did not apply any money from the sale of the vehicle. This is really hurting my credit, and I have no options at this point other than filing a complaint through your agency. Please help me.
12/21/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	CA 952XX	Web	Servicemember
I paid off the lease in full on XX/XX/XXXX as I was planning on selling the car to the local XXXX dealership. After I paid the lease off the dealership said I would need to wait for the title and that it would be better to reverse the final payoff and they would take the car in on trade. They called on XX/XX/XXXX for me and requested that the final payment I made of {$25000.00} be reversed. I authorized it over the phone and they told me they would send me a check within 21 days. I called Mercedes Benz Financial XX/XX/XXXX and spoke to XXXX who told me they mailed me a check on XX/XX/XXXX to my home address. I checked with my local post office since that was too long for mail to take and was told that it was not in that days mail. I called back on XX/XX/XXXX and spoke with XXXX who told me again that they showed the check was mailed to my home address on XX/XX/XXXX and after I told her I had not received it she said that I could request a new check and that they would overnight it to me but we agreed to wait until Mon XX/XX/XXXX to see if the original check showed up and that she would call me to see at XXXX. She never called me the entire day and I still do not have the check so I called back again on XX/XX/XXXX and spoke to XXXX. I requested to speak to a manages as it was my XXXX call and I was getting no resolve and they owe me a considerable amount of money that frankley should not be sent regular mail ion the first place. I them went through it all XXXX XXXX again and she put me on hold and came back and told me that the money is not due to me and that they sent it to the local dealership on XX/XX/XXXX, I checked with the locak dealership and they have never received the money. I formally ask Mercedes Benz Financial to return my money in the amount of {$25000.00} immediately via overnight to my home address as this is unreasonable and at this point they are saying they gave it to someone else.
01/27/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	PA 19335	Web	Older American
I had a 36 month lease with MBFS ( Mercedes Benz Financial Services ) and we both agreed to extend the lease by one additional month. Additional payments were made and I requested a payoff statement which was never provided. I was only give a single payoff amount which I believe is wrong. MBFS, who is inept and ignorant, advised me that after XXXX payoff the loan I might receive a payoff, but not sure. What they did send me is a monthly amount of my lease payments ; I already had this and this was nothing new. I am a lawyer and am very concerned about me and the public for this deceptive and fraudulent practice. There was information that was being provided to me by the employee for MBFS, but they advised that they could not send this to me. This is fraud, concealment and MUST be a violation of consumer disclosure laws. For example, I never advised that my payments went up because I moved from NJ to PA in XX/XX/XXXX, but never received any notice of this and why? I advised MBFS that I made an extra payment or more, which they confirmed, but was told they could not send this to to me but stated " This will all be adjusted after payment is made. " .... am I a fool ; this should NEVER be the case for any consumer -- ever. I wired the sum of {$37000.00} to MBFS and I still do not know if this is correct. Is this the way a consumer is to be treated and for this amount and after being a customer for over 20 years? I have not started the legal research on this issue yet, but I will for sure. This may very well wind up being a class action matter against XXXX or others for violating the Consumer Finance laws. This certainly is a matter that the CFPB MUST immediately examine and not sweep this under the rug which I have seen and experienced before as a lawyer. Dates : All of this occurred during the ten days commencing in or about XX/XX/XXXX to XX/XX/XXXX. I am filing this complaint on Friday XX/XX/XXXX.
10/24/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	CA 91311	Web	Servicemember
ON XX/XX/XXXX OR XXXX 2023, I WENT ONLINE TO MAKE A PAYMENT TO MY ACCOUNT I PAID THE PAYMENT FOR THE MONTH OF XX/XX/2023 HOWEVER AFTER I CLICKED SEND I SEEN THAT I COULD GET A DEFERRAL FOR THE PAYMENT OF XXXX I ACCEPTED IT. THIS WAS NOT DURING BUSINESS HOURS THAT THE PAYMENT WAS MADE SO THE FOLLOWING BUSINESS DAY I CALLED AND SPOKE WITH XXXX XXXX FROM MERCEDES BENZ FINANCIAL I TOLD HER I DID'NT KNOW I WAS ELIGIBLE FOR PAYMENT DEFEREAL FOR THE MONTH OF XXXX COULD IT STILL BE APPLIED SHE SAID YES I ASKED HER WHAT WILL HAPPEN WITH THE PAYMENT THAT WAS JUST MADE SHE ADVISED ME IT WOULDNT BE APPLIED TO THE ACCOUNT BECAUSE I ASKED FOR THE DEFREAL SHE ADVISED ME TO CALL MY BANK AND HAVE THEM REJECT THE PAYMENT OR TO WAIT AND MERCEDES BENZ FINANCIAL WOULD EVEN RETURN THE PAYMENT BACK TO ME. SO WHAT I DID WAS I CALLED MY BANK TO HAVE THEM REJECT THE PAYMENT WELL ON XX/XX/2023 XXXX XXXX FROM XXXX XXXX XXXX CALLED ME AND TOLD ME THE ACCOUNT WAS XXXX PAST DUE I EXPALINED THE SITUATION AFTER A LONG HOLD I WAS ADVISED THE DEFERAL WAS APPLIED TO XXXX AND I WAS GIVEN THE WRONG INFORMATION AND THERE WAS NOTHING THEY CAN DO I ASKED TO SPEAK WITH A MANAGER BECAUSE I WANTED CLARIFICATION ON WHY THIS WAS DONE AS I WAS CONCERNED ABOUT MY CREDIT SCORE SHE ADVISED ME SHE WOULD HAVE A MANAGER CALL ME BACK I TOLD HER WHY DID YOUR OFFICE TELL ME TO HAVE MY BANK REJECT THE PAYMENT SHE JUST SAYS I DONT KNOW A FEW HOURS LATER XXXX XXXX CALLED ME AND TOLD ME BASICALLY IT WAS TO BAD THAT I WAS GIVEN THE WRONG INFORMATION AND THE PAYMENT WAS NOT APPLIED TO XXXX AND IF I HAD ANY ISSUES TO CONTACT THE CREDIT BUREAUS BUT I TOLD HER WHY DO I HAVE TO CLEAN UP THE MIS INFORMATION YOUR TEAM GAVE ME I ASKED TO SPEAK TO UPPER MANAGEMENT SHE WAS VERY RUDE AND SAID THE MANAGER IS OUT OF TOWN NOT SURE WHEN HE WILL BE BACK SHE WAS HESISTANT TO GIVE ME HIS NAME SHE FINALLY DID HIS NAME IS XXXX XXXX PLEASE BE ADVISED ALL THE CALLS ARE RECORDED
02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76107	Web
Creditor : Mercedes Benz Financial ISSUE : Mercedes Benz Financial is INTENTIONALLY incorrectly reporting to all 3 bureaus and in an unethical way. Facts : The XXXX Leased XXXX Automobile was VOLUNTARILY RETURNED early, in XXXX XXXX Mercedes Benz Financial took until XXXX XXXX XXXX to CLOSE the account ( they themselves stated on the phone that this was indeed the date they CLOSED the account out. XXXX SOLD the auto at Auction and then accessed a charge to me for around {$12000.00}. which I never agreed was a fair cost to return the leased auto early. Mercedes Benz Financial continually changes the closed date of the account to the 3 credit reporting agencies/bureaus with random RECENT dates to keep impacting my credit to reflect that I JUST RECENTLY allowed an account to default ( the last time they stated the account was closed is XXXX of XXXX! ) or they change the STAUTS of the account to show that the auto was recently REPOSSESSED! The automobile was NEVER repossessed, it was never paid LATE, it was simply returned to XXXX XXXX XXXX in XXXXXXXX XXXX by me when I informed them that I could no longer afford to lease the vehicle, in XXXX of XXXX. I have called and called and disputed and disputed with Mercedes Benz Financial via phone and mail. I have also disputed over and over with XXXX, XXXX and XXXX as well. Yet, no one can or will simply report accurately the FACTS and TRUE date the account was LAST PAID ( XX/XX/XXXX ) and the TRUE date the account was CLOSED finally ( XX/XX/XXXX ). Mercedes Benz Financial representative just TODAY told me on the phone that if I will start making payments on the Early lease-break fee they accessed of $ XXXX, that they THEN would possibly correct the dates to reflect accurately. I CAN NOT think that this would be allowed, this is highly unethical collection behavior to purposely report inaccurate dates to try to force a payment 6 years later.
01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92407	Web
on XX/XX/2023 my application was denied for reasons that go against consumer laws I did not give permissible purpose as usc -1681b paragraph XXXX. I never gave written intuitions permission to do anything, but the financial institution assumed I did apparently 15 U.S. Code 6801 - Protection of nonpublic personal information - ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
01/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 063XX	Web
Settled in full zero balance Mercedes Benz, Mercedes is reporting I still owe a balance. Contacted Mercedes Multiple times and stated they would not help me that I had to wait for them to report to the bureaus on XX/XX/XXXX. See documents supporting account paid in full and settled. Auto volunteer surrendered XXXX Pick up XXXX Mercedes contacted me with a Def XX/XX/XXXX and agreed to accept XXXX. Paid auto debit on the XXXX. Account turned over to their collection agency XX/XX/XXXX changing the payment date on the XXXX. I contact Mercedes in XX/XX/XXXX to dispute how they were reporting to the bureau as a charge off but not including Volunteer Surrender. They announce the account was transferred to XXXX XXXX XXXX XXXX. I had no idea as they continued to accept my monthly installment {$100.00}. I agreed on a settlement in full zero balance with supporting documents. To my surprise my credit report is only showing charge off with a balance owing zero. Not stating Settled in full zero balance per the supporting documents. I asked Mercedes to correct and they stated they will not until I paid the balance that was agreed I do not owe any longer a balance and they will not submit correction to with XXXX, XXXX XXXX and XXXX until XX/XX/XXXX. XX/XX/XXXX I contacted XXXX to send me a updated letter clearance of funds from the credit card I paid them and they will not send me a updated letter until I give the credit card statement that will disclose cleared? XXXX XXXX received agreed payment for {$2000.00} from a credit card. Mercedes sent me a letter stating I am in the clear an XXXX will not accept that letter who they represent for collections. Please see attachments on documented letters and credit. I still feel they have been reporting inaccurately to get me to pay them and when I paid them a agreed amount after paying them over XXXX, I feel they bait / switched me.
08/02/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39208	Web
I am writing about my experience with Mercedes Benz Financial that is a mixture of a grateful " thank-you '' and a pressing request concerning an auto loan that was repossessed its showing on my credit files that I would like to have revised. I received the car in 2019 one year before the chaotic life event XXXX that caused me to lose my job. I became disorganized with respect to making timely payments with Mercedes Benz. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Mercedes Benz since that time. To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which excluding the repossession everything is excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless.I am are about to shop for a new home and starting a family, and it has come to my attention that the notations from Mercedes Benz may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with character I am requesting that you give me a second chance at a positive credit rating by removing those tradelines and forgiving me of this debt. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at forgiveness and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.
02/16/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	FL 334XX	Web	Older American, Servicemember
I leased a new XXXX XXXX XX/XX/2016. During the course of the lease I made multiple visits to their service department requesting repair or replacement of my bluetooth so I could have hands-free telephone operation. Though it was clearly defective from an operational standpoint, they could not identify the source of the problem and refused to replace it. When my lease was up, I purchased a XXXX and their bluetooth system is flawless. When I returned the vehicle, Mercedes wanted to charge me {$590.00} as an end of lease fee which they agreed to waive as an " incentive '' to lease another Mercedes. I advised them that their failure to provide me with the functionality I was paying for was a dis-incentive to lease another Mercedes and that they should waive the end of lease fee as restitution for their failure to perform by not providing the service I contracted for and was paying for as referenced above. A second and more troubling end of lease charge was for low tread on two of the tires. If one leases a car for 30,000 miles, one has the right to anticipate the tires will last 30,000 miles under normal driving circumstances which mine are. There were 27,000 miles on my car when I returned it. The simple fact here is Mercedes gets you to pay for new tires twice though you have only driven the car for mileage well below the tread life warranted by the tire manufacturer ( 55,000 miles ). Then Mercedes can sell the vehicle with new tires paid for at a cost of ~ {$600.00} by the lease customer. In effect, the customer pays for tires twice. This in my opinion is a scam.! Currently my credit score at XXXXXXXX is XXXX. Now Mercedes is threatening to turn my account over to collection as a means of " extorting '' money from me that they are not entitled to receive. In point of fact, it is my true belief they owe me a refund for the services I paid for but did not receive.
03/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	KS 67207	Web
On XX/XX/2023 I initiated a consumer credit transaction in good faith ( 15 usc 1691 ( a ) ( 3 ) ) to obtain a vehicle for personal, family, and household purposes. I exercised my RIGHT as a consumer to initiate this consumer credit transaction in good faith, but was violated and discriminated against ( 12 CFR 1002 ). There was an offer advertised by the company and acceptance on my behalf as a consumer of that advertised offer, but no benefit, service, or contract has been extended. I also have proof that this agreement took place but no benefits have been rendered. Mercedes-Benz Financial Services used unfair, fraudulent, and deceptive mechanisms to obtain my nonpublic personal information from a non-affiliated third party and never gave me the proper disclosure of the process they were using or a chance to opt-out of the sharing of my nonpublic personal information ( 15 USC 6802 ). Furthermore, MBFS violated me by using information solely as to the transactions and experiences between me and the person that made the consumer report in there Notice of Action Taken and Statement of Reasons, to which I never gave them consent to do, and is also inaccurate and false information that does not reflect my creditworthiness as a consumer. One of the reasons of not extending me consumer credit was because of high payment relative to income but the associate only asked about gross monthly income from one job and never asked if this was my only source of income to account for. You never asked about all of my sources of income so how can this be an accurate determining factor? And how can you tell me what I can and can't afford with my personal income? The end result of consumer credit not being extended to me when I applied for it pursuant to the advertised offer, has been extremely unfavorable, discriminatory, emotionally damaging, and deceptive to say the least.
01/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44514	Web
I financed my XXXX XXXX XXXX XXXX through Mercedes Benz Financial Services in XX/XX/XXXX. Since that time, I have maintained a payment history free of any delinquencies or missed payments. In early XX/XX/XXXX, I had an unexpected medical emergency resulting in XXXX that put me out of work for over a month. I immediately contacted MBFS to request an arrangement to postpone my payment, while still maintaining my positive payment history. The representative offered me a two month payment deferral, and advised that my account would remain current even though no payments were necessary for the months of XX/XX/XXXX and XX/XX/XXXX. I was assured that as long as I resumed my normal payments in XX/XX/XXXX that my account would remain current. Less than 3 weeks later, I received credit alerts from all three bureaus stating that my account with MBFS was being reported 30-59 days past due. I have made multiple attempts to resolve this matter directly with the creditor, however each time I call I get a different story of what is going on. During my last call, a representative actually admitted to me on a recorded line that they DID see where the deferral was granted in XX/XX/XXXX, but for some reason that he could not explain to me he informed me that it took someone until the middle of XX/XX/XXXX to actually process it. There was no explanation as to WHY this happened, and to this day my credit report still reflects a 30 day late status for XX/XX/XXXX. This error resulted in my healthy credit score plummeting over 80 points due to ONE negative mark in an otherwise flawless payment history in over 4 years as their customer. I have exhausted my efforts, as well as my patience attempting to resolve this issue directly with the lender. They have already admitted their error, yet have made no attempt to correct the erroneous reporting and damage to my credit score.
11/06/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 90012	Web
I recently looked at my consumer report on XXXX, XXXX, and XXXX. I seen that a Mercedes-Benz financial has been reporting missing months of payments. These multiple missing months of payments almost look as if they were late payments or payments that were never there. I reached out to Mercedes-Benz financial and asked them to correct this information on my consumer reports they told me that it seems to be showing correctly on our end, and that you would have to reach out to experience XXXX and XXXX, but upon reaching out to experience, which did a dispute, they werent able to get the correct information. Theyre still reporting it incorrect as well as XXXX is reporting the incorrect as well as XXXX has been reporting it incorrect. They need to update the way that theyre reporting it via metro to compliance. They are violating metro compliance either they corrected or remove it from my consumer reports completely. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports. 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15USC 1681a ( d ) ( 2/A ) i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information... The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I asked XXXX Mercedes-Benz , correct the payments that are missing from my consumer reports. Which are XX/XX/2023 XX/XX/2023 XX/XX/2023
04/23/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MS 390XX	Web	Servicemember
Business Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone- XXXX Home : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mercedes-Benz Financial Services XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to you regarding my recent auto loan application to Mercedes-Benz Financial Services. I filled out the application using my business name, XXXX XXXX XXXX, and provided all relevant business information. However, I was notified that my loan application was denied based on information in my personal credit report rather than my business credit report. This is in violation of the Fair Credit Reporting Act ( FCRA ), which requires lenders to consider business credit history when evaluating loan applications made in the name of a business. Furthermore, I was under the impression that my loan application would not result in a hard inquiry on my credit report, as stated on your website. However, I have since discovered that there is a hard inquiry on my credit report as a result of my loan application. This is also in violation of the FCRA, which requires lenders to obtain a consumer 's consent before conducting a hard inquiry on their credit report. I am disappointed and frustrated by this experience, as I believe that my loan application was unfairly evaluated and that my rights under the FCRA were violated. I would like to request that you review my loan application and credit report again, this time taking into consideration my business credit history and correcting any errors or inaccuracies in my personal credit report. Additionally, I would like to request that you remove the hard inquiry on my credit report, as I did not provide consent for a hard inquiry to be conducted. Thank you for your attention to this matter. I look forward to hearing from you soon. Sincerely, XXXX XXXX
04/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85023	Web
I got a car loan of XXXX purchase price with interst rate of 11.99 % upon making my first payment this month i found incorrect amount in interest rate. I am supposed to pay monthly payment of {$1200.00} total where 11.99 % ( {$140.00} ) goes to the interest and the rest of ( XXXX ) should goes to the principal so i should see on my account a balance of {$68000.00}. Instead of that i have seen that the {$1200.00} payment {$950.00} went to the interest and {$270.00} to my principal and it shows a balance of {$69000.00} which is incorrect and that was not the interest of XXXX that we agree. It is an amount that they put in there and morover on the statement it didnt even shows the amount of the interest rate. I have the prove. I call mercedez finance dept and they told me to contact your dealer so he has to rectify because they were only doing what they got on paper they also told me to file a complain against the dealer. I went to the dealer and sit with the finance rep and seems nervous when i told him the situation he was trying to justify himself by saying the more you pay the intdrest rate will go down. I ask him the question that the contract interest rate was 11.99 % not down no up. And i ask him to call mercedez finance while we are together they should have that call registred a lady picked up and she stated assissting us and when i ask her what is the loan amount that i am paying she stated corect {$69000.00} and then i asked interest rate on the acoount she said XXXX $ then i asked her to do the math and give us the amount in dollar for that as it is wrong on the account she is hold while calculating then she hang up on us. For that reason i am filing a complaint and i have their voice registred. I stated that if they didnt correct that they can take their car back and never hurt my credit score of me.
01/19/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	GA 30052	Web	Servicemember
I RECENTLY CHECKED MY CREDIT AND NOTICED A MERCEDES BENZ FIN SVCS ACCT REPORTING A CHARGE OFF FOR XXXX ON A VEHICLE IVE NEVER OWNED OR LEASED, SO I IMMEDIATELY FILED A DISPUTE WITH THE CREDIT BUREAU WITH ALL SUPPORTING DOCS TO PROVE ITS NOT MY ACCT. UPON COMPLETION OF DISPUTE IT CAME BACK VERIFIED AS MY ACCT SO I CALLED EQUIFAX AND THEY STATED MBFS VERIFIED ITS MY ACCT SO I CALLED MBFS TO ASK HOW THIS ACCT WAS VERIFIED SO THE REP XXXX AT XXXX XXXX WAS VERY HELPFUL AND ASKED MY SSN # AND IMMEDIATELY TOLD ME ITS NOT MY ACCT AND SHE WOULD IMMEDIATELY WORK TO GET THIS MATTER REMOVED FROM MY CREDIT REPORT. SO THE NEXT DAY I CALLED TO FOLLOW UP AND SPOKE WITH XXXX XXXX WHO ALSO VERIFIED ITS NOT MY ACCT AND WOULD WORK TO HAVE THIS ISSUE RESOLVED A COUPLE HOURS LATER I RECEIVED ANOTHER PHONE CALL FRM XXXX XXXX STATING I NEEDED TO FILE A POLICE REPORT STATING MBFS ACCT XXXX WAS A IDENTITY THEFT CLAIM OR MBFS WOULD NOT REMOVE THIS ACCT OFF MY CREDIT WHICH IS BLATANTLY WRONG WHEN ITS NOT MY SSN # ATTACHED TO THE ACCT NOR MY PERSONAL CONTACT INFO SO WHY SHOULD I HAVE TO FILE A FRAUDULENT POLICE REPORT TO HELP YOU RESOLVE AN ISSUE THATS NOT MINE AND NOW THIS ACCT HAS BEEN REPORTING AS A REPOSSESSION ON MY CREDIT REPORT NOW OVER 30+ DAYS NOW AND WILL REMAIN THERE DURING AND INVESTIGATION PROCESS OF 30 MORE DAYS TOTALING 90 DAYS TO BE PENALIZED FOR AN ACCT THATS NOT MINE AND THIS MATTER HAS DROPPED MY SCORE DRASTICALLY AND I CANT REFINANCE MY HOME NOR BUY A NEW CAR OR APPLY FOR CREDIT OR EMPLOYMENT DUE TO THIS ERROR ON THEIR BEHALF WHICH IS UNACCEPTABLE. ITS BLATANTLY A FCRA VIOLATION THATS HENDERED ME TO THE FULLEST EXTENT AS A CONSUMER AGAIN IT UNFAIR. SO I HAVE NO CHOICE BUT THE SEEK COUNSEL AND FILE A LAWSUIT IN LOCAL OR FEDERAL COURT ON THIS MATTER AND SUE FOR DAMAGES AND PAIN AND SUFFERING DONE TO ME AS A CONSUMER ..
09/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 06511	Web
THIS IS NOT A DUPLICATE!!!! I have brought it to MBFS attention of the Fair Debt Collection Practices Act violations they are committing. I have sent an affidavit of truth and notice of cease and desist. XXXX XXXX responded that they are not a third party debt collector which I never claim MBFS was. I said they are a debt collector according to the FDCPA 15 USC 1692a ( 6 ). Federal law defines debt collector as the following " The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests '' MBFS using interstate commerce and the mails to collect debt which makes them a debt collector. MBFS regular attempts to collect debt because they send me monthly statements stating I owe a ALLEGED debt which makes MBFS a debt collector. I am demanding you address my concerns of MBFS violating laws under the FDCPA. There is no such thing as a third party debt collector which I never claim MBFS was. You are a debt collector according to federal law and I demand you prove other wise giving the definition.
11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NC 284XX	Web	Older American
I submitted a police report and FTC to XXXX XXXX XXXX XXXX unit and they had enough evidence to block account ( Mercedes Benz Financial Services ) and they did but Mercedes Financial came back and stated the account was verified. so I called Mercedes Financial and they stated the account was noted as fraud. Then the rep from Mercedes Financial stated they investigator did verified the loan was mine but the investigator was actually talking to the man who stole my identity but never contacted me. How XXXX can you get to contact the number on the contact from Mercedes Financial that was fraudulent. They gave a loan to a man fraudulent under my name who uses a South Carolina Address and I never had owned or lived in South Carolina, I live in XXXX NC! They have a police report and FTC report on file and I disputed the inquiry that day when the loan was given and Mercedes Financial knew the loan was fraud and noted. So why would they fund it. Then Mercedes Financial removed the inquiry as fraud. The investigator with the fraud unit keeps talking to the man who stole my identity because he has the man number not mine! I will file legal suit against against Mercedes Financial, Now XXXX Credit Bureau want even let me dispute it because XXXX stated they verified the account as mine, But how and why can't I disputed it again, I will file suit Against XXXX if they don't fix this, I asked the rep with XXXX for the verified information they got back from XXXX and the rep stated they don't have nothing except a check mark that its verified, SO they take the lenders would without proof versus mine with police report and FTC identity theft report and arrest report from they guy who stole my identity. They will get legal action if not fixed and removed
01/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA XXXXX	Web	Servicemember
On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXXr at the XXXX XXXX XXXX XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX bankruptcy in XX/XX/XXXX and my bankruptcy was discharged in XX/XX/XXXX. I had XXXX vehicles and added XXXX to my XXXX XXXX, but my 2nd car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. Mercedes Benz Financial Services reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called MBFS several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. My account with Mercedes Benz Financial Services ( MBFS ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.
01/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 303XX	Web
XXXX XXXX XXXX - XXXX is reporting erroneously on my credit file. I had previously placed a complaint and I have a few issues with the response. As previously stated I set up my account with auto pay as I do with all my accounts to avoid any late payments and when I checked my credit file I noticed a XX/XX/XXXX late. When I noticed this late I called and paid it immediately and even paid a couple month in advance to make sure this issue never happened again. XXXX did not notify me of this late until the late notation had already been reported to my credit file. As a customer who makes ALL of her payments on time this was very disappointing because I had no idea of this late until it ruined my credit. If I would have known there was some sort of issue with my auto draft I would have fixed it to avoid this late notation. I am asking that you please remove this late as a one time courtesy for your long time customer. In their response they stated they had a ( 1 ) 60 day late for me and ( 1 ) 30 day late. When I check my credit file I only see the 30 day late for XX/XX/XXXX. NOW this late is being reported for XX/XX/2020. Why is it that they can not remove the erroneous reporting but they can move the late around on my credit file??? They stated they made several attempts to contact me but I was not contacted and was not aware of this late until I checked my credit file. AFTER this I received a notice in the mail but the account had already been taken care of. Why did XXXX wait so long to notify of the delinquency? I do not appreciate the lack of communication from XXXX and demand the late be removed from my credit file. This is not my fault, I was under the impression that my payments were being made and was not told otherwise.
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90405	Web
On or about XX/XX/2023, I received a letter, dated XX/XX/2023 ( a copy of which is attached to this complaint ) from Mercedes Benz of XXXX regarding a credit application of which I had no knowledge and for which I never applied. I had visited this dealership on XX/XX/XXXX and XX/XX/XXXX. XXXX, but never purchased a vehicle and did not sign any forms while I was there ( It is possible that I may have started some paperwork [ and I'm not even certain that I did ] but I am certain that nothing [ including a credit authorization ] was ever signed. ) I also told all of the salespeople with whom I interacted at the dealership on XX/XX/XXXX and XX/XX/2023, that I intended to pay cash for a pre-owned vehicle and therefore had no interest in financing information. Nor did I seek any financing information from dealership employees. ( The names of the dealership employees involved are stated in the attached email string. ) I emailed the general manager of the dealership three times, with the last email sent approximately one month ago, to ask that the dealership remove its unauthorized inquiry from my credit report. ( A copy of the email string reflecting my inquiries to the dealership head [ and the absence of any response thereto ] are attached as an exhibit to this complaint. ) I also asked for a copy of any document that the dealer had regarding its purported authorization to conduct a credit check on me. I spoke on one occasion to the finance director, XXXX XXXX, shortly after I received the above-referenced XX/XX/XXXX Mercedes Benz credit letter , and he assured me that he would look into the matter. He never got back to me, and he has never returned any of the numerous voicemail messages I've left him over the past two months.
01/20/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92057	Web
Mercedes-Benz Financial will not provide a lien release. On XXXX XXXX I purchase a used vehicle from XXXX XXXX that had a lease balance of {$42000.00}. I got a loan from the XXXX XXXX XXXX XXXX for {$30000.00} and paid cash of {$12000.00}. The XXXX made their check payable to me and to XXXX XXXX, and we were instructed to endorse the back and forward it to Mercedes-Benz Financial along with my cashier 's check for {$12000.00}. Mercedes confirms receiving the funds, posting date XXXX XXXX, XXXX. My DMV registration is incomplete because I did n't get the lien release from XXXX XXXX Co. I contacted Mercedes-Benz on XXXX XXXX, XXXX, and was told that they did receive the payoff funds but it had not been applied to the Lease payoff, and that XXXX XXXX would receive the release in about a week. Today, XXXX XXXX, Mercedes-Benz Financial Services says that they applied the {$12000.00} check to XXXX XXXX account, but that they will be sending back the {$30000.00} check to XXXX XXXX in 30 days because the payee is n't correct. However, they accepted the funds and have had benefit of them since XXXX XXXX. Needless to say, I have begun making monthly payments on the XXXX XXXX XXXX. loan. Also, If they send the funds back to XXXX Fed now who knows where it will get applied. If it pays off my new auto loan, I may not be able to get a new loan with the same terms. I want Mercedes-Benz to keep the funds that they have acknowledged depositing and release the lien. Currently, this vehicle has a loan and a lease concurrently. Also, if they feel that there was a problem with the check from XXXX XXXX it should not take 90 days to decide this. If I would have know, I could have gone back to the Credit Union and asked them to change the payee.
11/30/2017	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	CA 90020	Web
Mercedez-Benz ( MBFS ) claims that I owe them a balance for a terminated lease. In XXXX, I requested an explanation of charges. They claimed they mail such. However, they mailed it to my old address. In XXXX XXXX, this account was placed on my credit report as an adverse account. On XXXX XXXX, XXXX, I contacted MBFS, re-provided them with my new address, asked for the explanation of charges to be faxed, and asked for written confirmation that upon their receipt of payment this account would no longer be reflected as an adverse account on my credit report because I never received the bill I requested from them. They responded irrationally to my request and refused to remove this account from adverse status in light of their acknowledging that they received returned mail from my old address because they never updated my address and their having mailed such bill to an address I have never lived at. Even when they faxed the explanation of charges on XXXX XXXX, XXXX, they still did not update my address despite my having re-provided them my new address when I requested that explanation of charges be faxed. The XXXX XXXX, XXXX fax still reflects the old address. I also learned from XXXX that in response to my dispute, MBFS decided to provide updated information. It turns out that they were misreporting information. They initially reported 53 payments. They changed the payments to 34 in response to XXXX investigation. They initially reported a payment on XXXX XXXX, XXXX. They removed that XXXX XXXX, XXXX payment in response to XXXX investigation. That XXXX XXXX, XXXX is days after the leased vehicle had been returned. They also updated the account balance in response to XXXX investigation.
08/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91320	Web
Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later following this, on XX/XX/XXXX once again I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. As of now, I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX and XXXX to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.
05/22/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	FL 33133	Web
My new XXXX XXXX vehicle became stranded in XXXX , Florida on Saturday, XXXX XXXX , 2017 . My lease supposedly includes full roadside assistance. When I called roadside assistance I was advised that because my car was physically off of the road there would be a {$99.00} charge payable up front to Mercedes Benz in o rder for them to call a tow/winch service. I made full payment of {$99.00} by MasterCard with Co nfirmation Number XXXX . Mercedes Benz called a tow/winch truck after payment. Upon arrival at my vehicle, I was advised that I had to pay an additional {$100.00} in cash plus a significant tip as there was no record of any payment to Mercedes Benz transmitted to the tow/winch service. If I had not had the additional {$100.00} IN CASH, I would still be stranded. The tow/winch service would not accept a credit card payment despite Mercedes Benz assurances that the entire fee was pre-paid as a result of their charge. Mercedes Benz also gave incorrect and inaccurate information regarding the issue at hand and the remedy needed. I was more than double charged for an item that should have been included in my regular service. In addition to the {$99.00} charged by Mercedes Benz, the company Mercedes Benz called to actually render the service made me pay a second time in the amount of {$100.00} plus a substantial tip to the driver of the service vehicle to stay and resolve my problem since Mercedes Benz had given wrong information to the service provider hired by Mercedes Benz. Mercedes Benz knowingly and intentionally obtained funds by credit card by means o f deceit and fraud in violation of the federal UDAAP statute and the Florida statute.
01/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23832	Web
Upon reviewing my credit report at the end of XX/XX/2021, I noticed there were several inconsistencies with my account with Mercedes Benz Financial Services. On XX/XX/2021, I sent a direct dispute to the company to discuss these challenging the accuracy and integrity of the information to no avail. I do not agree with their actions and continuation of reporting these inconsistencies. During this process I have been declined credit and my credit worthiness has been compromised immensely. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
03/15/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA XXXXX	Web
I am XXXX Very Bad, XXXX, is hurting me causing damages to my Credit score, Health, Overall Life in general, where as I am due to relocate this month and can not let them check my credit due to XXXX, dropping my score drastically. It has cause headaches and pain not to mention XXXX, XXXX anguish, knowing my chances are next to none now because of XXXX. I have reached out to them multiple times Certified Mail, and they Ignored My Concerns of the Contract that was signed The Dates Were in facts incorrect which means Billing Error, Fraud and False Statements as well as Misleading Representation, I immediately Reached out to XXXX XXXX XXXX to Current all Certified Mail. XXXX Keep Sending The Same Documentation With Contract Dates and Letters From Vice President XXXX XXXX and XXXX XXXX Stating False Information. This is Clearly a Billing Error as we as Misleading Representation. The Date I, The Consumer entered XXXX making a purchase XX/XX/2021, Which is Not The Same Date on Contract Which States XX/XX/2021 and all other Letters Sent in By XXXX Stating XX/XX/2021, I then Ordered Information On Vehicle From DMV to Find Out XXXX has Committed Forgery by Forging my signature to power of Attorney Dated XX/XX/2021, I, did Not Swear Under Oath and Sign Power of Attorney Paperwork Nor Has XXXX XXXX In Front Of Me Nor Notary Dated XX/XX/2021 Whose Name Appears With Her Signature. XXXX Forged My name on Back of Title Vehicle Signed Again By XXXX XXXX. I, Demand XXXX In Writing to Rebut My Statement of Billing Error 's, Date 's, Forgery, False Statements as well as Misleading Representation, If Not Answered Here Through Third Party CFPB My Statement Stands as Truth.
08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11432	Web
With regard to the aforementioned Benz has inaccurately reported payments on my account for a total of 19months of my 36month lease from XXXX. The car I leased was shutting down on the highway from the third month of purchase. Benz refused to get me out of the lemon and as a means of protecting my credit I was forced to pay almost $ 1000 monthly until the completion of lease. During this time I have never been late, they have reported late payments on my account. I have never missed a payment, yet for over 15 months in the tenure of the lease they have not reported my payments. Upon the completion of the lease, instead of severing ties with Benz I opted to make a purchase of the XXXX XXXX XXXX XXXX. I was approved for a custom build and paid the necessary deposits to have this process started. I was further promised 3 months of credits given I was waiting on my build and was in good standing with my credit and other payments. After waiting three months I was told that the credit would not be applied and was forced to make the payments. Upon refusal to do same, the manager I dealt with maliciously reported me as delinquent thus affecting my credit score by over 100 points. Further, to add insult to injury Benz refused to sell me the car I waited for after this malicious move was made. My credit to date reflects a balance which has been applied twice in recent months only to be removed when I contacted Benz, their information provided has always confirmed as inaccurate contacted via phone. I am of the impression that this is deliberately/maliciously being done. I need this to stop for no consumer should be taken advantage of in this regard.
03/13/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Confusing or misleading advertising	VA 240XX	Web
I am writing to request reimbursement for a rental car. My car had a manufacturer 's issue and was in the shop for two weeks. I reached out to Mercedes-Benz USA and was approved for a rental since the dealership had no loaners available. In these situations, Mercedes ' policy stipulates covering a rental car while the car is being repaired. I have talked to multiple agents who indicated that the responsibility for reimbursement falls on the dealership. I am seeking full reimbursement for this issue that occurred in XX/XX/2022. Detailed below are the actions taken to recover the rental costs ( {$970.00} ). Detailed phone records show when I reached out and the response given by each agent. XX/XX/2022 : Approval from Mercedes-Benz USA and given case number regarding renting a vehicle while vehicle in XXXX XX/XX/2022 : Car Rented from XXXX XX/XX/2022 : Sent approval from Mercedes to Service Manager handling this case at XXXX XXXX : XXXX XXXX ( XXXX XXXX The rental was returned on XX/XX/2022 and the final invoice was sent to XXXX. XX/XX/2022 : Message sent via text to XXXX requesting an update on reimbursement XX/XX/2022 : XXXX indicated to Mercedes that he never received a C1A to submit rental reimbursement From XXXX customer service - Email sent to the dealership on XX/XX/XXXX -- reimbursements go through dealership No updates since XXXX - agent advised that reimbursementgoes the dealership -- advised to submit a rental receipt, which was provided on XX/XX/2022 by email Called on XX/XX/XXXX -- told that reimbursements are handled by the dealership. Mercedes agent ( following my call in XXXX ) Documents were requested from the dealership in XXXX.
09/30/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	CT 06106	Web
On XX/XX/2022 my balance was overdue and I asked for a deferral that would cover the months of XX/XX/2022 and XX/XX/2022 in which I explained financial hardship from during those times. I was told if I pay a deferral fee of {$200.00} then my application would be processed and balance back up to date. My regular monthly payment of {$690.00} would not be due until XX/XX/2022. Although I made several attempts to pay the deferral fee in which I've never heard of before my payment was being blocked via online portal. On XX/XX/2022 I called to enlighten the company that my payment was being blocked and I was told not to worry and just pay the {$690.00} due by the end of the month to remain current. So I made a payment arrangement that day to do so. On XX/XX/2022 my vehicle was repossessed approx. XXXX XXXX and I could not locate my car for two days. Police had no reports of tows and the company said the system showed no repo. The police told me to report it stolen because by law a repo is to be reported within 4-6 hours. After calling again on XX/XX/2022 I was told they have the car and I only have 5 days to pay repo fees of {$550.00} plus personal property fees of {$1300.00} & owed balance to retrieve it before it is sold on the XXXX day ( XX/XX/2022 ). I asked to speak to someone else and I was told there was no one else available. I let the redemption specialist know my vehicle was taken before the due date and my payments were being blocked via portal on their website. She said too bad, you should find another way to pay us and hung up on me. No options were given and I was told if I try to retrieve my belongings I would be in legal trouble.
01/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30350	Web
I first want to say, I am highly disappointed and in shock that I even have to file a complaint on a company I thought held the upmost respect and honor of a consumer 's right. I feel disrespected and taken advantage of by XXXX XXXXXXXX due to the illegal violations and fraud that have been done with my information and in the simple finance charge contract. Below I will list what happened and how I was violated. On XX/XX/2021 I was in need of a vehicle and decided to go with XXXX XXXX XXXX and got a 2021 XXXXXXXX XXXX XXXX XXXX XXXX amounting in {$73000.00}. at the time of this transaction, a down payment of {$27000.00} was due, paid with a credit card. According to, 15 U.S Code & 1644 Fraudulent authorized use of credit card, I was violated. Car insurance was demanded as well before the car off the lot. That totaled in {$3500.00}. The monthly amount for this loan came out to {$1000.00}. According to, 15 USC Code & 1605 Determination Finance Charge, I was violated. I was desperate and in need of a car so I didn't make a hassle. After some months, my finances started to deplete which caused a-lot of mental and emotional stress. This lead me therapy! This matter also led me to do thorough research on my federal consumer rights. And again I am upset at the disrespect and the false deception of this contract. I know these violations as goes against the truth and lending act, yet on the contract it says how the obey the TILA but actual or in-compliance. They can go to jail and be prosecuted for this. It's tax fraud, its embezzlement it's flat out illegal. I am hurt and I want help ASAP! Attached is all the documents, arbitration starts now!
09/17/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 952XX	Web
XXXX/XXXX/XXXX XXXX # XXXX I called Mercedes Benz Financial and spoke with XXXX on XXXX/XXXX/XXXX and let him know that there was an error on our account regarding a payment not showing as received. XXXX gave me the run around and denied me to speak to a XXXX when I asked. He told me he would call me back on Thurs XXXX/XXXX/XXXX which XXXX never did. I told him that was unacceptable that XXXX was in receipt of my payment and cashed the check on XXXX/XXXX/XXXX. He said that XXXX would have to locate the missing check. I offered to send him documentation proving the check had been cashed and he said that was not necessary that XXXX needed to find the check. The check is and was never missing they cashed it on XXXX/XXXX/XXXX. I called to follow up and spoke to XXXX on XXXX/XXXX/XXXX and got the same run around that it would take days to locate the missing check. XXXX called and left me a VM on XXXX so I called back and spoke to XXXX who told me that XXXX changed banks and that is the issue and it will take days to research. I do not believe this story as all three of my checks since the inception of this lease on XXXX/XXXX/XXXX have all been cashed by the same bank and I sent XXXX the cancelled checks to prove it. I overnighter to them a copy of the original lease signed XXXX/XXXX/XXXX XXXX payment was paid for with XXXX XXXX for XXXX/XXXX/XXXX payment. The XXXX/XXXX/XXXX payment cancelled check, XXXX payment cancelled check and XXXX payment cancelled check. The account is currently due for XXXX/XXXX/XXXX and I enclosed my new payment to them. I also included bank printouts showing all funds clearing my account for all payments. I
06/07/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OR 972XX	Web	Older American
I have been dealing with this problem since XXXX XXXX, 2016 and 7 phone calls to correct to no avail. I made 3 principle only payments to my car loan from Mercedes Benz Financial Services They acknowledge they have received the payments but will not deduct them from my balance. These payments of XXXX/XXXX/16 {$1000.00}. XXXX/XXXX/16 {$5000.00} XXXX/XXXX/16 {$3800.00} are not reflected on my statement. Beside my XXXX principle only payment was {$1200.00}. After calling in 5 times I went down to Mercedes of portland and talked for 1 1/2 hr with their financial manager. She said she has no recourse. She would call and talk with them. After waiting 1/2 hr. for a customer rep she told my story and they could n't figure it out. They would call back that day, XXXX XXXX. No call. They called me back on XXXX XXXX and assured me they would get back to me the same day. Understood my problem it would be corrected by the end of the day. After waiting over 40 days for a simple answer I have no recourse but to contact you. My theory is they are using the principle only money in some way to their advantage. I am incurring interest on a balance that should have been corrected since XXXX. The account needs to be refigured with interest taken out in the same month to avoid over payment. I do not know what more I can do. Mercedes of XXXX has been no help at all. They can process a loan and then feel they have no responsibility to their customers to help with a serious problem. What the Mercedes Financial is doing of holding onto funds I consider a scam. Mercedes of XXXX is now owned by XXXX XXXX XXXX XXXX, XXXX. Please help. XXXX XXXX
07/07/2015	Yes	Consumer Loan Vehicle lease	Shopping for a loan or lease	CA 90731	Web
On XXXX XXXX, 2015 I entered into a vehicle lease/trade-in contract with Mercedes-Benz Financial XXXX XXXX XXXX of XXXX XXXX, CA ) with a down payment of {$10000.00}. My current vehicle was surrendered and I was given the new vehicle. On XXXX XXXX, 2015 I was informed by the location 's Finance Manager ( XXXX XXXX XXXX that MB Financial had declined my application for credit, but I should not worry as he would get it approved through reconsideration. On XXXX XXXX, 2015 I received official notification from MB Financial my application for credit was declined, but again, XXXX XXXX assured me not to be concerned and it would be taken care of. At no point was I advised the transaction was pending further/final approval. Under the impression this was a final deal, I tinted the windows at a cost of {$230.00}. On XXXX XXXX, 2015 XXXX XXXX advised me he was unable to obtain final credit approval and I returned the car. When my previous car XXXX 2014 XXXX Touareg with XXXX miles on it ) was turned back over to me, I was advised there was new tires on it. As an individual who used to sell tires for a living, they were clearly the same tires treated with XXXX. XXXX XXXX XXXX offered to show me a Purchase Order, but refused to produce the vehicle 's original tires at my request. At that point I noticed the mirror control knob had been broken off, rendering the mirror adjustment useless. XXXX XXXX told me point blank " you have {$1100.00} worth of new tires on your car, I 'm not repairing that mirror knob. '' XXXX has advised me the entire console needs to be replaced, which will cost {$250.00} in parts and XXXX hours of labor to repair.
11/06/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PR 009XX	Web
Dear Sirs : I acknowledge receipt of a letter of condolence regarding the passing of the customer and appreciating doing business with us after paying the full balance of the loan. However, I called to your customer service By the end of XXXX requesting the title of the vehicle just to find out it was sent to another address which is different to the address that you have been sending the bill for the last 4 years and 10 months. I acknowledge that I was very angry with your employee, who I know has nothing to do with this unfair practice of Mercedes Benz Financial Services that discriminate against US citizens residents in the US territory, PR. He told me I would be receiving a letter certifying the car has no debt with MBFS in the next 5 business day due on XX/XX/2019 for us to get a new title in PR. After this call, I received a letter and a notebook from your customer service VP person. This is not what was expected and agreed to satisfy a full payment of {$100000.00} for a car. We need the title of the car, we are the owner not MBFS. Consider this as an official complaint according to your customer service procedure. If I dont receive any answers to this email in the next 5 days, I will do a formal complaint before the Federal Trade Commission and the PR Ombudsman. I dont have any other option since you are being an obstacle for us to do legal business with our vehicle. See the attached documents that evidence the Power of Attorney given to me to do business with the vehicle and the email sent notifying the passing of my mother. Cordially, XXXX XXXX XXXX Email : XXXX Sent from my XXXX Begin forwarded message :
04/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19145	Web	Servicemember
Mercedes Benz Financial Services has promised me that they would Not Report late ( or charge late fees ) to the Credit Bureau during the Covid 19 pandemic. I lost both my jobs as well as my husband did. I called all of XXXX, filled out the info on their Covid 19 page on their website. Spoke to XXXX more then once and continue to speak to her even now. I am at lease end XX/XX/2020, can not go to a dealership anywhere in the XXXX, NJ or NY area to return the car. I owe {$6100.00}, trying to make payment arrangements and am told that I have to wait for lease end statement, which I did not receive.I don't have the money to pay in one shot but am willing to make arrangements which am told by XXXX that I will be able to do this. On XX/XX/2020 MBFS reported me late for {$720.00} and then again on XX/XX/2020 for {$6100.00}, on XX/XX/2020 again for {$7100.00}. How can they charge me LATE FOR XXXX WHEN IT IS XX/XX/XXXX??? MY payment is due XX/XX/XXXX??? They are charging me late fees as well. My credit score fell by over 100 points in just 2 weeks!!! I am desperately trying to remedy the situation to no avail. I believe this is unfair credit reporting, especially when they advertising that they care are not doing this to their customers, they most definitely are, and reporting late BEFORE its actually late??? HELP PLEASE. I have read many complaints of MBFS complaints about this very thing. I just can't take it anymore. I get calls every day, 3 times a day and I answer every one, XXXX, XXXX, XXXX, borderline harassed but I speak to XXXX all the time almost every day and she know that this is true. XXXX I'm sure it is recorded.
07/20/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	CT 06033	Web
I am writing to seek your assistance regarding an urgent matter involving toll citations for my vehicle. To be honest, I am deeply frustrated and feeling quite helpless due to the lack of resolution I have experienced with Mercedes. In XX/XX/XXXX, I received a letter from Mercedes stating that I owe them {$1700.00} in citations. However, I was perplexed as to the nature of this bill, which prompted me to contact Mercedes customer service for clarification in XX/XX/XXXX. According to their explanation, this charge is related to tolls that I owed. I promptly explained to the Mercedes customer service representative that I never received any bills from Mercedes regarding toll charges between XXXX and XXXX. Prior to this, I had consistently received bills directly from NY Toll by Mail and had successfully paid them off myself. I did indeed drive through the tolls, but the amount that I am being charged incorporates a large amount of fees for not paying the bills in time, when in fact I did not receive these bills as they were sent to the XXXX XXXX in Texas. In my conversation with NY Toll by Mail, they informed me that they could reopen the toll invoices if Mercedes would reverse the charges, allowing me to pay the actual toll amount without the additional violation fees. I have repeatedly contacted Mercedes for their help in this matter, however I have been diverted from one department/person/supervisor to the next, without any resolution. At this point, my humble request to Mercedes is simply to reverse the charges to NY Toll by Mail, enabling me to proceed with the payment of the initial toll charges.
