Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Stellantis Financial Services US Corp.
State: AZ

Complaint narrative:
Im submitting this complaint regarding Stellantis Financial Services concerning the origination, funding, servicing, and collection of my auto finance contract. I have reason to believe Stellantis may be attempting to collect on a XXXX XXXX XXXX XXXX ( XXXX ) that was never properly funded, assigned, or disclosed as required under federal and state law. 

1. Concerns Regarding Funding and Assignment of the Contract Stellantis has not provided any evidence of : actual funding of the contract, transfer of loan proceeds to any account in my name, or proof of purchase from the dealership ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

Under Truth in Lending Act ( Regulation Z ) and the Auto Sales Finance Act, a creditor must demonstrate : they extended credit, they funded the obligation, and they obtained legal assignment of the contract. 

Stellantis has provided none of these. 

There appears to be a billing structure where I am being asked to repay a loan, yet Stellantis has not demonstrated that any loan proceeds were ever deposited, transferred, or disbursed to me. 
This raises concerns under : Reg Z 12 CFR 1026.17 & 1026.18 ( accurate disclosure of credit terms ) Reg Z 1026.20 ( a ) ( notice of assignment requirements ) FCRA 623 ( a ) ( accurate reporting ) 2. Potential Billing Error under Regulation Z Under 12 CFR 1026.13, a billing error includes : a charge for a transaction not made by the consumer, a misstatement of the amount owed, or a failure to properly credit payments. 


I have reasons to believe a billing error has occurred because : the dealer has not shown how my {$1200.00} down payment was applied, the contract appears to have been treated as fully funded at signing, Stellantis has not confirmed its acquisition or funding of the contract, despite this, statements and payment demands have been issued. 

This is a direct trigger for a Billing Error Investigation under Reg Z. 

3. Ambiguous and Incomplete Disclosures in the Contract The Retail Installment Sales Contract contains vague and ambiguous terms regarding : who the creditor actually is, how funds were disbursed, how the down payment was allocated, whether financing was conditional or unconditional, and whether the dealer retained rights or transferred them. 


Under federal law, these are required to be conspicuously clear. 
Ambiguity in credit disclosures violates : Reg Z 1026.17 ( a ) ( 1 ) Reg Z 1026.18 FCRA 1681s-2 ( a ) ( accuracy in reporting ) 4. Assignment & Standing I am requesting verification of the following : Is Stellantis the Holder in Due Course? 


Did Stellantis purchase this contract from the dealership? 


Where is the chain of title? 


What date was the contract funded, and by what method? 


Where is the ledger showing the dealer was paid? 


If Stellantis did not purchase or fund the contract, they can not collect under federal law. 
5. My Attempts to Resolve This in Good Faith I have already attempted to contact : the dealership multiple dealership representatives Stellantis customer support dealership supervisors I have documented calls, emails, and written inquiries. 
Instead of receiving answers, I received incomplete information, dismissive behavior, and no documentation verifying Stellantis legal standing or funding. 
This shows a potential violation of : Reg Z servicing duties FCRA accuracy and reinvestigation duties UDAAP Unfair, Deceptive, or Abusive Acts or Practices Requested Resolution I am asking the CFPB to require Stellantis to provide : Proof of funding / disbursement of loan proceeds Copy of the assignment and chain of title Full transaction ledger showing down payment application Verification of creditor status under Reg Z Correction of any billing errors Correction of any inaccurate credit reporting Clarification of ambiguous or missing disclosures If Stellantis can not validate their standing, I request that the CFPB require : correction of credit reporting, cessation of collection activity, and proper adjustment of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation