Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services
State: MA

Complaint narrative:
Supplemental Timeline Clarification Regarding Third-Party Collection Activity, Account Reporting, and Ongoing Communications I am submitting this additional supplement to document a timeline issue relevant to my ongoing complaint and prior concerns regarding account handling, reporting, and communications. During XX/XX/XXXX, my account was reported as In Collections/Charge-off on consumer credit reporting. Separately, in a formal CFPB response dated XX/XX/XXXX, XXXX XXXX XXXX XXXX, now operating as XXXX XXXX XXXX XXXX XXXX ( XXXX ) confirmed that it received my account from Mercedes-Benz Financial Services on XX/XX/XXXX, and subsequently closed/returned the account on XX/XX/XXXX. This timeline appears significant because the account reflected a collections status. While In prior correspondence submitted through this same federal CFPB portal, Mercedes-Benz Financial Services ( MBFS ) represented that the account had not been placed with, nor sold to, a third-party agency for collection efforts and indicated there had been no third-party collection involvement. Subsequent communications later acknowledged that the account had in fact been assigned to XXXX XXXX XXXX XXXX for review assistance while ownership remained with MBFS. Additionally, I was advised during more recent communications that the account was never placed in collections. However, my consumer credit reporting during the same time period reflected the account status as In Collections/Charge-off. I have included supporting screenshots documenting this reporting. However, I am documenting what appears to be an inconsistency or disconnect in how third-party account activity, collection involvement, and account reporting were described and communicated. Additionally, following direct communication with Mercedes-Benz/MBFS on Monday regarding this matter and the XXXX XXXXXXXX correspondence originally transmitted on XX/XX/XXXX, I was advised there was allegedly no record of receipt of those materials despite time- and date-stamped email transmission to multiple Mercedes-Benz/MBFS recipients. The materials were immediately retransmitted. As of this submission, I have not received confirmation or acknowledgment of receipt. I respectfully request clarification regarding : XXXX. The relationship between the XX/XX/XXXX collections reporting and the acknowledged assignment of the account to XXXX XXXX XXXX XXXX XXXX. The basis for prior statements in this federal portal indicating no third-party collection activity while a third-party entity later confirmed receipt and handling of the account ; XXXX. The basis for statements indicating the account was not in collections while consumer credit reporting reflected In Collections/Charge-off status during the same period ; 4. Whether the accounts reporting and internal handling accurately reflected the account status during the period in dispute ; 5. Whether Mercedes-Benz/MBFS has received, logged, and reviewed the XXXX XXXX correspondence and supporting documentation transmitted beginning XX/XX/XXXX. This supplement is provided to ensure the record accurately reflects the timeline, communications, account reporting, and sequence of events.

Company response to consumer: Closed with explanation