Consumer complaint received 2022-10-12
Company: Stellantis Financial Services US Corp.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have repeatedly have tried to contact First Investors AKA Stellantis Financial Services. I am getting no response and no help. I opened my loan with this company in XX/XX/XXXX. I had made all of my payments debit for each month. Nobody at First Investors contacted me until I called in a payment for the month of XXXX to pay via phone ( I usually make my payments online ) and my account showed normal and on time. While on the phone with this operator in XX/XX/XXXX. This operator advised I was multiple months behind on my loan and I advised them that is impossible because everytime I have made my payments the money is debit from my account ( s ). The operator kept telling me that EACH bank I used was putting a " stop '' on the payments. I contacted my bank ( s ) and each bank advised that they were not putting " stop '' on my payments and that the recipient had received the funds. First Investors claimed that they " refunded '' stop payments to me BUT I NEVER received a refund from First Investors. In order to get my money back I had to file disputes ( MULTIPLE ) to get my money back just to deposit it into a different account and repay the money. Which I did. My account appeared current everytime I logged in online which I did almost weekly to keep track. There was no evidence/reason for me to feel that there was anything wrong. I attempted to contact First Investors Compliance Department MULTIPLE times with NO assistance. In order for First Investors to even research and correct their wrongful documentation and negligence I had to report First Investors to your agency ( CFPB ) and the Federal Reserve. The DAY AFTER filing these complaints First Investors looked into my account after I had called and told an operator that I had reported them to these agencies due to being negligent. First Investors claimed I owed them money, which I didn't. Their agency documented my account incorrectly and therefore they had falsely reported to the credit burues which I tried for weeks to get help and NEVER DID. This is NOT the first complaint this company has received in reference to this same issue. The day after reporting first investors to government agencies they finally researched my account and advised me that an employee incorrectly documented my account and that they were going to correct their mistake financially on my account due to their negligence and claiming I owed them money ( which I did not ). I made each one of my payments. Due to this negligence they falsely reported to the credit burues and I have attempted to reach out to this agency via email to the CHIEF COMPLIANCE OFFICER XXXX XXXX, XXXX XXXX, AND the Credit Compliance department with First Investors AKA Stellantis Financial Services. I have got no response in reference to my inquiry. They have claimed to have corrected the report to the credit burues BUT THEY HAVE NOT! I have even sent them copies of my credit reporting and still NO RESPONSE. This company is falsely reporting information and neglecting to correct their mistake. ONCE AGAIN! 

please help me. I also on this date, XX/XX/XXXX, I submitted a report to https : //www.econsumer.gov. I can provide this reference number at your request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief