Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
On XX/XX/XXXX, at approximately XXXXXXXX XXXX XXXX, Mercedes-Benz Financial Services ( MBFS ) wrongfully repossessed my XXXX Mercedes-Benz XXXX XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX despite my account being current. This repossession has caused significant financial loss, emotional distress, and vehicle damage ( estimated {$1000.00} for bumper and undercarriage ), and I demand its immediate return by XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, {$4500.00} in compensation ( including repairs and transportation costs ), a fee waiver, and written confirmation of my account status by XX/XX/XXXX. MBFSs actions violate multiple consumer protection laws, including the Florida UCC ( 679.611 ), FCCPA ( 559.72 ( 9 ) ), FDCPA ( 1692e, 1692f if a third party was involved ), FDUTPA, and CFPA ( 5531 ), and I request a full investigation into their practices. 

* * Background and Account Status * * : My account ( # XXXX ) was current as of XX/XX/XXXX, when I made a {$990.00} payment ( Ref. # XXXX ), confirmed by a XXXX XXXX statement showing {$2000.00} in my account. On XX/XX/XXXX, MBFS sent a deferral letter acknowledging my account was current, with the next payment due XX/XX/XXXX. Despite this, MBFS repossessed my vehicle on XX/XX/XXXX, without notifying me of any payment reversal or intent to repossess, a clear violation of UCC 679.611s reasonable notification requirement. My Evidence of Lack of Notice includes an MBFS Important Notice email from XX/XX/XXXX, showing their practice of notifying me via XXXX, contrasted with an inbox screenshot showing no emails from MBFS between XX/XX/XXXX and XX/XX/XXXX, plus call logs and mailbox checks indicating no phone, text, or mail notifications. 

* * Initial Attempts to Resolve * * : On XX/XX/XXXX, at XXXXXXXX XXXX XXXX, I sent an amended demand letter to XXXX, detailing the wrongful repossession, legal violations, and my demands. I received a read receipt confirming it was opened before XXXXXXXX XXXX XXXXXXXX. Later, I called the redemption line at ( XXXX ) XXXX, and they stated they were reviewing a XX/XX/XXXX phone call but provided no timeline for returning the vehicle. I then called XXXX XXXX at ( XXXX ) XXXX, extension XXXX, around XXXXXXXX XXXX  XXXX. She raised her tone and transferred me to a representative who confirmed they listened to the XX/XX/XXXX calls but refused my request to send the recordings for my records, despite my belief that account details were entered incorrectly. I also requested confirmation of the full account number used for repayment to match my records, which they refused. I asked for superiors, but they promised a callback, which is unlikely due to a do not contact tag from my XXXX lawsuit ( XXXX XXXX. XXXX, settled for {$4000.00} in XX/XX/XXXX ). 

* * Escalation Efforts * * : At XXXXXXXX XXXX XXXX ( sent at XXXXXXXX XXXX XXXXXXXX per read receipt ), I emailed XXXX and XXXX, demanding confirmation of the vehicles return by XXXXXXXX XXXX  XXXX today, along with the requested records. A read receipt confirmed this email was opened at XXXX XXXX XXXXXXXX by MBFSXXXX, indicating supervisory awareness. However, MBFS missed the XXXXXXXX XXXX XXXX confirmation deadline and has not provided the vehicle return details, recordings, or account confirmation. At XXXXXXXX XXXX XXXXXXXX, I sent a final notice email reiterating my demands, but as of XXXXXXXX XXXX XXXXXXXX, no response has been received. 

* * Legal Violations and Harm * * : MBFSs failure to notify me of the repossession or payment reversal constitutes a deceptive practice under FCCPA 559.72 ( 9 ) and an unfair act under CFPA 5531. The lack of notice violates UCC 679.611, and their refusal to provide records may breach FDCPA 809 if a third party was involved. The repossession caused {$1000.00} in vehicle damage ( pending formal estimate ), {$1500.00} in transportation costs ( e.g., XXXX receipts ), and emotional distress, totaling my {$4500.00} compensation demand. My prior XXXX lawsuit success against MBFS suggests a pattern of non-compliance, necessitating CFPB intervention. 


* * Supporting Documents * * : - Payment Confirmation ( XX/XX/XXXX, {$990.00}, XXXX. # XXXX ) - XXXXXXXX XXXX Statement ( XX/XX/XXXX, {$2000.00} ) - Deferral Letter ( XX/XX/XXXX ) - Evidence of Lack of Notice ( XX/XX/XXXX, email ; inbox screenshot XXXX XXXX XXXX XXXX  call logs ; mailbox statement ) - Amended Demand Letter ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) - Email to XXXX and XXXX ( XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX ) - Final Notice Email ( XX/XX/XXXX, XXXX XXXX XXXXXXXX ) - Call Log Notes ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Contact me at XXXX, as phone contact is restricted.

Company response to consumer: Closed with explanation