Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: MA

Complaint narrative:
I am submitting this additional complaint regarding XXXX continued refusal to provide a complete itemized accounting and contractual basis for the approximately $ XXXXbalance currently being asserted and reported on my account. Despite REPAIRED requests, XXXX has failed to provide any meaningful breakdown or explanation regarding how this amount was calculated. Historically, materially different balances have been reflected, including approximately {$82000.00} while the account reflected good standing, later increasing to approximately {$100000.00}, and most recently approximately {$100000.00} as verbally communicated by XXXX. When I specifically requested clarification regarding how a balance of approximately $ XXXX could be asserted on a lease vehicle, XXXX advised that the balance continued because the vehicle had not been surrendered and remained in my possession. However, this statement does not explain the actual calculation of the balance, what charges continue to accrue, whether late fees, monthly lease obligations, residual values, post-charge-off additions, penalties, credits, or other contractual amounts are being included, or the legal and contractual basis supporting the amount currently asserted. To be clear, I am not requesting a copy of the original lease contract or a payment history, both of which have previously been provided. I am specifically requesting a complete itemized accounting explaining how XXXX arrived at the current asserted balance of approximately $ XXXX, including identification of the exact components being added to the balance and the basis for those charges. Additionally, recent verbal communications with XXXX have raised further concerns regarding the consistency and clarity of account handling. During communications occurring weeks apart, XXXX representatives advised that the account reflected approximately 138 days delinquent. Given the passage of time, continued reporting activity, and an asserted balance that continues to increase, the repeated use of the same delinquency timeframe appears difficult to reconcile and further supports the need for a clear accounting and explanation of the accounts current status, treatment, and calculation methodology. Notably, XXXX has acknowledged receipt and review of my supplemental materials and complaints, yet repeatedly declines to provide substantive explanations responsive to the questions raised. In its most recent response, XXXX stated that its position remains unchanged and declined the requests outlined in my correspondence, despite repeated requests for a complete accounting and explanation of the claimed balance. At this stage, I believe it is reasonable to request and expect a complete itemized accounting regarding a debt balance in excess of {$100000.00} being asserted against me. I respectfully request clarification regarding : 1. A complete itemized accounting of the current claimed balance ; 2. Identification of all charges included in the balance, including whether late fees, monthly lease obligations, post-charge-off additions, residual values, penalties, credits, or other charges continue to accrue ; 3. The contractual and legal basis supporting the asserted amount ; 4. Clarification regarding why materially different balances and account status descriptions have been reported over time. Given the repeated requests made and the continued absence of a substantive explanation, I am documenting my concern regarding whether XXXX has meaningfully addressed or reasonably investigated this issue despite acknowledging receipt and review of the materials submitted.

Company response to consumer: Closed with explanation