Mercedes-Benz Financial Services USA LLC

While we regret learning of [redacted] ’s mechanical issues with his Mercedes-Benz ML350W2, we appreciate being advised of the situationPlease be aware, however, that MBFS is a leasing and financing company and is not qualified to respond to concerns regarding the design or performance of the vehicles we financeWe have forwarded a copy of his correspondence to the MBUSA Client Assistance Center and understand that a representative is now working with [redacted] Please be aware that MBFS is an indirect lender, which means we purchase contracts that fit our credit and program criteria from independently owned and operated dealershipsAs an indirect lender, MBFS is not involved in the discussions and negotiations of a dealer with the buyer or lesseeAnd since we are not present at the time of sale, we must accept all signed contracts as being read, understood, and agreed to by the customer upon execution We have enclosed a copy of the contract which highlights [redacted] ’s obligation to MBFS and recommend that he continue to fulfill that obligation in order to avoid negative impact to his creditPlease see the section entitled "Promise to Pay" on the front page We have responded directly to [redacted] regarding his complaint, and to the CFBP

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my dispute Please enter your reason(s) for rejecting the business response belowExactly as I feared would happen, MBFS punished me for making a complaint to the CFPB & Revdex.comJust a few days after my complaint, MBFS is now reporting to Equifax TWO separate (duplicate) accounts on my credit reportMy credit score dropped by points! Both have the same account number with different balances owedNow it appears that I have $99,in automobile loans when I actually only have ONE account with MBFS and my principal balance is $48,Please see attached credit report directly from EquifaxMBFS is now listing accounts under the same account numberOne shows a balance of $50,and another shows a balance of $48,MBFS was NOT reporting duplicate accounts prior to my complaints MBFS has caused me damages and I cannot get approved for a home loan because of their irresponsible credit reportingI have filed a formal complaint with the Texas Attorney General as wellThis is ridiculous and very unethical behavior Regards, [redacted] ***

MBFS has identified the root cause of the issue User updated bank information under "Bank Profile" on MBFS website to Wells Fargo, autopay has been turned off per customer's request MBFS issued refund check in the amount of $for the payment MBFS drafted from Shell FCU The refund was received by [redacted] today 1/12/ A credit in the amount of $was placed in [redacted] 's account to cover his payment due 1/12/as a token of appreciation for his patience in understanding while resolving this matter Please feel free to contact [redacted] directly at [redacted] if there should be additional questions or concerns

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my dispute Please enter your reason(s) for rejecting the business response below Regards, [redacted] I did not get my car from Mercedes Benz FtLauderdale I leased my car from MB Westwood , MA The fact that you are an indirect lender doesn't limit your liability Your'e in business with the leasing company and they represent you and vice versa It's unacceptable that your business partner misrepresented the facts and you are basically saying "hey, we have to go by whatever lie you were told because you can't prove it other than saying it happened" If MB Westwood was the one charging me I would contact them but you're charging me I would like to be put in contact with the next level of management and I would like to speak on the phone to someone

Dear [redacted] Thank you for contacting Revdex.com (Revdex.com) regarding your contract concerns on the above-referenced account It has been forwarded to my attention for a response on behalf of Mercedes-Benz Financial Services (MBFS) We welcome the opportunity to respond to your concerns We sincerely appreciate your loyalty to the Mercedes-Benz brand Please understand eligibility to participate in our Loyalty Accelerator Program applies when a Mercedes-Benz is leased or purchased through MBFS The registered lienholder for your GLK is “Wheels LT,” which resulted in you receiving a lease end statement with a balance of $ We respectfully decline your request to dismiss the vehicle turn in fee The total amount currently due for your account is $642.60, which includes $for the Vehicle TuFee and $for the Total Tax Due To make payment arrangements, please contact our First Class Finish Department at (800) 737-or mail your payment to: Mercedes-Benz Financial Services P.OBox Carol Stream, IL We know you have a choice and thank you for your patronage We sincerely hope that you will continue to choose Mercedes-Benz Financial Services Kind regards, [redacted] ***

MBFS regrets to learn the confusion surrounding the end of [redacted] e's payoff process We are committed to conduct a thorough investigation and can confirm the information provided is accurate In regards to the difference in the payoff amounts (original payoff $54,/ second payoff $53,631.88) this is due the monthly payment being due on December 13, MBFS attempted to collect the missing document (odometer statement) from the dealership on several occasions in order to complete the payoff and close the account Due to this delay and to prevent [redacted] e from delinquency on his December payment, MBFS applied 12/payment towards his account from the payoff amount This was to the customer's benefit and MBFS honored the original quote In regards to the maintenance refund, although MBFS cannot respond on behalf of any warranty providers, we contacted MBUSA on behalf of [redacted] e MBUSA informed the customer would need to initiate the cancellation at the dealership where the maintenance was purchased (Mercedes-Benz of Pleasanton) Based on the information above, we respectfully decline the request to refund the amount of $and suggest [redacted] e contacts Mercedes-Benz of Pleasanton for the cancellation of the warranty We will share the information to our Dealer Relationships Manager regarding his experience at both Walnut Creek and Pleasanton stores Please feel free to contact me directly if you should have any questions or concerns