07/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web	Servicemember
Leased ( Pre-Paid at signing XX/XX/XXXX = " at end of lease you will owe nothing, walk away owe nothing '', via Salesman/Financial Mgr ) XXXX XXXX XXXX from Mercedes-Benz ( MB ) : 1 ) MB attempted to charge {$600.00} maintanance fees during lease at service. REFUSED to pay. 2 ) XX/XX/XXXX returned XXXX XXXX XXXX ahead of schedule under mileage by thousands. -Salesman, Finance Mgr wanted new car, new lease signed, " keeping same amount p/m payment '', " no added cost to you ''. REFUSED to enter into new lease or to purchase. Salesman/Financial Mgr insisted so, requested to see XXXX cars in stock, Salesman hesitated, demanded to be shown two ( 2 ) XXXX XXXX XXXX XXXX cars in stock both had red/green tag RECALL notices on dashboard Salesman tried to remove one, I read the other. 3 ) Advised MB Salesman, and Financial Mgr will be purchasing XXXX. 4 ) Received from MB statment, owed for 2 tires and end of lease cost, total $ XXXX. 5 ) Phone call to MB SF Manager with complaint : Challenged 2 items ( end of lease fee, 2 tires replacement ) with SF Mgr who sent another statement 2 tires removed MB Financial added about same amount charge showing owed about {$1000.00}. Again REFUSED to pay. 6 ) MB Financial XX/XX/XXXX received a statement stating owed {$1000.00} will be turned over to collection agency if not paid15 days. 7 ) Will not pay 2 reasons : XX/XX/XXXX PREPAID was final inducement to sign lease " walk away owing nothing '' ; XXXX car insurance ended XX/XX/XXXX if there were ANY damages which there were none car was covered. 8 ) Readable copy of contract requested from MB Manager not received.
01/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NY 10475	Web
I on XXXX XXXX went to Mercedes Benz dealership to discuss my options for the end of a lease I have coming up in 4 months. The the sales men who was attending me talking my into getting an XXXX SUV that they had in inventory to finance. I was considering it due to the fact that the sports car the i currently have is rough to drive around the roads of XXXX XXXX XXXX and needed something that could handle pot holes, broken up and construction roads ( Etc. ). I gave them consent to run the bank application for a financing loan. I soon realized when I went home and ran the numbers myself with my wife the price he was trying to sell me the SUV for was way to much for its worth and left out a lot of details on it. He tried to convince me it was a great deal when it wasn't because the price he was selling me this XXXX SUV for was at the same price of a newer model XXXX or XXXX. I spoke about it with my wife and she tolled me the whole time at the dealership not to go through with the offer. I called the salesmen multiple times and it had only been an hour since i has left the dealership. I left him voicemails and text messages to not go through with the banking applications. I kept calling and I couldn't get in contact with them. I even went back the dealership to try and speak with him but he was already gone. They ended up doing it anyways after i told them not too. They sent out multiple applications to try to get me approved and got denied from a total amount of XXXX banks all on the same date of XX/XX/XXXX. This impacted my credit score and even got me XXXX hard inquiries on my credit report.
04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63121	Web
These Financial Institutions has denied my right after numerous correspondence. I'm not asking them to remove my personal information from consumer reporting agency. I'm simply exercising my rights under federal law pursuant 15 USC 6802 ( b ). They have failed to provide me with Truth in Lending Disclosures & Gramm-Leach Bliley ACT . There excuses are a Retail Installment Contract that does not include the Opt-Out Disclosures, nor does it waive my rights as a consumer. I'd explained & pointed out the factual evidence of this federal law numerous warnings & they're still incompetent to comprehend my consumer rights. My financial personal information is unsafe & not properly safe guarded. An Installment contract does not waive my rights under federal law. 15 USC 6802 is a federal law that financial institutions must follow. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
11/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 93536	Web	Older American, Servicemember
On the day we purchased the vehicle from the dealership, it was strongly suggested by XXXX the Finance Manager that I purchase an additional Vehicle Repair/Service Plan for {$1800.00} ( which he included in the Loan or financed amount ) which was a Pre-Paid service repair plan which I could use for repairs and service on a future date as needed. At no time was I informed and categorically advised that I could lose the {$1800.00} as a result to Non-Usage, I was not informed that I had to use the Pre-paid service plan by a specific date, nor was I informed that the money I was agreeing to pay could be lost and was non-refundable. Had that been disclosed to me, I would Not have agreed to finance an additional {$1800.00} which I could loose. The sales agent NEVER informed me of the potential loss of our hard-earned money otherwise we would not have agreed. This is a clear case of deception and exploitation, and I am a senior citizen who was railroaded into buying additional services with a steep price without being properly informed. We paid for the service in earnest believing that we could use the Prepaid service anytime we wished. As stated by the sales agent " Enjoy Peace of mind savings when you pay in Advance '' which is what I expected to receive, this purchase was made at the suggestion if not the insistence of the sales agent just before signing the transaction documents. Upon contacting the dealership to get our money back we were informed that the money is not refundable. {$1800.00}! Gone! without being properly informed about what we were being signed up for.
12/02/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 330XX	Web
My name is XXXX XXXX. I am a resident of XXXX county Florida and the owner of a Mercedes-Benz car. I 've been in a tough financial times recently and fell only 69 days past due on my car loan. Mercedes-Benz financial services aggressively pursued my past due by contacting my ex wife who lives XXXX miles away, has not been seen in 7 years, is not affiliated to the loan, and that they do not even have her contact number. MBFS, also contacted my extended family including my 70-XXXX father in regards to my past due debt. All of these phone numbers could only have been obtained through public searches. These phone calls were personally disruptive causing terrible pain to my current fianc and unsettling my home. This personal violation was irresponsible, a violation of my privacy, and also is considered aggressive unethical business practices. I called Mercedes-Benz financial services and spoke with XXXX a collections XXXX specialist. While XXXX empathized with my situation and apologize for the individual violation, he could not remedy or change MBFS policy. I asked XXXX to elevate my concerns and for a call back from Mercedes-Benz by one of his managers. I would like that these kind of violation and these tactics are not to ever be used on myself or more importantly other consumers who have loans with Mercedes-Benz. I feel at the CFPB may be my only help to implement policy or legal changes so these kind of collection tactics are never used again. I feel that bringing to light these tactics may be publically embarrassing to Mercedes Benz as privately violated I have been.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92585	Web
Someone opened a car loan using my stolen personal information. I have sent them an abundant amount of information to prove my identity theft claim. They are still trying to say it's a valid account and ruin not only my credit worthy and also pretty much put me in a situation to become homeless. I have applied for over 5 different home loans and have gotten denied to rent or own due to this fraud account. Im so lost at what to do next I feel the next step is to sue this company. They have violated several of my FCRA rights. Whoever opened this fraudulent account, the detective that is working my case believes they know me very personally. I had and still have a fraud alert on my credit that states to contact me before issuing any services or goods and they failed to do that. They have never attempted to call, text or email me anything. I only found out about this account when I tried to apply for my home loan and was denied and I immediately contacted them and sent over all the requested documents. I have sent the information over to them several times. I believe what they are is against the law. Im going to continue to fight for my rights. Its sad that I'm already fighting to regain my identity back and now have to have with this company. I have found out about 37 different accounts that were open and out of all them Im only have problems with two To give advise to any consumer looking to purchase a vehicle or get a credit card STAY AWAY FROM MERCEDES BENZ FINANCIAL and XXXX XXXX. they will not help you if anything like this happens to you, its very sad.
11/15/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	CA 92614	Web
I'm writing this complain in hopes of a resolution. In late XXXX I was nearing the end of my lease on a XXXX XXXX XXXX vehicle. I went to the dealer ( for service ) and was asked to lease a new XXXX Mercedes XXXX. Since at the time my lease was not yet mature, I was concerned with the lease disposition fee ( {$590.00} ). The Mercedes Dealer ( Mercedes XXXX XXXX ) stated that it was acceptable to get into a new vehicle lease early and that the disposition fee would be waived. They gave me, as part of the contract, in writing, a statement that the XXXX GLE lease disposition fee would be waived. The {$590.00} disposition fee was NOT waived and was deducted out of my {$4800.00} security deposit for the XXXX vehicle. In fact it took nearly XXXX months to return my security deposit - a process that took only days with XXXX or other OEMs. I have attempted to collect this fee for no less than XXXX hours on the phone speaking with more than XXXX different agents, all with promises of a " call back '' to no avail. As of today my XXXX time calling I was informed that a supervisor ( XXXX XXXX XXXX ) is " aware of the issue '' and will " call me back '' but no one has called me back or attempted to resolve this issue. At this point I am asking for the CFPB 's help in resolving this matter. It seems extremely dishonest that a financial services company, one that collects and keeps more than $ XXXX deposits from consumers simply has no desire or ability to service its customers and charges fees wantonly and contrary to the lease/purchase contract.
06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MS 386XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2021 deragatory information provided. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt. This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested. This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you. It would be ideal if you provide me with teh following : * What the money you say I owe is for : XXXX Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you state I owe : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state :
11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19027	Web	Servicemember
I requested a 3 month deferrment XX/XX/XXXX ; due to temp being laid off. Payments pickked back up successfuly as of XX/XX/XXXX. After numberous calls, XXXX, emails and letters. The company is reporting 30 days late for the month of XX/XX/XXXX. i had a deferrment for the moths of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was also informed that maybe we did not get your intial request in XXXX, or it didnt land in the appropriate department ; fill put paperwork and lets see what happens. I filled out paperwork again second time. Finally I was tol to write a leter to dispute in XXXX texas about the 30 day latenes of XXXX XXXX that letter was writtine XX/XX/XXXX. I have yet to hear any update. I cslled merceds financial service back to inquire about my dispute letter. I was told that theres no way they can XXXX to see if XXXX XXXX XXXX in XXXX texas received my letter ; i was also told that there is no telephone number that they can provide me to see if they received my letter. I explaied to the representative, far as I know that this could be a ghost company im sendig letter too ; representative responded " pretty much '' overall, i was never late for any of my car payments since purchasing this vehicle XXXX. In addition i have been in XXXX XXXX the past XXXX yrs and never with any miss or late payment. I just dont undrstand why this matter can not be fixed within XXXX. i was also told by meredes to dispute with XXXX XXXX in which i did and they will f/u ; of course that never happended as well. Any assistance would be greatly appreciated
06/08/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	TX 76502	Web
Recently I submitted a complaint with you on Mercedes Benz, by an error on my behalf I submitted the wrong Company name as to who my case was sold to by Mercedes, it was XXXX XXXX instead of another Mentioned name. After writing XXXX XXXX and telling them I would sue, because I didn't have an account with them, Mercedes picked the account back up. I want to stay in compliance and report accurate information. Somehow my paperwork was in the wrong file. I am resubmitting for proper documentation. Along with that, I'm submitting another Negotiable instrument sent to Mercedes because they said I still owed a balance of {$4100.00} which a different amount is reporting on my credit report of {$4100.00}. I am attaching the instruments again used to set off the debt with Mercedes, because after reporting this account to cfpb, Mercedes again hit my credit report with a delinquency reporting late charges that dropped my credit score XXXX points. The negotiable instruments were received by Mercedes and never sent back, and according to the negotiable instrument Act of 1881 USC 1 304a 1-2 It is payable on demand, and the Bill of Exchange Act Part 1-2. Unicentral Convention, Article 3 knowing that the instrument was received, and responded to that it becomes payable at site by registered mail. Mercedes and its affiliates have humiliated me and has damaged my character by the actions given. They repossessed my car in the middle of the night when it was my only means of transportation, and I had nothing to drive, nor a home. As till this day I do not.
07/31/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	VA 23666	Web	Servicemember
On XX/XX/XXXX I spoke with a paralegal at XXXX, XXXX XXXX XXXX XXXX in reference to a debt that was reported by Mercedes Benz Financial institute. This debt resulted when in XX/XX/XXXX a XX/XX/XXXX mercedes benz that was being leased by me was repossessed. The vehicle had 4 months remaining on the lease with a balance of {$1800.00} plus late fees and personal property tax. At that time, the balance to pay the debt was around {$4000.00} On the day that the vehicle was reposessed, I went to the auto tow location where the vehicle was taken and attempted to pay that balance and retrieve the vehicle to return it to XXXX XXXX. Mercedes Financial refused to accept payment, and the vehicle was sold at auction. After selling the vehicle, I received a statement from Mercedes with a balance due of {$17000.00}. This amount includes balance on lease, property taxes and fees required to repossess and sale the vehicle plus the amount that represents the difference in the value of the car less the amount the vehicle sold for. The lease that I signed with mercedes clearly states the required payment amount due if in default. My complaint is that Mercedes Benz has turned this debt over to XXXX, XXXX XXXX XXXX but the amount due is in error. I have communicated this information with them and I am getting the run around. I wish to resolve this debt as it is affecting my credt, however I am only willing to pay the actual amount that I owe. I spoke with XXXX XXXX at XXXX, XXXX XXXX XXXX but I have not been able to resolve this issue.
01/16/2023	Yes	Vehicle loan or lease Lease	Credit monitoring or identity theft protection services Billing dispute for services	FL 32224	Web	Servicemember
Thanks, I spoke with a rep at Mercedes Benz Financial at the beginning of XXXX to make my payment for XXXX. The reason I called was my bill was significantly higher than usual. I asked him point blank why was my bill so high this month and after XXXX mins on hold he came back and said I'm not sure actually because you made all your payments on time for the last XXXX years and the lease ends next month and don't see a reason for it at all. So after further review he found out that there was XXXX months from the beginning of the lease that were in deferment during covid when my mom was in the hospital XXXX. So the man said to me on the phone " JUST PAY THE MINIMUM DUE RIGHT NOW ' {$670.00} and the XXXX month when you were in deferment can be paid when you turn your vehicle in to XXXX. I replied great thanks for your help. Now after making my XXXX payment of {$670.00} I find out by logging into my credit report that they put a late payment on my credit for the XXXX months of deferment. This is BS and I tried very nicely to tell the manager that I would be filing a complain and fighting this tooth and nail until they click a button in E-Oscar and remove the late payment that " THEIR REP ON A RECORDED LINE SAID THAT I DIDNT NEED TO PAY UNTILL I TURNED THE VEHICAL IN " I made XXXX months payments on time and have a XXXX XXXX XXXX. I have never missed a payment on my credit and it is certainty not because I forgot to make a payment or didn't have the funds to pay it. Please help this means the world to me and my family.
06/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11411	Web
On XXXX XXXX I leased a XXXX XXXX XXXX from XXXX of XXXX XXXX. This transaction was done remotely by their representative XXXX XXXX. I authorized ONE HARD credit inquiry by their company which is their usual process. This is my second car from this dealership and this was the process in XXXX. However, upon checking my credit report I observed MB Conducted TWO HARD credit inquiries, one by the sales representative and two hours later ( according to XXXX ) another by Mercedes-Benz Financial Services. This second inquiry was done without my KNOWLEDGE or AUTHORIZATION. I know In my heart and mind that this was done because I am XXXX XXXX, they would have NEVER treated a Caucasian buyer with such disrespect. What did they think would possibly change between XXXX when I spoke to the representative and XXXX when I picked up the car. Had I been informed it would take TWO INQUIRIES for this transaction I would not have authorized any. I spoke to their representative XXXX in the sales department and to XXXX XXXX XXXX and was informed that this was the process, but I know it IS NOT. And if something changed I should have been advised of this BEFORE the transaction, not a month later when I observe my credit report has gone down 25 points for this one transaction. TransUnion states it appears as if I was purchasing TWO vehicles. I am getting nothing but the runaround from this company. This is a criminal offense and XXXX XXXX should be investigated for this kind of deceptive business practice.
01/28/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	UT 84047	Web
My vehicle was stolen on XX/XX/XXXX and I reported the vehicle missing to police, XXXX, and Mercedes Benz Financial Services ( MBFS ) on that date. XXXX sent MBFS a check totaling {$56000.00} on XX/XX/XXXX. I have been working with MBFS since that date to close out my account since I have been without a car since XXXX. I was told by a MBFS representative that my account would be closed out by XX/XX/XXXX. I called on XX/XX/XXXX, to check the status and advised they are running behind and to allow an addition 7-10 days for them to process. I was further told the account would be closed on Monday, XX/XX/XXXX, and to follow up for a paid in full letter on Tuesday, XX/XX/XXXX. When I reached out to MBFS on Tuesday, XX/XX/XXXX, for the paid in full letter I was advised they are still experiencing delays and to allow an additional 7-10 days for processing. I requested a paid in full letter and the request was denied because the account is not closed. I requested a manager call back to request the account be expedited and to discuss issues due to the significant delays in processing times and accountability on the previous representative 's estimated account closure dates. I still have not received a phone call from a manager " because the account can not be expedited. '' Since the account has been paid by insurance for more than 30 days I am herby demanding the account be closed, a Paid in Full letter issued, and an overpayment check be issued immediately so I can purchase a new vehicle.
02/20/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NY 125XX	Web
I contacted Mercedes-Benz financial collection department to advise that I have all the outstanding balance due to them in escrow and ready to make the payment to reinstate my car loan. They refuse to allow me to pay the outstanding balance with claims that my account is charged off. I contacted them in XX/XX/2018 advising them that I could not pay my account online and I was bringing my account up to date, that was when I found out that my car loan was charged off. I have been trying to pay off my car loan owed balance since XX/XX/2018. The finance company is requesting that the entire balance is paid off ( {$15000.00} ). That is way too much money for me to come up with. I have the {$6700.00} owed available and willing to pay it. The car is not worth {$15000.00} it is only worth about {$9000.00}. So, it has been very difficult for me to obtain a refinanced car loan and my credit score has gone down drastically. More importantly, my car payments were made timely and early every month for over 32 months before my incurring a financial hardship which I have since corrected. I have the balance due and am able to pay it and reinstate or modify my car loan. It is important because I have invested in this Mercedes-Benz vehicle for my PhD degree program over $ XXXX in timely payments. Lastly, note that when I did my credit report back in XX/XX/2018, the Mercedes Benz Financial services account was not listed at all nor as a charge off. Please help me with this important issue.
02/01/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 33162	Web
I XXXX, the woman and in use of a consumer has been denied to use my credit in order to acquire goods for personal and household use. At this time, XXXX XXXX OF XXXX of XXXX XXXX XXXX XXXX XXXX XXXX finance XXXX has denied my right to transact using consumer credit.I have given permission to pull XXXX NUMBER verification from XXXX with form XXXX XXXX I was intentionally told this store sells cars when, in fact they buy securities. As an investor of my consumer paper, and write to transact using my consumers credit backed by the full faith of the United States, I have been compelled and deceived in order to become an accommodation party and making a gift to XXXX XXXX OF XXXX when that is and never my intention. The finance XXXX intentionally tells me they are not in fact XXXXXXXX XXXX my paper. I initially spoke with XXXX the sales rep, who initially tried to compell me into a business transaction not XXXX for personal goods with my consumer. I have created a binding contract with this company and have not received goods rendered. Because I will not give up my rights to title interest, rights and proceeds to my consumer paper ( credit Application for sale to XXXX XXXX of XXXX ). Banks can not lend money, this store are only buyers of securities and gift takers. I have sent this company my intention by email to XXXX, however both professional parties are confused even after reviewing my intent.. I wish to recover the property now secured by my credit application.
12/12/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 775XX	Web
I bought the car on XX/XX/23 with Mercedes Benz financial instead of my personal credit union to obtain all the rebates & discounts then I intended to refinance the vehicle after my first payment was applied. In the meantime I wanted to cancel the maintenance service which I did on with the dealership on XX/XX/23 for {$5800.00}. Check was sent & completed on XX/XX/23 by dealership to Mercedes Benz financial. I then preceeded to refinance with my credit union & when I requested a payoff amount the {$5800.00} was added back to account balance. I called MB financial talked to XXXX Subject XXXX XXXX & he stated the dealership requested the check be sent back to them as there was an error in the check amount they sent. The dealership states they resent the check back to MBF & was cashed XX/XX/23. At this time I called both the dealership & MBF on the same call XX/XX/23 & MBF stated they would research & take care of it on their end. Many follow up phone calls have been made to MBF as I want to pay this car off with them but need them to apply the refund check & all the interest from XX/XX/23 to my account so I can get a good payoff amount. NO ONE will call me back or assist me with information on my account. Calls have been made on XXXX & XX/XX/23. I have requested a supervisor each time & I get no one is available. Mercedes Benz dealership has also tried to contact multiple times & they have refused to talk to them as well. I need resolution. Thank you XXXX XXXX
01/17/2017	Yes	Credit reporting	Incorrect information on credit report Account status	NJ 07650	Web
XXXX, 2012, i got a lease from mercedes benz financial services. I was actually a guarantor, not the user of the vehicle. Later that year, my business was shut down because of XXXX XXXX, and I was unable to make timely payments for the car anymore. Repeated attempts were made to explain the situation to Mercedes Benz, for them to take back the vehicle and try to understand that my business was flooded and inoperable. They would n't allow it, and forced the lease on me. I was late in my payments and then finally the vehicle was repossessed XXXX. They forced me to continue to pay for the lease even though the vehicle was no longer in my possession, and refused any sort of sympathy. Even though I used the vehicle for only one year, they forced the entire three year term on me - understanding that my business was flooded because of XXXX XXXX and i no longer had income to cover the payments. I paid out the entire term of my lease, every single penalty payment was made as soon as my business went back on its feed. In the end, i ended up paying almost the full retail price of the vehicle ( with all the penalties they forced me to pay ), for using it for only 1,5 years. And my entire credit history was destroyed. Please help, remove this from my credit report as I feel like Mercedes Benz took advantage of a situation that was completely out of my control - and now I gave them more money than the vehicle was ever worth, while only using it for close to a year!
04/15/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 92651	Web
After losing my job recently, I got in touch with Mercedes-Benz Financial Services regarding early return of my vehicle. I simply can not afford the payments any more. They offered me two options. Firstly, defer my monthly payments, but this would trigger a bulk repayment of missed payments upon then restarting payments. For someone with no income, stacking up {$2800.00} of payments is not an option at all. They also told me I could turn in the car and pay off the lease at a cost of {$7000.00}. This too is not really an option given I would have to find {$7000.00} and be left with no car. The specific advice from MBFS was to list my car on XXXX to find a buyer to transfer the lease to. My lease permits transfers and I was aware of this when I signed the original agreement. They also told me to speak to the dealer from whom I leased the vehicle. The dealer gave me the same options, so I I listed the car on XXXX at their direction. I found a transfer 'buyer '. However, MBFS are now not supporting lease transfers. When I called to ask why, I was told 'MBFS is too busy helping people who have been affected by COVID-19 '. This was appalling to me, since I have been affected by losing my job. They have effectively changed the term of my lease, without notifying me first. They are also falsely advertising lease transfers on their website. Plus, I have now incurred advertising costs which, on top of my other financial stresses, are not helping my current situation.
07/09/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 92612	Web
In early XXXX, I had purchased a XXXX Mercedes Benz E63 at XXXX XXXX ( XXXX ) and financed through Mercedes Benz Financial Services ( MBFS ). I was talked into purchasing an additional 2 year factory warranty for this car by the General Manager XXXX XXXX. However, on XX/XX/XXXX I traded this car into Keyes and leased a new XXXX S550. The terms of this lease were {$15000.00} at signing and approximately {$1600.00} per month for 36 months. I was told that the price was high because I had average credit. However, I had paid approximately {$7000.00} for the manufacturers extended warranty for the car being traded in and I was assured that I would get that back from Mercedes. After about 6 months and not receiving anything, I called up Mercedes and they told me that XXXX had instructed them to send the warranty refund to them. After confronting Mr. XXXX, I received a call back from him personally telling me that It is not refundable and I will not be getting a check in any amount. After going back and forth with both parties for basically the remainder of the lease to no avail and unwilling to take on the cost of litigation, I advised MBFS that I will be returning the car 4 months early and will off set the amount of the warranty refund which was almost exact. Subsequently, MBFS has been reporting this to my credit reports as a repo/surrender and eventually a charged off amount of approximately {$29000.00}. This has been extremely damaging, defaming and unjust.
03/10/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	DE 199XX	Web	Older American
Leased XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX of XXXX XXXX. The lease was for 42 months and included XXXX XXXX XXXX of {$3300.00}. The first maintenance would have been after XXXX miles. On XX/XX/XXXX the vehicle was totaled and only had approximately XXXX miles to that date { driving was limited due to XXXX -- lease allowed XXXX miles per year XXXX. The dealership provided disjointed and no follow up to my request for a refund. I first wrote to the finance person as well as my sales person on XX/XX/XXXX asking for a refund. I then sent numerous email to the XXXX, sales XXXX etc. finally I got hold of the finance person and took over the communication with their parent company, XXXX XXXX. They finally got the info they needed to proceed and then they received a response i early XXXX, XXXX stating XXXX had ruled that they would not refund the money and would be keeping it because they decided on XXXX XXXX that they would no longer refund any pre paid maintenance funds. The response was sent to the dealership and I had to call XXXX XXXX to find out that they would not refund the money. I lodged a complaint with XXXX and they still declined to make a refund. I do understand there is a discount for purchasing pre paid maintenance and do get that refunds part way thru XXXX be problematic BUT I had an accident, NO service had been done, they are keeping {$3300.00} and profiting from my accident and doing NO service
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 986XX	Web
MercedesXXXX collected a final balloon payment on the last month of my lease for {$4000.00}, carried over from XXXX deferments. I was not aware of this, as i forgot and my auto pay deducted final payment causing my account to go negative. I was able to get a refund on the full payment and agreed to carry over the final payment and add on to the purchase of the car, which Mercedes agreed. Mercedes does not work with residents for the state of Washington in regards to funding car loans, so i was reaching out to local lenders. As i was shopping for a lender after my lease ended it pushed past 30 days of my final bill and I was not aware that i was still on able incur a 30 day late, as we had agreed to roll the final payment over. Mercedes reported this late to the bureau which is causing me to not get funding. Once they told me I was past 30 days I payed the the final {$4000.00} on the spot and asked them to remove the late as I was in the process of trying to purchase the car. They said it was too late on their end and so here i am writing you. I was never late on my lease payments for 35 months and on my final month after Mercedes told me i could fold the payment into the purchase, I was marked late for that exact payment. I have resolved this mercedez and they are payed current up to date and i paid them an additional {$3000.00} to extend my lease until XX/XX/XXXX as I work to get this removed from my report.
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33180	Web
Dear Sirs, MERCEDES-BENZ FINANCIAL , I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. This account presents inaccuracies in the 3 most important credit reports, Different last report dates, the status of the payment is also different, the balance is XXXX showing different, among many other inaccuracies. This account presents inaccuracies in the 3 most important credit reports, giving a report only in XXXX. This account shows a different amount on all credit reports. Attached you will find all the information corresponding to this dispute. For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me. I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible.
03/26/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	HI 96797	Web
We mailed a check in the amount of {$24000.00} to pay off and close an open auto loan account # XXXX on XX/XX/2021. Attached are the supporting documents and the proof of payment. The check was received by Mercedes Benz Financial on XX/XX/2021. Mercedes Benz Financial processed this check and credited another closed loan account causing an overpayment on the wrong closed loan account. Mercedes Benz Financial continued to charge me interest on the open loan account and also took an additional payment from me. I called Mercedes Benz Financial on XX/XX/2021 to notify them that they had made this payment to a wrong loan account. Mercedes Benz Financial confirmed that this error would be corrected in 3 to 5 business days. It is now XX/XX/2021 and the wrong payment still has not been corrected. The closed loan has an overpayment of {$24000.00} while the loan that should have been paid off and closed is continuing to charge me interest and payments are still due on the loan that should have been paid off and closed. I tried my best to resolve this directly with Mercedes Benz Financial and they have been unwilling to correct their error and still have not paid off and closed the open loan. The closed loan is sitting there with an overpayment of {$24000.00} while my open loan that was supposed to be paid off and closed is continuing to charge me interest while also taking payments from me. This is not right.
09/11/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA XXXXX	Web
I totaled my vehicle around XX/XX/XXXX and I called Mercedes Benz to ask specifically since my car was totaled would I still be responsible for making payments and the answer was NO. The claim adjuster who was handling my claim on behalf of my insurance company was pregnant and had a sudden leave from work and I was not aware until there were issues being resolved regarding payment being made to Mercedes Benz. I alerted Mercedes to advise them that the paperwork they were submitting was not reaching the initial girl who was assisting with my claim and to send to another number. Paperwork was being held up by Mercedes and they placed two late payments on my great rating against my credit report. I have asked Mercedes to remove this deragatory rating because it truly dropped my score 100 points. I have always paid my account with them on time and they settled this claim in late XX/XX/XXXX. They also made me pay for the two months plus late fees in the amount of {$1900.00} ( plus ) I also had GAP coverage and I feel this was a double dip on my end causing me to pay substantially over what I should have not had to pay. Mercedes got over on me and I am not happy in the manner how they treated me as a customer. I purchased this vehicle from them and was financed through Mercedes Benz as well. I am asking for my money back and the two months of deragatory removal at once. XXXX XXXX XXXX XXXX XXXX GA XXXX
07/25/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75032	Web
I have XXXX open auto loan with Mercedes Benz Financial Services. I contacted MBFS because they had not been updating my balance with the credit bureaus. They stated that they would update my balance. Instead, they updated my balance to more than I originally purchased the auto for. I then contacted MBFS again and did not get anywhere with them. I filed complaints against MBFS and a member of their executive team, XXXX XXXX contacted me and stated that she would make sure the correct balance was reported. Two days later, I receive notification from XXXX that the MBFS account had been updated to reflect the correct balance owed HOWEVER, they also added another account to my credit report under XXXX XXXX XXXX using the same account number as I have with MBFS. Now I have XXXX accounts listed on my XXXX credit report with the same account number and different balances. XXXX stated to me that they can not remove the duplicate because it was reported under XXXX XXXX XXXX and that I would have to deal directly with MBFS. The account listed under MBFS is reported with the correct balance of {$48000.00} and the false XXXX XXXX XXXX is reported a balance of {$50000.00}. Both have identical account numbers but different balances. MBFS is listed underneath the XXXX XXXX XXXX. I now can not go forward with my home loan because my XXXX credit report shows that I have over {$99000.00} in auto loans which is FALSE.
04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32207	Web
I was denied a loan on XX/XX/XXXX and when I asked for information as to why, I was told that a CRA by the name of XXXX was reporting a Repossession on myself and my wife from XX/XX/XXXX. I have contacted this company many times with no response, but I was relentless with requests for copies of reports, demands for removal of inaccurate information, notices of disputes, threats of civil suit and finally yesterday, I was sent the response below, and advised that : [ quote ] " Hi Please find an attached file containing your report as we have on file under XXXX. Please note that we will contact MBFS to verify the commercial credit reported for : Obligor : Address : XXXX, MS XXXX Phone : Tax ID # : XXXX Once we receive their findings, we will notify you. As noted previously, we can not suppress this data unless directed to do so by the reporting commercial lender, MBFS. Please do not contact us again, we will notify you if any changes are made. XXXX XXXX. XXXX, XXXX. XXXX XXXX '' They are erroneously reporting an occurrence that has passed the reportable time allowed by the FCRA, FDCP, and many other laws. They reported to my lender that my wife was a co-borrower on this loan, yet refuse to provide any valid proof of such ( there is none ) I contacted ( XXXX, [ XXXX ] ) MBFS said they " have no such account, nor are they reporting any such account '' yet this item has shown up for many years now.
10/21/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30078	Web
This complaint is about the following account with Mercedes Benz : XXXX XXXX, XXXX XXXX. In XX/XX/XXXX, the company I am a XXXX XXXX for ( XXXX XXXX XXXX ) purchased a vehicle at Mercedes Benz XXXX of XXXX. At the time the dealer was made aware this was a corporation purchasing a vehicle and the dealer told me since I am one of the XXXX XXXX, I would need to sign as a representative of the company, however the account would not show on my credit report. So the contract I signed stated the buyer of the vehicle is the corporation ( XXXXXXXX XXXX XXXX ), and there is no co-signer or additional borrower. Fast forward XX/XX/XXXX, the account is showing on my credit report and also it is reporting a late payment for XXXX XXXX, as somehow the company book keeper had problems accessing the online account. Now this has destroyed my perfect credit. XXXX did not send me any notices about this either stating they will be reporting adverse information to my personal credit report. My company has every intention of paying on the vehicle, however, there is no contract between myself and Mercedes Benz Financial. Due to this I am demanding that the late payment or the entire account be removed from my credit report. I do want to resolve this matter amicably, however, if this matter is not resolved, I will file the attached arbitration demand to get this matter heard by XXXX arbitrator. Thank you.
06/28/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NV 89149	Web	Older American
I logged into Mercedes Benz Financial website to pay my car payment on XX/XX/XXXX, for a payment which was was due on XX/XX/XXXX. Their system indicated that I was due for two payments, ie that I was past due for a payment. In a panic, I paid the double payment, and emailed them to inquire why, if I was past due from the previous month, they had not contacted me. After making the payment, I went to my bank account, and discovered the previous months payment had been deducted from my account on XXXX XXXX, 2016. I emailed MBF this fact, but never heard from them on Monday. Finally I called customer service, and spoke to XXXX, ( last name unknown ) who explained, that their " NEW '' system, realizing that XX/XX/XXXX was a Saturday, and knowing that they place a 24 hour processing and additional 24 hour handling delay on payments, and because it was the weekend, they would just show it as due for 2 payments, because there was no way for their system to accept payment timely, even though at the time of my inquiry, I was only due for a single payment. In addition, when i discovered this I requested a refund of the unneeded payment, but was informed there would be an extensive delay to accommodate that request. I think this is deceptive and inaccurate servicing which has harmed me by mental anguish and financial harm. I have leased Mercedes for the past 15 years, but that is over now. XXXX XXXX
10/01/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 21217	Web
Back in XXXX of XXXX, I purchased a XXXX XXXX XXXX XXXX. The vehicle was financed through Mercedes Financial. Fast forward to XX/XX/XXXX, I was on autopay with my debit card. As a unconscious mistake, I didn't realize the debit card linked to my account was expired and not updated within the system. It was only after I noticed the payment had not been deducted from my account that I reached out to Mercedes. It was at that point that I was told there was no way for me to pay the missed payments. I was told they either wanted the loan balance in full. I tried to speak with them and negotiate paying the back payments and bringing the loan current. They told me there was absolutely no option to do so. They told me they wanted the car, or for me to pay the loan in full. Fast forward to present day, I have lost my job. I unexpectedly lost my husband, and have been trying to get my affairs back in order. I recently reached out to Mercedes and now I have been told a different story as to how I can reinstate the payments, pay the total payoff or turn the vehicle into a Mercedes dealership. However, they did not state what will happen if I turn the vehicle into Mercedes regarding the loan balance. I requested a statement of my payment history. At the time of my phone call I was told the payoff was {$30000.00}. However, upon receiving the payoff statement it was reflected of {$26000.00}.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60077	Web
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on ( XXXX ) and also XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) I have not initiated any transaction with { Insert COMPANY NAME }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for review or collection Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
11/09/2021	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	CA 91601	Web
On or about XX/XX/XXXX, I lease a XXXX XXXX XXXX XXXX XXXX from the XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I am attaching a copy of the lease contract. Fast forward to my present situation where I am not able to keep up with the payment due to financial hardship. Mercedes has failed to assist me with the reduction of payment. I do not qualify for Financing of the Vehicle at this time, so the more that I drive the vehicle the more miles that will continue to be put on it, declining the value over time. Today, I visited XXXX in the city of XXXX, CA where I was hoping to be able to sell my Vehicle to XXXX. The Vehicle was valued at {$49000.00}, however, I was then told that Mercedes is not allowing any payoff-off 's from any third parties. The fact that automakers are forcing us to keep the vehicle is causing chaos across the auto-finance industry. If the Vehicle is being paid off, it should not be up to a dealer to allow who can pay them off. I need the CFPB to step in and initiate a Federal Investigation into this illegal activity. I am sure that I am not the only person being affected by this. Auto makers and dealers need to put the consumer before profit, and allow consumers experiencing hardships to be able to sell their vehicles to third parties, like XXXX to be able to stay financial afloat, and lastly to not have this impact their credit.
05/06/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 77024	Web
Mercedes Benz has not followed the TILA laws nor have they followed the Sate Law of Texas. This form of communication is to place them on notice that Arbitration is needed, there is a dispute about my rights as a consumer and this alleged vehicle lease. I have contacted MBFS for 2 years going back and forth and they have only stated opinionated and business cultured responses, just because this is how they have done things for so long doesn't mean its a law or right. I have given them every law and the meaning of the law and explained to them how breaking the law caused emotional damage to me, however they continue to either not respond nor have they responded with an affidavit. Attached is a notarized copy of revocation on power of attorney. Attached is a notarized copy of my right to rescind the alleged vehicle lease contract Attached is a notarized copy of an Affidavit of truth and final opportunity to cure with 4 counts of violations on The Federal and State level. Im demanding that the attorney contact me via CFPB to address the dispute. I do have the right to take this case to federal court which is my jurisdiction as a Consumer has power and is respected. With going to Federal court and having the courts hear my case based on Truth and Facts will allow other consumers to use my winning case as case law costing MBFS tons of money in settlements and lawsuits.
09/15/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CT 06605	Web
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX financial took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX made me purchase insurance seperately. I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 usc 1692 ( e ) Take Notice that Pursuant to 15 usc 1692 ( a ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you XXXX XXXX XXXX XXXX XXXX XXXX, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 usc 1692 ( a ) as any natural person allegedly obligated to pay any debt. Take further notice that I am the true creditor Pursuant to 15 usc 1692 ( a ) which clearly states that a creditor is any person who extends credit creating a debt therefor I a consumer created the debt via my extension of credit XXXX XXXX XXXX XXXX XXXX
07/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 360XX	Web
On XX/XX/XXXX my account was in default due to being 107 days past due. To my understanding from speaking verbally with a representative, I was advised that I could pay {$770.00} to get the vehicle out of default. Although I was not current I was advised that my account would be put on hold and that a 2 month extension would be applied and to make my next payment as soon as I can. I told the representative I wont be able to make full payments but I can make partial payments which she said was fine. Four days later, I received another default letter dated XX/XX/XXXX. As instructed I continue to make the partial payments in XXXX on XX/XX/XXXX {$230.00}, XX/XX/XXXX {$200.00} and XX/XX/XXXX {$300.00} totaling {$730.00}. On XX/XX/XXXX, my vehicle was repossessed. I have been trying to dispute and escalate this matter and no one has contacted me or followed up with me to this date. I have called and called because this repossession is in error. The way the payments has been allocated in error has caused this wrongful repossession to occur. I recently gained employment when this occurred and have almost lost my job as a United States XXXX XXXX. Ive lost income and my daughters first year in college has been stressful she is XXXX hours away and I have not had any means of transportation to be there emotionally, physically and financially since this has happened.
10/27/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32539	Web
This complaint is for loans under my business provided in the attached letter. The company and I were in communication during covid-19. My business operates in the restaurant industry and we were completely shut down for several months in XXXX. I communicated with Mercedes Benz Financial Services ( XXXX ) on the monthly basis to determine my ability to pay. They said I was protected by th e covid-19 guidance and I could skip up to 3 payments. Every time said I was within the covid-19 guidance and this would not negatively impact my credit. When I applied to a loan with XXXX XXXX on XX/XX/XXXX, I sa w that they had reported me late for the three payments they arranged. I followed their company dispute process and received a letter I was denied. I have never been able to talk to a person or be told why. I have tried contacting them by phone and their message portal on their website. I have never been responded to further. My dispute letter to Mercedes was prepared on XX/XX/XXXX. It included the two loans I have with them, they refer to them as contract numbers. The first loan is showing late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The second loan showing late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Also it shows a past due amount of {$950.00}. I did speak to a customer service rep and they said they could not see where I am past due any where.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76040	Web
In 2019 I Voluntary Repo my XXXX XXXX because I had to leave a XXXX XXXXXXXX marriage and I was unable to afford the car as my ex-husband paid the car for me. I gave the car back and let them know I was unable to pay for it. I called Mercedes Benz financial yesterday and spoke to a woman and informed her that the account shows as opened which basically appears i still owe XXXX dollars a month for a car I do not own. I asked her to tell me what happened to the car and how much did they sell or auction the car off because it is my legal right to know how much money they received for the car as they can not continue to report on my credit report that I owe this when they have already received payment for the car. The lady said she was not allowed to tell me that. I asked her how I can get this taken off my credit report and she said you need to call the company who we sold the debt to. I asked her how I can find the people that hold the debt so I can speak with them she said she didn't know and didn't have any contact information to give me. I know it is my legal right to know how much they sold the car for, and that balance should be taken off my credit report as balance owed. There were no legal or repo fees as this was a voluntary repo. I do not owe this company and this needs to be removed my credit report and considered a closed account or a charge off.
05/13/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	MD 20708	Web
XX/XX/XXXX- I leased XXXX XXXX XXXX 2016, Representative XXXX showed me the car with all the features but gave me a different one without any features. The one I brought home had only the basics and it was the same car. When I brought this concern to the supervisor and also to the few more representatives working there, they didn't address the issue. So, I managed to pay the whole lease even though it wasn't the car I picked. I was told that representative who sold me the car had been terminated because he cheated several clients. At the end of the lease XX/XX/XXXX, I emailed the company multiple times because I wanted to purchase the car and no one showed any interest. I was also at the dealership because I wanted to purchase the same car or maybe another car XXXX XXXX, 2016 which I really liked. They said, someone will call me soon and no one ever reached out to me. I received a statement saying that I owe company {$1200.00} because the termination fee and I scratched the door. When I returned the car they actually inspected the same day and there wasn't any scratches. Also, the termination fee was never mentioned to me when I leased the car. I paid the whole lease off so I am not sure, why they want me to pay more money. I am an XXXX student and I have a lot of student loans to pay off so please help me out in this situation. Thank you, XXXX
11/18/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NY 10453	Web
On XXXX, XXXX 2021 I entered a Consumer Credit Transaction at XXXX the dealership located at : XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I entered the credit transaction for a finance of a XXXX XXXX XXXX XXXX XXXX XXXX number : XXXX. During the transaction XXXX XXXX XXXX and XXXX coerced me into making a cash downpayment of {$10000.00} which is a clear violation of 15 USC 1605 as there should be no cash involved in a consumer credit transaction. After that they unlawfully with no consent from me placed a lien on my property by lying to me. After that I went home and realized I was violated as a federally protected consumer under the Truth In Lending Act, I decided to exercise my right to rescind pursuant to 15 USC 1635. I sent out my written notice to the dealership and XXXX XXXX because they were included in the transaction through XXXX without my consent . Once I Exercised my right to Rescind the necessary action to reflect the termination of the security interest created under this Consumer Credit transaction should have been made, but was not. The written notice was delivered to both corporations on XX/XX/2021 with tracking numbers : 1. XXXX 2. XXXX These two corporations have failed to stay in honor and compliance with the Truth In Lending Act by lying and creating a fraudulent loan when this was a Consumer credit transaction not a loan.
12/28/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	MD 21236	Web
I HAD A LOAN WITH XXXX XXXX ON AN XXXX. I TRADED THE VEHICLE IN TO MERCEDES BENZ FINANCING AND PURCHASED A NEW CAR FROM THEM IN XX/XX/2020. A MONTH OR SO AFTER TRADING IN MY VEHICLE, I WAS MADE AWARE THAT MERCEDES FINANCING DID NOT COMPLETELY PAY OFF MY VEHICLE, AND THERE WAS APPROXIMATELY {$100.00} REMAINING TO BE PAID. I WOULD LATER FIND OUT AFTER SPEAKING WITH SEVERAL REPRESENTATIVES, THAT THIS WAS BECUASE THERE WAS A DELAY IN SENDING OUT THE CHECK TO THE PRIOR FINIANCING COMPANY. BECAUSE OF THIS ERROR THAT WAS NOT THE FAULT OF MINE, MY CREDIT WOULD ALSO SUFFER BECAUSE OF THE LATE PAYMENT THAT I WAS UNAWARE OF. I HAVE BEEN CALLING MERCEDES SINCE THEN TO RESOLVE THIS ISSUE AND THEY STILL HAVE NOT DONE SO-AND IT HAS BEEN OVER 4 MONTHS. IN AN EFFORT TO NOT HAVE MY CREDIT FURTHER IMPACTED, I COMPLETED THE PAYMENT IN THE AMOUNT OF {$110.00}, ALTHOUGH IT SHOULD HAVE BEEN PAID BY MERCEDES FINANCING. I WAS ALSO TOLD THAT THE VEHICLE HAS BEEN RESOLD TO ANOTHER CAR DEALERSHIP, BUT IM UNCERTAIN HOW AS MERCEDES DOES NOT OWN THE TITLE BECAUSE IT HAS NOT BEEN PAID IN FULL SO LEGALLY THEY CAN NOT RESELL IT AS THE TITLE IS NOT FREE AND CLEAR. I AM REQUESTING THAT MERCEDES REFUND MY PAYMENT AND RECTIFY THIS ISSUE WITH ALL THREE CREDIT BUREAUS IN THE FORM OF A DISPUTE ON THEIR BEHALF FOR DAMAGING MY CREDIT. I HAVE ATTAHCED A COPY OF THE PAYMNET CONFIRMATION.
