Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
This is my third formal complaint regarding the unlawful and fraudulent repossession of my vehicle by Mercedes-Benz Financial Services ( MBFS ), Complaint IDs : XXXX and XXXX. This filing details MBFS 's subsequent act of conversion, and its continued pattern of willful misconduct, which constitutes an egregious UDAAP violation and a malicious misuse of the CFPB complaint process. 

Despite weeks of being on notice about the illegal nature of the repossession, MBFS has knowingly and willfully retained my vehicle. Their continued possession of my car, without justification, constitutes conversion.

MBFS 's Deceptive " Investigation '' and Stall Tactics : MBFS 's claim of an " ongoing investigation '' is provably false and, in itself, a XXXX violation. Their stall tactics are a deliberate obstruction of both the consumer 's right to a fair process and the regulatory process itself. 

A Deceptive Investigation : Over the past three weeks, MBFS claims to have been " investigating. '' A good-faith investigation would, at most, involve four simple tasks : - Confirming my 4-year payment history ( Confirmed : XX/XX/year> ). 
- Confirming my forbearance request was made to XXXX XXXX ( Confirmed : XX/XX/year> ). 
- Confirming the repossession was performed by their vendor, XXXX XXXX XXXX XXXX XXXX ( Confirmed : XX/XX/year> ). 
- Confirming the legality of the tow with their vendor. 

This final, simple task has been used as a pretext for a three-week stall. It is completely unreasonable for a vendor to ignore a primary client like MBFS for this duration. MBFS is not a victim of their vendor 's stalling ; they are complicit in it. 

Willful Stalling to the Consumer and the Regulator : On XX/XX/year>, XXXX Relations XXXX XXXX XXXX once again repeated the three-week-old, baseless claim of " still waiting on the tow company to call back. '' This call, following their canned CFPB response claiming to be " working on it, '' proves they are knowingly deceiving both me and the Bureau. 

Any further response from MBFS claiming to still be " working on it '' is not evidence of a process ; it is, in and of itself, a continuation of the same bad-faith XXXX violation. 

Deliberate Intent to Inflict Harm : MBFS 's malicious stalling and refusal to take action is not passive. It serves to : - Prolong my severe emotional distress, for which I am under medical care. 
- Unlawfully convert my property for an extended period, in full knowledge of the tow 's illegality. 
- Obstruct a legitimate complaint and misuse the CFPB 's process. 

The Consequences of their Bad Faith MBFS can not be allowed to claim they are " investigating '' indefinitely while their fraudulent vendor 's misconduct is used as a smokescreen. Their actions demonstrate a systemic disregard for consumer rights and an abusive tactic to delay and deny. This is why a simple " working on it '' response is no longer acceptable ; it is, in and of itself, evidence of their wrongdoing. 

This behavior is not a good-faith investigation but a clear UDAAP violation : Willful Incompetence as a Strategy : The " investigation '' is a sham. It involves four simple tasks : confirming payment history ( done in XXXX ), confirming the forbearance request ( done in XXXX ), confirming the repossession by XXXX XXXX ( done in XXXX ), and contacting the vendor to confirm the tow 's legality. This final task has been stalled for three weeks. 

XXXX XXXX XXXX XXXX : MBFS is deliberately obstructing the regulatory process. Any further response from MBFS claiming to still be " working on it '' is not evidence of a process ; it is a continuation of the same bad-faith XXXX violation. 

Intent to Harm : The purpose of this intentional delay was to prolong my severe emotional distress, unlawfully convert my property, and obstruct a legitimate complaint.

Company response to consumer: Closed with explanation