Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Stellantis Financial Services US Corp.
State: PA

Complaint narrative:
During my lease financed through Stellantis Financial Services, the vehicle experienced a major mechanical failure that ultimately required a full engine replacement under manufacturer warranty. The issue began around XXXX or XXXX of XXXX, and the vehicle remained at the dealership for an extended period while repairs were performed. I did not receive the vehicle back until approximately XX/XX/XXXX, resulting in a loss of use for roughly three months. During this time, I continued making lease payments despite not having possession or use of the vehicle. Additionally, while the vehicle was in the dealerships possession for engine replacement and testing, it was driven as part of the diagnostic and repair process. As the lessee, I had no control over any mileage accumulated during this period. When the vehicle was returned to me, it had not been properly detailed and was returned with an empty fuel tank, despite being told it would be cleaned and refueled prior to pickup. I also made multiple requests to the dealership, XXXX XXXX XXXX XXXX, for documentation related to the engine failure, repair timeline, and work performed. Despite repeated requests, these records have not been provided. The lease was originally scheduled to end in XX/XX/XXXX ; however, the vehicle was returned early in XX/XX/XXXX. Following the return, XXXX XXXX XXXX issued a finalized end-of-lease bill totaling {$2700.00}, consisting of early termination charges, remaining payments, and mileage. This balance appears to have been calculated as though the lease proceeded under normal circumstances, without any consideration for : The extended period during which the vehicle was out of service due to a major manufacturer warranty repair Mileage that may have been incurred while the vehicle was in the dealerships possession The diminished value and impact associated with a full engine replacement during the lease term Prior to filing this complaint, I made multiple attempts to resolve this matter directly with Stellantis Financial Services, including spending several hours on the phone with various departments. Despite these efforts, I was ultimately told that the balance was final and no further review would be conducted. Due to the urgency of my mortgage approval and the requirement to resolve this outstanding balance, I submitted payment on the disputed amount. This payment was made solely to avoid jeopardizing my mortgage and should not be interpreted as acceptance of the validity of these charges. I continue to dispute this balance and am requesting a full review, adjustment, or reimbursement of the {$2700.00} due to the extended loss of use and circumstances surrounding the warranty engine replacement. I am also requesting any documentation relied upon in calculating this balance, including mileage records and inspection reports.

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