04/30/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CT XXXXX	Web
My Mercedes Benz account number is XXXX. I called Mercedes Benz and advised them that I was not working due to COVID19 and agreed to defer 3 payments under the circumstances. My account is allegedly deferred but they are still reporting late payments to my credit bureau for the months of XX/XX/XXXX 30 days, and XX/XX/XXXX 60 6days with a past due amount of {$2600.00}. I received a call on XX/XX/2020 from MBFS saying they were calling to help me with my account due to COVID19. I was confused because I had already contacted them last month for assistance, so that was a red flag for me especially with the erroneous credit reporting that is not even suppose to be happing under the current CARE ACT. The rep. XXXX advised me she would be calling me back regarding my account. Heard back from XXXX today and she basically said they were not going to be doing anything to fix my credit or report the correct information, and told me to disputed with the credit bureaus, and she was suppose to have called me back on XX/XX/2020. I advised her I would be making this complaint because my credit is being ruined and they are not following the present order in place to protect consumers. My account was positive and now they are reporting it negative after they LIED and told me the payments they were reporting are deferred payments. Does not make since.
06/06/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	NJ 085XX	Web	Older American
My vehicle XXXX XXXX XXXX XXXX lease was ending towards the end of XX/XX/XXXX. I wished to purchase it from Mercedes Benz Financial services and on XXXX I made the online payment of the entire amount due of XXXX after adjusting the {$6000.00} of security deposit held with them. thats a total of XXXX towards the car, sales tax on it and a couple of charges for documentation etc. I A couple of weeks later I called in to check on the status and a customer service rep said it will take a few more days. Then I called in another 2 weeks or so and was told on XXXX XXXX ( after being routed through several departments that the Original Title documents had some issue and they had to apply for a duplicate. After 2 to 3 weeks I called to get the status and was told that the duplicate was applied for on XXXX XXXX. ( AFTER 10 further days of delay ). A supervisor ( XXXX ) told me that he will give me an update on the status on a weekly basis. But never called me back to update. Today XXXX XX/XX/XXXX I called again and demanded to speak with a supervisor or a XXXX and after close to XXXX minutes of holding was told that there are no supervisors to speak and said they can only arrange for a call back. After paying for the total cost of my car, I am yet to see the title of the car after 10 weeks. And no update from the company whatsoever.
08/21/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	CA 91303	Web
I went to Mercedes Benz in XXXX to get a business car loan. I was told that I would not be a cosigner, that they'd run my credit just to verify my score ( a soft pull ) They ran my credit twice in the span of 5 minutes. I was told they ran it once to verify my credit which ended up being a hard pull, not a soft pull like they explained. And, they ran it again for an approval. When I got the second pull I complained to the financial department and they again stated the first pull was a soft pull. To top it off, I was approved for the car with {$0.00} down but when I looked at the paperwork I saw that they had me down as a cosigner and that it would report to my personal credit not my business credit. When I brought it up they said the deal was already signed and that's just how they do business. And, that's how all car companies worked for business loans, which is another lie. When I walked out to start the car, it wouldn't work because the key battery was dead, they then changed the battery 3 times and the car wouldn't recognize the key. Imagine being lied to for 7 hours to have a car that will not start. I let them know I didn't want the car and I wanted the inquiries removed from my report since they lied about everything and the car wouldn't even start. They agreed, but almost a month later and it hasn't been removed.
01/10/2018	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	CA 90025	Web	Older American
I returned a XXXX XXXX at lease termination XX/XX/XXXX, all lease payments were made on time. Mercedes Benz represented to me that if i leased a new car from them within 60 days of lease return they would waive and/or greatly reduce turn in fees. I leased a new Mercedes about 2 weeks after the previous vehicle return and obtained lease financing from MB Financial ( same lender on both leases ). I returned the second MB in XXXX, all payments were made in a timely manner, I received and itemized statement from MB on the 2nd car for additional fees and promptly paid them. I am vehemently disputing the vehicle turn in fees on the first MB because I was never notified in writing of any amount due until approximately 4 years and 10 months after lease termination and never have received an itemized summary. I responded to the collection agency within the 30 days of notice of debt with a letter from my attorney disputing the amount with case law support and MB continues to report wrong and derogatory information on my credit file with all 3 bureaus. MB have their facts wrong on why they waited for almost 5 years to notify me of this claim. MB is reporting incorrect information on the second vehicle and using it as leverage. I believe I am being bullied and harassed by MB when they have no right under the statute of limitations.
08/01/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 322XX	Web
On XX/XX/XXXX, MBFS-Mercedes-Benz Financial Services hired XXXX XXXX XXXX to repossess my vehicle. I initiated this transaction with my credit card. I am a consumer and the purchase was for personal use. After doing some research, I realized that the FDCPA, TILA, and the Equal Credit Opportunity Act were violated. On XX/XX/XXXX I sent a letter to MBFS disputing the validity of the debt due to fraud, debt validation and Cease & Desist and a debt validation. I didn't receive a response from MBFS. I received a threatening letter titled, " Notice of Default and Right to Cure Motor Vehicle Lease, '' the letter was dated XX/XX/XXXX ( received in XXXX ), giving me until XX/XX/XXXX to make payment before adverse action will take place. On XX/XX/XXXX I sent a letter of " Default notice/Fraudulent assignment/Aggravated Identity theft Letter. I listed the respond by date of XX/XX/XXXX. XXXX hired XXXX XXXX XXXX to repossess my vehicle on XX/XX/XXXX. XXXX XXXX XXXX required me to turn over the keys to the vehicle in order for me to receive my personal property from the vehicle which was bagged up without an inventory sheet. I was not given a copy of the property release form I signed. This was adverse action against me. I used my credit card to lease the vehicle which gave MBFS a security interest which is the certificate of title.
12/06/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NY 10011	Web
RE- Lease of XXXXXXXX XXXX XXXX XXXXXXXX VIN # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX I handed back a XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX to Mercedes Benz XXXX XXXX XXXX XXXX condition with XXXX miles on the clock and an overpayment of over XXXX XXXX plus {$1800.00} early pay off fee which I was told by XXXX XXXX over a recorded phone line in XXXX would be waived. Since dropping back the leased car, I have contacted Mercedes Benz USA, Mercedes Benz Finance and Mercedes Benz XXXX by phone and email on several occasions over the last couple of months trying to recover my overpayment of {$16000.00} plus {$1800.00} early payoff fee which I was told would be waived but was subsequently charged to my account. See enclosed closing statements which clearly show the overpayments. I have tried to get a resolution to the problem over several months sending emails and contacting Mercedes Benz on numerous occasions. I opened a case complaint with XXXX XXXX XXXXXXXX see enclosed but almost 5 months since I handed back the car we have not received the overpayment refund that is owed to us. It seems, Mercedes Benz does not dispute the monies that are owed this is clear in the closing statement, but they seem to dispute which department of the company owes us the money.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60077	Web
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on XXXX and also XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with ( XXXX XXXX ) ( MB FIN SVCS ) ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with { Insert COMPANY NAME } for review or collection. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
10/05/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 331XX	Web
I have a lease on a 2020 Mercedes Benz. My lease expires in 90 days. However, on XX/XX/XXXX I filed a formal concern with Mercedes Benz because my ABS light was on and the sensors were not working. My brakes did not stop as normal. I was on my way to the service department in XXXX XXXX, Florida when I stopped suddenly and tapped the back of another car. ( No injuries or damages to the other car ) My car suffered a dent to the grill. I let Mercedes Benz XXXX XXXX XXXX know of the incident and asked them to do a diagnostic on my brake system. XXXX XXXX XXXX informed me that I would have to deal with Mercedes Benz Corporation. I have had almost XXXX weeks of back and forth and XXXX assistance. I was provided an XXXX service XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has not been in contact with me via phone. I received a short email twice. I am still paying my car payment on time. However, my car is still sitting at the XXXX XXXX XXXX XXXX Department. No one is helping me fix my car. No updates, no return call, nothing. The MB Coral Gables Service Person ( XXXX ) informed me to call XXXX XXXX. I have email and called. He is completely ignoring my situation. No service. I can not even collect my car from XXXX XXXX XXXX. Yet, I am still paying the lease payment. I need assistance with this situation.
03/31/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33484	Web
I purchased and financed a vehicle in XX/XX/XXXX at that time I also purchased some Service Contracts as well as a Gap Insurance policy. XX/XX/XXXX my car was in an accident and deemed a total loss. My Insurance Company immediately paid the cars value, which left a gap amount of approximately {$4400.00}. My Gap Insurance responded with a number of excuses, they did everything except pay the claim. This lead me to file an insurance complaint with Florida Department of Financial Services. My GAP policy stated that the policy was between the dealer ( Mercedes Benz XXXX XXXX, FL ) and I, which lead me to list " Mercedes Benz '' as the provider on my complaint. Mercedes responded that they do not sell insurance but yet instill they did pay some some of the balance due. Mind you I have been emailing Mercedes since XX/XX/XXXX to have this GAP balance paid and after all that on Friday XXXX I received a call from a collection agency. The agent stated that she was calling on behalf of Mercedes, I couldn't believe that they had my account sent to collections without the courtesy of a phone call or a letter to update me on the final status. This lady went on to tell me about my account my account being in collect of course Mercedes made it appear as if they have been trying to collect since XXXX
02/17/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NJ 085XX	Web
I leased a Mercedes-Benz C300 vehicle from Mercedes-Benz of XXXX, XXXX, in XXXX XXXX. At the same time, I returned my prior leased Mercedes-Benz C300 vehicle ( a XXXX model ) to the dealership. The XXXX car was registered in XXXX and, accordingly, bore XXXX license plates. ( I moved from XXXX to XXXX just a few weeks before starting the new lease ). The sales consultant with whom I worked assured me that the license plates on the XXXX car would be dealt with appropriately when I returned the vehicle to the Mercedes-Benz dealership. However, several months ago, I received a bill from Mercedes-Benz Financial Services for nearly {$900.00} in taxes owed to XXXX XXXX, XXXX, because the XXXX DMV never received the plates. I have called and emailed the dealership repeatedly since that time to attempt to figure out where the plates are so that they can be returned to Connecticut, to no avail. I believe that Mercedes-Benz Financial Services has also attempted to contact the dealership. Mercedes-Benz Financial Services claims that I owe them for the {$900.00} they spent on the XXXX XXXX tax, even though I no longer lived in XXXX when the tax was assessed, the car should not have continued to be registered in XXXX, and Mercedes-Benz Financial Services should therefore never have paid the tax bill.
09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 601XX	Web
I am writing to formally file a complaint against Mercedes Benz Financial regarding their inaccurate and incomplete reporting of an account on my credit reports. I have previously disputed the way this account is reported, but my concerns remain unresolved. The discrepancies in the reporting of this account are evident across the three major credit bureaus : XXXX reports the payment status as " Too new to rate ; Approved but not used. '' XXXX states " Paid, was a repossession. '' XXXX indicates " Paid or paying as agreed. '' Furthermore, there are inconsistencies in the reporting of late payments : XXXX reports " Past Due - 90 Days '' six different times. XXXX and XXXX, however, state that this occurred only four times. Additionally, I have observed that there are months in the full payment history of this account where the payment information is incomplete, indicating that the account is not reporting complete data. I have previously disputed these discrepancies with Mercedes Benz Financial, but their response concluded that the account is reporting accurately, which I strongly disagree with. For your reference, I am providing a copy of how the item appears on my credit report to demonstrate that this account is not reporting accurately or providing complete data.
10/01/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	WI 53211	Web
We made an additional principal payment of {$5000.00} earlier this year to Mercedes Benz Financial Services. This was made beyond our monthly payment - which is set up as a monthly autopay. MBFS improperly processed this {$5000.00} payment as an advance payment. Furthermore, they turned off our autopay. We never authorized them to turn off our autopay, and we made our principal payment in good faith as just that. We had not noticed that they turned off the autopay, but when we did, we asked them to make the necessary adjustment in a manner that would not impair us, and in a way that the interest payments were adjusted back to reflect this payment in XXXX, and I offered to make total payment at that time for the total amount of autopays they never drew from our account. The problem is that when they made the adjustments, they included a number of late payment notices, and also added a number of late payment fees. I have been speaking with them on and off for two weeks and they still have not corrected this. In summary, they acted in an unethical way, trying to turn our principal payment into something it was n't. They damaged our near perfect credit rating by layering on late fee notices - when there were never any late payments - none.. and then they assessed us late fees.
12/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10314	Web	Servicemember
Good afternoon, On XX/XX/XXXX and XX/XX/XXXX my XXXX credit profile was pulled twice. That resulted in 4 hard inquiries on my credit report from XXXX. I am purchasing a house and this does not reflect positively and I am trying to fix this issue. I called the credit bureau and was advised to get a letter from Mercedes Benz Financial requesting that 3 of the inquiries be removed immediately. The letter was sent by certified mail on XX/XX/XXXX and received on XX/XX/XXXX. On XX/XX/XXXX I received a phone call from Mercedes Benz Financial Services stating that the credit pulls were valid. The representative stated that the Dealer should have explained that they pull my credit, then send my information to Mercedes Benz Financial Services who pulls it again. I stated that the dealer did not indicate that MBFS would pull my credit again and since they are affiliated can they send me a courtesy letter that I can send to the credit bureau requesting that 3 of the inquiries be removed. They declined stating that the 4 pulls that happened for one loan over a 2 day span was valid. I find this highly unreasonable as I would not be able to get a loan with them if I had bad credit and pulling my credit 4 times is definitely hurting my credit rating and scores for 2 years!
08/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20009	Web
Two of my three consumer credit reports ( XXXX and XXXX ) are each erroneously showing a single 30-day delinquency on my Mercedes-Benz Financial Services installment loan ( account no. XXXX ), while my XXXX credit report correctly shows that the account was never delinquent and always paid in full and on time. Moreover, the two credit reports that reflect the erroneous delinquency are reporting it in different monthsXXXX shows a 30-day delinquency in XX/XX/2017, while XXXX shows a 30-day delinquency in XX/XX/2017. This account was never 30 days ( or any number of days ) delinquent in either of those months or any other month. Rather, the account was fully paid off, on time, without a single late or missed installment payment over the entire life of the loan. I spoke with a representative of Mercedes-Benz Financial Services on XX/XX/XXXX regarding the inaccurate information being reported to the two credit bureaus, and she agreed and confirmed that the information is, indeed, inaccurate according to their own records and that no delinquency of any kind should have ever been reported for my account. She further informed me, however, that she would not be able to correct the error for me, and the only way to get it corrected would be to submit a written request.
06/27/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	IL 60636	Web
On XX/XX/22 I spoke with a salesman by the name of XXXX XXXX we discussed a car I seen On the internet. I let XXXX know I was interested and that I was a out of state customer, I let him know that the Mercedes dealer ship in my home town was asking of a down payment of XXXX and I wasnt paying a large amount. XXXX ran my credit did all the numbers and credit pull and call me back and let me know that I was tier XXXX with Mercedes Finiancal if I give XXXX down payment I can lease the car for as little as XXXX monthly I agreed and a link was sent to my phone to sign all contracts and documents. XXXX and I set discuss a time to get car ship. Fast forward to XX/XX/22 I still wasnt able to get plates or registration to even drive the car I reach out to XXXX who was dodging me and never was available, I than spoke with multiple people and finally I was in contact with a lady by the name of XXXX XXXX she went in and re wrote my contract push me to tier XXXX in up my credit monthly payment from XXXX monthly to XXXX I believe ( I have supporting documents ) imagine this is almost a month later Im sure my credit have change at time she did this Im asking for this contract to be cancel return my deposit this is for sure fraud and against the law. Im seeking out legal help
08/24/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	NY 10128	Web
I leased a vehicle from XXXX and financed it through Mercedes Benz Financial Services. The loan was fully paid off and the vehicle was given back to the XXXX dealership in XXXX XXXX, CA on XXXX XXXX. The vehicle was in pristine condition and I was well under the allotted mileage under the lease terms. Upon returning the vehicle, I was asked to pay a fee of {$640.00} as part of the lease return fee, which I made out in cash to the dealership. I moved from CA to NY last year and I made a trip specifically to remediate this process. It 's been over 10 months since I returned my car and paid all debts off in its entirety and MB contacted me on XXXX/XXXX/XXXX informing me that I still owe a debt of {$640.00} as part of the lease return fee. Mercedes Benz never attempted to contact me regarding this issue. They never sent me written communication regarding this issue until XXXX/XXXX/XXXX, when I received a notice in the mail. These are unfair practices and I 'm almost certain that the employee who took my vehicle back pocketed the money that was given to him and did n't settle my balance in full. Since it 's been almost a year, I did n't retain any copies of these records. However, the website for my account states that all debts were paid in full.
06/10/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 75002	Web
I paid off my auto loan payment on XX/XX/XXXX. I requested a loan payoff online on Mercedes Benz Financial Services ( mbfs.com ) and payed the entire amount indicated. The website said the title would be sent out. I waited patiently for the title to be mailed and followed up the week of XX/XX/XXXX after not having received it. I called XXXX XXXX and they said that they would expedite it. I received a call today XX/XX/XXXX that there was a misallocation of funds to my auto account in XXXX of XXXX. I asked the representative why was I not made aware of this in XXXX of XXXX, particularly in writing. She claimed that the customer just recently called about it. How coincidental that once I pay off my vehicle, I am now encountering an issue with my account. I understand that mistakes can be made because we are human, but to not notify me in a timely fashion. This does not add up for me. I am not seeing any data that shows a misallocation of funds in XXXX. I see 2 reallocation line items in XX/XX/XXXX that cancelled out each other and another in XX/XX/XXXX but is not cancelled out. I feel that this is another XXXX XXXX move and that I am likely not the only one experiencing this and Mercedes Benz Financial Service needs to be held to a higher standard.
12/20/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 94560	Web
XX/XX/2018 purchased new XXXX XXXX with warranty, within XXXX minutes the engine light came on and XXXX was lagging on freeway. I went back to Mercedes and told its a new car and it needs to be driven at least XXXX miles. todays miles is XXXX when I would take my car for engine lights, transmission problems that should be covered under warranty, I was told my warranty doesnt cover it. I have had my XXXX parked for nearly 2 years 90 % of the time, because I am afraid of paying service bills or my insurance going up on problems defects. The service XXXX XXXX XXXX- should be investigated. This has been normal practice for him to charge insane service fees or ask for side tips. mercedes XXXX XXXX gave me XXXX estimate saying the car needed a new engine, please note I paid XXXX for the XXXX. Again warranty doesnt cover it so i have to call my insurance agent, they requested I call the insurance agent right there at the mercedes XXXX department XXXX insurance agent gave them XXXX estimate, after a day, insurance agent calls backs saying he went to mercedes- per service XXXX request to visit. a few days later - i was presented with a XXXX approx estimate to pay mercedes from my insurance agency. I believe both companies committed fraud.
09/10/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	MO 631XX	Web	Older American
I purchased a XXXX XXXX XXXX XXXX, under the lease program with Mercedes Benz Financial Services in XX/XX/XXXX. At the end of my lease I turned the car into Mercedes Benz dealership, and purchased a new XXXX in XX/XX/XXXX. The dealership requested a pay off amount for the XXXX XXXX XXXX which was being traded for the new car I had purchased. Mercedes Financial Services sent the dealership the payoff required with the full dollar amount needed to complete the transaction on the old car. Three months later, MBFS sent me a bill for over {$6000.00} dollars on the old car I had just traded in, in order to purchased the new car. I was affected by COVID 19, and do not have the money to pay this debt, which should have been included in the payoff request made by the dealership. MBFS has also submitted a balance on this account, to all the major credit reporting agencies, on a car I do not have anymore. MBFS as set out to ruin my credibility on a car I have never been late on the entire time I've owned the car. I have never had a late payment on this automobile. The car dealership asked for the full payoff on the car, so I would be completely done with that car. I would like MBFS to show zero balance on this trade line at the major credit agencies.
08/05/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	WV 26508	Web
Over the past couple weeks I have been trying to get an auto loan. However almost every single bank has turned me down without even a counteroffer, just a denial. I have no idea why this is because my credit score is not awful its like a XXXX and I dont owe anyone any money so my DTI and my credit usage are both 0 %. So there is no reason for me to not be able to get an auto loan, Ive never had any issues up until I returned a car to XXXX XXXX XXXX where Im convinced they have put something on a portion of my credit that I am unable to see but the banks can and thats why Im getting denied like I am. I have bought over 15 cars since Ive been driving and Ive done no money down with worse credit and gotten approved but now I dont wan na do money down but I just get denied over and over, even from places that have approved me before with no or little money down and it didnt start until I dealt with XXXX XXXX XXXX XXXX This is causing me serious financial issues because I can not work without a car, and Ive tried every type of car and dealership and even the dealerships are confused as to why the banks arent countering with a down payment amount or different terms or something but they arent. Something is not right and I want it fixed.
08/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90062	Web
On XX/XX/18 I visited XXXX XXXX to get my routine service done to my vehicle. Upon waiting, a salesperson asked me would I be interested in learning about other options. I said yes and he asked me for my current vehicle information. He said he would run some rates and would not pull my credit report. I decided to not move forward on any vehicle however the next day I see there was a hard inquiry on my credit report from Mercedes Benz Financial Services. On my credit report it states XXXX LA and Mercedes Benz FS which are the same entity. There are several other hard inquries from my previous lease from both XXXX XXXX and Mercedes Benz Financial Services which are the same entities as well. In total, there are 4 separate inquiries from Mercedes Benz Financial Services and there dealerships, two which are two years old. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court ordered or requested by a state or local government agency in relation to child support. I never gave the recent entity written approval to pull my credit on XX/XX/18 and I would like them removed.
10/17/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33147	Web
i purchased a certified XXXX XXXX with XXXX miles, XXXX miles later the engine needed a full replacement. they didn't want to honor the factory warranty which is good until XXXX they claimed the vehicle had been flooded meanwhile it was a mechanical failure. my insurance paid {$20000.00} for the new engine and i paid {$2000.00} deductible. the car never had enough miles for a service appointment. fast forward three months later with a new engine that has 2 years warranty, the car experienced the same issue now with XXXX miles more, still not needing a service appointment because it had not reached enough miles for an oil change. they claimed the same issue once again to not honor the warranty ( s ) neither the factory warranty or the new engine warranty. this time around the cost would be {$14000.00} with a {$2000.00} deductible. my insurance is stating it is a mechanical issue and not flooding, i contacted Mercedes Benz USA to have them buy back the vehicle and they refused not stating a reason why. the car has been in my ownership 7 months and has required over {$36000.00} in repairs not covered by them and the vehicle value is {$52000.00} at this rate i will end up paying for this vehicle twice because it is a LEMON
03/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95476	Web
On XX/XX/XXXX, I traded my car in with XXXX XXXX of XXXX XXXX. Prior to that I obtained the payoff and the company policy for selling leased car to another dealership. XXXX submitted payment to Mercedes Benz on XX/XX/XXXX for the full amount to payoff the car that included the last two payment left on the lease. Mercedes cashed the check on XX/XX/XXXX. Meanwhile, they continued to show my account as delinquent. When I contacted them, they told me that they had an update on their computer system and my payment will show as soon as that's completed. A week after, I started receiving calls from Mercedes about being delinquent and letters threatening repossession. I called again and asked to talk to a supervisor. He was rude and tried intimidating me, instead of listening to me asking him to look into it, because there is a cashed check for the full amount. I called XXXX and asked for their help. They contacted Mercedes and were assured that my account was credited for the full amount. I was still getting calls from Mercedes about delinquency. Finally, XXXX was able to straighten the matter out, but Mercedes refuses to delete the delinquency from my credit report with XXXX, even after I provided copy of the cashed check.
01/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 294XX	Web	Older American
Mercedes Benz Financial Services Fraud department placed a block on my account and restricting me or XXXX customer to take payments from me and removed my auto pay from my account. I called the fraud department and talk to XXXX and XXXX and they both stated I was not able to make payments to my account until its cleared from fraud. So I mailed payments to them and a week later XXXX account receivables sends them back and I call every single day to make a payment and customer services says it want let me apply any payments towards your account! Superviser from Customer Service also documented this account heavily that I was trying to pay but fraud had my account blocked and no one can make payments! So XXXX XX/XX/2023 I got a call from customer service with XXXX saying that the fraud department removed the block and now all payments are no allowed to me processed. so I made all payments and 3 payments ahead. but now they put a 30 day late of my credit file and I wasn't late and was told I wouldn't be responsible for payments until the fraud department releases the block. This is so wrong to block someones account and collect there money and then put a 30 day late on your report when they wouldn't take payments.
03/28/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 90061	Web
In XXXX I purchased a XXXX XXXX XXXX from XXXX Mercedes. In XX/XX/XXXX I decided to trade the car after an dispute with the company after getting the car serviced and then noticed parts on the car was switched or removed. The XXXX dealership denied taking parts, however, I know what features was on the car and what was not. Upon trading the car to XXXX dealership, i was informed that the Mercedes dealer owed money to me after the contract is closed, for service contracts purchased and not used the whole contract term. My complaint with Mercedes dealership started when the dealer initiated paperwork to reflect that I traded the car in XX/XX/XXXX, however, the car was traded in XXXX, on XX/XX/XXXX. If the date is not correct the amount will not be correct, therefore when I saw the error I contacted the companies in which I purchased the contracts from and requested the date is corrected. At this time I spoke to the GAP insurance company and the TIRE insurance company who both gave me a quote of the amount i should be refunded. The total amount between the two companies was over {$1700.00} dollars. Mercedes Dealership sent me a check for {$1300.00} and I have not cashed it because the amount is not correct. .
09/18/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IL 60628	Web
I started a loan with Mercedes Benz in may of XXXX for a XXXX XXXX XXXX for about {$38000.00} XXXX of XXXX my truck was stolen & never recovered so my insurance company said it was total lost I only owed {$6000.00} on the vehicle XXXX paid Mercedes by sending them a check they kept saying they never received the check so XXXX sent it to Mercedes again now they start to say they received the check but the account number wasnt on it but they clearly knew the check was for me due to my insurance company also the amount. XXXX sent them another check with the account number overnight I was told they received it. But they never stop calling me and harassing and sending me letters saying I owe them money. They did not pay attention or read the notes that the truck been paid off almost 3 months ago they were contacting me about the old checks that had been canceled because they were saying they never received it. I never been late or missed a payment not one time and this had caused issues with my credit report also it has been very stressful and I feel harassed I already lost my vehicle than they put more stress on me I had gap insurance also and they never paid me the money that I was supposed to be issued back
06/03/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MA 01843	Web
On or about XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dealer # XXXX a representative of Mercedes-Benz was assigned to extend credit to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, took willful and knowing adverse action on XX/XX/2022 denying me the RIGHT ( credit ) by not making available my consumer credit under my open-end consumer credit plan available to me for personal use to purchase a XXXX XXXXXXXX Stock No XXXX as advertised. I provided the President of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and Business Manager, XXXX XXXX the requirements and procedures under the Federal Laws of Truth In Lending and Equal Credit Opportunity Act under 12 CFR part 1002.2 and 12 CFR part 1026. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ignored the opportunity to remedy the adverse action which they are in willful and knowing violation by denying me my right pursuant to 12 CFR part 1002.2 ( c ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and their employees, agents, successors or assigns have ignored all of my notices regarding this consumer credit transaction. I will move forward to Arbitrate by the Federal Arbitration Act under 12 CFR part 1040 if they continue to discriminate against me. Please see attached evidence.
02/28/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	OH 44120	Web
The worse dealership experience I have ever had, and I've been driving since I was a teenager. When I purchased this vehicle ( gladly with a witness ) I told the salesman how much I drive ( numerous times since we were discussing a lease ). Fast forward 6 months later of a supposed " brand new vehicle " and XXXX miles later battery and engine issues. To which I'm basically told is going to keep happening. Tried numerous times to reach out to mbusa, Mercedes road side, and the dealership to be hung up on, lied to or ignored. I finally towed the vehicle up there and went directly myself since no one cared about my problem and made it clear I wanted to return the vehicle this is not what I pay {$850.00} a month for. They forcibly put the vehicle into " repairs '' against my consent, then when it reached the point of me having to make a scene to actually be heard they want to tell me I have to pay {$10000.00} to return the piece of XXXX they lied about and sold to me. I left the vehicle there since they forcibly put it in " repairs '' without my consent and contacted my attorney to update him on the matter. Run from here as fast as you can! I'm glad I recorded my whole interaction with the lying scammers.
11/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93021	Web
I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. Account Information : MERCEDES BENZ FINANCIA XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. MERCEDES BENZ FINANCIA XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. As such, I request your cooperation in rectifying this error as soon as possible.
05/15/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	AZ 85050	Web
In the XXXX months that I have had my car loan through Mercedes Financial, they have misapplied my payments in at least 7 possibly more of the payments. I have called, written and received promises from MBFS that this would not happen again and yet it does. They have assured me that my account will be checked, but then I receive phone calls, and as of today my account is showing delinquent, and I received mail trying to collect a debt already made. The payments are made timely from my bank, I use online bill payment so that I can retain a clear record of the process and item that is processed. On several occasions Mercedes admitted that they improperly posted these payments to other accounts adding a zero even though the check and account number are correct on the check sent to MBFS. I do not want to have to follow up on Mercedes each month to ensure they correctly post to my account. Last weekend seeing the account is showing past due, I called MBFS to obtain an email address where I could send a note. On Saturday, XX/XX/XXXX I sent an email but to date have not received a reply. I did however receive a collection letter distributed on XX/XX/10. I have copied of all cleared checks if needed.
12/14/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30328	Web
Refusal to accept tender of payment. I have attempted on several occassion to fufill any financial obligation with Mercedes Benz FinanciaL. My attempts to tender payment have been met with refusal. I have attached proof of the attempt to tender payment as well as proof received by Mercedes Benz Financial on XX/XX/2023, which was my last attempt. My account is still showing a negative balance as of XX/XX/2023. According to UCC section 3-603 tender of payment-a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. In addition according to Mercedes Benz Financial XXXX document on securities and exchange commission, Article Four in reference to Satisfaction and discharge.
08/12/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	FL 331XX	Web
I leased a new XXXX XXXX through Mercedes Benz Finance. I set up auto pay to be sure the payment was never late. I paid on time for 24 months the term was 24 months. The vehicle was a gift for my aunt, at the lease end she turned it in. I wasn't aware of the lease turn in fee or property tax. Three months later i receive an alert from privacy guard saying i have a charge off for this lease. I contacted Mercedes to ask why wasn't i notified, and why didn't you charge the account you charged the previous 24 months. The answer was we sent a letter, the letter was to a previous address. I asked them if the letter was returned to sender, they said yes.The answer to why they didn't charge my account that was set up on auto pay was, they cant for the turn in fee or tax. Now after paying 24 months on time my credit score dropped 150 points. It should be illegal for companies to report you as a charge off if they don't have confirmation you received an invoice as well as the mail was returned to them. I paid the invoice to the collections company, i was told Mercedes would still report as paid in full late. Not paid as agreed. A gift for my aunt turned into bad credit. It doesn't seem fair.
01/13/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	NY 10024	Web	Older American
On XX/XX/21 just prior to the expiration of my lease ( on or about XX/XX/21 ), I mistakenly paid an extra {$1000.00}. When I discovered the error, in XXXX, called Mercedes-Benz Financial Services ( MBFS ) and was told that the Mercedes dealership XXXX which purchased the vehicle, got a credit for my overpayment and I should recover the money from them. The dealership denied that they received the credit and told me they had paid the buyout price reflected in my lease. I went back to MBFS and at the beginning of this month spoke to XXXX. ( Note : Hold time before reaching a human at MBFS has always been at least 45 minutes. ) XXXX XXXX was at first perplexed but did in fact call me back to say approximately half of the overpayment was applied to personal property tax, but he needed to do further research to figure out what happened to the balance and that he would call me again. He didnt. I just spoke to another woman at MBFS. She told me that the notes on my account indicate that I am owed {$490.00}. I asked when I should expect the refund. She put me on hold while she called customer service and then politely told me that the account was closed and I would not be getting my money back.
07/26/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	NJ 088XX	Web
- I have converted my lease vehicle into my own three months before lease end date. - Sales dealer accepted a deal for XXXX including tax and all remaining payments in my existing lease. This is how all deals work when you try to convert a lease vehicle into your own, the Sales office will provide a quote based on the current payoff amount of your car. - We agreed and bought a vehicle. - Now the problem is Sales Manager ( dealer ) failed to pay all my payments to my current lease instead he paid only two payments. He was saying the contract is written in that manner, I checked all my contract papers. It is nowhere mentioned that I'm converting my lease vehicle into new. And also there is no financial document to say what is my current payoff amount and how much the dealer agreed to pay the existing lease. - Initially they paid two payments, they didn't ask Benz Financial services to remove turn in fee and extra mileage. I have called multiple to remove that as well. - I felt I have been cheated in this deal by not providing proper information, one payment which I need to pay to their own financial company and also my own car itself sold to me as a used car with my knowledge.
08/08/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	MD 21239	Web
Hello, I reached out to my lender Mercedes-benz financial in XXXX of XXXX and explain how I had XXXX and was XXXX and explain to them that I was going through a financial hardship and they explained to me it was nothing they can do about it they have already gave me the amount of extensions that they could and I completely believe this is unfair so I would like to exercise my consumer rights section 1026.23 ( a ) 1026.23 ( b ) 1026.23 ( d ) right of rescission section 125 is good for three years. vehicle is already paid for by my Social Security number so technically Im paying for this vehicle twice which is against the law. They also broke the Consumer law with 15 US C1662B no down payment too much I paid one. They also broke the law with 15 US C1605 the termination of finance charges finance charges I have been misled by his company and taken advantage ofThis company has forced me to use my personal information for a vehicle that is my business vehicle which they shouldve just use my XXXX number only I need someone to look into this matter immediately I have dealt with this company for a long time and Im truly traumatized define out how they Took a vantage of my consumer laws.
09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33134	Web
I am submitting this complaint against Mercedes Benz, regarding the incorrect information on my credit report on the outstanding balance and reporting payments for lease. In XX/XX/XXXX, I began my four year auto lease with Mercedes Benz. In XX/XX/XXXX during the COVID-19 pandemic, my vehicle was stolen and it took XXXX months to recover the vehicle. Due to COVID-19, Mercedes-Benz financial services agreed to defer my payments for two months. Lease ended in XX/XX/XXXX and vehicle was inspected at home and turned in with a XXXX balance. Months later Mercedes-Benz Financial reported a {$6100.00} debt to all credit bureaus. Mercede-Benz is still claiming that I have this vehicle and requesting payments for the lease to the credit brueas. I have been trying to remove this debt with all three credit brueas for almost a year due to incorrect information that Mercedes-Benz Financial Services is claiming. I submitted documentation when submitting the disputes, which is an official balance letter with XXXX balance that was sent to me via mail by Mercedes and copies of report. The information has not been removed and I am unable to obtain credit due to this information in my credit.
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63121	Web
An item has been furnished to my Consumer Report without my consent on XX/XX/2023. This is an initial notification to XXXX XXXX XXXX XXXX XXXX not providing me with Pursuant 15 USC 6802 ( b ) as a consumer which give me the right to " OPT-OUT ''. They have committed not only fraud but, identity theft on behalf as a consumer. I was never issued 3 disclosures in regard to any privacy notice of protecting my non-public personal information at consummation. It also violates XXXX XXXX for failure to safeguard my personal information & negligence on their behalf. Sharing my information with non-affiliated third parties/companies without my consent is identity theft. XXXX, XXXX, XXXX are non-affiliated third companies & an invasion of my right to privacy. Mercedes Benz Financial is not an affiliate with such entities such as XXXX, XXXX, XXXX, XXXX, XXXX, ETC. Sharing my vital non-public personal information is a clear violation. 15 USC 6802 ( b ) Attached is the law located on FTC government website & FTC ID Theft Report. The FCRA govern Consumer Reporting Agencies to remain fair & accurate under 15 USC 1681 Congressional Findings ( 3 ) ( 4 ) ( b ) NOT Financial Institutions.
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC XXXXX	Web
I had a Mercedes Benz Financial Services ( MBFS ) lease I took out in XX/XX/XXXX while living in XXXX XXXX, CO. The account no. is XXXX. I had a financial situation and voluntarily turned the leased car in early in XX/XX/XXXX and I stopped paying for the car at that time. So, that account went delinquent in XX/XX/XXXX and it has now been more than 7 years since the date of last delinquency. MBFS however are continuing to report to the credit agencies ( as of XX/XX/XXXX ) this is a current, paid as agreed account when when they know its been delinquent over 7 years and thus should have now fallen off of my credit reports. It appears that by marking my account as " Current or paid as agreed '' with a past due amount of {$16000.00} XXXX is trying to " reage '' my account making it look as though it hasn't been delinquent for more than 7 years -- which it has. Concerningly, on my XXXX credit report they even show false payments being made on time in XXXX to XXXX. This NEVER happened. The account has been delinquent since XXXX. This is deceptive and illegal. This delinquency should no longer appear on my credit reports and it's negatively affecting my scores.
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91601	Web
I am filing this report against Mercedes Benz Financial Services because they are filing with the credit report inaccurate information. This financial institution has been reporting a delinquency to the credit report despite me giving them my payments on time without any delays. I'm a very punctual person that makes their payments on time always and despite this fact they are claiming that they have conducted an " investigation '' and they are concluding that the delinquency is valid. In addition, they hung up the phone on me multiple times and claimed they will not remove the delinquency to protect their brand. Their brand is not of my concern because they made the error and they need to fix it. If my payment was processed by them on time I'm not supposed to be held responsible for their shortcomings. Therefore, this issue needs to be resolved and the payment that I made on time must be reported correctly. Just because they are Mercedes Benz and they have a high reputation in the automotive industry does not give them the exception to treat consumers like garbage. I make all my payments on time and they can not bring their reputation to avoid responsibility.
11/18/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 334XX	Web
I applied for an extension of credit on XX/XX/2022. I was denied and received my adverse action letter on XX/XX/2022 stating that I would not be granted any other terms or credit. The action was based in whole upon negative and inaccurate information in a consumer report obtained from XXXX in which I have disputed. That information can not be used to determine an extension of credit as it is unlawful to discriminate based on any aspect of a credit transaction that was done in a good faith effort to apply and be extended credit. I contacted customer service on XX/XX/2022 requesting the reasons why I was denied besides info in a consumer report and was told I can not speak to anyone else and the decision was final. I filed a complaint with the FTC and the report number is XXXX. I now have an inquiry on my report as of XX/XX/2022 that is not associated with a firm offer of credit from Mercedes Benz financial and never gave anyone permission to report this inquiry as I have received no credit or benefits as of XX/XX/2022. Any and all proceeds, debentures, and dividends generated form this transaction should be sent to the address listed on the application.
06/19/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92563	Web
Dear Sir or XXXX, My name is XXXX XXXX. We are dealing with some financial challenges. Yesterday ( XX/XX/2016 ) I requested a " corrected balance form Mercedes Benz financial Service ( XXXX ) XXXX due on monthly statement '' as follows : 1. Mercedes Benz Financial had issued a vehicle recovery and later cancelled, but this was very XXXX. 2. Discrepancy PAYMENT DEFERRAL AGREEMENT {$780.00} approved XX/XX/2016, which was for XX/XX/XXXX and XX/XX/2016 payments. . Also recent payments XXXX, 2016 for {$850.00} and {$870.00}. XX/XX/2016.. {$850.00}. XXXX XXXX Confirmation number XXXX XXXX XXXX, 2016 ... {$870.00} XXXX XXXX confirmation number XXXX 3. There is discrepancy in statement indicated amount owed is different form payments that have been made and processed. Mercedes Benz financial still indicating our balance XXXX which is " INCORRECT ''. We were approved Mercedes Benz Financial Services Loan service for our vehicle a PAYMENT DEFERRAL AGREEMENT which was approved by XXXX XXXX for the XX/XX/2016 and XX/XX/2016. I appreciate assistance in getting corrected balance owed to avoid any potential vehicle recovery risk. See attachment Payment XXXX XXXX
11/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY 117XX	Web
I selected a new vehicle to lease and completed all required paperwork on XX/XX/2019 at which time my credit was run with no issue. I went to XXXX on XX/XX/2019 to complete the transaction and pick up my car. Upon reviewing the lease agreement I found that my information regarding my address had been changed without my knowledge and was the incorrect address. The Credit Manager at XXXX informed me that my credit was run a second time, without my authorization, right before I came down to the dealership to pick up my car due to the the fact that he changed my address on file. I requested that he contact the credit bureau ( XXXX ) to rectify this and was informed he would follow up with me. I never heard from the Credit Manager at XXXX so I followed up with the General Manager on XX/XX/2019 via email who got back to me on XX/XX/2019 and informed me he would look into it and remove the unauthorized and incorrect credit inquiry from my report on XX/XX/2019. The General Manager followed up via email on XX/XX/2019 that he was still working with the credit department. I followed back up on XX/XX/2019 and XX/XX/2019 with no response from the Company.
06/25/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	HI 968XX	Web
I leased a vehicle from Mercedes-Benz XXXX XXXX which is financed by Mercedes Benzs Financial Services arm . As a convertible, it had an annoying drip every time it rained. The dealership was less than helpful after replacing the flashing. And I decided I would never buy/lease another vehicle. As I neared the end of my lease, I decided to buy a new/use XXXX and return the XXXX. Ultimately, it worked out that I could return it early. I spoke with the local dealership and they said I could just bring it in early as long as I made all payments. When I brought it in, they said it was in immaculate condition, which it was and only XXXX miles. They also had XXXX extra weeks to sell the vehicle. About a week later, I received a bill that included a {$590.00} turn in fee and {$22.00} early termination fee. I am sure both fees are listed on the extensive paper work reviewed XXXX years ago. But a {$590.00} junk fee on a XXXX XXXXXXXX transaction, I was shocked. It was not covered verbally at lease inception nor in person or on the phone in several calls leading up to the return ( and all parties know I wouldnt be buying or leasing another XXXX ).
07/04/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90302	Web
I have never done business with this company. I owe this company nothing. 5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
03/25/2015	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	OH 44202	Web	Older American
XX/XX/2012 I attempted to make an internet purchase of a Mercedes Benz from XXXX of XXXX MD - terms were agreed to and the car was delivered by a motor carrier designated by the dealership [ enclosed ] Upon delivery I recognized the car was not as represented by the dealership sales people - photos were carefully shown to illustrate the good parts of the car - not the ones in need of attention. I HAD DAY ONE DELIVERY ISSUES. Over the months that followed I contacted the dealership and M-B Financial in an attempt to resolve the issues. both the dealership and M-B Financial did nothing but give me lip service on why the issues were my problem not theirs. After canceling the deposits and refusing to pay for this fraudulent internet car buying experience - I voluntarily turned the car in. Was recognized as a voluntary repossession, where again despite my efforts with M-B Financial to get the XXXX-Repossession OFF my credit history - they would not help me with that either - where my credit has been badly damaged by this bogus and fraudulent internet car buying experience. Simply the worst business experience I have ever had.
12/14/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	MA 02301	Web
Received an email with attached letter dated XX/XX/XXXX from XXXX XXXX XXXX, stating that I owe them a debt for {$59000.00}. The Original Creditor was Mercedes-Benz Financial Services USA , who previously charged off the alleged debt and reported it as income. I have no contract with XXXX XXXX XXXX. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX XXXX XXXX and Mercedes-Benz Financial Services USA , about me is in direct violation of my privacy per the Privacy Act of 1974
04/15/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	VA XXXXX	Web
I have been attempted to work with XXXX XXXX XXXX XXXX XXXX, Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, President and CEO MERCEDES BENZ FINANCIAL SERVICES ) and XXXX XXXX d/b/a XXXX XXXX XXXX Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, President and CEO MERCEDES BENZ FINANCIAL SERVICES MERCEDES BENZ FINANCIAL SERVICES to act in the fiduciary capacity and act in the best interest of the BENEFICIARY ( XXXX : Banks-Beneficiary ) in this TRUST transaction XXXX I have sent the payment for settlement and closure of this account. They have chosen to still injure the beneficiary and now have damaged my property. This morning Mercedes Benz Financial Services sent someone to come steal my vehicle I am making record of how Mercedes Benz Financial Services Continues to violate Trust Law and continue to cause injury to the beneficiary. They have no provided any information, such as the on ledger and off ledger accounting, to show that they lent me anything to show that I owe them anything. By Trust law, I the benificiary have to right to request this information and the TRUSTEE should provide it on demand.
11/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NY XXXXX	Web
My account with mercedes benz financial account number XXXX have been charged an undisclosed amount of {$1500.00}. When I called up they told me it was for some attorney fees. The car was in a shady bodyshop who tried to scam me for {$8000.00} to release the car I was going back and forth with the bodyshop trying to get the car out. it took a few month time to finally settle with the bodyshop. Apprently XXXX financial was notify the situation and decided to get their attorney involved and tried to bill me for it. my account have always been on time payment and with no lates. When I called and ask them what the additional fee was for they say it was for the attorney fees. they never contacted me regarding hiring an attorney in either phone call / mail/ email. nor they have my authorization to charge that amount into my finance account. Origionally the attorney fee was {$350.00} posted on the account, XXXX month I looked it went to {$1200.00}. And today it jumped to {$1500.00}. please help me with this situation while these lenders are adding unauthorized and insane amount of fees to my account
09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89030	Web
I am a victim of identity theft. I have requested a block & investigation in the following fraudulent information from my credit report. I have no idea how he theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing this due to non-compliance of the companies below and the non-compliance with the CRA XXXX and XXXX. They have failed to remove information that was affiliated with personal details and accounts that was due to identity theft and removed in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. Please remove this information for failing to validate the information, defamation of my name and for improper buying and selling of consumer personal information. XXXX XXXX Account # : XXXX XXXX/XXXX Account # : XXXX MB FIN SVCS Account # : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Please let me know if you need any other information from me to block this information from my credit report. Thank you.
01/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92103	Web
Hello, On my auto loan with Mercedes-Benz Financial Services, there is an incorrect mark on my credit report that shows I was 30 days late on a payment. This is not true. I had spoken with an MBFS associate on the phone to set my account to back to auto pay, since I had disabled it. This associate said they would do so for me. A month later, when I noticed their mistake that it had not been done, I promptly made payment - as my record clearly shows ( I have 5.5 years and 3 different accounts with them with perfect records ). I called back in a 2nd attempt to remedy the problem and get my auto pay set up, and ONLY THEN was when a different associate told me that the auto pay needed to be completed on a written form. My record with MBFS is outstanding and I hope you can help me resolve this simple misunderstanding. I was taking means necessary to rectify the situation as it was happening, but was misguided by the first employee I had spoken to. I have tried to dispute this with the company, as well as dispute it through XXXX but have this issue has not yet been resolved. Thank you, XXXX XXXX XXXX
12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92563	Web	Servicemember
I would like to talk to someone at corporate for this dispute for my current lease of my vehicle. I have sent the same information to MB Financial Services ATTN : XXXX XXXX XXXX, this is just absurd that I am still dealing with these late payment notices/discrepancies on my credit report. This is my 2nd and last XXXX XXXX that I have and will buy/lease due to these issues. Now I have to turn in my vehicle which I plan on trying to sell instead due to the issues Ive had since becoming an Mercedes consumer. Ive submitted disputes with the bureaus as told by MB Financial and now I am having to email/write to a different depart to get this corrected. I went from ( 1 ) 30 day late incorrect reporting, to ( 2 ) 30 day late incorrect reporting. I am requesting these to be removed as previous indicated and confirmed by a MB Financial customer service representative. Look back at my calls, notes from XX/XX/XXXX/XX/XX/XXXX, I need these corrected and removed at being late. Thank you and look forward to dealing with someone at a corporate level. Have a great day. This what I submitted to MB Financial.
11/09/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	CA 92584	Web
First call was on Saturday XXXX XXXX They continued to call the following times on Saturday : XXXX XXXX XXXX ; XXXX Monday they called the first time at XXXX XXXX I spoke to them and explained I had thought they would make another EFT attempt as this is my first time with an issue in over a year and half of making EFT payments. I asked how to handle this and pay. They explained if I sent a check I would avoid an additional charge of {$15.00}. I asked them to send me an email with mailing information as I have always paid directly through my bank. They said they would. They then called the same day at the following times : XXXX XXXX ; XXXX XXXX. ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX. ; XXXX XXXX ; I called them on XXXX/XXXX/16 to make payment over the phone so they would stop calling me. I had still not received email with mailing address. They then called again at the following times : XXXX XXXX. ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; I checked my bank account and the payment had cleared my bank. I continued to get calls starting today @ XXXX XXXX. ; XXXX XXXX XXXX XXXX.
03/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	DE 198XX	Web
I, entered into a consumer credit card transaction with Mercedes Benz Financial Services on XX/XX/XXXX. I used my credit card as defined under 15 usc 1602 ( l ) and there was a finance charge involved as defined under 15 usc 1605. Mercedes Benz Financial Services failed to inform me that my insurance was included in the finance charges, but it was not as defined under 15 usc 1605 ( a ) ( 5 ) and 15 usc1605 ( c ). Mercedes Benz Financial Services then took my credit and got a loan and begin to violate 15 usc 1692e, because they falsely represent the status of the debt. Mercedes Benz Financial Services violated my rights as they did not disclose to me my rights to rescission as defined under 15 usc 1635 ( a ) ( b ) ( f ). Mercedes-Benz Financial Services acknowledged the criminal liability for willful and knowing of their violations as defined in 15 usc 1611. On XX/XX/XXXX Mercedes-Benz Financial Services removed the alleged debt from 2 credit reporting agencies, leave the ruining of my reputation and defamation of character on XXXX violating 15 usc 1692d ( 1 ) ( 2 ) ( 3 ) as defined.
09/08/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	FL 33134	Web
I am submitting this complaint against Mercedez Benz Financial Services, regarding the incorrect information on my credit report on the outstanding balance and reporting payments for lease. In XX/XX/XXXX, I began my four year auto lease with Mecedez Benz. In XX/XX/XXXX during the covid XXXX pandemic, my vechle was stolen and it took XXXX months to recover the vechle and the damanages. Due to covid-19 Mercedes-Benz financial services agreed to defer my payments for 5 months. Lease ended in XX/XX/XXXX and vehicle was inspected at home and turned in with a XXXX balance. Months later Mercedes-Benz Financial reported a {$6100.00} debt to all credit bureaus. I have been trying to remove this debt with all three credit brueas for months for this unaccurate information that Mercedes-Benz Financial Services is claiming. I submited documentation when submitting the disputes, which is a offical balance letter with zero balance that was sent to me via mail by Mercedes and copies of report. The information has not been removed and I am unable to obtain credit due to this information in my credit.
11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 92040	Web	Servicemember
I am, the consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ) and 16 CFR 433.1 ( b ) in fact, natural person, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX XXXX XXXX and MERCEDES BENZ FINANCIAL SERVICES Taken an adverse action , and violated 15 USC 1681m, 15 USC 1681a ( k ) and 15 USC 1691 by not disclosing the required information about the creditor and the original creditor under the Equal Credit Opportunity Act and the Fair Credit Reporting Act./// XXXX XXXX XXXX and MERCEDES BENZ FINANCIAL SERVICES did not clearly and conspicuously make any statement about the creditor and who is extending the credit, creating false, misleading statement and representation. XXXX XXXX XXXX and MERCEDES BENZ FINANCIAL SERVICES failed to provide a statement with notice of my consumer 's right as mandated under 15 USC 1691 ( d ) XXXX XXXX XXXX and MERCEDES BENZ FINANCIAL SERVICES are civilly and criminally liable under 15 USC 1611 for failure to disclose material facts relating to this adverse action.
10/23/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30328	Web
I am writing to file a formal complaint against Mercedes Benz Financial, the organization that originally financed my vehicle. My complaint pertains to their handling of the vehicle financing, which, as per my understanding of the Security Exchange Act, has raised concerns of potential violations, securities fraud and tax evasion. My promissory note/certificate of indebtness was securitizied and the company received full payment for the vehicle. it appears that Mercedes Benz Financial received a CUSIP number and engaged in trading activities. This raises concerns that the account should have a {$0.00} balance as the debt should have been fully discharged. According to the 10k Form XXXX XXXX XXXX XXXX XXXX is the Indenture Trustee with XXXX XXXX as the respective officer. On XX/XX/2023 I sent USPS registered mail # XXXX mail to XXXX XXXX, XXXX XXXX delivered on XX/XX/2023. I spoke to XXXX XXXX on XX/XX/2023 and was given his email which was sent and shows delivered. I have not received a response as of yet and my account is still showing a balance, which again should be {$0.00}.
12/08/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease High-pressure sales tactics	FL 33314	Web
I XXXX XXXX want to submit a formal complaint against Mercedes Benz Financial. I have a leased vehicle " XXXX XXXX XXXX ''. On XX/XX/2022 I took the car to the XXXX XXXX dealership concerned with the way the vehicle was driving. I was advised that the engine was defective and the Cylinder head is gone, therefore I the consumer, the lessee is responsible to pay {$12000.00}. The fact that I leased the car should not make me responsible for such. It is obvious this is a manufacturing problem, hence this is a two year old vehicle. This was a failed resolution for Mercedes Benz and did not accurately diagnose the problem. The dealership absolutely attempted to extort money and create more of a financial burden. Furthermore perpetuating untrue statements about what was truly going on with the vehicle. I don't believe the dealership mechanics knew what the issue was concerning the car. I have been a loyal customer and don't believe this dealership is being honest about the resolution of my vehicle. Based on my research I believe it could be a spark plug issue not a cylinder head.
06/20/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 91765	Web
dates : since i got the car in 2019. My payments and validation of debt is incorrect. the contract is not a contract it is a retail installment loan and there was a finance charge and the downpayment was not supposed to be charged as I did not get any cash value for the alleged contract. My car is a lemon, its been in and out of shop. the car was paid off and a couple times and the company is engaging in mail fraud, securities fraud, trust fraud and are over charging me for this car as my social security number provides the payment for the agreement with my signature and my dad 's as he was a co signer. I need a full accounting ledger on and off ledger. I need my car refund, and a replacement car as this is a a faulty good. they charged me for insurance, and the dealer rental cars and this car has caused me harm because it is not reliable. and their is something wrong with this one it has caused me to lose over XXXX in loss of income because the car is a lemon. I asked them to adjust the account, credit ] me back and apply all overages owed to me returned in form of a check.
01/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60564	Web
I am submitting this XXXX XXXX without any influence and this not a third party I Contacted company Mercedes-Benz about an auto loan showing in my name that is fraudulent. I tried calling them 23 times and I believe im blocked now I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal social security number to compare against on my drivers license address. Mercedes-Benz is based out of XXXX, MD according to the website and this loan was opened in XXXX, MD they informed me when I live in Illinois. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through XXXX and XXXX at the time this was opened and they still opened the account.this the account number ( XXXX ) that appears on my credit report balance {$42000.00} please help me PLEASE
03/21/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 91604	Web
I have 3 car loans that reported me late the first one XXXX XXXX was reported late on XXXX and XX/XX/21. The 2nd one Mercedes reported me late XX/XX/21, XX/XX/21 and XX/XX/21 on XXXX and XX/XX/21, XX/XX/21 and XX/XX/21 with XXXX. These lates are not accurate, I have sent them letters about this problem already. I had to close my account due to fraud that the auto payments were being made from and we notified the creditor and they agreed to give us time to transfer everything over, but they still reported me late anyway. I had the funds in my account and there is no reason why I wouldn't make the payments on time. I am a XXXX and am constantly traveling so I have a manager that handles paying my accounts. How these are reporting is not correct and inconsistent. Due to the Cares act I am asking that you please have them remove these lates reporting that were not my fault. I also have a collection from XXXX XXXX XXXX from an ambulance company that does not belong to me showing on XXXX only. Please have them remove this as I have sent several letters on this matter too.
02/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	DE XXXXX	Web
I entered into a consumer credit card transaction with Mercedes Benz Financial Services on XX/XX/XXXX. I used my credit card as defined under 15 usc 1602 ( l ) and there was a finance charge involved as defined under 15 usc 1605. Mercedes Benz Financial Services then took my credit and got a loan and begin to violate 15 usc 1692e, because they falsely represent the status of the debt. Mercedes Benz Financial Services was sent a notarized notice Pursuant to the Fair Debt Collection Practices Act as defined under 15 usc 1692g. Pursuant to GAAP ( Generally Accepted Accounting Principles ) Mercedes Benz Financial Services must prove that money left their account if they gave a loan. Mercedes Benz Financial Services continued communicating violating 15 usc 1692b. ( 2 ) ( 5 ), 15 usc 1962d ( 1 ), and 15 usc 1962f ( 8 ) as defined. After such communication, I communicated with Mercedes Benz Financial Services as defined under 15 usc 1692c. ( c ) 2. On XX/XX/XXXXat XXXX, Mercedes Benz Financial Services further took action violating 15 usc 1962f ( 6 ) ( A ) ( B ) ( C ).
09/06/2021	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	NM 88310	Web	Servicemember
On about XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, MBFS report 3 missed pmts in my credit report when I had no clue that the loan was even late, my ex girlfriend is the primary on this lease and I was never informed to this late pmt!!! She called them crying because they had a repo status on this car. So she called me while they were on the phone explaining that this was due to Covid-19. I then pay the late pmts in full to catch this loan up and ask MBFS why I wasnt called when it was 30 days late. They told me that the dealership never included my info on the lease which I found to be not true as the took my info for the lease. My ex couldnt get the lease in her name as her credit wasnt good enough so they had me co-sign on the lease. I have asked them if this is the case then why did the need my info. I have called them repeatedly to remove the late pmts on my credit file as I had extremely good credit at the time and it dropped my score due to her missing the pmts. I find this disturbing as I was never informed of the late pmts but still being held responsible.
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90024	Web
I write in response to an ongoing matter with Mercedes Benz Financial Services LLC. On or about XX/XX/2023 a credit application was processed by XXXX XXXXXXXX Mercedes Benz without my consent to obtain a lease on a 2023 XXXX XXXX vehicle. The lease should have only been in my son, XXXX XXXX name. I wrote to MBFS legal, executive office, and Fraud Control, and received only one call back from someone named XXXX. XXXX advised me that she would be looking into this matter and reverting back with me. I did not receive any further response from XXXX or anyone else at MBFS. We have sent multiple follow up emails to MBFS general counsel XXXX XXXX, to MBFS Fraud Control, and they continue to ignore our request for resolution. Moreover, MBFS had locked access to this account online for my son and myself and therefore my son can not access this account to view or try to make payments, edit preferences, etc. MBFS ignores our request for resolution, and my next step is to take legal action. When I call MBFS customer service is largely incompetent and unable to assist.
07/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28079	Web
I applied for credit to purchase a vehicle XX/XX/2020. After I purchased the vehicle I received multiple alerts of several finance companies pulling my credit. Then I received multiple letters denying my car loan. I thought only Mercedes Benz pulled my credit. What triggered his complaint is when I applied for an XXXX card today and was denied by XXXX because they said I had too many credit inquiries. This is not fair because I had no control over the Mercedes dealership sending my information to multiple banks. I did in fact get the car loan from XXXX XXXX and that is the only inquiry that should stand on my credit reports. All of the other credit inquiries during that time should be deleted. The multiple credit inquiries negatively impact a consumer 's ability to obtain other credit. I am sure XXXX would like to have a new Customer that pays on time, credit score of XXXX and income over {$100000.00} per year. This hurts new companies from gaining new customers. This hurts consumers by getting denied credit based upon something that we have no control over.
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33936	Web
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY
06/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OK 73012	Web
In XXXX of XXXX, I purchased a Mercedes XXXX with a consumer loan from Mercedes Benz Financial. The loan was paid off with 2 years. I recently went to trade in the Mercedes on another vehicle only to discover the title I had still had the lien on it. I contacted MB Financial and asked them to send me another copy of it. They refused to do so without a letter and a {$20.00} fee because of " the amount of time that had lapsed since that account had closed. '' I was informed that a copy had already been sent to me. However, I provided documentation that not only did I not receive a copy, the Oklahoma Tax Commission had not received a copy. I had a printed letter from the OTC dated XXXX XXXX that the lien was still in place. I informed them that the Tax Commission required that lien releases be filed within 7 days or the company or be subject to fines. I was told it did n't matter and that I would still be required to pay the {$20.00} and request in writing the release. All of this delayed an already consummated business transaction to trade the vehicle.
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77004	Web	Servicemember
XX/XX/2023 : Called Mercedes Benz Financial to report I was incorrectly listed as a co-signer on a vehicle purchase. They said they would get back to me. XX/XX/2023 : Contacted Mercedes Benz of XXXX XXXX. XXXX, TX. They said they can not do anything to help XX/XX/2023. Contacted Mercedes Benz Financial. I was instructed to mail a letter. I mailed the letter on XX/XX/2023 via certified mail. XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2023. Reported the credit dispute to XXXX. XX/XX/2023. XXXX contacted Mercedes Benz Financial and said they would not remove XXXX XXXX as a co-signer. XX/XX/2023 : I Contacted Mercedes Benz Financial, and they said I have to wait for a response. It takes up to 30 days. XX/XX/2023. I contacted Mercedes Benz Financial ; They said I have to continue to wait. XX/XX/2023. Submitted a new credit dispute with XXXX. XX/XX/2023. XXXX said Mercedes Benz Financial said they would not remove it. XX/XX/2023. Contacted Mercedes Benz Financial. They said I would have to wait. Please see attached contract from Mercedes Benz Financial.
08/19/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	ME 040XX	Web
I have spent months trying to transfer my lease. In my contract its says lease transfer is an option. My local dealership I bought it from suggested swap a lease a third party company that helps you find a buyer to take over your lease. I paid the fee and have found 5 buyers. Mercedez-Benz financial refuses to initiate the transfer or even give a timeline when they will .they claim its because of of covid : when in fact they are selling and rolling leases over. They are just not complying with what is in my contract. They also have been taking to court several times prior to covid for this same issue. After months and several people saying no. I then after stating I seemed legal advice was able to atleast get a special consideration for this transfer : mind you its not a special consideration its in my contract! They are clearly breaching and violating my second amendment right! I have stated and given proof of buyers and they have caused each one to no follow through. I will continue this legally if not resolved and I lose this most recent buyer.
03/08/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CO 80231	Web
On XXXX/XXXX/16 I leased a new vehicle. The dealer is XXXX miles from my house so I quickly signed so that I would not get hung up in traffic. The numbers were negotiated before I arrived so I considered it to be pretty straight forward. I have been away from home so I contacted Mercedes Benz Financial Services to get my account info for upcoming payment ... I asked to be emailed a copy of the contract. When I received the email is when I saw the error in the Consumer Lending Act Disclosure box. I called MBFS again to question this. I actually had to get rude with the rep to get him to finally admit that it was incorrect, then his reply was, 'We were not at the table when you negotiated and signed this contract so you will have to take it up with the dealer.. ' Are you kidding, this is a FEDERAL DISCLOSURE box that MBFS has funded with an error. When I asked how they could possibly fund this contract he told me to take it up with the dealer. WRONG, because the contract now belongs to MBFS and they made the error by funding this incorrect contract.
07/01/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11203	Web
Mercedes Benz Financial contacted me over numerous phone calls stating that I am 30-60 days late and they need payment so that it wouldn't negatively affect my credit report. When the representative told me that, I felt threatened and extortionate to pay. I felt that the company is in violation of 18 U.S. Code 894 - Collection of extensions of credit by extortionate means which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, When talking to the Mercedes Benz Financial rep he told me that if I didn't pay they would put a delinquency remark on my credit report which was a way to extort me to pay and then a few days later they actually did punish me by submitting the delinquency remarks as late payments that is now negatively affecting my credit report and not allowing me to obtain credit. I also never gave them consent to furnish this negative information.
08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94521	Web
Someone stole my identity and it may have been an attempt to purchase a car through a dealer named as XXXX XXXX XXXX XXXX per the credit inquiry record. It appears that this dealer submitted a credit application as well as MB FIN SVCS for hard inquiry on XX/XX/2023. I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry but the information was unavailable due to the absence of the person in charge. Their finance team may have more details. I received the identity theft victim 's Complaint and Affidavit package from MB FIN SVCS, and this is for a record purpose for MB FIN SVCS. I filed the identity theft case with FTC ( IdentityTheft.gov ) for identity theft event on XXXX XXXX, XXXX. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. The hard inquiries submitted on XX/XX/2023 are all fraudulent which I do not recognize. I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry.
10/06/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NC 27703	Web
Contacted Mercedes Benz Financial Services XX/XX/XXXX after totaled vehicle. Insurance claim was submitted. Insurance paid {$17000.00} of the final balance of {$29000.00}. Vehicle warranties were cancelled which totaled {$3800.00}. Balance was {$7400.00}. XXXX GAP Warranty paid balance leaving total at {$0.00}. XXXX XXXX, warranty refunds, and GAP Warranty checks were cashed. Still, Mercedes Benz Financial Services reporter the balance of XXXX on my credit report since XX/XX/XXXX. This has caused adverse affect on my credit report. I contacted the merchant numerous times between XXXX-Present. Last contact was XX/XX/XXXX when third party credit collector attempted to collect on this false debt. I provided the detailed document to the third party collection agency and Mercedes Benz Financial Services. This has caused adverse damage to my credit score and report and has affected me from other business involving my credit file. I seek to recover monetary damages from Mercedes Benz Financial Services and the third party credit collection agency.
01/06/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	NY 10453	Web
MB FIN SVCS XXXX They gave me a late payment on account with them without sending me a bill. Since they didnt provide me with a bill i told them this resulted in a billing error, and that if i was wrong to provide me with the bill they sent me. Instead they sent me a copy of my lease contract. That was my first payment due and I also see on my contract that they took my first payment out of my down payment. So how was I late 30 days? Being that they couldnt provide me with a bill. Or proof that they sent me a bill. This results in a billing error. Them providing a contract instead of the bill they were suppose to send me and not removing the late payment is against the law and is violating my rights. The law says they can not give me a late payment on the account unless they provide the documentary evidence that i received the bill. Below i have attached what they sent me back trying to use it as the bill. But under the FCRA a contract and a bill are defined completely different. This does not meet the requirements of a bill.
12/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92620	Web	Servicemember
In XXXX of XXXX Mercedes Benz Financial Services agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.
06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA XXXXX	Web
There are a couple of accounts that does not belong to me and i want them to be remove from my credit. This are the accounts : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine. 13. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
06/12/2017	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	NY 11214	Web
On XXXX XXXX , XXXX , I tried to add a " co-lessee '' named XXXX XXXX to my loan and the Mercedez-Benz Financial Services denied such an opportunity. I was told that my co-lessee does not have a long enough credit history to obtain such loan. I think this is a non-sense. The bank should be very interested in adding a co-leaser because a co-lessee means is a secondary person. If XXXX forbid I default my co-lessee would be a secondary person who Bank could recover money from. With that being said, I will ask Consumer Protection Agency t o intervene and ask why there are such discriminatory practices against a " co-lessee '' because the Bank has nothing to lose. I want the Bank to add co-lessee, or I will have no choice, but I will return the car back to dealer and I will dispute the charges assessed through the New York City Civil c ourt. Additionally, my potential co-lessee is a sucessful business, who had businesses in XXXX and XXXX .It 's a shame tha t Maercedes-Benz denies h im to be a co-lessee.
07/19/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75032	Web
I recently notified Mercedes Benz Financial Services that they had not updated my balance with the credit reporting agencies in months. They responded to my email and stated that they would update my credit reports to reflect my current balance. Today, I checked my credit reports and Mercedes Benz Financial Services updated my credit reports to reflect that my CURRENT balance was {$53000.00} which is higher than what I even purchased the car for. I have made all payments on time and my correct current balance is a little over {$49000.00}. After MBFS updated my credit reports with this incorrect balance of {$53000.00} my credit scores dropped as much as XXXX points. I called MBFS and the agent did not understand what I was complaining about. He was very rude and condescending. It is apparent that MBFS simply does not care. How it is possible that the balance MBFS reported in XXXX 2016 is {$50000.00} and in XXXX 2016 it is {$53000.00} with perfect on-time payments? Please see attached report from XXXX reflecting this.
01/09/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 20817	Web
For the past 6 months, I have been making extra payments on my car loan ( MBZ Financial ) in order to pay it off faster. However, instead of applying my extra payments to the principal, MBZ put the extra payments into a " Credit account '' and although they modified the payoff balance ( minus any credit account ) they continued to charge me interest on the previous payment schedule. Essentially, they charged me interest on an inflated principal. I decided to pay it all ( {$5000.00} ) off to avoid this from happening. I offered to pay by credit card and make payments to my cc company. MBZ Financial said I would be charged {$15.00} for every {$2900.00} I charged. I asked them to waive it and after initially " refusing '' then " negotiating on 1 waiver '' ... they finally agreed to waive both when I asked to speak with a manager. Then I was told, use of credit card has to be recorded as a cash advance, which obviously means my cc company would charge a fee on that end. This is a blatant act of ripping off a consumer!
04/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91401	Web
I have lease a vehicle in XXXX of XXXX from Mercedes Financial Services. I never had any single late payment on this account. I have decided purchased this vehicle in XXXX of XXXX. After completely paying off this car loan it has started to report repossession on my credit report. I have contacted this creditor and they said it was reported by a system error and they will make a correction. It has been XXXX months after my last request and it has never been corrected. I have called them again and been told that because the account is already closed and they dont report it every month it can take a long time for an update. Also with this request I am sending you copy of the Payoff letter from MB Financial, Bill of Sale letter and Title Release letter. At the current moment I have this car at my possession which I am driving. Because their incorrect reporting my credit scores came down about 100 points. Right now I have to refinance my house but I am not able because my scores are suffering because of this issue.
03/11/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	NY 105XX	Web
Mercedes Benz lease was a corporate lease that ended in XXXX. A late payment was reported due to no fault of my own since they lease was paid by the company and not by me personally. This late payment is XXXX XXXX XXXX and dates back to XX/XX/XXXX. It must be removed since it is impacting my credit score. The lease balance outstanding was not charged to the lessor, the company that initiated the lease but was charged to me when the vehicle was a XXXX XXXX all electric vehicle with a lot of engineering issues and had to be flatbed to the nearest dealership each time. The break down incidents happen frequently and averaged 6 times per month. Thus, the vehicle was discontinued in XXXX and when the lease was returned in XXXX, the vehicle was scraped since it was discontinued and not sold due to frequent mechanical failures. I should not be charged the lease balance resulting in excess milages due to mechanical malfunctions since I was not the lessee. Please remove such balance fron my credit report. It is wrong.
05/31/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	CA 90024	Web
I write in response to a vehicle lease with Mercedes Benz Financial Services, LLC ( MBFS ) account number XXXX. On or about XX/XX/XXXX, I traded this vehicle in at WI XXXX XXXX XXXX and was advised that a payoff quote was received and that payment would be tendered within 7 days to MBFS to satisfy and close this account. As of todays date, MBFS is still reflecting an outstanding balance of {$3200.00} owing on this account. I previously wrote to MBFS regarding this matter, and was advised that this matter would be looked into and resolved. As of todays date, I have not received anything responsive to my request for information. Notably, a Settlement Agreement I signed along with the co-lessee on or about XX/XX/XXXX, which also mentioned MBFS as a party, stated that all disputes and issues with this vehicle ( XXXX XXXX ) would settled in full. Accordingly, I am hereby demanding that MBFS credit this account the {$3200.00} and close this account and report it as paid in full to all three major credit bureaus.
12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 191XX	Web
I recently pulled my XXXX Credit Report and discovered some fraudulent accounts had been reporting in my name. Accounts that I have no knowledge of, never done business with the originator or the collections agency. I have contacted XXXX again via written certified letter and asked to provide me information that the have the helped them come to conclusion and determined/ verifed that this debt from this particular company, " Mercedes Benz Financial Services/ partial account # XXXX '', belongs to me. I have sent them police reports and copies of my ID and an old lease of residence of where I was living when the theft/fraud occurred resulting in this account being opened. Mercedes Benz has not contact me about this debt, XXXX is the credit bureau that is reporting this fraudulent account. Years ago I was a victim of severe ID theft and still to date I'm delaing with someone who still has my personal information and trying to obtain credit in my name. I have attached the new police report I filed this year
07/22/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 33130	Web
Mercedez Benz financial Services violate my rights and also commit identity theft by providing all my personal information to a third party repossession company. A third party repo company try to take my property while I was sitting inside the car, I was illegally retain by two guys which blocked me from leaving my location. I feel like I was in jail form 30 minutes and being threatening that I will get shot by them if I don't get out the car. the repo company damaged my car and drop me up then run away because they realize I was stuck inside the car. I called the police because I taught I was being kidnap by those two unknown guys who demand me to get out my car and states that Mercedez Benz sent them to collect the car from me. I was inside the car with my family and the guys hook up the car with his repo truck. I was stuck inside my car hook up to his truck. I would like to sue Mercedez and the repo company for improper towing, they threat like a dog and I'm paranoid everytime I see a truck.
01/07/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75002	Web
While purchasing a vehicle from XXXX XXXX of XXXX on XXXX XXXX, 2020, I was told that I would qualify for 1.99 % financing by the salesman but the finance rate was 4.99 % on the contract statement and I was not notified of the change when signing the contract ( My husband & I were both there ). After discovering the rate was 4.99 % a day later, I was told that there was nothing the could be done to correct the issue. I tried to talk to the finance department manger- XXXX XXXX about this issue, and I was told that I should have come in the office right away to have the issue correctly otherwise there is nothing they could help. I believe that this is not misunderstanding since both my husband & I were there that day when we process the loan ; and I want to make sure that other consumers do not face the issue like I did. I decided to pay off the loan completely at this point and I have to pay the {$91.00} interest which I would not need to pay if I had know the the interest rate was 4.99 % originally.
12/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94544	Web
Hope this letter finds you in good health. As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. MERCEDES BENZ FINANCIA XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MERCEDES BENZ FINANCIA customer service I respectfully ask for your cooperation in removing the late payments that were noted from my account history. I cherish my good relationship with the credit card company and pledge to create a more regular and timely payment schedule going forward. I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps.
10/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30328	Web
On XX/XX/XXXXXXXX I sent a endorsed security and 1099A via USPS registered mail # XXXX to U.S. Bank Trust National Association and it was delivered by USPS on XX/XX/XXXX. I also spoke with XXXX XXXX the indenture trustee respective officer on XX/XX/XXXX that provided his email where I also sent copies. According to the most recent Security Agreemeet/XXXX filings found on the Securities and Exchange Commission official website U.S. Bank Trust National Association is list as the Indenture Trustee for XXXX XXXX XXXX XXXX . I sent both the endorsed security and 1099A so my account can be correct to a {$0.00} balance. Also the transfer agent U.S. Bank Trust National Association received my certificate of indebtness/promissory note and securitied it. Once it was securitized the company was paid in full for the vehicle, while also receiving a cuisp number and trading the security. It is also the responsibility of the Trustee/Indenture Trustee to discharge this debt according to the banking act of 1933.
04/15/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem extending the lease	NY 10028	Web
I leased a car from Mercedes Benz Financial and at the end of the lease, extended that lease month-to-month while a new car was produced. The dealership and MB financial shared that the new car would be available by XXXX or at latest XXXX. Both discouraged me from purchasing the car coming off lease and encouraged me to continue the old lease ( same monthly payment ) as it would be just a few months. Now that new car is significantly delayed ( potentially until next fall ). MB Financial is now saying the only accommodation I can have is to return the old car or continue paying the current monthly payment. I believe these are deceptive marketing and financial practices. A simple calculation of the cost of the monthly payment implies that many thousands of dollars have been extracted from me unfairly. I have been unable to reach anyone who can offer any credible solution. I believe these are unfair and deceptive marketing practices and MB Financial is being unfairly enriched through this practice.
08/18/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MO 631XX	Web	Servicemember
On this day XXXX XXXX XXXX applications pursuant to an extension of credit in the sums said {$170000.00}, {$130000.00} was submitted to XXXX XXXX XXXX XXXX and denied. We proceeded to ask the finance manager why we were denied, he then replied telling us due to whats in the report showing that we have not had a previous loan in the sums said that compares to what has been applied for and that our income is too low, and we dont have any down payment also could have led us to a denial. We then told him that we are being discriminated against, and that they are violating our consumer right to credit. And that they blatantly ignored all consumer laws that theyre governed by, which are : Equal credit opportunity act was violated, ( TILA ), Federal Reserve Act sec.16 1 & 2 saying that the application w/contract is the collateral security and legal tender, Bill of Exchange Act. Finance manager did not offer to speak with underwriting at anytime on our behalf about the consumer credit transactions.
09/13/2023	Yes	Vehicle loan or lease Lease	Repossession Notice to repossess	CA 90222	Web
MERCEDES BENZ FINANCIAL is in violation of privacy act 1974, I didnt give MERCEDES BENZ FINANCIAL Consent to report my personal information I also dont remember doing any business with this company please remove this from my report immediately, do to MERCEDES BENZ FINANCIAL violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX and XXXX other fraud has been committed under my name. Please show me where I gave Mas Financial the consent to share my personal information to these institutions. 15 U.S.C 6501-15 U.S.C 6505. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
01/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 95691	Web
On XXXX XXXX I visited Mercedes of XXXX test drove a Mercedes i made a offer to extend my credit and didn't receive what i wanted. i was violated as a consumer. I used my credit card which is what congress defined as one. My card was accessed and i received no benefits. I was discriminated against according to the equal credit opportunity act. I acted in good faith. when asked for my information back the finance manager XXXX refused to give me my information and that i needed to put down a down payment to get the automobile which is not true when you are financing the automobile. I signed the documents with a special signature. All i wanted was to purchase a car, another internet financial manager told me the way i wanted to do the process is wrong and he had been doing this ( selling cars ) for 25 years. I didn't receive a car or my documents this is not how credit transactions supposed to go!!! I was knowingly and willfully giving false information and that is honest business practice.
01/23/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	MO 631XX	Web	Older American
I have a car lease with the finance company of Mercedes Benz. To collect the Missouri Property tax, M-B finance company sends a letter indicating you can pay by check or credit card. You must call the company to pay by credit card. When you call, M-B Financial tells you that you can not pay by credit card and that your payment will be transformed into a cash advance. This immediately hits you with a 2 % to 5 % fee and interest charges with no grace period at up to 24.99 %. A credit card charge usually costs me nothing and I get frequent flyer miles if I pay charges within 30 days. Sometimes agencies like the US Government tack on a convenience fee of 1.8 % to 2.25 %. The bait and switch policy of M-B Financial would cost cost the consumer XXXX as a cash advance than a normal credit card charge. This appears to be fraud as I can not pay the required payment by credit card but only by a cash advance. It is an unfair, and misleading policy if not outright bait and switch and fraud.
04/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 77494	Web
I purchased a certified pre-owned Mrecedes-Benz XXXX XXXX in XXXX of 2022, added onto the cost of the vehicle was a prepaid maintenance package that cost {$3100.00}. In XXXX of 2022, someone pulled out of a XXXX parking lot and took the front nearly off of my vehicle. The vehicle was deemed a total loss. I never got to use the maintenance package whose sole purpose was to take care of Mercedes-Benz recommended/routine maintenance such as oil changes and transmission servicing for a period of 3 years from date of purchase. I had no issues with the vehicle besides a window being vandalized while parked on my street that was quickly repaired at Mercedes-Benz . Upon my attempt to cancel this prepaid maintenance package I was told it was non-cancellable, that it could be transferred but not cancelled. I explained I never got to use it, therefore it was not in effect yet, such as with the extended warranty I was refunded for. Mercedes refused to issue a refund for the service package.
08/24/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 92660	Web
After I retune my car and exchanged it with another MB, XXXX XXXX XXXX was supposed to payoff the over mileage of that car as they agreed on. after few months I received an invoice from XXXX XXXX XXXX that I owed them over {$1000.00}. for over milage. The dealership was saying they will take care of it and after several months finally they said as we did n't put that in the contract, I have to pay MB financial but they agreed if I pay XXXX % they will pay the balance. XXXX XXXX instead of paying it in full, they paid them a settlement amount without my knowledge which in XX/XX/2016 when I wanted to refinance I notice that they did n't pay in full and damaged my credit. there was a balance of {$260.00} was left. MB financial requested if I pay the balance they will change the report as paid in full. So I paid it off in XX/XX/2016. Still in all my credit reports it has n't been corrected and still is affecting my score and credibility. Please see attached letter from MB Financial
04/22/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MD 20878	Web
Hello, I paid off my loan with Mercedes Benz Financial since XX/XX/XXXX however, till date I have not received my title. I have reached out to them multiple times most recently on XX/XX/XXXX and was given the same run around including that it was mailed on XX/XX/XXXX. What I received in the mail specifically has a disclaimer in bold letters on top, stating that " THIS IS NOT YOUR TITLE ''. I've consistently brought this to their attention and still no resolution. On my last attempt, the rep indicated that I had to pay to receive my title. This fee was originally included in my payoff quote last year, since I haven't received what I initially paid for, why charge me again? In my family, we have a long history of Mercedes Benz ownership, and until recently Mercedes Benz have commoditized it's brand, which has led to extremely low standard, deceptive practice, and poor customer service. This is yet another horrific experience. I simply want to be done with this company!
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43123	Web
Mercedes is overcharging and saying Im late when IM NOT. Ive overpaid and multiple payments throughout the years. I have 100 % payment hstory with ALL creditors. Mercedes is illegally charging random fees now its toward the end of the lease and I want this removed ASAP. This is incorrect. Illegal. and violates Section 15 U.S. Code 1666b - Timing of payments and violations of ( b ) Billing error A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Requesting for Mercedes Late Payment and Account Removal. Requesting Mercedes to waive all extra fees that incurred for being late as Im not sure what these are and never disclosed to me.
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 322XX	Web
I sent a request to XXXX to remove Mercedes-Benz Financial Services USA LLC because of identity theft. XXXX sent me a letter stating they did a reinvestigation and verified my information with Mercedes Benz Financial Services USA LLC ( MBFS ). XXXX did not remove the information as required by 15 USC 1681c-2 ( a ). XXXX violated my rights by contacting MBFS for a reinvestigation pursuant to 15 USC 1681d ( 4 ) and 15 USC 1681i ( 5 ) ( A ). I have filed an Identity Theft Affidavit with the XXXX website and do not understand why XXXX would contact MBFS with my information ( ssn, birth certificate ) and other PII, when MBFS is the company that did Identity theft. MBFS gave my personal identifiable information ( PII ) to a third-party company who stole the vehicle from my home, which is the reason ID theft was filed against them. In addition to identity theft, MBFS has sold the alleged debt to a company called XXXX XXXX XXXX with reference number ending in XXXX.
06/06/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	FL 335XX	Web	Servicemember
XX/XX/XXXX I changed m y Lease payment due date to XX/XX/XXXX and was billed an additional {$160.00} for this change. Ever since t his change my due date has never changed and my account has shown in arrears every year around the same time. I have contacted MBFS eac h time the payment shows additional fees and after several phone calls, and several weeks later - the solution is resolved and the charges are reversed from our account. I am guaranteed this issue has been corrected and will not be a problem in the future. The following year around the same time. The same thing happens again. Charges and fees are added to our account and it takes multiple calls, and weeks to resolve. Again we receive a guarantee it will not occur. Last month the charges appeared on our account again for the additional fees. We contacted MBFS and have not received a response as of this message. Our Lease en ds XX/XX/XXXX and we will NOT be purchasing another Mercedes Benz.
05/11/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75211	Web
Mercedes Benz Financial was notified on or about XXXX XXXX that two payments ( payment was made XX/XX/XXXX ) were taken out of our account. My wife called and asked to return the extra payment that was taken out and they informed us it would take up to 10 days. On day 10 there was no money in the account so we called again. They stated that nothing had been requested and now it will take 48 hours. After waiting that 48 hours, still nothing. We then called again, and again the message was it will be in our account in 48 hours. This is after giving them the confirmation number from our bank. Again, nothing in the account. We called again and they said they needed a screen shot of the online baking deductions, so we sent that. Still nothing. I have now called twice today requesting to speak with the person we have been speaking with and was informed she was busy and I would get a call later. This is unacceptable. The money is still not in the account.
02/11/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 750XX	Web	Older American
Mercedes Benz Financial has incorrectly reported the details of an old account with them. They have done this after being advised of this multiple times and being queried by all XXXX credit bureaus at least 10 times since XXXX. This account is an old account : it first went past due in XXXX or XXXX of XXXX. The account was never brought current and the vehicle was repossessed in XXXX XXXX XXXX. Mercedes reports this as follows to XXXX as verified by all XXXX bureaus. XXXX XXXX 30 days XXXX XXXX 120 days XXXX XXXX 90 days XXXX Repossession XXXX 30 days These numbers are clearly wrong and repeated efforts to correct result in MBF continueing to report incorrectly They also report it as a Charge Off but show a balance past due of XXXX which is not permitted MBF has structured their reporting, I believe deliberately, to ensure that this account is not deleted from reporting by all XXXX credit bureaus in the correct time frame and kept on my record
11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 191XX	Web
I recently pulled my XXXX Credit Report and there are 2 listed accounts that are fraud off of my credit report and reporting negatively and fruadulently. I have never held any services or received any good from the listed creditors ; XXXX XXXX XXXX XXXX Partial Acccount # XXXX ) This account was opened in fraud by someone who used my personal information to obtain. I have been going back and forth with bureau to get any identifying information on this fraudulent auto loan. ( Names, dates, signatures, payment accounts, addresses, etc. *Mercedes Benz Financial Services- XXXX XXXX Account # XXXX ) This account was also opened in fraud. I have filed identity theft forms, and also police reports, I can not take it to the next level of legal/ court standpoint because the credit bureaus will not furnish me with any identifying information on these fraudulent debts in my name. When these account were opened I was living in XXXX XXXXXXXX XXXX
09/29/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	CA 91304	Web
Mercedes Benz financial continues to retaliate against me for someone else 's actions in which they believe a vehicle I owned was used on a car Sharing application. I have provided documentation, letters with a full explanation and evidence supporting this never occurred, yet Mercedes Benz Financial has put a flag on my name so that I cant apply For credit at Mercedes Benz XXXX. They continue to discriminate me for something I had nothing to do with and quite frankly wasn't a violation in any ongoing or former contract XXXX had with me. XXXX has provided false personal information about me professionally to dealerships in order to prevent me from being able to lease or purchase a vehicle. At no point was I ever contacted by XXXX during my XXXX ownership to resolve or notify me of a situation. I want to be contracted by someone with authority at XXXX whom I can Attempt to resolve this issue with before I take legal action for Defamation.
11/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90046	Web
I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. MERCEDES BENZ FINANCIAL XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this situation.
04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 91401	Web	Servicemember
I returned a Mercedes XXXX XXXX vehicle in pristine condition. They sent me a letter with a disposition fee ( I agreed to pay ), excess mileage of {$90.00} ( I agreed to pay ) and {$690.00} for tires which I did NOT agree to pay as I did not agree with their assessment. Furthermore, the pictures in the report I uploaded side with me that those tires were in good condition. I leased this car at XXXX miles, which means these tires were already used. They want me to replace the tires for them so they can bang more buck out of this. Then, they proceeded to report the {$1400.00} amount on my credit trying to ruin a XXXX credit score when this is illegal. They can not assess fees without an agreement outside of the contract. Contract allows them to charge disposition fee of {$690.00} + XXXX = {$780.00}. They can not unilaterally put stuff on my credit leaving me with no choice but to pay or ruin my credit when they are breaking the contract.
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91405	Web
In XX/XX/XXXX I have financed a vehicle with Mercedes Benz Financial. I have all my payments on time and XXXX of XXXX I have decided to pay off my car and sent a balloon payment and paid off the car. I have requested a paid off letter from MB Financial and enclosed with this letter so you can review and verify with MB Financial Services. After paid off the car I have pulled my credit report and noticed that MB Financial has reported reported Repossession on my credit report. I have contacted them several times and they advised me it was a mistake and it will be corrected within 60 days. As of today noting has been corrected and they did not corrected anything. I have contacted them again last week and been advised that because of the account inactive now it is a problem for them to update. Now because of their mistake my credit scores are suffering and I am not able to obtain my student loan and been denied because my law credit score.
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33134	Web
I leased a vehicle with Mercedes-Benz credit XX/XX/XXXXXXXX for 30 months, ending XX/XX/XXXX. Vehicle was paid on time during the term, during Covid-19 I requested a payment extension as I lost my job and was unable to continue making payment ts on the lease. My lease was extended for 6 months and I begun payments again XXXX of XXXX. XX/XX/XXXXXXXX vehicle was inspected at my home because lease was ending XX/XX/XXXX. Vehicle was picked up at home XX/XX/XXXXXXXX end of lease and a month later I received a letter to pay {$6500.00} for mileage after inspection and fees that didn't apply. I contacted Mercedes-Benz Financial and they sent me a letter with a XXXX balance and I have send it to the credit bureau numerous of times and they fail to remove it from my credit and is causing a negative impact in my credit unable to lease or finance a vehicle and I need this removed immediately so I can lease a car to commute to work.
02/01/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	KY 40502	Web
I purchased a certified used vehicle from Mercedes Benz in XXXX of 2021. There was an incentive in place where Mercedes would deduct {$500.00} from your first payment. When I received my onboarding materials I signed up for " Auto Pay '' to automatically deduct the payments from my checking account. I received a confirmation email from Mercedes that my auto pay had been set up correctly. I received a message today requesting that I contact Mercedes. I logged into the account and there was a message saying that auto pay had failed and that my account was now overdue. A late fee was assessed. I never received notification that the auto pay failed after they confirmed that it was set up correctly. I do not feel that I should have to pay the late charge related to their own technology issues. I have made several attempts to call Mercedes but there are excessive call hold times and I have not been able to get through to a human.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75104	Web
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer report. Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
05/01/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web
In XXXX XXXX I traded in my XXXX XXXX XXXX XXXX for a New XXXX XXXX lease. I was called by the dealership and they told me there was a loyalty program and I can trade 5 months early for a new lease. I told them there were 6 p ayments and I had excessive miles. I was told that here will be no money down and they will take care of all payments and miles. This is th e 4th tim e I have done this in the last 9 years. I signed the new contract at my home and they delivered the new car. 3 Months later I ran my credit and they are saying I owe them {$2000.00}. They first sent a letter in XXXX saying I own them {$17000.00} and I told them this was all part of the new lease. I have sen t 2 letter ( attache d ) and I have spoken to MBZ Fin, they told me the will call me back and I have never heard from them. I have left 3 messages and sent 2 letter. They are currently showing the payment 2 months late.
07/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 941XX	Web
I have filed several complaints about inaccurate reporting of my payments. The loan was paid in full and on time in XX/XX/XXXX. There are discrepancies between whats being reported to the XXXX different credit bureaus. Twice Mercedes Benz Financial Services ( XXXX ) took more than 30 days ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 70 days ) and ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 39 days ) to respond to my complaint and simply ignored the premise of the complaint. Although the account has been paid and closed in XX/XX/XXXX, upon my disputes in XXXX and XX/XX/XXXX, XXXX has marked my credit report with a payment status for XXXX and XX/XX/XXXX. It is unacceptable that XXXX continues to ignore the FCRA, refuses to answer disputes within 30 days, posts inaccuracies to my credit report and behaves with impunity despite the fact that the loan was paid in full and in a timely manner.
06/11/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NJ 07205	Web	Older American
On or about the end of XX/XX/XXXX, I brought a 2018 Mercedes benz. A couple of weeks after I brought the car home the engine light came on and the brakes starting squeaking and the car jerks when I start the car or when I am at a red light. Also I am told the brakes only start when it is cold. They start hot, cold. Who want 's to buy a car that the brakes make a horrible brake sound, when I make a U-turn or parked in between cars the brakes sounds horrible. My insurance went up because they stated it was from an auction. I called Mr. XXXX states per XXXX XXXX it was a lease, when I checked XXXX XXXX it stated as rental. I have taken it back to the dealership several times about this matter, of course, they will say it is nothing wrong with the brakes. XX/XX/XXXX my last visit I sat with XXXX the REP states the car is made to have a delayed reaction. And the warrant coverage do not cover for brakes.
02/01/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	MA 02453	Web
I just got off the phone with XXXX. I put in a complaint on XX/XX/04 with the CFPB in reference to a late payment that was reported to my credit bureau in the month of XXXX, I was on auto pay from the beginning of the lease MBFS is claiming they tried to take out the deferral amount in XXXX and that it was returned insufficient funds from chase. I sat down with my banker who printed out the last 3 months of my statements and it does not show mercedes benz attempting to withdraw any funds from my account for the month of XXXX. My banker stamped the statements to show there must have been a bank error therefore i should not have been reported to the credit bureau as late. XXXX told me to attach the supporting documents and i also am attaching the paperwork forwarded to the CFPB I hope this resolves the matter and i can remain a statasfied and proud Mercedes Benz XXXX XXXX! Thank you!
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91405	Web
In XX/XX/XXXX I have purchased a Mercedes vehicle and the finance company was Mercedes Financial Services. As of my last payment which was in XXXX of XXXX I never had any single late payments on my account. In XXXX of XXXX I decided to pay off my vehicle loan. Suddenly I have noticed that my credit score has dropped because Mercedes Financial has reported a repossession to the credit bureaus. I have contacted the bureaus and also Mercedes Financial but they could not fixed that error. Now Mercedes Financial Services informed me that it is an error but they can not fix it because the account is already closed. My credit scores came down for XXXX XXXX. My credit scores are suffering because of their error reporting and I am in a middle of purchasing a property. I have attached copy of my identification document and copy of the letter from Mercedes Financial Services about my last payment.
01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75240	Web
15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1681b - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33167	Web
Hello, My name is XXXX XXXX XXXX. I am a Consumer who currently resides at 1935 XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX did not give Mercedes-Benz Financial Services USA LLC permissible purpose , nor did a court of competent jurisdiction issue an order for Mercedes-Benz Financial Services USA LLC to furnish an inquiry to XXXX, XXXX. Mercedes-Benz Financial Services USA LLC and XXXX, XXXX. have both been placed on a Cease and Desist regarding this inquiry. Mercedes-Benz Financial Services USA LLC and XXXX, XXXX. are both violating the XXXX Act ( 15 U.S.C 6801, 15 U.S.C 6802, and 15 U.S.C 6803. Also, Mercedes-Benz Financial Services USA LLC and XXXX, XXXX. are committing Aggravated Identity Theft by transferring my nonpublic personal information without the lawful written consent of XXXX XXXX XXXX, XXXX. I, XXXX XXXX XXXX, XXXX, did not receive any benefit from this transaction.
11/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91423	Web
I am writing to formally dispute and request an investigation into the inaccurate information that is currently being reported on my credit report. After reviewing my credit report, I have identified discrepancies related to late payment accounts. The accounts in question are reporting late payment statuses, but I assure you that these accounts have been paid on time, and the information reported is inaccurate. Below, I have provided details of the disputed accounts : MB FIN SVCS XXXX I kindly request that you conduct a thorough investigation into the discrepancies mentioned above and update my credit report accordingly. The accurate information is that all payments on the mentioned accounts have been made on time, and there have been no instances of late payments. Therefore, the late payment statuses and incorrect dates negatively impact my credit score and financial reputation.
06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75115	Web	Servicemember
Returned my lease for XXXX XXXX and got new lease from Mercedes a XXXX XXXX. However, six months later I get a bill from Mercedes Benz stating my tires did not have proper thread and a scratch on my bumper etc. the bill was for XXXX, I negotiated the bill and was able to settle the tires for {$1100.00}. On my credit report for this lease it stares in comments that I negotiated out of my lease and show closed as of XXXX and negative in commentary and on my reports. This is not accurate and is offensive since I paid my lease off 100 % and was never late and I purchased a brand new lease the exact same day I turned in the XXXX lease which was in XX/XX/XXXX. My old lease that shows paid in settlement was from XX/XX/XXXX to XXXX XXXX have proof of tire settlement which had zero to do with paying my lease payment and Im attaching the negative information from my credit bureau
10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 08060	Web
On XX/XX/2022 they reported me late to XXXX XXXX and XXXX. When the company told me I had a deferral till XXXX on a recorded phone call. I had made phone calls numerous times and stated my financial hardship asking for help when they made the mistake of giving me the wrong deferral date. Not only were they giving me a hard time, but I just had a family member passed away on top of the lack of responsibility the took and its completely unprofessional. I first told them I initially had to pay money for my car which is on record at Mercedes Benz. They are illegally reporting a 30 day late payment when I was told other wise. They are in violation of the FCRA and I want it removed immediately. The lack of communication either supervisors and reps at the company is absolutely terrible. They should keep everyones records with proper information so these mistakes do not happen.
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77044	Web
Mercedes Benz has reported several accounts being over 30 days late from XXXX to XX/XX/2022. This is inaccurate. They are reporting being 30 days late even though agreements were in place for deferments and/or the account was paid before 30 days. Also, I also made Mercedes Benz aware of the repeated phones calls daily from XXXX until XXXX when the account is 2 days late. The calls continue until you have made payment. Continuous calling even though I have spoken with someone and they have noted the account. The calls continue. I informed Mercedes that this is harrassment with the repeated calls daily all throughout the day. This is also a problem when I am working with my employer when the phone keeps buzzing all day. Emergency calls can't get through to me because Mercedes have calls on automatic until you make a payment, no matter if you spoke with a representative.
02/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 432XX	Web
I have requested validation of debt from Mercedes Benz Financial Services from XXXXXXXX XXXX XXXX, which is reporting inaccurate and incomplete credit information in a file maintained under my social security number. I respectfully requested proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. Under the fair debt collection practices ( FDCPA ), I have the right to request validation of debt. This is a clear violation of the fair credit reporting act, violation of the fair debt collection practices act and defamation of character. Mercedes Benz Financial Services has failed to provide validation within 30 days and I demand that all references to this account are deleted and removed from my credit file. This issue has been going on for months and is causing undue stress. I look to have this matter resolved promptly.
11/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33160	Web
This is a complaint against MERCEDES BENZ. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
01/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NY 14612	Web
On XX/XX/22 and XX/XX/22 I went to the Mercedes Benz of XXXX XXXX XXXX with a pre approval from XXXX XXXX XXXX. I informed the dealer of this, although they are a participating dealer they didnt seem to understand this however I think that this was a tactic to get me to apply through Mercedes Benz for a loan. I informed them I didnt want to apply for any other car loans as I already had a pre approval. The finance manager submitted my credit application to several car loan companies without my agreement. I specifically told him that I did not want to do this. I was under the impression that my credit application was only going to be submitted to XXXX XXXX. As a result I have a number of inquiries on my credit file. I would like for them all to be removed : Mercedes Benz Financial, XXXX XXXX XXXX XXXX and XXXX XXXX loan applications were submitted without my knowledge.
11/05/2022	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	FL 33069	Web
Hello Customer Relations, This letter is in reference to a late payment with the account number XXXX Last month XXXX due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payment I was simply financially not able to pay my bills. I have since gotten back on my feet and brought my account up to date with your company. I am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. Sincerely, XXXX XXXX
08/28/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	TX XXXXX	Web
I leased a mercedes benz back on XX/XX/2023. The car was deemed a lemon by the dealership 4 days later. The dealership advised me that they will reach out to their corporate HQ for resolution and made my car payments until they had an answer. XXXX XXXX XXXX is an insurance company for mercedes paid off the vehicle today and gave me a refund of my down payment of XXXX. They advised me that Mercedes Financial services also sent them a check of XXXX for the vehicle. Mercedes benz Collection unit has this information in their system however they want me to send them either the payoff of XXXX or XXXX to bring the account up to date. They see in their system that a payoff check was sent by their own company. However they warned me that they will report me negative to the Credit card reporting agency. I asked for a supervisor. However they advised no one was available.
07/18/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 75002	Web
In reference to complaint XXXX against XXXX, this case should not be closed. XXXX correctly pointed to a misallocation of funds on XX/XX/XXXX, but failed to mention that the allocation was reallocated from my account on that same day. I have attached an additional screen print of the misallocation and reallocation of payment received in the amount of {$580.00}. The original document is attached in the to XXXX complaint. I have highlighting the aforementioned in this new attachment. In addition, on XX/XX/XXXX, there is a reallocation of funds for {$140.00} with no corresponding initial payment received. XXXX erroneously removed money from my account but never credited it back, as shown in the highlighted attachement. XXXX response does not correlate with their own accounting. Im implore you to reopen this case and have them provide a detailed explanation.
10/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92127	Web
on XXXX applied for finance on XXXX XXXX from MBFS.com. As part of approval - I had to submit an autopay form - with all my details - and a cancelled check. The lease was approved and I got my vehicle. Early XXXX I got notification that my credit score dropped with 85 points because I was 3 months in arrears with MBFS.com When I contacted them - they apologized - the NEVER loaded the autopay. I did not realize that the autopay was not collected. I paid immediately for all arrears - and asked that they remove the remarks from my credit score ( AS I SUBMITTED MY AUTOPAY DETAILS - AND THEY DID NOT ATTEMPT ONCE TO COLLECT IT ). They are impossible to work with. They can not send me any information - or instructions on how to solve this. They are not willing to help. I can not believe that THEIR MISTAKE is costing me. They need to solve this immediately.
07/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 360XX	Web
My dispute has not been resolved. No one is looking into the way the payments were applied or allocated. Instead they are only validating that I recent a default letter. As of XX/XX/2022, my account was completely current. The payment history shows that my account was not even 30 days late. Theres also late fees that were removed as a courtesy that has been applied to the account as well an mysterious insurance rebate termination. I will resume consulting with an attorney at this point. As representative from the redemptions department by the name of XXXX reviewed my account with me. We were on the phone over 2 hours. She saw something on the account that raised a concern. XXXX as well as a team lead reviewed the account together and both were in agreement that something has went wrong! I was told that the account department would be notified as well.
07/16/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	OR 97006	Web
I went to Mercedes Benz of XXXX to initiate a consumer credit transaction. They ran my credit and told me I had a XXXX credit score. But they can not get me approval. The dealer ship is under Truth in Lending 15 USC 1601. Truth in lending clearly states that I have a open ended credit plan. Mercedes ran my credit card and after was acting adverse to my interest in purchasing 2021 XXXX. All I need to give them is my signature. I gave them credit and got nothing in return. Mercedes is in violation of truth in lending. 15 USC 1602 j states that I the consumer, original creditor have an open ended credit plan. Now why would Mercedes act adverse to me after I gave them credit. Mercedes is now impeading on my ability to provide for my son. 15 usc 1681m clearly says nothing about denial of credit. Because I am the original creditor. I extened credit to Mercedes.
12/14/2023	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	GA 30328	Web
Violation of comsumer rights - On XX/XX/XXXX I received notice of intention to repossess from dated XX/XX/XXXX. Mercedes Benz financial does not have the right to repossess my vehicle vin # XXXX. I sent notice to Mercedes on XX/XX/XXXX revoking their right to repossess attached here. I also did a certified search with the state of Georgia and there is no lien against my vehicle vin # XXXX certified copy attached here. According to Mercedes Benz Financial Prospectus document they are fully aware of the laws regarding the Uniform Commerical Code attached here. Futhermore they do not have the right to repossess because I have a lien against vehicle Mercedes benz XXXX and vin # XXXX filed in New York State Department of Uniform Commerical Code on XX/XX/XXXX. This lien is still active in thier system until XX/XX/XXXX, file # XXXX proof attached here.
04/13/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 92618	Web
MBFS website changed its platform autopay after my lease I was given INCORRECT Instructions on setting up the new autopay protocol. When my autopay lapsed I was not contacted via phone call or voicemail or email to notify me of the late payment. By the time I was finally contacted by phone regarding the issue the payment was already past 30 days late, at which point I paid my account in full. I was assured many times over phone with the MBFS customer service that my account would be resolved and not reported due to my o time payment history - I spent weeks providing records with no receipts on their end by fax. After endless phone calls and faxing that promised this would be removed and removed from record on their end, the claim was denied with no explanation despite my perfect payment history and promises made by CS that this was their fault.
12/05/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 94611	Web
Mercedes-Benz Financial Services, the lender, originated a loan in XX/XX/XXXX for me, the borrower. The loan amount is {$34000.00} with a term of 66 months and an interest rate of 2.99 %. I called the customer service department of the lender in XX/XX/XXXX and questioned the calculation of payments but was told that they were all accurate and correct. This month ( XX/XX/XXXX ) the loan has been fully repaid. In total, the borrower has made payments of {$37000.00}. Of that amount the interest payment is {$3200.00}. Based on the loan amount ( {$34000.00} ), term ( 66 months ) and interest payment ( {$3200.00} ), the lender has actually charged the borrower an interest rate of 3.28 % rather than 2.99 % of the loan agreement. I am here to file a complaint that the lender has misrepresented the loan and overcharged the borrower for interest.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web	Servicemember
MY CREDIT WAS PULLED WITHOUT MY PERMISSION AND ACCTS ARE LISTED THAT I HAVE NO RECOLLECTION OF. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES BENZ FINANCIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES BENZ FINANCIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33025	Web
My father purchased a car for me in XX/XX/XXXX. I did not cosign for the car. The car never once was reported on my credit report until XX/XX/XXXX when my parents filed for Bankruptcy. The car was repossessed and I am assuming that since my parents did not include the car in their BK filing, that XXXX XXXX had to hold someone liable for the car, which was me. Why did they take 10 years to report this car on my credit report AND they report it as a delinquent account. What happened to ALL of the on time payments made for years? Why was that ever reported on my credit report, since they deemed me liable? But NOW, I am liable, so they decide to place it on my report as a delinquent collection account. Not right. Not fair. I was JUST in the process of buying a home and then this account came up and put a long pause on me buying a home.
11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 303XX	Web
Mercedes Benz Financial Services is reporting an erroneous late on my credit file. I set up my account with auto pay as I do with all my accounts to avoid any late payments and when I checked my credit file I noticed a XX/XX/20 late. When I noticed this late I called and paid it immediately and even paid a couple month in advance to make sure this issue never happened again. XXXX did not notify me of this late until the late notation had already been reported to my credit file. As a customer who makes ALL of her payments on time this was very disappointing because I had no idea of this late until it ruined my credit. If I would have known there was some sort of issue with my auto draft I would have fixed it to avoid this late notation. I am asking that you please remove this late as a one time courtesy for your long time customer.
02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21239	Web
I purchased a vehicle from Mercedes in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business XXXX in number but its on my personal credit report.You have XXXX separate entities for a reason I was told that Mercedes will just do XXXX hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. Mercedes also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report
06/18/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 32829	Web
During my duties as a Vice President of XXXX, XXXX, a construction company on XXXX XXXX, XXXX of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of Florida. In many occasions I requested to Mercedes Benz Financial to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. I am requesting to Mercedes Benz Financial to remove any negative information on my credit report.
09/18/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	OH 44121	Web
In correspondence with my last complaint, i stated a down payment was illegal. A down payment is not illegal HOWEVER a downpayment in a transaction that uses consumer credit IS IN FACT ILLEGAL! so why was I charged a down payment in order to be approved to get my car. According to the laws ( see attachments below ) i should not have been charged a down payment in my consumer credit transaction. They approved me but then I was rejected simply because i did not want to put a down payment which isnt fair at all because asking for a down payment in a consumer credit transaction is TOTALLY ILLEGAL!!! i am requesting that i am given the car i applied for IMMEDIATELY with NO STIPULATIONS OR DOWN PAYMENT! If my request isnt honored upon notice of my complaint i will immediately file this lawsuit with my lawyer. Pick your choice.
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91423	Web
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX ******* XXXX XXXX Opened : XX/XX/XXXX Balance : {$18000.00}
08/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92679	Web
called XXXX XXXX on XX/XX/XXXX, to buy XXXX Car which my lease will end in XXXX, informed me will send contract to email which will include all remaining payments and residual.on XX/XX/XXXX got contract fill it and send it back on XXXX XXXX XXXX paid {$130.00} fees. XX/XX/XXXX called to ask about contract lady told me you need to pay {$2400.00} told her its included in contract she said you have to pay it, ask her if i am late she told me DUE DATE IS XX/XX/XXXX, SO I SCHEDULED PAYMENT ON XXXX XXXX XXXX my lender informed me that XXXX reported me late and my credit fell XXXX points, escrow is off.on XX/XX/XXXX SINCE XXXX XXXX TILL XX/XX/XXXX XXXX XXXX TRYING TO REACH A SUPERVISOR AFTER CALLING ALMOST 11 TIMES BUT NO HOPE, MY LIFE IS RUINED ALTHOUGH I HAVE XXXX CARS FROM XXXX FAILED TO GET ANYONE TO SOLVE MY ISSUE
02/10/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	CA 94583	Web
I bought a car Mercedes Benz XXXX XXXX XXXX from Mercedes Benz of XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) on XXXX XXXX. In the process of buying the car, I purchase the following : - 1. GAP insurance {$1000.00} 2. Mercedes Benz maintenance {$2800.00} 3. Mercedes Benz Tire and Wheel {$2400.00} 4. Mercedes Benz Extended Limited warranty {$5700.00} 5. Mercedes Benz Windshield protection {$1100.00} 6. Total of {$13000.00} of extra service On XXXX XXXX The car was involved in an accident which is 100 % could of the other party and my car was totaled, I went and file the cancellation of the extra service and requested a refund however I am still waiting for the refund and haven't received any money that I have paid. Please advise if you can resolve this issue Best regards, XXXX XXXX XXXX XXXX XXXX
09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80130	Web
Mercedes Benz stated that the payment for XXXX was never received, however XX/XX/XXXX a payment for the entire amount of the loan was sent. We did a buyout of our lease only to find out they would not except the payment. They did not send the money back to the loan company for almost 2 months even though I kept calling Mercedes to send the money back. I was under the assumption the account was paid in full which is why no payment was sent. As a matter of fact because the account showed no balance I did not have the option to pay anything because there was nothing to pay. The account was reopened by Mercedes after 2 months before the money was given back. It is not fair to say I dont pay when I didnt have the option to pay because there was no balance. I am attaching the response from the finance company as proof.
01/18/2020	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	VA 23188	Web
Mercedes has intermittingly refused to take credit card or bank checking acct payments over the phone, without forwarding to a 3rd party ( XXXX XXXX ) for routine, bi-annual tax bills on a leased vehicle. When this occurs, a large cash advance fee is charged by the card because of the way it's submitted. Large Checking acct fees are usually charged by Mercedes but they're sometimes waived depending on the rep. The bills state what this may be allowed under State law but they won't say what law. This issue has been reoccurring for many yrs. Now they simple refuse to tell me what law they're referring. When I've pd by check, they often confuse this pymt with my regular monthly auto debit pymt for my lease. This is frustrating. You've tried to help back in 2016, now they're starting again. Please advise. Thank you.
12/10/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 32811	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with MB FIN SVCS with the account number XXXX and this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
09/12/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	TX XXXXX	Web
My vehicle was repossessed and redeemed/reinstated days later, along with damages and missing items. However, Mercedes-Benz has reported to the reporting agencies that the account is closed. The improper reporting has created a hardship in my livelihood making it difficult to establish credit with other businesses. In addition there are clauses in contracts stating in the event that a consumer defaults they will be compensated. This company is trying to double down and still collect on a closed account which is illegal. If they have filed an insurance claim reporting losses, my account should be at a XXXX balance. Furthermore I have opted out of consumer sharing and did not consent to the sharing of my information to the credit reporting agencies. Please remove any negative information from my credit profile.
11/21/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 284XX	Web	Older American
Someone used my information with Mercedes Benz Financial Services to receive a car in my name/ co-signer. I immediately disputed the inquiries from Mercedes Benz Financial and filed a police report and FTC report and these reports were sent to XXXX I never received a call back from them but I did contacted the investigator side of XXXX and they said oh we talked to XXXX XXXX XXXX and we stated I said it wasn't fraud! Not True! They contacted the person who stole my identity and he verified him as XXXX XXXX but it wasn't really me ( XXXX XXXX ). They removed the fraud account from my credit file and then put it back due to verifying the account with the man who stole my identity. Why would they call the mans cell number who used my information. Then they used a address in South Carolina and I live in XXXX NC.
08/31/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	OH 44515	Web
This lender has failed to release the lien on my auto title despite the loan having been paid in full for over the 30 days permitted by state law. The loan was paid off on XX/XX/XXXX, and I have made multiple requests for the clear title. I called again yesterday ( XX/XX/21 ), and was again informed that the title has not been released, with no answer of when I will receive it. This has now resulted in TWO deals that have fallen through where I have arranged to sell the vehicle, but the buyers have backed out due to not having the clear title in hand. I will be filing a lawsuit as a result. They are in violation of state law by not releasing the lien within 30 days of the loan being paid in full, and for the monetary loss I have sustained by being unable to sell the vehicle that I rightfully own outright.
10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93021	Web
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. MERCEDES-BENZ FINANC XXXX and MERCEDES BENZ FINANCIA XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30028	Web	Servicemember
I purchased a car from XXXX - XXXX XXXX through Mercedes Benz Financial on XX/XX/2021 for my business, Next Level XXXX XXXX XXXX. The finance manager told me that Mercedes Benz Financial does not report to the personal credit file with a PG unless you default on the loan. My contract shows my business name only, but they have reported this on my personal credit file when it should only be reporting to my business credit file because I have not defaulted on the loan. I called to return the car and was told that I would need to pay $ XXXX to return the car after they had already sold the car that I traded in. I explained that this was unacceptable, and if I had known this upfront, I would not have purchased the new vehicle. I also called Mercedes Benz Financial and they are not willing to help either.
03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NC 280XX	Web
In 2013 I lost my business due to a divorce. It was a great business that I had done very well at for over 10 plus years. I was unemployed for several months. I had to have XXXX on both of my feet. So I suffered a great loss of income during this time. I also owed the irs a great deal of money in sales tax. I had to pay them. I got it paid back. I had to give my car back. It wasnt what I wanted to do but I had no choice. Mercedes is continuing to report this to my credit every single month and it is hurting my credit. It has been 6 years. I just dont feel like I should have to continue to suffer from this any longer. It was a devastating time in my life. I have tried to get past it and do better. So if there is anything you can do to help me it would be greatly appreciated. Yours sincerely,
03/28/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	NY 110XX	Web	Older American, Servicemember
Nearing the end of my lease I returned my car early to a mercedes benz dealer. My agreement with the dealer was that I would pay the lease up to that point ( XX/XX/XXXX ) but not beyond. On XX/XX/XXXX I paid {$340.00} for the month of XX/XX/XXXX - XX/XX/XXXX. I turned over the car to the dealer on XX/XX/XXXX. I had overpaid my lease by 29 days. I requested a refund for the unused days, but the dealer told me to contact MBUSA financial services, who had received the overpayment and with whom I had a contract. Without my knowledge, MBUSA financial services gave the dealer the wrong end of lease price, quoting it to XX/XX/XXXX instead of XX/XX/XXXX. I requested a refund from MBUSA financial services but they refused. The result was that I had no use of the vehicle for 29 days I had paid for.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91423	Web
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/19 Balance : {$22000.00}
02/01/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 958XX	Web	Servicemember
I was behind on payments after being injured in a car accident. After a short recovery period I diligently submitted payments to bring my account current. My last payment a lump sum of {$15000.00} was sent certified mail with copies of the receipt and filled out payment coupon. The company Mercedes-Benz financial acknowledges receipt yet states that since it hasnt been fully processed my car will be repossessed. Ive contacted them and sent emails asking to speak with a supervisor yet they say theres nothing they can do and that if a tow truck arrives to take the vehicle I was advised to let them take it. I explained this is patently unfair since I have no control over the speed or delay in their processing payment. They refused to provide a written response or delay repossession efforts.
10/07/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	FL 347XX	Web
During COVID the lease was expired. The car was turned in to the dealership at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They did not provide me with any documents to turn in the car via email or by mail. Now they have increased the price by adding excessive fees and added it to my credit as if I am still in the lease with them till this day. When they got the car and sold it at the auction without reporting the savage value. Now the company made a profit off the car and they are still coming after me for excessive fees, which are not accurate. When I tried to find the vehicle history by the XXXX number it shows another car from the one I had. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/29/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NE 681XX	Web
I recently completed a consumer credit application with Mercedes Benz Financial Services on XX/XX/2020. Proof of that application is seen in the first attachment. Upon entering into a consumer credit transaction which can been seen by attachment number 2 that I never received my property. I extended credit as a consumer should and was never given any property to show proof of this consumer credit transaction. I only received an adverse action which pursuant to 15 USC 1691 ( d ) ( 6 ) only applies to insurance and employment so I am not sure why they sent an adverse action instead of the property and a breakdown of the finance charge. I am seeking help from the CFPB as MBFS has pretty much stolen my identity at this point and furnishing on my report is the result of this transaction.
01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93638	Web
I have loan with MB FIN SERVICES. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. MB FIN SVCS XXXXXXXX Date Opened : XXXX Balance : {$21000.00}
01/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92620	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, MERCEDES-BENZ FINANC add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
09/21/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 94526	Web
I was in a current lease with Mercedes, which was set to end, and I therefore leased a new Mercedes. Unfortunately, the initial ordering of the vehicle was delayed due to the auto being delivered with the wrong options. This led to a series of extensions of the lease on the Mercedes being returned. I was assured that I would not be charged overage miles because of the errors that caused the repeated extensions of the lease. However, when the new car finally arrived Mercedes established a new account, but added the old vehicle to it. The extra mileage was charged to this account and as a result, my car payments were applied to that balance and not the lease payment, as they should have been. This resulted in XXXX erroneous 30-day delinquencies appearing on my credit report.
12/08/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33009	Web
I have been a with MERCEDES-BENZ FINANCIAL customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
10/22/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33309	Web
The car was repositioned by Mercedes benz financial services on XX/XX/2018, the required payment was made on XX/XX/2018 via XXXX XXXX as requested which they were only able to locate after 8 days, meanwhile the new payment kicked in and they had me pay it even before the deadline date for the regular payment. payment was made same day on XX/XX/2018. they promised to sign the release same day. its XX/XX/2018 and non of the managers is on their desks according to the agent. XXXX the supervisor and XXXX the team leader are the only two can sign the release and they were never on their desks for 2 full days, so many voicemails left and still no response. I'm hurt, not able to work, my car is my source of income and i feel this team is attacking me personally. i seek help
12/09/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	NY 10453	Web
MB FIN SVCS XXXX My name is XXXX XXXX and i am not a third party. This company never sent me my bill for XX/XX/2020. It was my first bill with this auto loan ever. The creditor never sent me a bill so how was I suppose to know I was supose to be making a payment? Under the FCRA if the creditor doesn't provide all documentary evidence as defined under 15 usc 44 this will result in a billing error. I asked the creditor to show proof that I received the statement and they did not provide it. They are full of XXXX and forfeit all rights to collect the payment due on that bill and can not give me a late payment on the account unless they provide the documentary evidence. If it's a billing error then the enitre amount will not be able to be collected on. MB FIN SVCS XXXX
08/04/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30083	Web
a credit application was received on XX/XX/2021 by XXXX XXXX XXXX XXXX and mercedes benz financial services for a purchase for a vehicle. An unauthorized use of credit by mercedes benz financial services and XXXX XXXX XXXX XXXXXXXX when they used my credit card with open-ended consumer credit plan without any benefit to me. i notified them and they ignored my calls and told me they could not help me. the application failed to disclose notices required in accordance with 16 cfr 433.2 and the credit application was denied by discrimination as adverse action and the ceo and agents are criminally liable for damages to me and fraud upon my trust in unjust enrichment. i have preserved my consumer rights under 12 CFR 1002 EQUAL CREDIT OPPORTUNITY ACT that has been violated.
04/30/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 952XX	Web
I consumer XXXX entered into a consumer credit transaction with XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but XXXX XXXXXXXX XXXX XXXXXXXX made me purchase insurance separately.Also, XXXX XXXX XXXX XXXX Violated 15 USC 1611 ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. They are now civilly and criminally liable. all documents are included within this complaint. XXXX XXXX XXXX XXXXXXXX received the notarized original.
08/21/2017	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	TX 75287	Web
I was recently denied credit approval from Mercedes Benz Financial Services ( MBFS ) in regards to an auto lease I was looking to assume from the original lessee, in accordance with Mercedes ' lease transfer terms. No information was provided as to the reason for denial. In response, I ordered my current credit reports and scores from the 3 major credit bureaus. Each bureau lists my FICO score well in excess of XXXX, including XXXX, which listed the recent inquiry by MBFS within my credit report. Given my exemplary credit rating ( as well as annual income ), there is no credible justification for MBFS denying my credit application based on creditworthiness standards. Accordingly, this decision appears to have been made in an arbitrary and discriminatory manner.
09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80021	Web
I disputed a 30 day late that occurred on my account in XXXX of XXXX during the stay at home orders due to the pandemic. My XXXX was not able to survive and we had to shut down. My letter explained they violated the public Law No.116-136 ( XX/XX/2020 ) Coronavirus Aid Relief, and Economic Security Act or The Cares Act - Section 4021. I had called them regarding my business closing for good, and that I was having a hard time making the payment. I made the account current that very next month and still is current. They responded to my letter stating their reporting is accurate. Yes as it may be that a payment was late, but in accordance with the Law stated above they are in violation for reporting the 30 day late. I ask that it gets removed, per Federal Law.
11/25/2020	Yes	Vehicle loan or lease Lease	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30274	Web
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows :
01/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78249	Web	Servicemember
A complaint was filed on XX/XX/2018 regarding the same issue ( XXXX ) and a couple of day later I received a call from this company representative telling me that she was not able to locate any accounts under my social security or name owing {$5.00} and she was going to take care of the matter for my credit report but as of today it is still showing on my credit report. On XX/XX/2018, I went ahead and sent MBFS a money order in the amount of {$5.00} and hoped that they will fix the credit reporting. MBFS received the money order and it was cashed but my credit reporting still show {$5.00} balance keep adding late every month. A copy of the money order along with Certified Mail Receipt is attached. How could CFPB not punish a fraud company like MBFS?
03/30/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NJ 079XX	Web
I leased a Mercedes Benz ML-350 through Mercedes Benz Financial Services ( MBFS ). We also enrolled in the Mercedes Benz mbrace service for safety & security, which cost over {$300.00} per year for enrollment. The lease expired and the car was returned in XXXX 2014 and at that time, I explicitly ask if there were any more obligations at the dealer to which the vehicle was returned. On XXXX XXXX, 2014, I was charged {$310.00} to my XXXX XXXX in an automatic renewal for a vehicle that I clearly no longer leased. Mercedes only reimbursed {$260.00} as they claim the service was being used from the start of the year to when the charge on my credit card statement was discovered. How can Mercedes charge for a service on a vehicle that I clearly no longer had?
10/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30228	Web
On these dates XX/XX/2022, XX/XX/2022, XX/XX/2022 I sent out dispute letters to these companies below : They had stated that they have been verified as accurate ; but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these agencies written permission to furnish these accounts on my credit report. XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX MB FINANCIAL SERVICES Account Number XXXX
02/11/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	CA 91730	Web
I called Mercedes XXXX XXXX explain to them that want to do a buy back and the remaining I would work sometime if payment arrangements they said they can not do that I would have to come out pocket. I just bought the vehicle on XX/XX/XXXX but I did not feel comfortable with there cars after seeing that they had a recall two of the Mercedes Benz caught on fire where I live. They were parked and started on fire. So I did not feel safe. I did an early lease return on XX/XX/XXXX. I have never been late with Mercedes Financial since I been with them they report me the the credit bureau that Im 30 days pass due that information is not correct. They been calling telling asking for money when I explain to them the lease car was returned with a XXXX balance.
08/22/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	CA 92130	Web
My name is XXXX XXXX XXXX. I am a young adult XXXX XXXX blessed in the surrounding of law enforcement professionals. incident ) XX/XX/XXXX Where ) MERCEDES BENZ OF XXXX, ca Purpose of visit ) maintenance on car ( purchased through them and full price. ) Not only do I have proof of identity theft, but XXXX XXXX is happy to fax anytime the existing process my victim ID number when it came to the sales pitch of getting a ledge a debit card ( s ) consumers mistook / gave their trust & all of our credit scores dropped. ( released XX/XX/XXXX / NEWS - I wish photographs could be shared here. As a XXXX XXXX, the previous managers of MB XXXX were very close clientele of ours. I walked into one familiar face ( my service tech ) and proceeded with tuneup
12/07/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27893	Web
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXXXXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
01/30/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	GA 30252	Web
I contacted Mercedes Benz Financial/Credit Services shopping for car loan. I was told that a credit score of XXXX or lower, the default interest rate is 5.99 %. I knew my credit score was higher then XXXX. So I allowed the representative to pull my credit, suffering a hard credit pull. He quickly determined that I have several loans but all in good standing and my score is XXXX. He then offered me an interest of 6.25 %! This is outragous! That is prediatory lending! I couldn't believe it. I want Mercedes Benz to further look at my application and review my credit. I also want CFPB to look into this situation and determine if I was discriminated against. I think because I am a XXXX woman my credit inquiry was dismissed and disregarded. Thank you.
11/17/2015	Yes	Credit reporting	Incorrect information on credit report Account terms	CA 91335	Web
On or about XXXX/XXXX/2015 I applied and was denied credit through XXXX bank. The reason that XXXX bank stated for their decision was my debt to income ratio was being negatively offset by the reported monthly payment amount by Mercedes Benz To XXXX in the amount of {$4500.00} when infact and according to my contract between MBFS and I the monthly lease payment amount was for {$450.00}. The vehicle has since been turned in per the attached letter and I am no longer in possession of the vehicle. All payments made on time. There is a payment arrangement in place regarding the remaining balance of {$3800.00} for early lease turn in ( 3 months early ) and excess miles, which I 've been paying on monthly {$600.00} until paid. Related CFPB case XXXX
05/24/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 945XX	Web
I have an auto loan with Mercedes Benz Financial Services ( MBFS ). We overpay a little every month, and for a year and a half the overpayment has been applied to the principal. Starting in XX/XX/XXXX, none of our payments has been applied to either the principal or the interest. Instead it has been put into an overpayment account without notifying us ( because of overpayment next payment is not due until XX/XX/XXXX ). When I called them they told me that was their policy but could not answer why they changed it without notifying us. They could also not explain why I would be sending the payment if not to apply it to the principal and interest. They told us we would have to add a note to every payment telling them to apply it to the principal.
02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91202	Web
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and MB Financial Service. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. The Account Opened is MB Financial Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
11/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90020	Web
- XXXX/XXXX/17 I got identity theft and XXXX ( XXXX XXXX ) called me to confirm if I applied for it. I said no and they cancelled it However they did not cancel my hard inquiry and I called them back to remove this. The reps did not know how to go about this as they were unable to find my application. So they hung up on me few times which left me with no choice to contact the CFPB. I even asked XXXX to remove the hard inquiry but they were unable to. I thought this was weird too since XXXX handled it very well and quickly. Mercedes Benz also sent a declined letter of an application that I DID NOT submit. Yet they are also hard to reach to get this hard inquiry removed too. Please advise how I can get this amended immediately.
01/04/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MD 212XX	Web	Older American
Our 3-year lease with Mercedes Benz Financial on our XXXX XXXX expired on XX/XX/XXXX. We decided to purchase it and signed a loan with XXXX XXXX XXXX XXXX on XX/XX/XXXX. We were in an accident and totaled the car on XX/XX/XXXX. Mercedes Benz Financial told me by phone that they received XXXX XXXX XXXX XXXX 's payment on XX/XX/XXXX. XXXX XXXX, our insurance company, determined the car was a total loss. However, they can't settle the claim because Mercedes Benz Financial has not transferred the title. For 3 months now, I have been making payments on the XXXX that I no longer have. My husband is still hospitalized as a result of the accident and I have to drive our XXXXold truck because the insurance claim can't be settled.
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06514	Web
I have these inquiries that does bot belong to me and i want them to be remove from my credit report. XXXX 1. Identity Theft XXXX Account Number : XX/XX/XXXX This is not mine. 2. Identity Theft MB FIN SVCS Account Number : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX Account Number : XX/XX/XXXX This is not mine. XXXX 1. Identity Theft XXXX XXXX Bank Account Number : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX. Account Number : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine.
11/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS XXXXX	Web
On XXXX XXXX, 2017, I had been approved by XXXX XXXX to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my credit score and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my credit score in good faith.
02/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91604	Web
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Mercedes Benz Financial, and XXXX XXXX XXXX. The Account Opened is Mercedes Benz Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is XXXX XXXX XXXX Account Number XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 915XX	Web
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX Card, MB Financial Services, and XXXX XXXX. The Account Opened is XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is MB Financial Services Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
03/31/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	CA 91325	Web
Return the lease on time but they refused to sell the car and put too many charges and fees, according to them do to my credit score the refused to sell the car or give me another lease which its fine but they put many fees ( fees for return the lease and not getting another ; fees for extra miles, fees for small scratches in the seat, fees for a scratch in the window, fees for re stock the car ) some many fees and refused to negotiate the miles and or to give me the option to purchase the car as it- They never provide for my a detail of the charges when I sow the charges in my credit report I contact them and ask for an explanation they only gave me verbal information about the charges but nothing in write!
08/26/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 33068	Web
I spoke with XXXX from collections department at Mercedes Benz Financial Service calling on my delinquent vehicle I explained under extreme hardship at first refused to submit for a deferment! I did advise him he just begin talking to me without properly informing me that this is an attempt to collect at debt nor did he advise me the call was recorded nor did he complete full verification of who am I this is breech of private information snd he could have given anyone my information! I will be considering going forward with this matter if this matter is mot handled and straightened immediately! Nor for not having compassion for customers doing their hard ship while breaking the law is very hurtful and scary
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75165	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
10/25/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92646	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
11/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78249	Web
A Charged Off account in the amount of {$5.00}, I did not owe them any money and never received any request for {$5.00} payment. I did have another account with the same company which was paid off, BUT NEVER HAD 2 ACCOUNTS with MB Finance. I have disputed this {$5.00} Charged Off account several times with Credit Reporting Agencies but MERCEDES-BENZ FINANCE has always refused to remove it and said I owe them {$5.00} on this account. Even though this is not my account and I do not owe them {$5.00}, I sent them a money order for {$5.00} and requested them to immediately remove the account but it has not been removed yet. The other account with this company was paid off on XX/XX/2014 ( see attachment )
