Consumer complaint received 2026-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
I. STATEMENT OF FACTS. This dossier provides irrefutable documentary evidence of a coordinated conspiracy and systemic misconduct by First Investors Servicing Corporation ( a Stellantis Financial Services company ) ( pp. XXXX, XXXX ). The lender has actively committed Fair Credit Reporting Act ( FCRA ) anti-retaliation violations, intentionally breached federal Americans with Disabilities Act ( ADA ) communication protections, and engaged in tortious interference to dismantle my insurance mitigation pipeline ( pp. XXXX, XXXX ). XXXX. SPECIFIC COMPLIANCE INDICTMENTS & TIMELINE. Disability Discrimination & Intentional Non-Compliance : On XX/XX/XXXX, and XX/XX/XXXX, I submitted formal written disclosures of a documented XXXX disability and explicitly requested written account payoff and cure terms via email ( pp. XXXX, XXXX, XXXX ). Representative XXXX XXXX flagrantly ignored this legal accommodation, flatly refusing to provide the written mitigation metrics necessary to manage the account, and ordered me to " call into the office '' ( pp. XXXX, XXXX, XXXX ). Retaliatory, Stacked Credit Bureau Reporting : Immediately following my XXXX formal ADA disclosure and my subsequent compliance inquiry, First Investors intentionally dumped simultaneous, stacked XXXX delinquency marks to the credit bureaus in XXXX XXXX ( pp. XXXX, XXXX ). Furthermore, on XX/XX/XXXX, XXXXprecisely XXXX day after I provided a written update regarding the active total loss evaluation and requested formal XXXX coordinates ( p. XXXX ) First Investors permanently flagged my account as a " Charge-off '' ( p. XXXX ). They destroyed my credit standing while actively ghosting my written inquiries regarding the insurance settlement pipeline ( pp. XXXX, XXXX, XXXX ). Actionable Tortious Interference & Deceptive Asset Seizure : On XX/XX/XXXX, representative XXXX XXXX initiated unauthorized back-channel communications with XXXX XXXXXXXX XXXX XXXX and XXXX representative XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fabricated material lies, falsely claiming I was " in litigation '' with XXXX and that I had personally declared the vehicle " totaled '' ( pp. XXXX, XXXX, XXXX ). XXXX used these falsehoods to execute an unlawful conspiracy to pressure the insurer into changing loss classifications to trigger a XXXX exclusion ( pp. XXXX ), while simultaneously threatening to dispatch an " impounds team '' to seize the vehicle from XXXX XXXX XXXX XXXX XXXX XXXX ). This would have physically destroyed the evidence required to complete the total loss valuation ( p. XXXX ). Coordinated Multi-Party Collusion and Intimidation : The email transparency record establishes that First Investors, XXXX, and the XXXX representative ( XXXX XXXX ) are operating in full concert as a singular hostile unit ( pp. XXXX ). The ultimate manifestation of this collusion occurred on XX/XX/XXXX, when XXXX by the lienholder and XXXX representative on active threadsattempted to compel my physical presence at an in-person office meeting to execute transfer documents ( p. XXXX ). By intentionally ignoring my federally protected request for written-only communication, this coordinated demand serves a dual, improper purpose : it is an explicit intimidation tactic to isolate a consumer with a disability away from an active paper trail, and a high-pressure mechanism to force the signature of an asset transfer under a fraudulent loss classification before regulatory authorities can complete an independent review ( pp. XXXX, XXXX ). XXXX. RESERVATION OF RIGHTS Let this submission serve as an explicit notice that I hereby reserve all rights to pursue civil litigation, including claims for insurance bad faith, Fair Credit Reporting Act ( FCRA ) violations, Americans with Disabilities Act ( ADA ) non-compliance, conversion, and multi-party tortious conspiracy, seeking full statutory, compensatory, and punitive damages in a court of competent jurisdiction. ( pp. XXXX, XXXX, XXXX )

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