Consumer complaint received 2022-01-14
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
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.

Company response to consumer: Closed with explanation