01/04/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	VA 22207	Web
On XX/XX/XXXX, I leased a vehicle through Mercedes-Benz Financial Services, and was sold a XX/XX/XXXX warranty with 'XXXX XXXX XXXX XXXX '. The payments for that warranty is made directly to Mercedes-Benz ( as part of my least payment ). The terms of the Warranty provides, in relevant parts, that XXXX " will pay the COSTS to repair or replace ... the tires ... due to ROAD HAZARD. ", and that " Tires are eligible for repair or replacement until the tread depth is less than XX/XX/XXXX. '' On XX/XX/XXXX, I took my car to Mercedes Benz to repair/replace a flat tire that had a nail in it. I was shocked to learn that XXXX refused to cover the replacement of my tire even though the tread depth was XX/XX/XXXX.
10/12/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NY 11510	Web
I entered into a lease with Mercedes Benz on XXXX/XXXX/15. The lease was for a 2015 XXXX. Within three months, the vehicle 's radio stopped functioning and required replacing. Seven months thereafter, the navigation stopped functioning and requires replacing. Within that same month, the engine requires rebuilding after taking the vehicle in for noise coming from the front of the vehicle and shaking. Prior to a year into the lease, all of the above occurred and I was out of my vehicle and in a loaner more than I was in my vehicle. At that point, I asked the claims management department to take me out of this faulty vehicle and place me into a different vehicle, as a means of good faith. They refused.
11/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90069	Web
I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. MB FIN SVCS XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
12/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91406	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
12/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90004	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
05/31/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33180	Web
In XX/XX/XXXX, my Mercedes, which was leased, was taken as a replacement, and in XX/XX/XXXX, I delivered my 2nd vehicle for financial reasons since I could not continue paying for the vehicles. When I tried to reach an agreement with the company, it wanted to charge me an extra surplus of what the vehicles were worth and they were taken to auction where they were sold, and the remainder of both vehicles charged to my account. affecting my credit. I understand that if you cover the gap of the vehicle, it covers any type of coverage in the future, so you should not have any type of debt. There are XXXX lease accounts, one of which is for a value of {$3500.00} and the other for {$6900.00}.
04/30/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 94066	Web
XX/XX/2020 XXXX XXXX XXXX paid off loan {$28000.00} XX/XX/2020 XXXX XXXX auto pay {$630.00} from my checking account XX/XX/2020 XXXX XXXX assessed me {$28.00} non sufficient fund XX/XX/2020, I reached out to MB customer service. They will refund the {$630.00} but not the {$28.00} assessed fee. It does not make sense to me why auto pay was activated when loan is {$0.00}. This has caused an inconvenience to me during this pandemic crisis. Per customer service I need to call my bank regarding the NSF fee. There is no justification why they won't pay the {$28.00} it was their mistake. It's not a lot of money but it's the principle. Thank you for your time and kind consideration in this matter.
03/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38125	Web
Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93638	Web
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : MB FIN SVCS XXXX Date Opened : XXXX Balance : {$26000.00}
08/23/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 900XX	Web
I am about to go the 30 days late on my loan and I have made several attempts to ask the institution to honor deferred extension due to natural disaster but they somehow expect Me to pay them Before they can assist me with the extension whereas if I was able I would need no extension.. The destruction due to recent wildfires in California has impacted the lives of many of our account holders. If you have been personally affected and are interested in assistance with your Mercedes-Benz Financial Services account, please call us at XXXX. I am in XXXX California and we qualify for this help but they want us to pay to get the help and thats just not possible under these circumstances..
08/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93021	Web
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX XXXX XXXX
03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33185	Web
I have made every attempt to have this situation corrected and remediated with credit disputes to the three bureaus -XXXX XXXX XXXX XXXX and XXXX to no avail. I have contacted Mercedes Benz and they were of no help. They advised me that they do not get involved in credit disputes and that all their credit reporting is done automatically. They suggested I dispute the item with the credit bureaus that they would not dispute the update. I have 100 % payment history on all three bureaus XXXX XXXX XXXX XXXX XXXX XXXX and Mercedes Benz reported me late or over 30 days on my XX/XX/2019 file with the XXXX agencies. This has made my credit payment history 99 % and less than perfect.
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA 94015	Web	Older American, Servicemember
I purchased a car on XXXX from Mercedes Benz XXXX XXXX. I paid cash. When I went to sign release papers the XXXX XXXX, XXXX XXXX told me he ran my credit report. I asked why? I paid cash. He said it was a check and its standard procedure. I had no options since it was already fine. He could have called bank to see if funds were available or I could have left car on lot until the check cleared. He just had me sign my paper work and never apologized. I was so mad. I plan on buying a house next year and it lowered my credit score! I complained to the XXXX XXXX XXXX XXXX twice and she never addressed. My point is he should have asked me first. I wasn't financing the car.
02/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33027	Web
I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NJ 08054	Web	Servicemember
Starting on date XX/XX/2023 I started a dispute with this company by mail, another one on XX/XX/2023 by certified mail to get a closed account of a car lease deleted off of my credit report that was paid off and closed! This account has since been reporting negative and delinquent information to my credit report and hindering my chances of being approved for anything. Since this account is closed and outdated while also being no longer collectible it should be deemed as not mines and removed immediately. I have already sent out a 3rd dispute on XX/XX/2023 by certified mail. All responses have been non compliant, I demand the deletion of this account immediately.
09/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93021	Web
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. MERCEDES-BENZ FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES-BENZ FINANCIAL XXXX Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93021	Web
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. MERCEDES BENZ FINANCIA XXXX and MERCEDES BENZ FINANCIA XXXX has been reporting late payments on my report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MERCEDES BENZ FINANCIA customer service representative.
03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02148	Web
I am aware that during the COVID-19 Pandemic Congress passed a bill called the CARES ACT which allowed temporary relief to certain debt situations. Payments that were late during that time could be marked with a special code or marked as on time but not late. Prior to my late payments in XXXX and XXXX of XXXX and XXXX of XXXX all of my payments were made on time. After the late payment in XXXX of XXXX I continued to maintain an excellent payment history with your company. I will continue to maintain an excellent payment history and ask that the 3 late payments mentioned above be marked with a special code ( due to the COVID-19 Pandemic ) or as on time.
12/25/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33068	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
12/22/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92646	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
01/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90222	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
05/15/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	AZ 85006	Web
Regarding Mercedes-Benz Financial Services Account # XXXX The original vehicle contract was to terminate XX/XX/XXXX, with 30,000 miles. Mercedes allowed me to pay for a 1 month extension to the lease, extending the contract from XX/XX/XXXX to XX/XX/XXXX. I returned the vehicle on XX/XX/XXXX, with only 23,946 of the 30,000 allowed miles used. Despite only using a portion of the 1 month extension I paid for, as well as the substantial sum of unused miles ( roughly 6,000 ), Mercedes has assessed an end of lease turn-in fee of {$640.00}. All this despite no damage or excess wear or tear. I request that Mercedes waive the turn-in fee.
02/10/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	OH 45140	Web
Mercedes Benz Financial continues to make harassing phone calls to myself and my wife at home, mobile phones and now at our places of employment. They continue to tell us that we owe a " lease termination fee '' when this payment has been made already. MBF has enlisted a debt collection agency who now is also making calls to us. Again, the fee has been paid in full. What is MOST alarming and angering, is that MBF has now called us on our direct telephone lines at our places of employment. This personal contact information was NOT given to MBF at any time and their data trolling to retrieve this contact information is concerning.
01/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92630	Web
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019 and on XXXX. XXXX, 2019, MB FIN SVCS add a hard inquiries on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
01/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 33607	Web
I have a hard enquiry on my credit report as Below : Institution Information : Mb Fin Svcs XXXX XXXX, MI XXXX ( XXXX ) XXXX I tried to call the above number, called Mercedes Financial Services and also called the Corporate. They took all my information but have lost my application. I am no more interested in the application, but i see a hard inquiry on my credit score which was irrelevant. I called multiple times to the Dealership, XXXX, XXXX XXXX but everyone kept transferring me to other lines. Mercedes services has caused me a lot of pain in this process. They lost my details, Information and on top gave a remark on my credit.
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93021	Web
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX2017 Balance : {$XXXX}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX2020 Balance : {$XXXX}.
01/18/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 77024	Web
This form of communication is being used to put XXXX on notice that I have started the administrative process and placed you on Notice. I have notified you via Mail, CFPB and Via the Attorney General XXXX Texas XXXX XXXX XXXX XXXX XXXX. You have failed to respond to my claim and you have failed to respond to the Texas XXXX XXXX XXXX XXXX XXXX in reference to case # XXXX sent to you on XX/XX/2022. Your complete disregard for me as a federally protected consumer has been displayed on several levels and you will have to correct the situation and provide me with the demanded remedy i requested in all of my unrebutted Affidavits
07/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30039	Web
I have called and emailed letters to Mercedes Benz Financial Services in XXXX and XXXX of 2017 to remove late payments that were posted to my account, and again I contacted them for late payments that were posted to the credit bureaus on XXXX and XXXX of XX/XX/2017. The payments have been removed and then reposted to my account, but for the last 2 years have been moved. It is affecting my credit score. I don't understand why the account will reflect a late payment for XXXX, and then XXXX, then will get changed from XXXX to XXXX. It also has been moved from having a late payment in XX/XX/2017, to XX/XX/2017, on several occasions
01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 191XX	Web
XXXX is reporting a fraudulent auto account in my name. Mercedes Benz Financial is stating the I owe the XXXX for an auto loan/ lease in my name. This account was established in fraud and does not belong to me. Now the credit bureau is reporting this account twice via collection and direct creditor which is making my debt to income ratio deteriorate. The account is not mines and was opened in fraud. I have sent them numerous documentation proving that I have been a victim of sever identity theft and they are refusing to help with this serious matter. I have asked them supply me proof of this debt that they are verifying ......
12/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 152XX	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, MERCEDES-BENZ FINANC and XXXX XXXX add a hard inquiries on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
04/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 902XX	Web
I have an auto loan with MB FIN SVCS. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called MB FIN SVCS and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and MB FIN SVCS with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
10/04/2018	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	MA 01923	Web
I leased a new XXXX on XX/XX/XXXX I suffered debilitating injuries from a slip and fall on XX/XX/XXXX. I could no longer afford my car cause I was on XXXX. MB financial suggest that I voluntarily turn the car in which would save me from a repossession. Now in my credit report it says that it is a charge off and that over 19k is owed. MB financial did not tell me this was going to happen. I called MB financial in regards to this and they were not helpful at all. Now I can not get a car loan or a mortgage because of this. My hands are tied and do not have the XXXX or any money to pay for a car that I no longer lease. Thank you
03/01/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 34113	Web
I moved from XXXX to XXXX in XXXX, 2021. In XXXX, I requested by email that Mercedes benz financial services ( MBFS ) provide proper documents for my car registration in XXXX. In XXXX, I provided all the information required by MBFS. Since then, MBFS didn't provide the documents for car registration. On XXXX XXXX, 2021, I paid off the loan and requested the title be returned to me. For months till today, MBFS still hasn't been able to tell me whether they lost the title or whether they will pursue for a duplicate title. Everytime I spoke with a different CSR. I could n't drive my car as it still hasn't registered in XXXX.
04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AE XXXXX	Web	Servicemember
In accordance with the fair credit reporting act, this creditor, XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose. I was never late on these accounts and they are inaccurate on the months that I was allegedly late. The bureaus have inaccuracies and contradict themselves during the years of XXXX and XXXX.
06/26/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 77494	Web
a ) My credit application for MB Financial was for {$72000.00} to buy this car but at the end of the contract they added lot of fees and charges and brought the final loan amount to {$87000.00}. b ) The finance manager talked about his vacation and all kinds of things when I signed the contract on a little XXXX where I could not read. I need reading glasses to read such small fonts and I requested for a reading glass but they said they do not have it. c ) Once I got home and read the paperwork To my surprise the total loan amount is more then 20 % of what I had originally requested with MB Financial to buy the car.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19151	Web
USC 1681, SECTION 602, I have the right to privacy. USC 1681, SECTION 604, SECTION 2, States a Consumer Reporting Agency can not furnish a report without my written consent. USC 1666B, A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. XXXX the lease is over car returned XX/XX/XXXX and they are reporting late. Mercedes Benz Financial XXXX XXXX XXXX, I paid the car off during covid and asked XXXX to remove such reportings and they said no. XXXX mortgage during Covid I had arrangements and all debt is paid and they continued to report. XX/XX/XXXX XXXX
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90069	Web
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. Below are the errors I have identified : MB FIN SVCS XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
04/22/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33025	Web
On or around XX/XX/XXXX Id purchased a vehicle via Mercedes-Benz Financial and they have been reporting my payments to all three ( 3 ) credit bureaus up until XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). In addition to my complaint, this car was paid in full on or around XX/XX/XXXX via a letter Mercedes-Benz Finance themselves. Spoke with a rep at the company and they informed me that they havent been reporting to the bureaus due to this pandemic of the Coronavirus but Im abstruse because prior to this pandemic they still werent reporting anything in regards to this account to the bureaus.
11/28/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NJ 085XX	Web	Older American
This is in connection with the resolution of my previous complaint XXXX dated XX/XX/2022 The earlier complaint was with regards to several months of delay in finally completing the end of lease purchase. The company sent me a mail asking me the compensation expected for the inordinate delay. I had mailed them the expected compensation through their secured mail as well as a normal email to XXXX XXXX who was coordinating with me on this case. After a couple of reminders and follow up, I am yet to hear from them nor have they sent me the compensation. I would like Mercedez benz compensate me as I had requested.
09/22/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MO 64030	Web
the covid pandemic caused me to need to sell my vehicle to rearrange my finances. mbfs has been paid in full and still months later shows a locator lien with the contact info for XXXX XXXX preventing me from selling my vehicle. I needed to handle some things and there actions is causing me extra financial stress. they have also incorrectly reported information to the credit bureaus which needs to be fixed along with all notes removed from all credit bureaus. mbfs was paid off early yet seek to place derogatory notes on my credit profile along with having a lien locator on my vehicle after being paid in full.
05/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NY 10473	Web
1. CXXXX XXXX is reporting XXXX an inaccurate amount balance of over XXXX dollars and its inaccurate and fraudulent. I have attempted to call and made great effort to keep the account in good stating and credit karma and XXXX XXXX keeps reporting negative status on balance which keeps my scote from moving up. This practice is on a consistent basis both blaming each othe. 2 XXXX XXXX is reporting an inaccurate account on my XXXX for account mercedez benz balance that's has not been updated because the balance is wrong. The reporting of old status must stop thus keeping my score from bring accurately reported
09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	ME 040XX	Web
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error.
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93021	Web
I have disputed these MERCEDES BENZ FINANCIAL and it has not been corrected. The following accounts are still reporting wrong on my credit report but it is already closed. These accounts have been closed however, the account payment status is 30 days late. The accounts payment status CAN NOT be 30 days late on accounts that has been closed. The account 's status is wrong and should be closed. Now, I want you to correct this misinformation on my file. MERCEDES-BENZ FINANCIAL XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, MERCEDES-BENZ FINANCIAL XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5700.00}.
02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and Mercedes Financial. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is Mercedes Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40218	Web
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any doc uments authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
10/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 87120	Web
I have an auto loan from MERCEDES BENZ FINANCIA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called MERCEDES BENZ FINANCIA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and MERCEDES BENZ FINANCIA with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
04/27/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89081	Web
Contacted Mercedes Financial. I got behind on a couple of payments. My vehicle was repossessed! I paid all the fees got the car out and been making all of my payments 2 weeks early I've asked MB Financial in goodwill to remove the mark of Repossession and the late payments and they are refusing. I'm a business owner and one of my accounts was compromised and I couldn't make the payments because I have approx 12K locked in this account. I explained that to them and they will not budge. I'm just asking for a little help because I'm trying to purchase a home. Please help with this situation please.
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30253	Web
in accordance with fair credit reporting act XXXX XXXX XXXX XXXX with Mercedes Benz Financial Usa LLC, has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A SECTION 2 : IT Also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Promptly correct the billing error in accordance with the provisions of USC Title 15 chapter 41 Subchapter I Part D Section 1666
06/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 752XX	Web
Hi, This is my 3rd time requesting this information. Your customer service representatives keep giving me the run around. May I please have the agreement that was set in place for the security interest on my XXXX XXXX XXXX? DO NOT send that retail installment agreement. That is not what I am asking for. If you are still confused what I am asking for you may have it labeled as the " Purchase agreement '' or " bill of sale '' I do not want it sent by mail because you are not going to send it out. Either email it or reply back to this complaint with it. My email address is XXXX Thank you
05/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95037	Web
Mercedes has fraudulently reported a charge-off to the 3 credit agencies for a vehicle lease contract that was satisfied in XXXX 2019. They claim there are excess wear and tear charges I am responsible for. In spite of 8 letters to them, they have failed and refuse to send any documentation to substantiate the exact nature of the excess wear and tear charges. They sent two debt collectors after me. I asked ( in writing ) repeatedly for the same information. I received nothing. They have now reported the account as a charge off and my FICO score dropped almost 100 points because of it.
02/18/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MO 64030	Web
MY CAR STINKS AND HAS A SMELLY FEET SMELL THAT WONT COME OUT DUE TO HVAC ISSUES AND LEAKAGE. I bought a used XXXX Benz in XXXX and the car kept leaking, and wouldnt start after a week. After taking the car to get checked my a shop other then the dealer who lied to me because they are the only Benz dealer in XXXX I found out MOLD IS GROWING IN MY CAR from the leak. Upon checking the internet I have learned XXXX has agreed to settlement and knows about the issue. I feel like I was cheated into buying a defective car, which is why I havent sent the payment in. XXXX XXXX XXXX % XXXX
10/19/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 924XX	Web
When I first purchased the vehicle the dealer had said I would be able to get lower interest within a few months. Then I realized that I was paying 10 % interest DAILY. which is insane. my interest charges are 10 % which I believed would be the monthly interest but it turns out its basically a 10 % interest daily. Im just XXXX years old with a XXXX loan at 10 % which to me is ridiculous. I wanted to see If I can get any sort of help because I'm only stressing myself out not only with this type of payment but also with college added on. Please let me know what I can do, thank you.
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30319	Web
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer
03/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94503	Web
Mercedes Benz USA LLC. Mercedes reported account open, " repossession ''. They've reported inaccurate information from XX/XX/XXXX to present time XX/XX/XXXX. In fact, car included Chapter XXXX Bankruptcy. I've asked three times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX remove derogatory remarks, update to XXXX balance status protected under Chapter XXXX BK. I wrote a demand letter delivered Certified USPS mail. Over 120 days to date remarks and incorrect balance reflect on XXXX, XXXX and XXXX XXXX. Mercedes need to XXXX balance, remove negative remarks ( late and repossession ).
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23229	Web
XX/XX/2022, payment of {$710.00}. Reported as a 30 days past due. This is my first time requesting the 30 days past due to be removed in my XXXX, XXXX XXXX, and XXXX Credit Bureau Report. It was my oversight that I did not pay on time due to illness and not opening the mails. My payment are up to date and I pay the past due amount. I would appreciate it tremendously if to consider my request. As of today, I am up to date with my payments, and I will be carefully attentive to my bills. Thank you so much for your consideration to this matter. Sincerely, XXXX XXXX XXXX XXXX
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89014	Web	Servicemember
XX/XX/2021 Mercedes Benz {$36000.00} this is not correct information reporting to the credit bureau. unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that informatiob
08/21/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 31206	Web
I extended credit to Mercedes Benz when I took interest in one of there cars 15 usc 1602 then they ask me for a XXXX down payment which is against the law 15 usc 1662 b and they told me I was denied for not having enough credit for the car which is also fraud 15 usc 1611 I also ask the the financial manager to get in touch with the underwriter and their lawyer but he wouldnt do it I also wrote XXXX the general manager and didnt nobody get in touch with me which is violating my right 4th or 5th amendments they also gave my information to other companies without my permission
10/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30035	Web
I opened a fraud case against XXXX XXXX for 2 accounts that are still showing open on my credit report. Case number XXXX. My last update on this case was XXXX which is over the alotted time provided. I need remedy on this case as this is preventing me from utilizing my credit. XXXX XXXX is operating fradulently as they have wrote the account off as a charge off, however, still reporting it on my credit report. I need this off of my credit report immediately or I will have to file a civil suit in my area and XXXX will to answer to why they are violating my consumer rights.
10/04/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	NY 11226	Web
I leased a XXXX Mercedes Benz in XXXX. They presented me with the contract and we briefly went over it however they failed to inform me of the {$3000.00} XXXX fee. Going over the contract today XX/XX/XXXX I noticed the fee and googled it only to find nothing about a XXXX fee. I am not sure why Mercedes Benz would charge me that fee. That is predatory lending and scamming. They an unable to explain why I was charged an additional {$3000.00}. I feel its because I am XXXX and that was my first time leasing a car. I feel discriminated against and disappointed in Mercedes Benz.
12/14/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30328	Web
Violation of consumer rights on XX/XX/23 I sent a letter to Mercedes Benz Financial revoking security interest and right to repo. They sent a letter by mail to respond stating i am claiming to have the right. I did it by mail as CFR Section 1026.23 ( 2 ) To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business.
06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20716	Web
I started sending letters to XXXX XXXX on in XXXX of 2021 regarding a credit item reporting on my credit. Additionally, I have followed up with letters in XXXX and then in XXXX as shown in the receipts. I later followed up with letters to the credit reporting agency with complaints regarding that account. To date, I have not received any follow up or information related to my request. I have attached a copy of the letters as well as the copies of the receipts. No action has been taken to validate this debt and the different bureaus are reporting differing amounts.
03/26/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	TN 38305	Web	Older American, Servicemember
In XXXX of 2017, my wife and I leased a vehicle from Mercedes Benz of XXXX, Tn. We were not advised that in the course of leasing our new vehicle we were not advised that we were being billed XXXX dollars and were rolling this amount into our lease agreement. This amount was supposedly from a previously leased vehicle which was turned in at the time the new lease was signed. Attempts have been made to discuss this problem with the dealership, with no response. In addition have filed a complaint with Mercedes Benz Financial, who is lease holder, with no response.
01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93021	Web
I have a loan with MERCEDES BENZ FINANCIAL. I have always made my payments on time. Ive contacted the company about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the accounts ASAP!!!. MERCEDES-BENZ FINANCIAL XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, MERCEDES-BENZ FINANCIAL XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5700.00}.
10/11/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08060	Web
In attempts to get the deferral with my current loan figured out every time I called in to communicate with help in regards to my loan they would say if I didnt make a payment they would impact my credit. I did not make the mistake of doing the deferral wrong, I had one representative tell me that I was good till XXXX and the other representatives told me that I did not have a deferral for XXXX and that I had a past due that was going to impact my credit if I did not pay after I told them my financial circumstance. Also after I have been given false information.
02/23/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	DC 20001	Web
Mercedes Benz sold me a vehicle XXXX. The car did not last according to the contract. Mercedes did everything in its power for me not to own the car outright. I paid or financed XXXX for the car, I was down to XXXX owed for the car, before it was repossessed. XXXX tried to collect XXXX for the car after repossession ; in which, I do not have and filed on my credit report. I paid Mercedes cash. MercedeXXXX failed to ensure motor vehicle safety and provide passenger motor vehicle information from all information systems, including about prior owners and incidents.
08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80130	Web
We took out a loan to purchase the lease. The money was sent to Mercedes financial and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.
06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 900XX	Web
Mercedes benz financial has reported a 30 day late on my credit report and it is in error. I was not late with the account payment. I kept explaining to them that their reporting on my credit report was incorrect. late amount is {$1900.00} in XXXX 2022. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
03/25/2015	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	FL 33433	Web
Mercedes Financial has been reporting incorrectly to all bureaus and I have written letters and contacted them directly no correction has been made. I even wrote the bureaus and still over 6 months no corrections. Also they have reported 3 late payments and I was never late. I would like this resolved because of inaccurate information for the loan payment amount which should be {$810.00} they show {$760.00} which I have a contract so do they. I have done my part numerous times and bureaus only tell me its correct even though my contract says otherwise.
12/16/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	VA 22152	Web
I recently extended my Mercedes Benz Financial Lease from XX/XX/XXXX - XX/XX/XXXX. However, I am wondering why Mercedes Financial stopped reporting my installment loan to the XXXX credit reporting agencies. Because my XXXX is no longer being reported to the XXXX reporting agencies ; my credit score with all XXXX bureaus took a nose dive because there is no recent installment loan payment history. I have an active lease still with a lease maturity date of XX/XX/XXXX. Therefore, the payments should be reported to the XXXX credit reporting agencies.
06/10/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	NY 14072	Web
I called Mercedes Benz Financial on Monday XXXX XXXX, 2016 and set up an automatic payment for Friday XXXX, 2016. They called again on Wednesday XXXX XXXX and I explained I already contacted them and set up the automatic payment. The woman said she would note the account. On Thursday I received XXXX phone calls from them, I answered the XXXX call and was never connected to a representative. Their system hung up on me. This is clearly harassment as I have the confirmation number for the automatic payment and am only XXXX payment past 30 days.
04/12/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL XXXXX	Web	Older American, Servicemember
I received a refund check from Mercedes-Benz Financial Services for {$840.00} because they did not stop the XXXX XXXX payment lease option after I purchased the car. I deposited the check in my XXXX XXXX checking account on XX/XX/2023. However, on XX/XX/2023 a check deposit reversal was issued. I received a letter from XXXX XXXX that states why the check is invalid.. After contacting MBFS customer service more than six times, no effort has been made to refund my money. I have requested a substitute check but have yet to receive an answer.
05/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 07010	Web
This account that is being reported 30 days late on XX/XX/2020 and XX/XX/2020 my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards.
10/25/2023	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	PA 18020	Web
Mercedes Bank Financial Services ( XXXX and XXXX ) did not send me the XXXX XXXX form. When I contacted them via their portal and phone, they told me they will charge {$10.00} to issue the 1099. The IRS has ruled that charging a fee for issuing a 1099 is illegal. This is because a 1099 is an information return that is required by law to be filed with the IRS. The bank is responsible for filing the 1099 on the taxpayer 's behalf, and it can not charge a fee for doing so. I own a Demand Note from MBF - services at this website : XXXX
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90046	Web
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare an appeal for investigation before I confer with my own counsel to obtain advice on how to handle an incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. MERCEDES BENZ FINANCIAL XXXX
03/21/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33023	Web
First and foremost Ive recently been educating myself in financial literacy and have found out that more than 90 percent of my consumer report has been in violation for the past couple of years. I have made Many attempts to all 3 Agencies via certified mail last year XX/XX/ to get back control of my Consumer Report by informing them to Deleting incorrect addresses and informing said Agencies about inaccuracies on my consumer report made by the Persons/Financial institutions Furnishing the Data to these Consumer Reporting Agencies .
03/18/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	IL 60089	Web
I paid all 36 installments for the lease of my car to Mercedes Financial. The last installment was paid on XX/XX/XXXX. After I returned the car on XX/XX/XXXX, I was charged an extra installment for {$490.00} on XX/XX/XXXX. When I asked MB financial about the charge they said the value of the car has changed and dealer is not paying them enough. They asked me to work with the dealer even though I have not paid the dealer the extra installment. This is a very deceptive and unfair treatment as I am made to run around for no reason.
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91423	Web
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. Below are the errors I have identified : XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91423	Web
MERCEDES-BENZ FINANCIAL SERVICES Account XXXX ***** XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the account paid. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! MB FIN SVCS ***** XXXX
02/14/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA XXXXX	Web
XXXX unlawfully hired an outside towing company to attempt to repossess the vehicle. On XX/XX/22 This company cause mental anguish and trauma to my Pregnant Girlfriend and XXXX old son. The driver Stated, when asked why he was following her You know why Im following you, your behind on your payments and that he had legal right to follow, because she in someone elses property XXXX XXXX XXXX of the XXXX Police department filed a complaint. Report number XXXX. XXXX has no LAWFUL claim to property they are actively trying to STEAL.
12/07/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NY 10305	Web
Purchased a needed XXXX XXXX matic for $ XXXX with $ XXXX as deposit and $ XXXX in XX/XX/XXXX. There interest rate was manipulate and inaccurate Federal Truth In lending disclosure. Car was paid off infull and forcefully entry used to take my car away by XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX when upon lemo law mediation been setup by the State. The car did not have any emission record and it was lemo within first 90 days of purchased. Over paid for the car. The sales representative XXXX XXXX XXXX it at sovereign motor cars.
06/06/2020	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 78552	Web
On XX/XX/XXXX be vile was in a car accident XXXX seemed a total loss and informed Mercedes Benz that they wore going to pay out the beguile in XX/XX/XXXX they only sent amount of XXXX which Mercedes processed and the date was showing next due date was XX/XX/XXXX and stating when I pulled my credit today XX/XX/XXXX showing it was negative as a charged off when clearly the other party was at fault. Nor has Mercedes Benz or XXXX have made any contact with me since they recieved payment nor to inform me the charge of account as well
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91423	Web
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date Opened : XX/XX/19 Balance : {$11000.00}
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30331	Web
After reviewing my credit report for any fraudulent activity, unknown or unauthorized by me. I discovered inquiries on my account that were fraudulent, and I want to move forward into to disputing them. So therefore, I contacted all 3 credit bureaus to open a dispute. This is the list of fraudulent inquiries and the inquiry dates : XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/19/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	CO XXXXX	Web
On XX/XX/23 I exercised the purchase option at the end of my lease term. In violation of the federal Consumer Leasing Act, the dealership charged a fee of {$590.00} which was not disclosed in my original lease agreement. Upon showing the dealership a copy of my agreement, they simply said that the practice is industry standard across all manufacturers. Since Mercedes-Benz Financial Services forces customer in Colorado to work with dealerships directly I had no other option but to pay the fee and seek recourse afterwards.
06/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IA 505XX	Web
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
07/21/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 93726	Web
Yes I extended my credit to the business which submitted application which is a legally binding contract and was denied. First I'm the original creditor extended my credit and can't be denied there was a finance charge which is to access my credit for me. On top of that I'm was treated very ruefully and unexceptional being denied a right that is lawfully mine. They have willing and knowingly lied and gave misleading information. This has affected my well being and livelihood I ask this be corrected as the law deems.
09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91423	Web
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXXXXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48213	Web
There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- -XXXX XXXX XXXX, on XX/XX/2023 -- -Mercedes-B, on XX/XX/2023 -- -XXXX XXXX, on XX/XX/2023
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90069	Web
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX XXXX XXXX XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33013	Web
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92585	Web
I was trying ti make a purchase and was made aware that my identity was stolen. I reached out to all the companies and they removed all the fraud information. This is the only company that said it wad not fraud I sent over all the information that was requested plus more. I sent them over a investigation validation letter and still have not heard anything back. I hope no one ever has fraud with Mercedes they will not help you with the matter they want you to pay for something that does not belong to you.
04/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 064XX	Web
My account with MB Financial Services has already been settled. The car was totaled in an accident on XXXX XXXX XXXX and it was paid for by XXXX XXXX XXXX XXXX. The difference was covered by XXXX XXXX XXXX on XX/XX/. However there remains a balance in my credit report that I would like the credit bureaus to report as paid in full. I have attached a copy of my GAP coverage to prove that the balance was covered in full. Please have this information updated on my credit report according to FCRA guidelines.
01/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 802XX	Web	Older American
I communicated with Mercedes Benz Financial Services, XX/XX/2021 about a report of a delinquency to XXXX and XXXX that was derermined to be inaccurate. When I ask for an immediate resolution of the error I was unable to communicate with the credit department. I was told they do not speak with clients and they only communicate with credit bureaus once a month. I am in the process of applying to refinance a mortgage. This failure to expedite the remediation of their mistake is problematic for me.
05/12/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WA 98056	Web
Mercedes Benz Financial Services services our loan for our Mercedes car. On or around XXXX XXXX, 2016 they upgraded their payment system and the system was down for several days. I made a payment on XXXX/XXXX/16 at mbfs.com. I checked the payment history and it shows {$0.00} principal, {$0.00} interest, and the amount I paid as " over paid '' for the past THREE MONTHS!! It does not even show the total remainder owed anymore. This is not acceptable for a lender, thus I am filing this complaint.
05/13/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	FL 33770	Web
Mercedes Benz Financial Services ( MBFS ) deducted a payment from my checking account 3 weeks after I turned in the vehicle at the end of the lease. They indicated the dealer Mercedes Benz of XXXX did not pay off the vehicle when it was turned in. I called MBFS on XX/XX/21 and they said they would refund in 2-3 days, but after XXXXhree days I received no refund. I called Mercedes Benz Financial Services today and now they are saying they won't refund my money for at least 3 weeks.
04/21/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91356	Web
I contacted Mercedes regarding late payments reported to my credit that are in error, they agreed to give me a deferment in XXXX. I made the payments in XXXX and XXXX on time and before it was 30 days late. They reported it late in XXXX with XXXX and XXXX and in XXXX with XXXX. This is not correct my payments were made on time for those months and I have attached proof, along with a letter and proof sent to Mercedes. How they are reporting this is incorrect and I want it fixed.
01/19/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NY 110XX	Web
Mercedes Benz Financial Services called 3 times on a Public Holiday - XXXX XXXX XXXX XXXX. I complained after the first call but received XXXX more. This is not only calling at an unusual time they knew, or should have known, was inconvenient but it is also harassment. " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number '' is against the FDCPA practices.
12/22/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 77063	Web
I sent Mercedes a 2nd Notarized Affidavit of Truth and Facts on XX/XX/2020 certified mail. They are in receipt of my 2nd Affidavit as of XX/XX/2020 at XXXX. Mercedes has failed to comply with the FDCPA and Truth and Lending Laws. Mercedes is a debt collector as defined in the FDCPA Mercedes has failed to Rebut my notarized affidavit, which is the only way they can address me by law as a federally protected consumer Mercedes has not tried to address this complaint properly
11/19/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 33713	Web
I financed my vehicle through Mercedes-Benz Financial Services. I discovered that the mobile app and other company records ( not including my contract ), according to my phone call with a representative, that my contract information shows 73 months instead of the 72 months listed on the contract I signed. I opened the loan on XXXX/XXXX/XXXX. The representative informed me today that my last payment would be XXXX/XXXX/XXXX ( not XXXX/XXXX/XXXX as expected per my contract ).
07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30253	Web
XXXX account # XXXX closed date : XX/XX/2022 in accordance with fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A sECTION 2 : IT Also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75181	Web
MERCEDES BENZ FINANCIAL SERVICES YEAR- 2023 In accordance with the fair credit reporting act this creditor has violated my rights 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b states that a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
10/19/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	TN 38017	Web
I would like to complain about the misleading information in my credit report and I was totally surprised when I saw MERCEDES BENZ FINANCIAL that has a balance of {$39000.00} opened on XXXX XXXX that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT MINE! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.
05/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 337XX	Web
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
10/05/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 32824	Web
on XX/XX/23 I spoke XXXX XXXX a sales consultant at Mercedes Benz of XXXX he sent me a picture of what looks to be a contract with what would be my numbers he specifically said pending credit approval, they ran my credit multiple times again with out me knowing exactly how many times just to tell me that unfortunately the bank 's did not give me an approval, their advertising states that everyone can get approve, I have been lied to and cheated on with their scams.
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91361	Web
I have VOLUNTARY surrendered my vehicle back to Mercedes Benz Financial Services in XXXX of XXXX. However, Mercedes Benz Financial just changed history of my account and notified credit bureaus XXXX, XXXX and XXXX that in XXXX (! ) from XXXX through XXXX of XXXX account was in repossession (! ). This does not make any sense nor this is right as this vehicle was VOLUNTARY SURRENDERED and brought back to XXXX XXXX XXXX in XXXX XXXX, Ca at the end of XXXX in XXXX!!!!
11/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77087	Web
The company ( insert collection company ) purchased a debt from another company and i had no involvement in the transaction. According to 15 USC 3002 i am a natural person which means my name in all caps is not me. My name is ( insert your name ). Per 15 USC 1692a ( 1 ) The term bureau means bureau of consumer financial protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus. There is only one bureau and that is the Consumer financial protection bureau.
09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93021	Web
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}
09/02/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 77063	Web
I sent a letter of Validation, Cease and Desist, Invoice and Affidavit of Truth And Facts XX/XX/2020 with Signature and Return Confirmation to Mercedes Benz Financial Services. Mercedes Benz Financial Services did sign for the package on XX/XX/XXXX at XXXX. Mercedes called and left a message XX/XX/2020 which is a violation of the Cease and Desist. Mercedes has not sent any correspondence via mail in regards to my Validation, Invoice or Affidavit of Truth
04/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89117	Web	Older American, Servicemember
Sir/Madam, I wish to dispute a late fee that was passed on to the Reporting Bureau. This is in reference to Mercedes Acct # XXXX. Vehicle - XXXX Mercedes Benz XXXX convertible. The late fees were for XXXX and XXXX of XXXX. We are also asking to vacate the 30 day+ overdue on this Acct. The Covid-19 virus has disrupted my life and I'm trying to get back on track. Please contact Mercedes Benz Finance at XXXX continue the dispute process. Respectifully, XXXX XXXX
08/20/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33068	Web
I have a loan with MERCEDES BENZ FINANCIA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and MERCEDES BENZ FINANCIA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
07/19/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32812	Web
I have a loan with MERCEDES-BENZ FINANC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and MERCEDES-BENZ FINANC with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.
05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32221	Web
I have contacted XXXX In XX/XX/2022, XX/XX/2022 and XX/XX/2022 about ( 2 ) two unauthorized inquiries that they are reporting on my credit report. I contacted the two creditors XXXX XXXX Bank ( bank ) and Mercedes Benz Financial ( finance ), they said they contacted the credit bureaus to let them know they weren't any transaction or permissible purpose between them and me. These inquiries are affecting my interest rate to potential loans I am applying for.
03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	AL 35244	Web	Older American
I applied for an auto loan on or about XX/XX/2022 on the XXXX, AL Mercedes-Benz website , and no one can locate it to give me a status as of today, XX/XX/2022. As personal information was inputted, I am concerned that XXXX XXXX XXXXXXXX, AL has compromised my personal information. The salesperson relayed that both managers can not locate my application even though I received confirmation that it was submitted. I am concerned -- where did my information go?
10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92880	Web
In accordance with the Fair Credit Reporting Act - This creditor XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Under 15USC 1681 section 602 it states I have the right to privacy. 15USC 604A states A consumer reporting agency can not furnish an account without my written instruction. It also states Under 15 USC 1666b mean? A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17901	Web
In accordance with the fair credit reporting act this creditor ( Mercedes benz financial ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
04/14/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Information belongs to someone else	TX 77089	Web
XXXX XXXX is the worst Financial Lender. Incorrect info reporting to the credit bureaus. Status of Account is Voluntary Surrender but called Mercedes Benz Financial and they say the account is suppose to be closed as Early Termination. They have promised to fix this issue but as yet to do so. Its been 6 months. This as caused my credit score to drop 100 points. As far as Im concerned I have know knowledge of this account or what its reporting like this.
09/20/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NJ 08831	Web
MB Financial is not forwarding my payment data to the XXXX credit agencies - specifically for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has resulted in a significant reduction in my XXXX score. I have spent numerous hours on the phone over the past 6 weeks with MB Financial agents and supervisors without success. Emails go unanswered and there is zero followup. All MB Reps agree that payments are paid in full and on time but never resolve the problem.
12/30/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28208	Web
I am a victim of identity theft. From XX/XX/2020 until present I have repeatedly communicated with mercedes-Benz financial services sending letters in the mail and faxed my police report. Yet they still refuse to remove this fraudulent account # XXXX from my credit report. I have filled repeat identity theft disputes with all 3 of the credit reporting agencies beginning in XXXX of 2020 til present and yet they refused to remove this fraudulent account.
07/05/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	IL 605XX	Web
On XX/XX/2017, I applied for a car loan at Mercedes of XXXX, IL. The dealership ran my credit. I got 7 hard inquiries toward my XXXX credit report. However, I was never notified by my salesperson or financer that they would be pulling it that many times. I was under the impression my credit would only be pulled once. I would like to address this immediately and find a solution to how it is that I can get the hard inquiry remarks removed from my report.
09/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web
I have a loan with MERCEDEZ BENZ FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and MERCEDEZ BENZ FINANCIAL with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07008	Web
In accordance with the fair Credit Reporting Act XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75104	Web	Servicemember
I leased a car from Mercedes Benz in XXXX and returned the lease on time in XXXX and got new lease however, my credit report shows paid in settlement but there was no settlement I did get bill for car property taxes and that was paid once I received bill from. It shows on all 3 credit reports I paid in settlement but shows Ive never Deb late or anything and its hurting my credit my reporting and my score went down drastically on XXXX, XXXX and XXXX
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MO 63121	Web
This Mercedes-Benz Auto Finance will not stay off my report. It has been deleted twice & it still report erroneous information on my report. Please mailing me or having any correspondence. It's becoming a harassment. This account was opened XX/XX/23 but, its accurately reporting 120 days past due. We're currently in month of XXXX. From XXXX to XXXX is over 200 days. This account has been removed for inaccuracy & blocked for fraud numerous times.
06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92679	Web
Regarding old complaint XXXX, to XXXX XXXX, which XXXX replied to CFPB WITH A LETTER saying they will remove reporting from the 3 credit bureau, that was on their letter on XX/XX/XXXX. Starting XXXX ON XX/XX/XXXX, found out that they didnt do anything They don't respect their promise, they don't care about customers like me although i am a customer since 8 years with 3 cars now, ALSO THEY DONT RESPECT CFPB. I DID SEND 2 LETTERS, CALLED NOTHING.
06/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33054	Web
