Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to respectfully request that my case be reviewed and that the inaccurate credit reporting on my account be updated. I have truly valued my relationship with Mercedes-Benz Financial Services for the past four years, and I am hopeful that this matter can be resolved fairly.

As I understand it under the Fair Credit Reporting Act, an account should not be reported late to the credit bureaus unless it is 30 days or more past due. In this case, I was not 30 days late. I have supporting documentation that confirms this, including : A payment made on XX/XX/2025 via my XXXX XXXX card. 

A payment made on XX/XX/2025 via my XXXX XXXX card. 

Confirmation text messages from XXXX, your third-party processor, confirming both the XX/XX/XXXX and XX/XX/XXXX payments. 

A record within the Mercedes-Benz system showing the XX/XX/XXXX payment correctly, but incorrectly reflecting the XX/XX/XXXX payment as XX/XX/XXXX. 

To clarify, XXXX XXXX was used on both occasions, and XXXX XXXX has consistently and accurately reported the payment dates. This demonstrates that the issue is not with my credit card or my ability to pay, but rather with how the payment was processed and recorded within the XXXX/Mercedes-Benz system XXXX 

If you notice, all of my XXXX XXXX payments have always been recorded accurately in the Mercedes-Benz system up until XXXX. The XXXX  confirmation text for the XX/XX/XXXX payment clearly proves it was successfully processed on that date. This was clearly a system error, not a failure on my part to pay, and I am pleading for it to simply be corrected. 

I first noticed the error on XX/XX/2025, when I saw incorrect information reflected in my Mercedes-Benz app with my payment being reported as XX/XX/XXXX. Since then, I have worked diligently to resolve the issue. I have submitted proof of payment for both XXXX and XXXX, including confirmation messages, credit card statements, and documentation from the credit bureaus. 

Despite this, on XX/XX/2025, the credit bureaus received a report stating that I had not paid and that I had a past due balance of {$1000.00}. This is not correct, as I paid the balance on XX/XX/2025 in the amount of XXXX XXXXwell before the 30-day reporting threshold and prior to the reporting date. 

This situation has been extremely distressing for me because I have always been consistent with my payments. In all the years I have had this vehicle, I have never been late, and I worked hard to ensure this account was paid off in full. I am respectfully and sincerely asking that this error be corrected so that my payment history accurately reflects my record of responsibility. 

For your convenience, I have noted each attachment below : Exhibit A : Mercedes-Benz app showing the XX/XX/2025 payment accurately, but reflecting the XX/XX/2025 payment incorrectly. 

Exhibit B : XXXX XXXX app detailing the XX/XX/2025 payment. 

Exhibit C : XXXX  confirmation texts after successful payments ( XX/XX/2025 and XX/XX/2025 ). 

Exhibit D : Mercedes-Benz credit bureau reporting showing no payment received and a past due balance of $ XXXX amount that was cured on XX/XX/2025. 

Exhibit E : XXXX XXXX online account showing the XX/XX/2025 payment, recorded accurately in both Exhibits A and C. 

Thank you very much for your time, understanding, and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation