Consumer complaint received 2024-06-15
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Stellantis Financial Services US Corp. (OR)

Summary : I purchased/leased a XXXX XXXX XXXX XXXX around the beginning of XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon. After signing the contract, I was told by the dealership that everything was set, and I left without receiving any paperwork. By XXXX, I had not received any statements or payment information and became concerned about where to send my payments. 

Details : Initial Purchase and Lack of Paperwork : Purchased/leased the vehicle in XX/XX/XXXX. 
Left the dealership without any paperwork after being told everything was complete. 
Attempts to Resolve : Contacted the salesman, in XXXX to inquire about the missing statements and payment instructions. 
On XX/XX/XXXX, at XXXXXXXX XXXX, I asked my cousin to call salesperson to inquire about the missing statements. XXXX assured me the information would arrive soon but did not follow up with any concrete details. 
On XX/XX/XXXX, after my car was repossessed, I visited the XXXX dealership and discovered that the address on file was incorrect. The dealership had the same incorrect address that Stellantis had. 
I informed the dealership that it was their mistake to input the wrong address. They responded that I should have checked better. When I asked XXXX for help in XXXX, he said I should talk to the finance manager directly, not him at that time. 
Repossession of Vehicle : On XX/XX/XXXX, my car was repossessed without prior notice. 
My cousin contacted XXXX, XXXX XXXX, and Stellantis to investigate the issue.

Discovered that my account existed with Stellantis, but the address on file was incorrect, leading to a lack of communication regarding payments.

Current Situation : Stellantis stated my account was behind on payments and had been closed, with the only option being to pay off the entire amount of over {$50000.00} to retrieve the vehicle. 
Offered to pay all past-due amounts immediately to bring the account current and prevent further damage to my credit, but this was refused. 
Due to this situation, my credit has already been negatively impacted. 
Impact : I am not struggling financially but do not have the means to pay over {$50000.00} in a lump sum. 
My credit has been damaged, affecting my ability to refinance or secure loans. 
As an immigrant with limited XXXX proficiency, communication barriers have exacerbated the issue. 
Resolution Sought : I am willing to pay all past-due amounts immediately to bring my account current and recover my vehicle. 
Request assistance in correcting the address on file and ensuring proper communication moving forward. 
Seek to repair my credit and remove any negative marks related to this issue. 
Supporting Documentation : Contract and purchase documents ( if available ). 
Records of communication with the dealership, XXXX XXXX, and Stellantis, including : Call made by my cousin on XX/XX/XXXX, at XXXXXXXX XXXX to inquire about the missing statements. 
Communication made by my cousin on XX/XX/XXXX, from XXXXXXXX XXXX to XXXXXXXX XXXX with XXXX and XXXX XXXX. 
Communication made by my cousin on XX/XX/XXXX, from XXXX XXXX to XXXX XXXX with Stellantis. 
Contact Information : Dealership Contact Information : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX Phone : ( XXXX ) XXXX Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely,