Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Mercedes-Benz Financial Services ( MBFS ), also known as XXXX, for fraudulently and inaccurately reporting lease information on my credit report for more than XXXX years, in violation of federal credit reporting laws and consumer protection standards. 

I was a co-signer on a leased vehicle through MBFS beginning on XX/XX/XXXX. On XX/XX/XXXX, the vehicle was stolen. It was recovered XXXX days later, but returned damaged and with excessive mileage. At the time of the incident, I was also facing job loss due to the XXXX pandemic. I immediately contacted MBFS and my insurance provider to file a claim, and I also formally requested a payment deferral due to my financial hardship and the vehicle theft. MBFS agreed to defer payments in line with the widespread relief measures being offered by lenders at the time. Throughout the remainder of the lease, the account remained in good standing. 

The lease reached its end in XX/XX/XXXX. I returned the vehicle to the Mercedes-Benz dealership in XXXX XXXX XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX, I received an official end-of-lease statement from MBFS confirming a XXXX XXXX. At that point, I reasonably believed the lease had been fully and properly concluded. 

However, more than a year later, I discovered that MBFS had continued to report the lease account on my credit report as open and active as though I still possess the vehicle and continue to make payments. This inaccurate reporting has now persisted for XXXX years. Despite multiple formal requests I have submitted to MBFS, they have failed to provide any supporting documents, explanation, or correction. To make matters worse, the XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) still shows the vehicle tag as active under my name, further reinforcing the false appearance that the vehicle is still in my possession. 

As a direct result of this false reporting, I have been unable to lease or finance another vehicle, as lenders see an open and active lease that should have been closed in XXXX. This inaccurate and fraudulent reporting has materially harmed my credit profile and my ability to move forward financially. 

This matter must be immediately investigated. I respectfully request that the Consumer Financial Protection Bureau take prompt action to compel Mercedes-Benz Financial Services to correct the false information, update the lease account status to reflect that it was closed with a XXXX balance as of XXXX, remove all inaccurate monthly updates, and work with the XXXX to ensure the registration tag is no longer listed as active in my name. 

I am prepared to provide supporting documentation, including the lease agreement, end-of-lease statement, communications with MBFS, and my credit reports. I trust that the CFPB will address this situation urgently and hold MBFS accountable for the ongoing damage caused by their false reporting and failure to act in good faith.

Company response to consumer: Closed with explanation