I am a victim of identity thief I contacted the proper authorities I was instructed to file a identity thief report with the federal trade commission a police report and a identity thief affidavit. I am requesting these accounts be deleted immediately. Upon checking my credit report i discovered that there was several fraudulent accounts on my credit report I have contacted the creditors and furnished the creditors with the above stated documents.
07/31/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	FL 33556	Web
I leased a vehicle from MBFS in 2020. I purchased additional miles over the base of 45k up to 48k. Per the contract I would be refunded the unused miles below the 48k. I traded in the vehicle with a new lease. The leased vehicle traded in was at 17k miles and thus I was owed XXXX XXXXXXXX. Thats XXXX miles purchased at a {$1.00} per mile over 45k miles. MBFS is saying multiple excuses and refusing to refund the amount as stated per contract.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 300XX	Web
XXXX XXXX XXXX XXXX has inquire about a vehicle on my report that i did not ask for nor was i looking to purchase a vehicle. i'm asking that this be removed and i'm attached a police report stating that time of this inquires i wasn't able to XXXX nor XXXX XXXX XXXX so its FRAUDULENT and i would like it REMOVED IN 5 days or a Lawsuit will be filed against this company for stealing my information without my consent. Police report attached
11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90005	Web
I traded a car at Mercedes two years ago and traded it for another car at the same dealer ship and they were to pay the the one I traded off but I have TT tied to get them to correct this on my credit report it still shows inhave a XXXX XXXX loan out whe it should be closed and marked as paid I have reached out to Mercedes they are willing to help its expire and that is giveing me the problem they have computers who make choices for them
08/25/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60062	Web	Older American, Servicemember
I paid my loan to Mercedes Benz Financial Services as agreed. After making the final payment I discovered that the lender had lost the vehicle title. All they are willing to do is send me a paid in full letter. I think that the lender is responsible for the safe keeping of the collateral ( vehicle title ) and that they should be required to obtain a duplicate title. I am trying to sell the vehicle but am unable to do so without a title.
01/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33009	Web
On XX/XX/XXXX my bill for account MERCEDES-BENZ FINANC ( opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
12/31/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	CA 931XX	Web
I have a Mercedes benz XXXX convertible. The convertible top got damaged and my insurance is will to pay XXXX $ to get it replaced. The only problem is the part is on back order. It has been more than a month. Mercedes dont have ETA. They are not able to give me ETA. They dont wan na give me a new car. They dont wan na stop my payments. Simply I am paying for a car that is not in my possession with no promises when they get it fixed.
10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48141	Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 331XX	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33013	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33604	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33013	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33013	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33185	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IA 505XX	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33012	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
11/07/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 93311	Web
XXXX has been non-compliant with removing the unverified account MERCEDES-BENZ FINANC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MERCEDES-BENZ FINANC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
05/19/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX XXXXX	Web	Servicemember
I traded in the subject vehicle that was financed with Mercedes Benz financial services. for new XXXX. Well tell seeing dealership XXXX XXXX was infact floating notes and not paying the lienholders after they received the payoff from myself. So the dealership has my car and has not paid off the leinholder so now i have a collection with Mercedes Benz. The dealership is now under bankruptcy and the dept is still showing as unpaid
09/05/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 91367	Web
XXXX has been non-compliant with removing the unverified account MERCEDES-BENZ FINANC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MERCEDES-BENZ FINANC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
09/23/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28270	Web
Potential sensitive information security breach has occurred in Mercedes-Benz Financial Services ( MBFS ) as I received statements from other MBFS customers and able to open and view those statements which contains details including name, address, account numbers, loan balance, payment due, VIN, car description, etc. I now have access to at least XXXX other customers as each month they sent me statements for different customers
11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 334XX	Web
Please consider this as my formal complaint to the MERCEDES-BENZ FINANCIAL SERVICES for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXX allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91604	Web
I wrote a few letters to the creditor and the bureaus regarding some lates reported on my accounts and they have not responded or fixed the error. I don't feel like this was my fault, I submitted proof that they funds were available when the payments were due but they were trying to take the funds from an account that was no longer active. All I want is that they fix the error and remove the lates reported on my credit report.
04/02/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	CA 94063	Web
MERCEDES-BENZ FINANCIAL SERVICES Account number XXXX REPORTING A PAST DUE BALANCE AND ACCOUNT IN CHARGE OFF WHICH IS NOT TRUE.. AND VIOLATION OF F.C.R.A. RULES AND REGULATIONS. I WAS NEVER LATE ON THIS LEASE AND WAS NEVER PAST DUE. THEY OFFERED TO WAIVE FINAL PAYMENT AND FEES IF I LEASED ANOTHER VEHICLE BEFORE THE LEASE WAS UP. I DID BUT THEY MISREPORTED THIS ACCOUNT TO THE BUREAUS AS A NEGATIVE IT IS NOT TRUE ... PLEASE HELP
11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92646	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
03/13/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 92563	Web
XX/XX/2018 paid {$780.00} and XX/XX/2018 contact Mercedes Benz Financial Service ( MBFS ) via telephone to check status of receiving credit for payments not list on MBFS summary list of payments already applied In XX/XX/2018 sent a written inquiry to Mercedes Benz Financial Service with a copy of paid receipts with transaction number regarding proper credit for XX/XX/2018 and XX/XX/XXXX inquiring whether payments were credit.
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33185	Web
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IA 505XX	Web
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
10/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75056	Web	Servicemember
I am reported late for XXXX and XX/XX/2022. The website allowed me to submits for a deferral request for the XX/XX/2022 payment. I feel that is misleading because it was not able to be honored I have attached photos below. The XXXX payment was pairs within 30 days. Payment was due XX/XX/XXXX. I made payment XX/XX/XXXX, that is XXXX days. That needs to be correct on my credit report. I have attached payment history below.
10/13/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	PA 15213	Web
I leased a XXXX XXXX from XXXX XXXX pa Mercedes Benz the second day Im having issues I took it to the dealer for repairs 2 times Im still having the same issues. I contact Mercedes Benz customer service theres no help Im thinking of hiring a lemon law lawyer if this issue not resolved I requested from Mercedes Benz customer service to exchange the car or refund they ignored my request the car has only 500 miles on it
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90046	Web
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 331XX	Web
OnXXXX 2016, my Mercedes Benz lease was transferred over to someone else. I received all the letters from MBFS saying that the process has been finished. After numerous times talking with MBFS they agreed to remove the account from my credit report, it has been removed from my XXXX credit report but it still shows as open with XXXX, i have not been able to force XXXX to remove it because MBFS simply does n't respond.
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90027	Web
In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
06/22/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	TX 77077	Web
I '' ve call MERCEDES-BENZ FINANCIAL SERVICES & on the website they offer covid ASSISTANCE & i WAS IN THE XXXX XXXX XXXX XXXX & THE CAME ON GOT THE CAR. LEAVEING ME BY MYSELF NEVER OFFER ME ANY HELP WITH PAYMENTS. IT'S HURT MY CREDIT & CANT GET A NEW CAR. I have right under the U.C.C. - ARTICLE 2A & Mercedes - Benz charged me a down payment. They had people break into my car & they had a 3party call & threating me
10/18/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MO 63031	Web
On XX/XX/2021 I came into the Mercedes-Benz XXXX XXXX XXXX XXXX XXXX personally finance a vehicle on a credit transaction and was denied and was not given a written notice per the requirements of the ECOA pertaining to the specific determining factor of why I was denied. Also, they shared my private information with third party companies without permissible purpose. The FTC says that this is credit discrimination.
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 281XX	Web
In accordance with the fair XXXX act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
08/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33027	Web
Balance displayed on all 3 Credit Bureaus of {$4100.00} for Mercedes Benz Financial Account # XXXX is incorrect, balance is {$0.00}. In fact, I prevailed in a Civil Action both personally and for my corporation in XXXX XXXX FL XXXX XXXX Circuit Court, XXXX XXXX, Case # XXXX disputing their disingenuous claim of {$4100.00} and was granted a DISMISSAL WITH PREJUDICE in my favor. No balance is owed, {$0.00}.
12/17/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 156XX	Web
Mercedes Benz Financial Services billed me for an unreasonable amount at the end of my car lease. I wrote several letters to dispute the charges. They never answered, but instead turned me over to their collection agency. I wrote to the agency, included all the letters I had sent to MBFS, but they reported to the credit bureaus that this was a write off, damaging my credit score. Score was XXXX, is now XXXX.
09/12/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MI XXXXX	Web
I have requested clear title following the pay off of my vehicle 4 times from Mercedes Financial and 3 times told it was on the way. The 4th time the customer service rep indicated he was sending me a link to a letter that indicates the vehicle is paid off and the link was no good. I can not do this with this company. I have further not received indication that my vehicle is being reported as paid in full
12/29/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 91356	Web
Mercedes Benz is reporting incorrect and/or fraudulent debt information on my credit reports. Mercedes Benz states I owe them {$210000.00} for a vehicle that was vandalized approximately 18 months ago. The vehicle was stored at XXXX XXXX in XXXX California and the vehicle was declared a total lost by the insurance company, Mercedes Benz handled the insurance claim. I do not owe any money to Mercedes Benz.
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43062	Web
On XX/XX/2022 I received a response from all three credit bureaus XXXX, XXXX and XXXX saying my information was verified. Under law it cant be verified if I never have permission to report. Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681B 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681B 4
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20772	Web	Servicemember
I am a victim of identity theft. My personal information was used to obtain credit without my knowledge. I notified all three bureaus in writing via USPS priority mail several times in XX/XX/XXXX. Both the inaccurate addresses, as well as fraudulent accounts still show on my profiles. My rights have been violated as a consumer and I am requesting legal action to remove those accounts immediately.
12/20/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 92127	Web	Servicemember
I requested for Mercedes Benz Financial Services to audit my account that I believe that I had already paid. XXXX XXXX sent me letter on XXXX XXXX, XXXX stating that everything checked out. However, upon checking my XXXX credit report I discovered that a payment in the amount of {$24000.00} that was made in XXXX XXXX did not show up on my statement. It also revealed that I was paying for 2 cars.
02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 331XX	Web
There are inconsistencies with my credit report date dont match up never late In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. Slates I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannogfumish a account without my written instructions
09/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92831	Web
XXXX is reporting an account with Mercedes Benz Financial as a chargeoff/current debt when my debt balance is now XXXX with XXXX owed. The balance is approximately {$6000.00}. XXXX is refusing to manually check the records of Mercedes Benz to confirm that the debt is at a XXXX balance. Mercedes Benz is lying about me having a debt owed with them and their internal records needs to be checked.
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 235XX	Web
I, went to Mercedes-benzes of XXXX XXXX and was discriminated against, and deceived, " I was told I did not met the criteria to extend my consumers credit because of unfair credit reporting ; as stated by law that shall be a considering factor in a consumers transaction. They acquired my personal info shared it and under 15 usc 1602 ( p ) I received no benefit in that consumers transaction.
12/26/2016	Yes	Consumer Loan Vehicle lease	Shopping for a loan or lease	CA 91316	Web
I went to lease a car from Mercedes Benz XXXX. We agreed to a lease of XXXX miles a year and XXXX down and XXXX a month. At the last minute they said there was an issue with my credit and I have to put XXXX down and pay XXXX a month. On top of that, my biggest and real complaint, was they switched the agreed XXXX miles to only XXXX miles on the contract. This is an absolute bait and switch.
03/24/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 17543	Web	Servicemember
I have requested multiple statements a monthly billing statement. At first I was receiving paperless statements and attempted to access my monthly billing statements in the statements section of my online account with no success. I switched to paper billing and have received only one paper bill. I am still not able to access my monthly statement online in the app via the statement section.
12/07/2016	Yes	Consumer Loan Vehicle lease	Shopping for a loan or lease	CA 90802	Web
I was buying a car, and they ran my credit once, and I was unable to do it by myself. So then they tried with my aunt, and that did n't work, and then finally they ran it with my mother. However they ran my credit 3 different times causing me to go over the yearly " good '' inquiry allotment. They are Mercedes Ben done on XX/XX/2016 and 2 are MB Fin Svcs done on XX/XX/2016 and XX/XX/2016.
04/06/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 77063	Web
I sent my 3rd affidavit to MBFS and they received it XX/XX/2021, XXXX XXXX Delivered XXXX, MI XXXX item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, MI XXXX. The item was signed for by XXXX XXXX. I am demanding that MBFS address my concerns and respond with Federal facts and not hearsay. MBFS has failed to address me as a consumer and the federal rights i have made known to them.
07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98003	Web
A dealer checked my credit without explanation and my permission on XX/XX/XXXX at XXXX XXXX XXXX, Washington. While my father bought a car for me, a dealer said i should be as a cosignor on financing document. I didnt sign any financial documents at all before they run credit score. I didnt even know that he checked my XXXX XXXX until i got an email that Benz inquired my credit report.
07/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 119XX	Web
So I was sent a instrument in the mail on XXXXOn The instrument there is a unconditional promise to pay fixed amount of money. Once I receive the instrument I endorsed it and sent it to the company by mail an fax. On the instrument I gave Pacific instructions the company dishonored the payment. And it was never sent back with verbiage of why they dishonored the payment and payment.
02/04/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	NY 11235	Web
The vehicle was returned to the dealership on XX/XX/2020. The dealership had it in their possession from that date on but didn't process the lease return. It will be reflected in their records that I chacked it in on XX/XX/XXXX. After having the vehicle for over 4 months the dealership orchestrated a repossession and billed me for over {$6000.00} as if the vehicle was not returned.
12/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 936XX	Web
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MERCEDES BENZ FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted. ( MERCEDES BENZ FINANCIA XXXX )
12/08/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NY 10021	Web
We had set up auto drafts from a checking account to pay for the car. Prior to the due date each month for 3 consecutive months we called in a payment prior to the due date and asked that our account not be debited. They agreed took the payment and then tried to take out the second payment each of the 3 months. Not only did they do that but they charged us fees for return payments.
02/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CT 06606	Web
Looking for a car. Sat down and pick a car I liked. They told my I had the credit to go for it. So I did. Coming back there telling me that I needed a co-signer that same day. Come to find out I decline the offer n walked away .. every since then Ive still been charged and hitting my credit almost 80 points. My score was XXXX and now its XXXX .but applying for credit it was XXXX.
11/25/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 90029	Web
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
08/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92805	Web
I had a loan with Mercedes-Benz since XX/XX/XXXX. I never had any late payment. I paid off the loan in XX/XX/XXXX. Somehow Mercedes-Benz put a Repossession on my credit report. I contacted their financial department and told that I have to hire a lawyer to fix this issue. I never pay late and paid off already. I don't know if I should spend money on hiring a lawyer to fix it.
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33029	Web
I went to a Mercedes of XXXX XXXX XXXX to purchase a vehicle which was supposed to be financed by Mercedes unfortunately they shop my loan with other companies without my permission which created a hard inquiry on my credit report. I only found out when i checked my credit. Which i think is wrong because i was told Mercedes do their own financing. Which was not in my case.
02/14/2022	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	MI 48235	Web
The MB FIN SVCS account with account number XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response which I have decided to seek your help to have this account be blocked.
06/22/2016	No	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30058	Web	Older American
I refinanced my XXXX XXXX ( XXXX ) with XXXX and they paid on XXXX XXXX, it off on XXXX XXXX. XXXX sent the monthly bankdraft payment through my my checking account on XXXX XXXX. The {$1200.00} drafted through my account after they were paid off by XXXX XXXX. I talked to several people in the XXXX FINANCIAL ERVICES AND I WAS TOLD IT WOULD TAKE 21 DAYS TO REFUND MY MONEY.
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web
I have voluntarily surrendered this vehicle to Mercedes Benz Finance back in 2017, Account was closed after that and remaining balance was written off Nevertheless, erroneously Mercedes Benz Finance shows that vehicle was repossessed, that information is WRONG and needs to be rectified. 'Car was dropped off voluntarily by me at Mercedes Benz of XXXX XXXX XXXX in 2017.
08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10030	Web
these accounts that appear on my credit report, without any authorization, do not belong to me, they are hurting me, please check them. . Identity Theft XXXX-XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft MERCEDES BENZ FINANCIA Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
07/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91423	Web
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX # XXXX, and I'm including it again. XXXX XXXX XXXX ******* XXXX
04/20/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10453	Web
Company has continuously contacted me about an alleged debt, I have received numerous letters and phone calls with obscene and profane language causing me anxiety and mental anguish. Company has also reported false and inaccurate information on my consumer report further damaging my reputation and causing me irreparable financial loss. Please see attachments below
08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web
I am writing to address a serious matter related to the inaccurate and incorrect information being furnished by Mercedes Benz Financial to the consumer reporting agencies. This inaccurate reporting has caused significant harm to my character, reputation, overall well-being, and has negatively impacted my ability to obtain credit for personal and housing purposes.
12/14/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 90024	Web
I leased a XXXX XXXX XXXX from XXXX XXXX through MBFS and prepaid my entire lease. My lease began on XX/XX/2019 for a duration of 36 months. I was supposed to receive my security deposit of {$6000.00} after one year or when I return the vehicle. As of todays date, I have no received my deposit. MBFS must return my deposit to me or take possession of the vehicle.
08/17/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 06511	Web
I have sent the rescission letter to Mercedes Benz of XXXX and Mercedes Benz Financial Services legal department. I cc the Connecticut Attorney general, Connecticut State Comptroller, Federal trade Commissioner, and OCC. My notarized rescission letter is attach to this complaint. YOU ARE NOW ON NOTICE. YOU HAVE 10 CALENDAR DAYS TO RESPOND WITH MY DEMANDS.
03/30/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA XXXXX	Web
Dear Sir or Ma'am, Please cfpb Identification numberXXXX of XX/XX/XXXX did not address $ XXXX.of 4 payments submitted after XX/XX/XXXX being applied based on history of my payment summary provided from Mercedes Benz Financial of XXXX Texas . Also Requesting charge off be removed contract was paid. I would like to provided a corrected summary of payments.
03/04/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 94501	Web
On XX/XX/2023 I applied for credit with MERCEDES-BENZ and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a MERCEDES-BENZ XXXXXXXX XXXX XXXXXXXX XXXX XXXX
02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MD 21239	Web
On XX/XX/XXXX I called Mercedes Financial in reference to my business vehicle reporting on my personal credit And thats not supposed to happen so what you shouldve only been on my business credit the rep at Mercedes financial statXXXX it theres nothing she can do about it and that I need to call the credit bureau which I did and nothing has been done.
07/07/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 75007	Web
I am writing to report Mercedes Benz Financial collection practices. I have received 9 calls between XXXX, and often within XXXX minutes of the previous call, for a payment that is XXXX days past due. These calls start daily at XXXX and each one leaves a lengthy message. The constant calls coming in are during my workday and have become disruptive.
05/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 981XX	Web
Unauthorized credit inquiries on my report. XXXXfrom Mercedes Benz of XXXX . It doesnt make sense to run my credit when I asked them why they need my social security & they stated it was for dmv purposes. I came there with a pre approval check from my credit union an didnt need any financing. Didnt sign anything agreeing to a credit pull from them.
10/24/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 77477	Web
Mercedes Benz Financial allows their dealership to at their discretion mark up the interest rates. I was offered 7.8 % for a car with the same LTV and trade in terms as my new car I purchased. However when I went to XXXX, I as able to get the same loan@1.9 % and {$1000.00} down. I am a woman XXXX I feel like I have been discriminated against.
05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30331	Web
My account has been paid in full since XXXX and Mercedes has yet to update my zero balance and account status to the three major credit bureaus. This is causing my debt to be higher than it actually is and is affecting my credit score and profile. I've contacted the credit bureaus and the company and I still have not received an update.
02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	CA 91741	Web
I have a couple of items on my credit report that need to be looked, there are four to five car companies. That are a hard inquiries on my report and I do not even have a vehicle, my bank account needs to be looked at as well. Over the last couple of months I have moved to several locations and my social security needs to be monitored.
06/29/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 77584	Web
Mercedes Benz Financial Services refuses to change balance owed from {$420.00} to {$0.00} after receiving payment of {$650.00} on XX/XX/2021. The following is reference number provided by MBFS as proof of payment. Ref # XXXX! I have made multiple attempts with them to make correction and they continue to refuse to change balance owed.
10/04/2016	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	CA 910XX	Web
I turned in my leased car to Mercedes Benz Financial XXXX XXXX, 2009 and it is still reporting on my XXXX despite my many attempts to explain to XXXX and Mercedes Benz that the statue of limitations has passed and to please remove it from my XXXX credit report. I feel like I have been treated poorly due to my economic hardship status.
03/22/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33309	Web
Was diagnosed with XXXX XXXX and lost my ability to work. Requested a payment deferral to be able to catch up with my loan. Filed for social security XXXX support and waiting on my Stimulus to be able to catch up and bring my account current. i was denied and threatened to lose my vehicle. I'm only asking for some time nothing else
09/30/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	FL 33541	Web
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
10/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 331XX	Web
I returned my car to a XXXX dealership where I got a new lease for a new vehicle. they took the car and said that they would include my last payment on the new lease, but payment was done by my company, after several attempts, and XXXX XXXX. I was a cosigner on this account and payments where always on time until this last mix up.
11/27/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 95129	Web
On XX/XX/2020 and XX/XX/2020 my bill for XXXX dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. Letters came to me only two months later.
08/24/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	CA 920XX	Web	Older American
Mercedes finance demanding {$1800.00} for excess wear of the car..it is false claim ... both in the items they describe and the cost per item. Ps ; The finance company verified that the spare key was misplaced by the dealership and removed it from the claim Their demand now stands at {$1200.00}. It is still unreasonable.
05/25/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	NV 891XX	Web
On XX/XX/XXXX of 2021 I made my last payment to Mercedes Benz Financial. I returned the car on XX/XX/XXXX of 2021. But I still received a 30 day late payment from Mercedes Benz Financial. I contacted them about the matter to get the problem fixed through them. But I was told they couldn't do anything about it on there end.
10/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
Made a car payment by phone to Mercedes Benz Financial Services ( MBFS ) before the account was late ; however, MBFS posted the payment past the due date and reported my account to the Credit Bureau as a late payment. XXXX XXXX even made the payment to MBFS official before the account became " late '' ( see attachement ).
05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 325XX	Web	Older American
I have financed the car with MERCEDES BENZ FINANCIAL SVCS. PAID IN FULL FOR THE CAR!! never late, it was reported to the credit agencies, WRONG, as " CHARGE OFF, ACCOUNT CLOSED. THIS IS INACCURATE INFORMATION, several letters was sent, to request to correct this wrong information.the last letter was sent on XX/XX/2021.
10/17/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	PA 15213	Web
I leased a XXXX XXXX XXXX XXXX and the second day I receive the car the engine light was on and a warning that the gas cap is loose and there a noise every time I hit the gas I took the car to service 3 time no help the issue not resolved I contacted the customer service they seems they dont care much I need help please
09/04/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 77087	Web	Servicemember
I XXXX XXXX entered into a consumer credit transaction with Mercedes Benz Financial on this XX/XX/2021. I used my credit card as defined under 15 USC 1605. Mercedes Benz Financial then took my credit card and got a loan and began to violate 15 USC 1692 ( e ) because they falsely represented our contractual agreement.
03/17/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 109XX	Web
I am writing today in regards to my account with MB Financial Services Account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/XXXX, due to Covid I was unable to make the payment in XX/XX/XXXX. As soon as I was able to, I got my payment made and caught up.
07/16/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77087	Web	Servicemember
To whom it may concern I consumer XXXX XXXX did a consumer credit transaction with Mercedes-Benz Financial Service USA LLC on XX/XX/2021 a finance charge is a sum of all charges I had to purchase insurance and also make a total of 3 payments I would like to be compensated for access damages that have been done to me
02/02/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	DC 20010	Web
On XXXX XXXX XXXX I settled the account and have not received the title to the vehicle, nor have I received the final paperwork closing out the account. On XX/XX/, I wrote again to resolve this matter, extending them three ( 3 ) additional business days to respond ; as of XX/XX/, the allotted time has now expired.
01/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 90029	Web
On XX/XX/2018 my bill for account MERCEDES-BENZ FINANC did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
11/25/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92831	Web
There is an automobile account that was opened due to identity theft. The account is being reported by XXXX only and no other credit bureau is reporting this account. The account is with Mercedes Benz ( XXXX ) for the amount of {$6000.00}. I filed a police report for this item and I am not responsible for it.
08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76063	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
09/28/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NY 119XX	Web
I paid the debt with the negotiable instrument that was sent to me in the mail from Mercedes Benz financial they refuse to except my payment, so I started a billing error and Mercedes-Benz financial did not respond to my billing error correctly they did not send any of the documents I requested
09/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 622XX	Web
The inquiries and auto lease reporting to my credit report is fraudulent activity. Please forward me any documentation providing proof I applied for credit. If you can not provide proof of documentation please remove these inquiries from my report. I have not and did not authorize this account.
11/20/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NJ 076XX	Web
I returned a vehicle to mercedes end of lease and received an absurd ridiculous bill. There was an end cap missing on the bumper a {$20.00} to {$50.00} part at any mercedes dealer and they sent me an invoice for {$4800.00} with additional misc charges as well I called them but havent heard back
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60616	Web
Payment status is showing up incorrectly. Payment was made during the company 's system failing. Conformation was sent that payment was received. The company 's system never processed the payment due to the new system having issues, allowing the system to crash repeatedly over a 2 week span.
06/24/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	GA 31794	Web
XX/XX/XXXX i was frauded for a Mercedes benz XXXX over the internet. The car was repossessed because i was denied the option to pay for it, in installments or full payment. I lost my job. On XX/XX/XXXX I paid the full amount of the vehicle to clear my credit. The full amount was {$15000.00}.
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77089	Web
The account is reporting negative information on my credit report. The account is reporting voluntary surrender which is incorrect information. Nobody at Mercedes Benz can seem to help or get back in touch with me to correct this issue.. This is the worst financial lender I ever dealt with.
06/13/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	IL 60605	Web
The lease from Mercedes Benz is showing as an active account. This lease ended back in 2018 and this account status should be updated to closed. I have had no luck in having the account updated by Mercedes and I need this to be correct as it is having an adverse effect on me and my family.
01/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89110	Web
I have the following fraudulent inquiries in my credit report. Mercedes Benz Financial is not cooperating with the investigation or willing to remove fraudulent inquiries. Fraudulent Inquiries : XXXX XXXX XXXX XX/XX/2021 MB FIN SVCS- XX/XX/2021 XXXX XXXX XXXX ( Auto ) - XX/XX/2021 2021
04/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92627	Web
Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a XXXX complaint against this creditor as well.
01/06/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NY 11550	Web
A XXXX XXXX XXXX was purchased using my credit score. That was not me! I did not purchase this car, nor do I have this car. My brother XXXX XXXX may have. My friend XXXX XXXX took my personal information out of my home. Perhaps that had something to do with car inquiries also.
07/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93940	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
04/06/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32566	Web
I've been attempting to request financial assistance for the past few months with no success. They've reported my loan as past due on my credit report. My car has a safety recall, I have been calling the dealership to request an appointment and no one is returning my calls.
05/03/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 90710	Web
i have been leasing a mercedes since XX/XX/2015. I make timely payments withcertified checks and the company keeps reporting me as late and I have sent them proof of payment and they never use it they always state it is returned. Very harassing and poor accuounting skills.
04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 90703	Web
My vehicle was traded in at the end of the lease on XX/XX/2021 and the dealership who took the trade-in paid off my vehicle within the time Mercedes-Benz Financial Service provided yet Mercedes-Benz Benz Financial Service still reported XXXX day delinquent on my account!
08/12/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60617	Web	Older American
Paid loan off with Mercedes Benz Financial Services years ago ( 8 ) and never got release. Husband died ( XXXX ) sent death certificate and Mercedes Benz Financial has still not released lien letter! The title ( provided ) has both my name and my deceased husbands name.
11/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	HI 967XX	Web
On XXXX XXXX, 2019, XXXX/MERCEDES BENZ XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
07/10/2017	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	GA 30114	Web
I requested the negative information be removed back in XXXX of XXXX. The company responded and noted in the attachment that the information will remain until XXXX XXXX. As of today XXXX XXXX XXXX, the negative information is still being reported on my credit report.
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DC 20020	Web
XXXX is constantly reporting fraudulent information on my credit profile after I've asked XXXX to do an investigation into the fraudulent activity. however, XXXX is verifying fraud with no result on how they did the investigation. XXXX is in violation of the FCRA
03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 194XX	Web
I have made sure to make my payments on time for MERCEDES BENZ FINANCIA XXXX. This account should not have a late payment status in my record. Make sure to provide me with any documentation about the late payments being done in the months indicated in the report.
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 333XX	Web
XXXX Account Number : XXXX This is not mine. XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX Account Number : XXXX This is not mine. XXXX Account Number : XXXX This is not mine.
01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 35124	Web
The company included in this complaint is showing two hard inquiries. You have within 30 days to shop a loan for a car without being negatively effected by the multiple inquiries. This provider was not the one I went with, and therefor should have fallen off.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL XXXXX	Web
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUDULENT INQUIRIES CONTINUE TO APPEAR ON MY CREDIT. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX
10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75056	Web	Servicemember
I filed a complaint regarding XXXX payment showing was 30 days past due on credit. I received feedback regarding months that were not in question. XXXX payment was due on XX/XX/XXXX payment was made XX/XX/XXXX. 29 days. Please delete incorrect reporting.
09/21/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 94526	Web
XXXX payments that were made towards my Mercedes lease were applied to mileage overages on a previous lease instead of the current lease. I have contacted Mercedes Financial Services on several occasions and have been unable to get the problem corrected.
09/21/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	OH 44121	Web
Only assign my case to the person in HIGHEST AUTHORITY!!! OR THE CEO IF you have too!! Do not assign my cases to XXXX as she is non compliant and rude and mean and doesnt listen nor has she read my complaints nor investigated them. I do not like her.
06/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	DE 19709	Web
Hello and thank you for taking the time to review the complaint. According to XXXX Mercedes Benz continues to tarnish credit reports. Sent letter out to request removal of negative reporting. The account is over the seven-year statute of limitations.
04/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 631XX	Web
Every month for the last six months, Mercedes-Benz Financial Services continue to display inaccurate information onto my credit report at all tree Major Credit Reporting Agencies, intentionally. Enclosed is full complaint. Please read. Thank you ...
04/28/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 331XX	Web
Was leasing vehicle. Purchased vehicle using financing. Was told that I didnt need to change anything from a payment perspective. Auto pay would remain. Turns out that I actually needed to set up auto pay again. Missed first payment because of this.
04/16/2016	No	Consumer Loan Vehicle lease	Managing the loan or lease	CA 907XX	Web
Mercedes leased a car to me and they refuse to credit me with XXXX {$600.00} payment made to them through bill pay XXXX. I have send proof and more proof on six different occassions they refuse and are hurting my credit by reporting me 90 days late.
09/04/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 34608	Web
I leased a new vehicle XX/XX/XXXX. I still to this day did not get copies of original documents I signed. I wanted a 3 ( three ) year lease. I was given a 4 ( four ) year lease. Plus there are extra charges on the lease I dont agree with,
10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 10473	Web
Mercedez Benz account is reported multiple times only one account should be posted. XXXX XXXX is reporting what the creditors pay them to post even if it's inaccurate. XXXX XXXX is reporting more than once and it's the same accounts.
02/21/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 20910	Web
Mercedes Benz placed incorrect lates in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX payment was made XXXX/XXXX/XXXX. XXXX payment made XXXX/XXXX/XXXX. XXXX payment made XXXX/XXXX/XXXX. XXXX payment XXXX/XXXX/XXXX.
12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92688	Web
There is XXXX hard inquiries on my credit report for XXXX. Its only supposed to be XXXX to others that is fraudulent and I would like them removed so Im making a statement so I can give it to XXXX in order for them to remove it.
10/23/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	NY 11566	Web
This was previously disputed. The dispute was resolved. Reporting as paid/closed. Paid as agreed. Lease is from XX/XX/16... Almost 7 years ago. This should not be reported as adverse information on any credit agency report.
07/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 100XX	Web
I have a car lease with mercedes benz financial services. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.
05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33607	Web
Transactions and experiences between I, a Federally Protected Consumer, and this Financial Institution are being reported to XXXX, XXXX, and XXXX without any disclosure or consent from me. This is my Third and FINAL Notice.
11/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
Made to payment in full to Mercedes Benz Financial Services ( MBFS ) on XX/XX/19 before XXXX ; however, MBFS posted the payment at a later time and date falsely reporting my account as a late payment to the Credit Bureau.
07/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 100XX	Web
I was the victim of identity theft and my payments accounts were compromised causing payments to be returned. Mercedes Benz refuses to accept this even though I have sent them a copy of my driver 's identity theft report
06/05/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 92128	Web
I have tried talking to Mercedes multiple times about this problem. I have phoned them, emailed them monthly and had no change. They made promises when I bought the vehicle and since that they have not made good on.
05/16/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	CA 91730	Web
I have already spoke with Mercedes financial They was already resolved. Car was return back in XX/XX/XXXX car was sold in XX/XX/XXXX. No balance now I been getting calls that I have a balance. These calls are every day
12/16/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 77024	Web
MBFS has failed to respond to me in reference to the Full satisfaction of claims contract they entered into on XX/XX/2021 Full Satisfaction of Claim. The terms of the contract are clear according to UCC 3-311 ( b ).
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	SC 290XX	Web
Your company have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove
06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08854	Web
the following accounts appear on my credit report without authorization Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
07/08/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MO 64030	Web
I have a credit score around 700 I have 0 % debt ratio utilization I have {$12000.00} monthly income There is no way I should have been denied a car loan with 2 paid off vehicles showing and never being late 1x.
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 300XX	Web
i have this on my XXXX report that i requested a inquire but i was in a XXXX and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report
06/15/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	VA 22030	Web
XXXX loan XXXX They charge me XXXX late fee with in my grace period 10 days due dateXXXX every month i made payment for month of XXXX XXXX the XXXX with in grace period and they wouldn't give me refund XXXX
09/16/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32818	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
04/16/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NJ XXXXX	Web
My loan was paid in full in XX/XX/2023. It is now mid-XXXXXXXX & I have not yet received title and/or other documentation confirming that the lien is satisfied and that the vehicle is no longer encumbered.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33319	Web
My car was total lost in the Florida flood on XX/XX/2023 and XXXX insurance paid my car off in full. It was never late. I contacted the merchant several times and provided them proof and still no updates.
09/04/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL XXXXX	Web
Made a payment to Mercedes Benz Financial over the phone on time ; however, Mercedes Benz posted the payment late then sent my information to the Credit Bureau as a late-delinquent payment frivolously.
10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30135	Web
On XX/XX/2022 hard inquires was pulled from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my knowledge , I sent dispute letters 2 months ago but have not gotten any response back from the creditors.
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MA 02301	Web
Hello! i hope you doing well, I noticed unauthorized inquiries on my credit report that I like to be removed, and according to FCRA these unverified and unauthorized items must be removed, thank you!
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89074	Web
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX Balance : {$42000.00}
05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33172	Web
I had and account with mercedes-Benz and made e transfer on XXXX from me to my friend XXXX XXXX, i am proveviding proff of that in this report,,,,, ,This auto is not mine this is a mistake ....
01/15/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OH 44146	Web
Ive tried to get this off my credit for months on a repossession of a XXXX XXXX XXXX XXXX XXXX I didnt have that on my credit score and it was saying I owe XXXX towards the repossessed car
07/11/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NY 12208	Web
Was charged for tow truck to reposes my car was charged down payment company not allowing any hardship assistance or education canceled contract and still want me to abide by old contract
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94598	Web
I recently reviewed my credit report, this account was opened without my authorization. Please send send a copy of the original application and a copy of identification used this account.
08/25/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30083	Web
Affidavit was sent to Mercerdes Benz Financial services, it was never rebutted by affidavit as requested, they have acquiesced to my right of possession under ucc 9-609 after default.
06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10451	Web
I WAS VICTIM OF IDENTITY THEFT, AS A RESULT THESE ACCOUNT IS REPORTING IN MY CREDIT, ILLIGALITY, IS NOT MINE AND NEVER AHD DONE BUSSINES WITH THIS COMPANY MB FINANCIAL SERVICES # XXXX
02/15/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	DC 20010	Web
My original complaint # XXXX, was closed today, XX/XX/2023, by Mercedes-Benz with explanation . The company 's explanation is insufficient and in dishonor. This matter is still open.
10/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	FL 347XX	Web
Mercedes keeps reporting to my credit as an open account with payments made, which the account was closed in XX/XX/2020. They need to correct their discrepancies as soon as possible.
12/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21239	Web	Servicemember
I reach out to all XXXX credit Agency. And I request for this matter to be removed due to the fact I did not authorize it to be on my consumer report and the credit agency to refuse.
01/11/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	PA 19154	Web
Paid an unauthorized downpayment transaction on a vehicle at the dealership in a consumer finance charge and everything was not included in the finance charge, such as insurance.
04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95762	Web
MB FINANCIAL SERVICES # XXXX is still reporting incorrectly on my credit report with a balance. This account has been dismissed in Court and should not be on my credit report/
01/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY XXXXX	Web
I did not authorize this company to pull my credit report they have pulled my XXXX and XXXX report i have tried to get this dealt with but they have not been helpful at all
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 770XX	Web
I have an unauthorized hard inquiry on my account from Mercedes Benz Financial dated for XX/XX/2023 that I did not authorize and would like deleted from my credit report.
06/16/2017	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	FL 33544	Web
the lease car E350 2012 Mercedes Benz was returned on time after lease was over want me to pay the balance. I want to returned the car not to refinanced or pay off.
01/18/2020	Yes	Vehicle loan or lease Lease	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	CA 91405	Web
I'M A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION WITHOUT ME : I want to remove this accounts, please dispute this accounts because it's a fraud
12/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.
03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MS 39206	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
10/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30038	Web
I have filed a dispute pertaining incorrect items on my credit report, and it has been well over 30 days and I have not gotten the investigation results.
03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY XXXXX	Web
The credit bureaus and Mercedes Benz is showing the incorrect balance. This loan was paid off the balance its {$0.00}. The incorrect amount is reporting
10/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 08360	Web
Mercedes Benz placed an inquiry on credit file. Credit isn't sufficient enough to apply for such a vehicle. Requesting validation of signature.
09/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	NV 894XX	Web	Older American
Mercedes financial 2 yrs ago accepted my lease turn in and then charged me {$1000.00} for extras and I had made all My payments for 3 yrs lease
05/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 306XX	Web
Mercedes Benz of XXXX ran my credit three times with out my consent the inquiry dates are XXXX 2018 ,XXXX/18 ,XXXX/18 under MB Fin SvCs
03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89113	Web
MB Fin Services is showing lates on my account that should not even exist. I see also a repo that didn't even happen? Please remove it.
04/06/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 77063	Web
MBFS has failed to respond to me or the Attorney General about complaint Number XXXX in reference to the Full Satisfaction of claims.
04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92377	Web
I have unauthorized hard inquiries from this company showing on my credit which is affecting my financial situation drastically.
06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 622XX	Web
I have no knowledge of any of the accounts in my report. I have never had an account with any creditors reporting on my report..
04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33186	Web
Im having an issue where my current car lease from Mercedes Benz its showing a late payment for XXXX and payment was never late
10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CT 060XX	Web
During car shopping @ Mercedes Benz. There are 2 hard inquiries from the same day. How is that fair?! System is XXXX up
08/08/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	NC 28079	Web
There was a Derogatory mark added to my credit with no warning or no payment plan sent to me to take care of my lease.
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 480XX	Web
I have credit inquires that I have no knowledge of and did not give my consent to check my credit on my credit file
01/03/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30349	Web
Mercedes Benz and XXXX XXXX has denied our private International right to contract by denying our promissory note!
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07002	Web
MB Fin Services Account # XXXX report date XX/XX/2023 Filed disputes to get it updated and charge off removed.
05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39503	Web
the car at question is a XXXX XXXX XXXX the company is Mercedes Benz financial the account is not mine
02/23/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 76018	Web
On XXXX XXXX 2023 i requested to be put on the XXXX ( do not call ) list yet i am still being called
10/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 984XX	Web
I felt coerced. I did not authorize these inquiries regarding my credit report due to inaccuracy.
06/12/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 90048	Web
My vehicle was repossessed after being late on my payment by a month during a global pandemic.
11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95380	Web
I HAVE NO RECOLLECTION OF EVER USING THIS CREDIT SERVICE OR APPLING FOR ANYTHING WITH THEM.
11/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92660	Web
My old Benz lease account was closed. This new lease account is not under my name
11/18/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	CT 06405	Web
The loan was pain in full XX/XX/2022. I still have not received my overpayment.
09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NY 10473	Web
Mercedes Benz Financial Account is being reported inaccurately. It is current.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11364	Web
I never received the bill from the Car loan company. They never contacted me.
09/25/2021	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30274	Web
I need them to update my credit report is still reported Balance since XXXX
10/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 984XX	Web
The information provided on my credit report is inaccurate.
04/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	VA 235XX	Web
wrong address wrong information showing on credit report
10/29/2016	No	Consumer Loan Vehicle loan	Shopping for a loan or lease	NJ 07036	Web
I did not authorize credit inquiry from this company.
11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30305	Web
Company was unauthorized to run credit.
10/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90710	Web	Older American
never i got possesion on the car.
09/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33032	Web
Im a victim of identity theft
02/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91016	Web

