Complaints

This profile includes complaints for Mercedes-Benz Financial Services USA LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Mercedes-Benz Financial Services USA LLC

  14372 Heritage Pkwy Fort Worth, TX 76177-3300

• 

  Mercedes Benz Credit Financial

  27777 Inkster Road Farmington, MI 48334

• 

  Mercedes Benz Credit Corp

  1100 Washburn Rd Madison, NC 27025

• 

  Mercedes Benz Financial Services

  36455 Corporate Dr Farmington, MI 48331

• 

  Mercedes Benz Financial Services

  35555 W 12 Mile Rd Ste 100 Farmington, MI 48331-3139

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I also noticed an auto lease from Mercedes-Benz Financial Services opened on October 31, 2023. I did not apply for or authorize this lease. This account is fraudulent and the result of identity theft. Please investigate and remove it from my credit report.

  Business Response

  Date: 07/19/2025

  Please see attached.

• Initial Complaint

  Date:07/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Pursuant to 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports, any information reported on my consumer report requires explicit written consent. At no time did I provide such consent, and reporting this information without my authorization is a clear act of fraud. Under 15 U.S. Code 1681a(2)(B) - Exclusions from a Consumer Report, any credit transaction that involves the use of a Social Security card is required to be excluded from a consumer credit report. This account violates that provision and should not be reported.

  Business Response

  Date: 07/24/2025

  Please see attached. This response includes both vehicles. 

• Initial Complaint

  Date:07/04/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  FACTUAL BACKGROUND On March 18, 2025, I voluntarily surrendered my 2023 Mercedes-Benz Sprinter Van to Mercedes-Benz Financial Services at the designated return location *****************************************************The vehicle under VIN No. ***************** was returned in good condition, and I complied fully with all your instructions.Subsequently: I did not receive any notice of the auction or sale of the vehicle, and I was never given the opportunity to attend or observe the sale. I later received a letter claiming the vehicle sold for only $22,500, leaving a supposed deficiency balance of over $41,000, which I categorically dispute as inaccurate and unsupported. You failed to return my Minnesota license plate ******, an item of personal property. You failed to explain or apply any ************** which should have covered some or all of the alleged deficiency. You have failed to provide documentation demonstrating that your actions complied with state and federal laws.DEMANDS In light of these violations, I hereby demand the following actions within fifteen (15) calendar days of your receipt of this notice:1. Permanently delete the negative repossession tradeline from all consumer credit reporting agencies: *******, ********, and ***********2. Provide full documentation, including: All pre-sale notices sent to me as required by Florida Statutes ******* and679.614. Full details of the auction (date, time, location, final buyer, and sale price) as required under ******* and679.614. A detailed accounting of how the deficiency balance was calculated. Evidence that ************* was applied, or an explanation as to why it was not.

  Business Response

  Date: 07/23/2025

  Please See The Attached Formal Response

• Initial Complaint

  Date:07/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a victim of identity theft. A fraudulent car loan account was opened with my social security at Mercedes Benz Financial Services. I notified the company via certified mail and email. I submitted the required documentation to resolve the issue. Mercedes Benz is non compliant in regards to providing me records pursuant to section 609(c) of the Fair Credit Reporting Act to pursue my case and absolve me from this fraud.

  Business Response

  Date: 07/11/2025

  Please see attached. 

• Initial Complaint

  Date:07/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I financed a Mercedes-Benz vehicle through MBFS and enrolled in **auto pay** through their online portal. However, the system consistently failed to process my payments, and I was inexplicably **locked out of the online payment platform**. Despite numerous phone calls and assurances from **** representatives that my access had been restored and there were no issues on their end, I remained unable to make payments through their portal.Due to this continued issue, I resorted to using ******* ***** **** Pay system** to ensure timely payments. I began using this method around **September 2024**, setting up automatic payments for the full monthly amount. Unbeknownst to me, MBFS had applied **late fees of /$40** for two slightly delayed payments early in this transition, and I was **never notified**neither by mail nor electronicallyof any issues.Only after discovering **negative marks on my credit report**, which caused a **65-point drop in my score**, did I reach out again. It was then revealed that **MBFS had the wrong mailing address on file**, despite having had multiple conversations with them previously. The address was only corrected in **January 2025**, and until then, I had not received a single paper notification or late notice.I have a **consistent 100% on-time payment history** prior to this isolated issue, which was entirely caused by MBFSs system failures and internal mismanagementnot by any neglect on my part. I have made multiple requests to have the negative credit reporting **removed** or **amended**, and Ive been told theres nothing MBFS can do, despite the clear systemic failures on their part.This situation has caused unnecessary damage to my credit over **/$80 in late fees** I was never made aware of and was not given a fair opportunity to correct due to MBFSs lack of access, miscommunication, and failure to properly notify me.

