Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services
State: OH

Complaint narrative:
XXXX XXXX and XX/XX/XXXX I purchased vehicles from Mercedes Benz of XXXX Mississippi. On XX/XX/XXXX XXXX XXXX ( my father ) wife sent me a text about the vehicles in my fathers name. I ignored her message and spoke with my father on XXXX XXXX at that time he told me not to worry about it and he handled it. He then asked me to borrow {$2000.00} but later changed it to {$1500.00} later that day. I zelled him the money. I was contacted by the salesman from the dealership stating they received a letter from my fathers wife about fraud sometime late XXXX early XXXX. Again, I asked my father about it and he stated he handled it. I was contacted by a XXXX with Mercedes Benz Financial Service Fraud Department who I spoke with concerning the complaint by my father at this time my accounts were closed and I couldnt make payments. He informed me that he spoke with Mercedes of XXXX Mississippi and now since he talked to me he will open the accounts back up and I resume making payments. I didnt know at the time because my father and I wasnt arguing that he was still going with the process of fraud. On XX/XX/XXXX he filed a police report in XXXX, Tx for identity theft with his local police. I was in XXXX at the time I called my dad around XXXX that day and asked him to send me {$500.00} until tomorrow he did. I sent it back to him on the first and he sent it back stating take it off the money he owed me. I was still making payments on the vehicles not knowing this was still going on. I was contacted by a detective out of XXXX, XXXX about the identity theft charge and he mentioned XXXX  XXXX. I sent him all my evidence and he found no evidence of identity theft, fraud, or XXXX  XXXX. He told me he informed my father of his finding based on the information I provided and stated no charges will be filed. The detective informed me that he didnt think my father would stop here. So he disputes the matter with the FTC and they removed the cars from his credit report. One vehicle was repossessed on XX/XX/XXXX and I had possession of the other one until XX/XX/XXXX as I turned it in to prevent Mercedes Benz Financial filing a replevin against me. I dont process loans so I dont understand how they were removed and I lose all my money that I paid into the vehicles and had to give up my cars. When I contacted XXXX they stated the only way I could get the car back is if I paid it all off at once on XX/XX/XXXX when I called despite sending me a letter on XX/XX/XXXX with two options. I didnt commit fraud and have the evidence to prove I didnt! I dont understand after making complaints to their Fraud Analyst and the dealership how I couldnt make these payments if they are going to pick these cars up. What I thought would happened did. I dont understand how they did an internal investigation opened the accounts back up and then closed them again with proof that I didnt commit fraud. I have lost a lot my pride, money, and my name defamed based on lies.

Company response to consumer: Closed with explanation