Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Consumer Rebuttal to XXXX  Response Account # XXXX | CFPB Case # XXXX and # XXXX I respectfully disagree with the response provided by Mercedes-Benz Financial Services ( XXXX XXXX dated XX/XX/year>, coincidently my birthday. Several of the statements are inaccurate and do not address the substance of my complaint. 

XXXX. Issue is XX/XX/year>, not XX/XX/year> XXXX stated they are not reporting a delinquency for XX/XX/year>. I never claimed there was an issue with XXXX. The XX/XX/year> payment posted correctly. The dispute concerns the XX/XX/year> payment, which I made via XXXX XXXX and received confirmation from XXXX on XX/XX/XXXX. XXXX did not apply this payment until XX/XX/XXXX, and subsequently reported my account as unpaid. Under the Fair Credit Reporting Act ( FCRA ), an account should not be reported late unless it is 30 days or more past due. I was not 30 days late. 

XXXX. Payment delay was not on my side XXXX suggests I should contact my card issuer. I already confirmed with XXXX XXXX that the payment was processed and transmitted on XX/XX/year>. REPAY also provided confirmation. The delay occurred between XXXX and XXXX, not with my credit card company. 

XXXX. XXXX  fees misrepresented MBFS states I am charged {$15.00} per payment. This is factually incorrect. I am consistently charged between {$40.00} and {$200.00} per payment through XXXX. I have proof of these transactions. Minimizing the fee at {$15.00} misrepresents the financial burden I have been carrying just to remain current. 

XXXX. Payment restrictions While MBFS claims my account was disqualified from autopay/online payments due to returned items, I have nevertheless continued to make payments by phone through XXXX  in good faith at significant extra cost. Regardless of past restrictions, my XX/XX/XXXX payment was still made timely and should not have been misreported. 



I would like to please readdress my concern for it to be resolved. 


To Whom It May Concern, I am writing to respectfully request that my case be re-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 XXXX 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/year> via my XXXX XXXX card. 

A payment made on XX/XX/year> 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 XXXX XXXX XXXX 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 XXXX  XXXX 

If you notice, all of my XXXX XXXX payments have always been recorded accurately in the Mercedes-Benz XXXX XXXX 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/year>, when I saw incorrect information reflected in my XXXX 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/year>, 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/year> in the amount of $ XXXX before the XXXX 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 : XXXX app showing the XX/XX/year> payment accurately, but reflecting the XX/XX/year> payment incorrectly. 

Exhibit B : XXXX XXXX app detailing the XX/XX/year> payment. 

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

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/year>. 

Exhibit XXXX : XXXX XXXX online account showing the XX/XX/year> 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