Consumer complaint received 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Issue : This is my fourth complaint regarding XXXX wrongful repossession of my vehicle on XXXX XXXX XXXXXX/XX/XXXX, in violation of my Retail Installment Sale Contract ( XX/XX/XXXX ). Despite prior complaints, MBFS and XXXX XXXX XXXX XXXX XXXX Department ) have failed to resolve this, delaying action as the vehicles sale looms on XX/XX/XXXX. 
Details : MBFS wrongfully repossessed my vehicle on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX breaching my contract : No Default ( Section XXXX ( f ), Page XXXX ) : A deferral agreement ( XXXX XXXX XXXXXX/XX/XXXX ) deferred my {$970.00} payment to XX/XX/XXXXXXXX XXXX XXXX Payment history shows {$8700.00} paid through XX/XX/XXXXXXXX XXXX XXXXXXXX payment was due on XXXX XXXX XXXXXX/XX/XXXX, negating default. 
No Notice ( Sections XXXX, XXXX, Pages XXXX ) : MBFS provided no notice of {$1500.00} due ( Right to Cure notice, XX/XX/XXXX, deadline ) or {$3100.00} reinstatement amount ( XX/XX/XXXX, email ), including {$550.00} repo fees ( repo invoice, XX/XX/XXXX ), {$480.00} late fees, and {$120.00} XXXX  fees XXXX lacking delivery proof despite prior notices received ( e.g., XXXX XXXX XXXX XXXX 
Breach of Peace ( Section XXXX ( d ), Page XXXX ) : The tow truck lifted the vehicle with me inside, causing damage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), violating UCC XXXX ( per Section XXXX ). 
Unauthorized Fees ( Section XXXX ( b ), Page XXXX ) : MBFS added fees without default or notice, breaching Section XXXX ( b ). 
Finance Charge/Prepayment Issues ( Sections XXXX ( c ), XXXX ( d ), Page XXXX ) : Lack of notice prevented managing finance charges or prepaying to avoid repossession. 
Ongoing Misconduct by Agent XXXX and MBFS : This is my fourth CFPB complaint ( XXXX XXXX XXXX XXXX XXXX  ). MBFS has failed to resolve prior complaints, and XXXX XXXX ( Customer Relations ) continues to obstruct resolution. Since my first complaint on XX/XX/XXXX, XXXX has dismissed the deferral agreement, omitted the XX/XX/XXXX, payment attempt ( Reference # XXXX, failed due to agent error ), and denied the breach of peace and notice violations in emails ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Her actions appear designed to delay until the XX/XX/XXXX, sale, constituting bad faith and violating XXXX ( XXXX ( XXXX ) ) for harassing debt collection practices. I also filed a XXXX  Attorney General complaint, but MBFSs inaction persists. 
Urgency : With the sale scheduled for XX/XX/XXXX, I demand the vehicles return by XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, as stated in my demand letter sent today ( XX/XX/XXXXXXXX XXXX XXXX XXXX. MBFSs delay tactics, led by XXXX, risk irreparable harm. 
Desired Resolution : Immediate return of my vehicle to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with waiver of all post-repossession fees ( {$550.00} repo, {$480.00} late, {$120.00} NSF ) due to lack of notice. I also request CFPB sanctions against MBFS for their repeated misconduct and failure to resolve prior complaints.

Company response to consumer: Closed with explanation