Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Stellantis Financial Services US Corp.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( as the financing entity relying on dealer submissions ) Complaint Summary I am submitting this complaint because I was deceived into becoming the sole borrower and titled owner of a vehicle without my knowledge or consent. I was presented as a co-signer only, but the dealership structured the transaction so that I became 100 % responsible for the loan, based on false information submitted by the dealer. 



Detailed Explanation of What Happened I agreed to assist XXXX XXXX XXXX XXXX by acting as a co-signer only on a vehicle purchase at XXXX XXXX XXXX. I was explicitly told by the dealer that the vehicle would be in XXXX XXXX name, and that my role was limited to supporting the loan. 

I was never informed, verbally or in writing, that : The vehicle would be titled solely in my name The loan would be 100 % my responsibility I would be listed as the primary and only borrower I did not consent to assuming full ownership or full loan responsibility. 



Misrepresentation and Falsified Loan Information The dealer submitted false information on the financing application, including : Claiming I provided {$1000.00} cash down payment This is false. I did not provide any cash. 
Claiming a trade-in vehicle was contributed by me This is false. The trade-in vehicle was titled only in my grandsons name. I did not own or trade in a vehicle. 
Representing that I was the primary borrower by choice This is false. I was told I was only a co-signer. 

These misrepresentations appear to have been used to secure loan approval that otherwise XXXX not have been granted. 



Irregular and Suspicious Documentation I personally signed only XXXX documents, yet the completed transaction includes numerous documents bearing my name and obligations that I did not knowingly sign or authorize. 

This raises serious concerns regarding : Unauthorized document execution Possible document alteration or misrepresentation Lack of informed consent The number of signed documents does not align with what I personally reviewed or agreed to. 



Harm and Impact As a result of this deceptive transaction : I was unknowingly placed into a financial obligation I never agreed to My credit and financial standing are now at risk I am associated with a loan based on false information The vehicle was later seized, causing additional distress and legal complications for my family Request for CFPB XXXX I respectfully request that the CFPB : XXXX. Investigate XXXX XXXX XXXX for deceptive and fraudulent loan submission practices XXXXXXXX XXXX Stellantis Financial Services XXXX  on false dealer-submitted data 3. Require correction or removal of the fraudulent loan from my credit profile XXXX. Require restitution and relief for damages caused by this deception XXXX. Take enforcement action to prevent this dealer from engaging in similar conduct with other consumers I am willing to provide documents, witness statements, and additional information upon 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 explanation