I contacted Mr [redacted] via email @ [redacted] in which he confirmed he received the letter requested to provide his credit agencyI advised Mr [redacted] to contact me if he needs further assistance

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

Thank you for contacting the Better Business Bureau (Revdex.com) regarding [redacted] 's loan with Mercedes-Benz Financial Services (MBFS)We appreciate the opportunity to address your concern regarding the above-referenced account.We apologize you did not receive the payment history as requestedPlease refer to the attached payment history generated directly from [redacted] 's accountAlso, we apologize we did not disclose the resolution you and [redacted] were able to agree on in our responseBelow you will find a summary of the agreed upon resolution:On June 17, you spoke with our agent, [redacted] She was able to review the following with you:• The amount of payments received and how they were applied She confirmed the principalonly payments were applied to principal as you requested.• As a token of appreciation for your patience during this time, MBFS would cover one month's payment ($18)In addition to the monthly payment, MBFS waived $for the interest that was due on the account.• To ensure a similar situation did not occur, [redacted] discussed the option to make the payments online as you were able to select our "Principal Only" option in our MBFS website (www .mbfs.com)This option would alleviate the necessity of contacting MBFS to allocate the funds to principal only.-Once again, we sincerely apologize for the numerous phone calls you had to place in order to resolve your concernsI sincerely apologize our Customer Service representatives were unable to reach me as requested I assure you we are at your service and rest assured I will be providing this additional feedback to the leaders directly involved and will use it to positively improve the overral experience for all Mercedes-Benz Financial Services account holders[redacted] and [redacted] , thank you for taking the time to share your experience with usWe sincerely apologize for any frustration or inconvenience you encountered as a resultWe know you have a choice and thank you for your patronage We sincerely hope you will continue to choose Mercedes­ Benz Financial Services Should you have additional questions please feel free to contact me directly at [redacted]

Complaint: [redacted] I am rejecting this response because: the response in appropriate to say big company can do whatever it wants to the little guy The tone spoke by the customer service representative was arrogantI did inform MBUSA and MB Financial Services that you sent me bill and I send one right back to them times three (3), which equals six (6) times $ Yes, I will be taking on the big company I am going to get my refund of $plus $one way or another Regards, [redacted]

Complaint: [redacted] I am rejecting this response because the business did not attempt to resolve the issue Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my dispute Please enter your reason(s) for rejecting the business response below.The issues regarding my complaint against MBFS are even worse now I now have duplicate auto loans reporting to TransUnion I was told by MBFS that the issue with my auto loan reporting duplicate open accounts was exclusive to Equifax and that it was Equifax's fault-which is NOT true.I was told by MBFS that this issue of duplicate auto loans would not occur on Experian or TransUnion As you can see from my attachment, my auto loan is now reporting TWICE on TransUnion My TransUnion score has tanked due to this This is NOT the fault of the credit reporting agencies It is the fault of MBFS and the severe and damaging reporting caused by Mercedes Benz Financial As I stated in my previous complaints, I am in the middle of a home loan I cannot begin to describe how devastated I am over this situation There is NO way that I will get final approval for my home loan when MBFS is reporting falsely that I have over $90,in auto loans I only have ONE auto loan with MBFS and my balance is approximately $48, I am expecting that this duplicate account will soon appear on my Experian credit report This reporting puts me in a dire situation where not only can I not get approved for a home loan but my current creditors such as credit card companies could lower my credit limits or close my accounts Regards, [redacted] ***

Ms***,Please see the attached letter.Kind regards, [redacted] Executive Response Office

Responded to [redacted] 's, suggested he contact the RMV in regards to wrong name on registrationWe did forward outstanding parking tickets to the transfereeExplained excise tax abatement was received and applied to account, it was received after the transfer of interest was completed

Hello [redacted] *** Per our conversation, you currently are not financed with Mercedes-Benz Financial Services (MBFS), please visit your dealership for your financing source

Dear [redacted] Thank you for contacting the Revdex.com (Revdex.com) regarding your loan with Mercedes-Benz Financial Services (MBFS) We appreciate the opportunity to address your concern regarding the above-referenced account On behalf of MBFS, we sincerely apologize for the frustration you encountered while trying to obtain a payment breakdown for the June payment I assure you that your experience is not indicative of the service that we strive to deliver to our customers on a daily basis Per your request, I am enclosing a copy of your payment history for your review This payment history displays the date your payments were received, the total amount of the payment along with the amount allocated to principal and interest [redacted] , we know you have a choice and thank you for your patronageWe sincerely hope you will continue to choose Mercedes-Benz Financial Services Should you require any additional assistance, please feel free to contact me directly at [redacted] Kind regards, [redacted]