02/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29617	Web	Servicemember

02/08/2024	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 94513	Web

02/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85251	Web

02/07/2024	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	IL 611XX	Web	Older American

02/06/2024	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	MD XXXXX	Web

02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20005	Web

02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08505	Web

02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 119XX	Web

02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07002	Web

01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33023	Web

01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33511	Web

01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90210	Web

01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30019	Web	Servicemember

01/26/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	DE 19711	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	DC 20011	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 350XX	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33324	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30319	Web

01/24/2024	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	FL 34209	Web	Older American, Servicemember

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30326	Web	Servicemember

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11229	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21117	Web

01/22/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	FL 33014	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	UT 84098	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	CA 91765	Web	Older American, Servicemember

01/19/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	WV 25302	Referral

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33160	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11229	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89146	Web

01/18/2024	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 11229	Web

01/18/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 90049	Web

01/17/2024	Yes	Vehicle loan or lease Lease	Repossession Deficiency balance after repossession	CA 95128	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 15202	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 334XX	Web

01/12/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	VA 20176	Web

01/11/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	MO 63102	Web

01/11/2024	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	GA 30328	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23320	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07002	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33604	Web

01/09/2024	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	CA 902XX	Web

01/09/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94544	Web

01/09/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 77494	Web

01/08/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL XXXXX	Web

01/08/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90046	Web

01/07/2024	Yes	Vehicle loan or lease Lease	Repossession Loan balance remaining after the vehicle is repossessed and sold	MA 01841	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 90292	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60659	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 91361	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77459	Web

01/05/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NV XXXXX	Web

01/05/2024	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 91423	Web

01/04/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NJ 08901	Web

01/04/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90069	Web

01/03/2024	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	NJ 07090	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93637	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94014	Web

12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75010	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64118	Web

12/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MS 39305	Web	Servicemember

12/26/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93021	Web

12/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30223	Web

12/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92336	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33179	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07002	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77469	Web

12/21/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 77494	Web	Servicemember

12/21/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 75254	Web

12/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account status incorrect	NJ 08046	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33190	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33013	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08104	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 22066	Web	Servicemember

12/19/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 94941	Web

12/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NY 11226	Web

12/18/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 90027	Web

12/17/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MS 39501	Web

12/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	NY 11226	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30326	Web	Servicemember

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 303XX	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93245	Web

12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21117	Web

12/01/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	FL 33785	Web

11/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 33054	Web

11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33032	Web

11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10453	Web

11/25/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX 75034	Web

11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19428	Web

11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90029	Web

11/22/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	WV 25302	Referral

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33013	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11229	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90745	Web

11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07060	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92679	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89146	Web

11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33027	Web

11/09/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Personal information incorrect	NY 11226	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07203	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89113	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33604	Web

11/07/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	PA 19146	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22193	Web

11/02/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NY 11234	Referral

11/01/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	VA 22193	Web

10/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	IL 62221	Web	Servicemember

10/27/2023	Yes	Vehicle loan or lease Loan	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 07078	Web

10/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NY 11234	Web

10/26/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	IL 62221	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11691	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11436	Web

10/23/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	WV 25302	Web

10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30349	Web

10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94114	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21117	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19138	Web

10/13/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	NY 11557	Web

10/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 21221	Web

10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90010	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11375	Web

10/05/2023	Yes	Vehicle loan or lease Lease	Repossession Notice to repossess	CA 95128	Web

09/29/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	OH 44305	Web

09/29/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33324	Web	Servicemember

09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33615	Web

09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75240	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90039	Web

09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91729	Web

09/21/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	AL 35212	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77075	Web

09/19/2023	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	DE 19977	Web

09/18/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 92868	Web

09/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89123	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11235	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30071	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78680	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77069	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33169	Web

08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28210	Web

08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45342	Web

08/24/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	FL 33143	Web

08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46307	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60565	Web

08/17/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NY 11236	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 94566	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33167	Web	Servicemember

08/14/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	FL 33143	Web

08/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77433	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90016	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	VA 22193	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94503	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48128	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77056	Web

08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77056	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93245	Web

08/02/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MS 39601	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37203	Web

07/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60629	Web

07/29/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	CA 91730	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90010	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60629	Web

07/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33675	Phone

07/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MD 21136	Web

07/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	FL 33034	Web	Servicemember

07/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 77433	Web

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33020	Web

07/17/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 91911	Web

07/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NJ 07111	Phone

07/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90807	Web

07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90010	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92037	Web

07/10/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NY 11412	Web

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32307	Web

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19116	Web

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19116	Web

07/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	DE 19977	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95341	Phone

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95842	Web

06/26/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	CA 91776	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45069	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45069	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33713	Web

06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91765	Web	Older American, Servicemember

06/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CT 06484	Web

06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	CA 90265	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32307	Web

06/20/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	KS 66109	Phone

06/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 32714	Web

06/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	ME 04240	Web

06/16/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Confusing or misleading advertising	OH 44149	Web

06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 33936	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89178	Web

06/08/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	IL 60422	Web

06/07/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	IL 60454	Web

06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30344	Web

05/28/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90305	Web

05/27/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	TX 76502	Web

05/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 32714	Web

05/23/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32303	Web

05/22/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	PA 19138	Web

05/21/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30344	Web

05/20/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	LA 70506	Web

05/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32303	Web

05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77004	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21224	Web

05/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 91304	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48228	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75407	Web

04/28/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	DC 20019	Web

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32837	Web

04/16/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MD 20785	Web

04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33607	Web

04/12/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 90012	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19115	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33032	Web

04/10/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90242	Web

04/10/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 33415	Web

04/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 76706	Referral

04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30033	Web

03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11229	Web

03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34638	Web

03/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33023	Web

03/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 32246	Web

03/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33607	Web

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77346	Web	Servicemember

03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21224	Web

03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07644	Web

03/19/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 78665	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91730	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92335	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07644	Web

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90221	Web

03/08/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33141	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77008	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11229	Web

03/02/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TN 38127	Phone

02/28/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NY 10029	Phone

02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75094	Web

02/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IL 60626	Phone

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CO 80033	Web

02/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33025	Phone

02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07726	Web

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33346	Web

02/06/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MI 48228	Phone

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89117	Web

02/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CT 06037	Web

02/01/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77346	Web

02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70364	Web

01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33346	Web

01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 19734	Phone

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30004	Phone	Servicemember

01/29/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NJ 07920	Web

01/26/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33023	Postal mail

01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33161	Web

01/19/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NJ 07205	Web

01/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 32246	Web

01/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 92081	Phone

01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20603	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90039	Web

01/07/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	CA 90025	Web

01/04/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 32246	Web

01/04/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 34638	Web

12/29/2022	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NY 11236	Web

12/29/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77092	Web

12/29/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77092	Web

12/28/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30052	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77092	Web

12/24/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	CT 06484	Web

12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19154	Web

12/20/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 10453	Web Referral

12/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32401	Web

12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90038	Web

12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33062	Web

12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33032	Web

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33625	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92139	Web	Servicemember

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07644	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44504	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06126	Web

12/05/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	NY 11235	Web

12/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11003	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77079	Web

11/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33472	Web

11/22/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PA 19142	Web	Servicemember

11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11413	Web

11/21/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	IL 60555	Web

11/15/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 77002	Web

11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32526	Web

11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11229	Web

11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75206	Web

11/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90065	Web

10/28/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NJ 08057	Web Referral

10/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	VA 22310	Web

10/24/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with signing the paperwork	MD 21239	Phone

10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30045	Web

10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	CA 90008	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60107	Web

10/17/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	NJ 08820	Web Referral

10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19105	Web

10/05/2022	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	MA 02155	Web

10/04/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	TX 77079	Web

10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32304	Web	Servicemember

10/03/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC 28215	Web

09/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	FL 33133	Web

09/28/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MS 39071	Web

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11203	Web

09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91791	Web	Servicemember

09/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11412	Web

09/06/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KS 66109	Phone

08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70811	Web

08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20716	Web

08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36117	Web

08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60659	Web

08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30213	Web

08/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94043	Web

08/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 439XX	Web

08/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 92081	Web	Servicemember

08/13/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33137	Web

08/13/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	PA 19138	Web

08/12/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OK 74137	Phone

08/10/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 78727	Web

08/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77388	Web	Servicemember

08/03/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77429	Web	Servicemember

08/02/2022	Yes	Vehicle loan or lease Lease	Credit monitoring or identity theft protection services Problem with product or service terms changing	NY 10977	Web

08/01/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 95661	Web

07/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30327	Web

07/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 91978	Web

07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02453	Web

07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91709	Phone

07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30213	Web

07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77459	Web

07/09/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77459	Web

07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60120	Web

07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93710	Web

06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91730	Web

06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92122	Web

06/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 07452	Web

06/15/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	MA 02453	Referral

06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02453	Web

06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34787	Web

06/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 90014	Web

06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93638	Web

06/06/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	AR 71854	Phone	Servicemember

06/06/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30344	Web

06/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90027	Web

06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45140	Web

06/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93021	Web

05/31/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33069	Web

05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33020	Web

05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32703	Web

05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08861	Web

05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45140	Web

05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 77407	Web

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02453	Referral

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98030	Web

05/16/2022	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	AL 35405	Phone	Servicemember

05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 01887	Web

05/11/2022	No	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90220	Phone

05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77494	Web

05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OR 97236	Web

05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19053	Web

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77478	Web

04/28/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	FL 33428	Web

04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	SC 29466	Web

04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90305	Web

04/22/2022	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	CO 81501	Web

04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91362	Web

04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28216	Web

04/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02745	Web

04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07024	Web

04/11/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 90015	Web

04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 91978	Web

04/07/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY 11784	Web

04/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33193	Web

04/05/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NJ 07040	Phone

04/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91303	Web

04/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91303	Web

04/02/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	PA 19401	Web

03/31/2022	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	CA 90805	Phone

03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

03/21/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	AZ 85382	Web

03/08/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	NV 89030	Web

03/08/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY 11784	Web

02/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33025	Web

02/25/2022	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	AL 36693	Web

02/21/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 18974	Web

02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91344	Phone

02/16/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 11784	Web

02/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30349	Web

02/09/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	FL 33541	Web

02/07/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	TX 77406	Web

02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92009	Web

02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02081	Web

02/04/2022	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Problem with customer service	NV 89103	Web

02/02/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	NY 11235	Web

02/01/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 94557	Web

01/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33160	Web

01/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33160	Web

01/28/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32218	Web

01/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33487	Web

01/26/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	TX 76539	Phone

01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 94115	Web

01/17/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	NY 11235	Web

01/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20910	Web

01/10/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	LA 70748	Web

01/10/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 94027	Web

01/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92623	Web

01/07/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 78724	Web

01/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33009	Web

01/05/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	DC 20019	Web

12/30/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CT 06511	Web

12/30/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	CA 92660	Web	Servicemember

12/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33572	Web

12/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91206	Web

12/14/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19105	Web

12/13/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 90019	Web

12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93021	Web

12/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77494	Web	Servicemember

12/12/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 34685	Web

12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23832	Web

12/04/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem related to refinancing	NY 11566	Web

12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10303	Web

11/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33428	Web

11/28/2021	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92623	Web

11/24/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CT 06511	Web

11/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02745	Web

11/21/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 06511	Web

11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07087	Web

11/14/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33194	Web

11/14/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CT 06511	Web

11/10/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 902XX	Web

11/08/2021	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	CA 91344	Phone

11/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91203	Web

11/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

10/28/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA 19145	Web

10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19720	Web

10/28/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 06511	Web

10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60110	Web

10/25/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	AL 35405	Phone

10/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70810	Web

10/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33154	Web

10/21/2021	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	CA 90049	Web

10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30312	Web

10/20/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	LA 70115	Web

10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NY 11235	Web

10/18/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	AL 35405	Phone

10/16/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MA 01841	Web

10/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91109	Web	Servicemember

10/09/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 06511	Web

10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30238	Web

10/04/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 06511	Web

09/27/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30265	Phone

09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08854	Web

09/25/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 90019	Web

09/24/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	AL 35405	Phone

09/21/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30154	Referral

09/20/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	FL 32789	Web

09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	IA 50023	Web

09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22408	Web	Servicemember

09/13/2021	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Lost or stolen check	NJ 07430	Web	Older American

09/09/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 06511	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89102	Web

09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85295	Web	Servicemember

09/04/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX 76227	Web

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90048	Web

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91605	Web

08/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02081	Web

08/24/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 11358	Web

08/20/2021	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 19145	Web

08/18/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CT 06605	Postal mail

08/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19901	Web

08/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30213	Web	Servicemember

08/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11003	Web

08/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11003	Web

08/08/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 06511	Web

08/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30035	Web

08/04/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	CT 06511	Referral

08/03/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 91401	Web

08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92618	Web

08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23185	Web

07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34761	Web

07/28/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 79912	Phone

07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91352	Web

07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91042	Web

07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91202	Web

07/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91101	Web

07/19/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	NJ 08816	Web

07/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94066	Web

07/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91605	Web

07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91042	Web

07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91606	Web

07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91606	Web

07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34761	Web

07/14/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 94806	Phone

07/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23188	Web

07/09/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33549	Web

06/30/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	NJ 08833	Web

06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KY 40229	Web

06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91355	Web

06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OK 73120	Web

06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91042	Web

06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10024	Web

06/16/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	VA 23112	Phone

06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91405	Web

06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91206	Web

06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30324	Web

06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30324	Web

06/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33584	Web	Servicemember

06/11/2021	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	CA 93314	Web

06/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95231	Web

06/02/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 91401	Web

06/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30349	Web

05/29/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 06511	Web

05/28/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 770XX	Web	Older American

05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 33020	Web

05/22/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CT 06511	Web

05/21/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	CA 94941	Web

05/19/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CT 06511	Web

05/13/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CT 06511	Web

05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22079	Web	Servicemember

05/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60440	Web

05/04/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 77489	Web

04/22/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 91401	Web

04/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	CA 95231	Web

04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11224	Web

04/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32818	Web

04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90028	Web

04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33773	Web

04/12/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	MS 38672	Postal mail

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27591	Web

04/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75287	Web	Servicemember

03/26/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60615	Web

03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30331	Web

03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Received unsolicited financial product or insurance offers after opting out	FL 33169	Web

03/11/2021	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MD 21014	Web

03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 06708	Web

03/02/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	NY 12528	Phone	Older American

03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97030	Web

03/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 34212	Web

02/23/2021	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NJ 07052	Web	Older American

02/22/2021	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30213	Web

02/21/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	NJ 07302	Web

02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70769	Web

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15220	Web

02/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 79938	Web

02/13/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 95054	Web

02/13/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IL 60803	Web

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10523	Web

02/11/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32566	Referral

01/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33178	Web

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07031	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75068	Web

01/21/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	MD 20746	Web	Servicemember

01/20/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 92121	Web

01/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28273	Web

01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44112	Web

01/11/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 91302	Fax

01/11/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	VA 22307	Web

01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11003	Web

01/04/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 95827	Web	Servicemember

01/04/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90019	Web

01/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02081	Web

12/30/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 92121	Web

12/22/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 91401	Web

12/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32818	Web

12/14/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 92121	Web

12/09/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	CA 92603	Web

11/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10701	Referral

11/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07083	Referral

11/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90025	Referral

11/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30518	Web

11/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27610	Phone

11/13/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 75243	Web

11/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60022	Web

10/29/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	NJ 07722	Postal mail

10/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60022	Web

10/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02148	Web

09/28/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 90045	Web

09/28/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early		Phone

09/26/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 94110	Web

09/24/2020	Yes	Vehicle loan or lease Lease	Getting a loan or lease Confusing or misleading advertising	CA 95678	Web

09/03/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NV 89030	Web

09/02/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	GA 30274	Phone

09/01/2020	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	FL 33023	Web

08/30/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95377	Referral	Servicemember

08/20/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MD 21117	Web

08/17/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	CA 90305	Web

08/14/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	CA 92037	Phone

08/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 06019	Phone

08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07304	Web

07/28/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AR 72855	Web

07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33315	Web

07/20/2020	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	NJ 07753	Web

07/18/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	CA 91402	Web

07/09/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	MD 21029	Web

07/09/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 96001	Web

07/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33025	Web

07/02/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 90045	Web

06/25/2020	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Billing dispute for services	NY 10465	Postal mail

06/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30094	Web	Servicemember

06/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	VA 23156	Web

06/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30324	Web

06/12/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90660	Web

06/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95377	Web	Servicemember

05/27/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged		Phone

05/24/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MO 64030	Web

05/19/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MO 64030	Web

05/15/2020	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	NV 89148	Web

04/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11691	Web

04/22/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 90025	Referral

04/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90025	Web

04/18/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	WA 98053	Web

04/15/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	CA 91325	Web

04/14/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NV 89117	Web

04/03/2020	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	NV 89139	Web

03/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94542	Web

03/11/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78610	Web

03/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10011	Web

03/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	IL 60639	Web

02/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33180	Web

02/25/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	CA 92115	Web

02/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20721	Postal mail

02/03/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IN 46202	Web

01/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KY 40229	Web

12/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AS 96799	Web

12/14/2019	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	NV 89113	Web

12/12/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 11580	Referral

11/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45322	Web

11/06/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 95112	Postal mail

10/29/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	NC 28210	Web

10/10/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 92660	Web

10/07/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 11234	Web

09/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07093	Web

09/18/2019	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75068	Web

09/12/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	TX 77095	Phone

08/27/2019	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	PA 19086	Web

08/08/2019	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30310	Web

08/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY 11422	Web

08/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90210	Web

07/26/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Termination fees or other problem when ending the lease early	NY 10001	Web

07/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23701	Web

07/09/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 78045	Phone

07/08/2019	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MD 21009	Web

07/06/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90210	Web

06/24/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	IL 60540	Postal mail

06/12/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 90292	Web	Older American

05/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33169	Web

05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21220	Web

05/17/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX 78640	Phone

05/04/2019	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30294	Web

04/25/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	XXXXX	Web

04/14/2019	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	CO 80004	Web	Servicemember

04/10/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 93111	Web

04/09/2019	Yes	Vehicle loan or lease Lease	Incorrect information on your report Old information reappears or never goes away	CO 80004	Web	Servicemember

04/03/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07670	Web

03/26/2019	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33022	Phone

03/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95404	Web

03/06/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	IN 46202	Web

03/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90046	Web	Servicemember

03/04/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 94062	Web

02/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45322	Web

02/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78045	Web

02/06/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	NV 89113	Postal mail

01/29/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	FL 34114	Web

01/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91302	Web

01/17/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	FL 33327	Web

01/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02210	Web	Servicemember

01/11/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 90802	Referral

01/03/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan		Phone

01/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15143	Web

12/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90019	Web

12/08/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33614	Web

12/06/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91376	Web

12/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80004	Web

12/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80004	Web

11/21/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	MA 02563	Postal mail

11/06/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem		Phone

11/05/2018	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	FL 33487	Web

10/31/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92660	Web

10/17/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20744	Web	Servicemember

10/16/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	TX 78741	Web

10/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91207	Web

10/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91343	Web

09/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days		Phone

09/20/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	MD 20852	Web

09/05/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90055	Web

08/21/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

08/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90046	Web

08/19/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33328	Web

08/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91326	Web

08/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91326	Web

08/04/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MD 20772	Web

07/21/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91364	Web

07/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 70058	Web

06/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90019	Web

05/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91325	Web

05/22/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 10567	Web	Older American

05/21/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	CA 92117	Postal mail

04/30/2018	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 20874	Web

04/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92394	Web	Servicemember

04/26/2018	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AK 99801	Web

04/24/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92154	Phone

04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76087	Web

04/09/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 94065	Web

03/21/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 92563	Web

03/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07649	Web

03/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30546	Web

03/12/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CT 06502	Web	Older American

03/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33541	Web

03/02/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	CA 92614	Web

03/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90020	Web

02/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30339	Web

02/26/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 94568	Web

02/22/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	CA 91343	Postal mail

02/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76087	Web

02/02/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NV 89113	Fax

01/30/2018	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	CA 90815	Web

01/17/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 31791	Web

01/12/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33067	Postal mail

01/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10467	Fax

01/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92673	Web

12/14/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 91426	Fax

11/06/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt		Phone

10/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OR 97701	Web

10/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30088	Web

09/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90277	Web

09/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60605	Web

08/31/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 22124	Phone

08/24/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem		Phone

08/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10803	Web

08/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NJ 07670	Web

08/03/2017	Yes	Vehicle loan or lease Lease	Credit monitoring or identity theft protection services Billing dispute for services	NJ 07760	Referral

07/31/2017	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	WI 53581	Web

07/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 20171	Web

07/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20005	Web

06/20/2017	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem extending the lease	CT 06033	Web

06/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75206	Postal mail

06/09/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	DC 20009	Referral

05/26/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 92003	Phone

05/25/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	PA 18901	Web

05/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11358	Postal mail

05/16/2017	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PA 19096	Postal mail

05/05/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 92673	Web	Servicemember

04/19/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NY 10803	Web

04/10/2017	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	NJ 07024	Web

04/03/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	FL 33137	Web

03/28/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NY 10128	Postal mail

03/23/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 60419	Referral

03/10/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NY 10704	Web

03/07/2017	No	Consumer Loan Vehicle loan	Managing the loan or lease	NV 89027	Web

02/28/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	CO 80005	Web

02/16/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NJ 08840	Web

02/13/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	NY 10803	Web

01/30/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	SC 29365	Web

01/26/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	CO 80005	Web

01/25/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	FL 33137	Web

01/17/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	LA 70119	Web

01/12/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NY 11563	Web

01/11/2017	Yes	Credit reporting	Incorrect information on credit report Account status	OH 44111	Fax

12/14/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 60521	Web

12/11/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	SC 29365	Web

12/05/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MI 48188	Fax

11/18/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	LA 70119	Web

11/16/2016	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	GA 30114	Referral

11/15/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 95758	Web

11/06/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 92606	Web

10/12/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32003	Web

08/15/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	VA 23188	Phone	Older American

08/10/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	VA 24176	Web	Older American

08/01/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90046	Phone

07/15/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MD 20772	Web

07/14/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MO 63701	Referral

06/20/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	VA 24121	Web

06/05/2016	Yes	Consumer Loan Vehicle lease	Shopping for a loan or lease	CT 06902	Web

05/19/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	IL 60804	Web

05/12/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 60091	Phone	Older American

04/18/2016	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	OR 97219	Web

04/15/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 94801	Fax

04/01/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 94023	Web

02/26/2016	No	Consumer Loan Vehicle lease	Managing the loan or lease	CA 92657	Web

02/12/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 91335	Web

11/24/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 23320	Web	Older American

11/11/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	CA 92618	Web

11/10/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	PA 18436	Web

11/04/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 90723	Web

09/25/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	NV 89113	Fax

09/22/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	OH 44202	Referral

09/19/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NY 10312	Web

09/08/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 91601	Web

08/31/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	PA 18704	Fax	Older American

08/12/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 91342	Phone	Older American

07/24/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NY 10312	Web

06/23/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	DC 20036	Web

06/16/2015	Yes	Debt collection Auto	Taking/threatening an illegal action Sued where didn't live/sign for debt	NY 11561	Postal mail

06/04/2015	Yes	Consumer Loan Vehicle lease	Shopping for a loan or lease	CA 90046	Web

05/31/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 20910	Web

05/26/2015	Yes	Credit reporting	Incorrect information on credit report Account terms	FL 32829	Web

04/18/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	MI 49337	Web

03/16/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33179	Web

03/13/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 75207	Web

03/10/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 94087	Web

03/05/2015	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	FL 33134	Referral

03/04/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 92673	Web

03/02/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 78714	Web

01/08/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 90046	Web

01/02/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MD 21117	Web

12/23/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	PA 19143	Web

12/09/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NV 89113	Postal mail

12/05/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 94607	Web

11/18/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	WA 98108	Web

10/27/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 32641	Web	Older American, Servicemember

10/03/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NY 10950	Phone

09/29/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CT 06457	Web

09/12/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 19143	Web

09/02/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MD 20748	Web	Older American

08/23/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 95350	Web

08/19/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NY 10950	Phone

08/11/2014	Yes	Consumer Loan Vehicle lease	Shopping for a loan or lease	CA 91105	Web	Servicemember

08/11/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	MN 55408	Web

08/01/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90213	Referral

08/01/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	AR 72712	Web

07/28/2014	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	CA 91604	Web

07/28/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MD 20748	Web

07/16/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	PA 19540	Web

07/01/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NJ 07931	Web	Older American

06/30/2014	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	MD 20748	Web

06/06/2014	No	Consumer Loan Vehicle lease	Shopping for a loan or lease	VA 20169	Web	Older American

05/12/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NY 14204	Web

04/15/2014	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	NY 11105	Web

04/07/2014	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	TX 76179	Web

03/29/2014	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	CA 91335	Web

03/19/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60645	Web

03/15/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 93021	Web

02/21/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NY 11955	Referral

01/30/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	AZ 86351	Postal mail

01/29/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 76034	Web

01/15/2014	Yes	Debt collection Auto	Taking/threatening an illegal action Seized/Attempted to seize property	MI 48187	Web

01/10/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	MI 48098	Web

12/26/2013	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	CA 92708	Postal mail

12/17/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93021	Web

11/18/2013	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	CO 80209	Web

11/13/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92692	Web

11/04/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75206	Web

09/16/2013	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 92028	Web

09/11/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 20171	Phone

08/24/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NJ 08010	Web

05/21/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32801	Phone

03/07/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90295	Referral

03/07/2013	No	Consumer Loan Vehicle loan	Managing the loan or lease	TN 38119	Fax

02/22/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32240	Web

02/21/2013	No	Consumer Loan Vehicle lease	Taking out the loan or lease	CT 06811	Web

01/15/2013	No	Consumer Loan Vehicle lease	Managing the loan or lease	NC 28605	Web	Older American

12/20/2012	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	WV 26753	Web

11/02/2012	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	LA 70364	Referral

10/04/2012	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 90046	Web

08/27/2012	No	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92672	Web

08/20/2012	No	Consumer Loan Vehicle lease	Problems when you are unable to pay	HI 96709	Web

03/21/2012	No	Consumer Loan Vehicle loan	Managing the loan or lease	WV 26753	Web