Consumer complaint received 2023-07-18
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
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.

Company response to consumer: Closed with explanation