Several attempts to send documents to [redacted] 's address and were returned to sender, disposition fee will not be waived. copy of contract and return mail attached

RevDex.com: [redacted] was beyond helpful, MUCH more so than any other person we spoke to at MB Finance. She not only looked into our issue, but she also had great follow thru and didn't make us feel like a number, but like a valued customer. Hopefully, she is recognized for her efforts because every other person we spoke to had either given us incorrect information, or passed us off to someone else. It is because of [redacted] that we will continue to use MB Finance in the future. Maybe she should give the rest of the staff lessons in customer service. Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my dispute Please enter your reason(s) for rejecting the business response below.Good Morning [redacted] yes I spoke with [redacted] and we received a letter from her on behalf of Mercedes Benz Financial [redacted] informed me as to the reasons of why it took weeks to respond back from our initial complaint stating that the payment center did not forward my certified letters to the correspondence department and that there client care center is handle by Mercedes Benz USA and that she doesn't have access to that department and that it is seperate altogetherEither way to me that is not how a corporation that bares the Mercedes Benz name and LOGO should operateThis is all under the same umbrella We do not accept their response nor her apology, because in our eyes its all BS [redacted] somewhat had a rehearsed response and reason when she call us from home to all of the various and legitamate complaints against Mercedes Benz Financial Services [redacted] did inform that she heard one of the message from me while speaking with Ilene but wasn't able to hear the restWith to us does not make since but okay cause she should have contacted MB USA to get those conversations [redacted] did NOT admit nor deny that her company informed Daimler of our recent purchase which prompted them to contact me via mail and phone to seek a charged off debt which wasn't surprising and was expected! I know what I knowWe still believe that this was done maliciously and with intend to try and go after me for something that is over 10yrsold and is not validDaimler responded at the time we should of been hearing back from MB Financial ServicesEither way that was nipped in the bud experdiciously via certified mail and at the bottom of that letter had Daimler underneathe the Mercedes Benz Financial Services company so yes it is indeed without a shadow of a doubt that they are affilitated and they alert that branch of our purchase [redacted] also stated that she fixed the system so that the billing and correspondence information to read both names and that they system didn't allow two names and that my name has always been on the contract and that, [redacted] also said had we signed that contract with the months for the term we would of been held to thatShe also said that it was on the dealership to allow us to get another truck they only deal with what is on that contractShe also asked if I did a complaint on MB of Orland Park and the answer is YES they were first[redacted] went own to say how bad she felt about this and that it should not have happened and that this could have been prevented [redacted] said what she needed to say We have notified Attorney General and are working with a Virginia Luevano,Citizen Advocate for other areas of our complaintI told [redacted] that I wasn't going to respond to this complaint because we have PROVED what we say to be true and said what we were going to say in the areas of what Revdex.com can handle and doBut we really truly believe that Mercedes Benz Financial Services did discriminatory business practices towards us and believe that it is RACIALDo they do this to all of their customers or is it just the BlacksEither way to treat anyone in the manner of what they done is unexceptable to all and once again to customers with Acredit is just not right and crazy! I don't like them nor trust Mercedes Benz Financial Services nor Mercedes Benz of Orland ParkAnd we are done with Mercedes Benz ALTOGETHER! they are being replaced with BENTLEY! We don't have time for their crap, we are living life right by Christ standards and choose not to deal with or be apart let alone patronize any company that does business such as the two we have mentioned and complaint aboutSo enclosing we will continue to make all payments on time until GOD directs us on how to terminate all business with them rather traor pay offMercedes Benz Financial Services to us is just as Shady as all of the other finance companies if not WORSTWe have nothing good to say about themAnd we should NOT have been made to pay for something that we had the right to changeBut they didn't do nothing but get various complaints about their negligence and questionable business practicesAnd like I stated before you can't say and do whatever you want to me or mine because I don't allow that and instead of me hitting you in headI will just hit you in the walletThen won't do business with you again then SPEAD THE WORD IN REVIEWS AND WORD MOUTH and my most favoriteWRITE A LETTER AND COMPLAINT ON YO AS!! MISPELLED WORDS GRAMMAR AND ALL@! YOU GET THE PICTURE! and understand what I am saying huH cause its called the "POWER OF THE PEN IS MIGHTiER THAN THE SWORD" and I also informed NAACP! These businesses do what they want, but you don't want to do that with meI will have them investigated in all ways and every area, this not a threat, but don't let DOLTON, IL fool youI have family as well as friends in high placesokay so don't say that you were not warned directed at both MB of Orland Park Revdex.com# [redacted] and Mercedes Benz Financial ServiCesWe Are Not Playing we anyone nor do we have the timeSo Thank you Revdex.com for your services to consumers and most of all getting them to FINALLY CALL USUNBELIEVABLE :"( Regards, [redacted]

I spoke with the customer yesterday and advised all bureaus have been updatedI mailed copies of the soft pulls to the address provided by the customerCustomer was satisfied