  Business Response

  Date: 07/22/2025

  Please See The Attached Formal Response.

• Initial Complaint

  Date:07/02/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Repeated Vehicle Failures and Unlawful Charges from Mercedes Benz (VIN: ***************** and *****************)In July 2023, I entered into a lease agreement for a 2023 Mercedes-Benz GLC 300 From the outset, the vehicle suffered from recurring mechanical failures. It required service visits on Aug 10, 2023; March 25, 2024; July 26, 2024; September 20, 2024; and October 7, 2024. The final incident on October 7, 2024, involved a fuel pump failure that caused the vehicle to stall in traffic, placing me in a terrifying situation where another driver, enraged and armed, threatened me while I waited for a tow truck.Mercedes-Benz acknowledged the vehicle was inoperable and issued a replacement lease on October 15, 2024 . However, this second vehicle also proved defective. Within two weeks, it was back in the shop for service. Since then, it has required repairs on December 24, December 31, 2024, and again on May 28, 2025, including another engine stall that posed a serious road safety threat.Despite my good faith efforts to resolve the matter, Mercedes-Benz, via their claims processor Sedgwick, is attempting to charge me $12,873.52 in negative equity, in addition to fees for Prepaid Maintenance and 4N1 Assurance Protection, as part of their settlement offer. These charges are both inappropriate and unlawful under the principles of lemon law and consumer protection.Request for Relief:Immediate release from the lease agreement without penalty.Refund of all payments made toward both defective vehicles.Full waiver of any negative equity or ancillary product charges.Any civil penalties deemed appropriate by your office against Mercedes-Benz USA and/or Sedgwick.I have already filed a complaint with the ***** (ID Number: *********. I am now requesting formal intervention and enforcement through your office.

  Business Response

  Date: 07/21/2025

  Please see attachment 

  Customer Answer

  Date: 07/29/2025

  Complaint: 23551326
  
  I am writing to formally reject the response submitted by Mercedes-Benz Financial Services USA LLC regarding my complaint. This matter has been ongoing since December 2024, and despite repeated effortsincluding outreach to MB of ***************, MBFS, the BBB, and now CFPBthere has been no meaningful resolution.
  

  To summarize:
  

  Mercedes-Benz sold me TWO defective vehicles, both of which experienced serious mechanical issues that posed life-threatening dangers. The first, a 2023 model, suffered from a malfunctioning fuel pump, battery sensor, and dashboard mechanical failures, ultimately resulting in a near-fatal incident. The vehicle was surrendered and replaced only after the manufacturer acknowledged the defect.

  
  However, despite that, I am now being held financially responsible for approximately $12,000a charge stemming from negative equity and other costs related to a lease that should have been VOIDED entirely due to manufacturer fault.

  To make matters worse, the replacement 2025 vehicle has also experienced multiple safety-related failures and currently remains in the repair shop. These repeated failures and ongoing uncertainty have led to severe emotional and mental anguish, which grows worse each day this matter remains unresolved.

  The lack of accountability by Mercedes-Benz Financial Services and the inconsistent responses from all involved entities are disheartening, frustrating, and deeply unfair to a consumer who has done nothing but seek safe transportation and fair treatment.

  
  I respectfully request the following:

  
  Immediate release from the lease agreement without penalty.
  Refund of all payments made toward both defective vehicles.
  Full waiver of negative equity charges and any ancillary product costs.

  
  Finally, I ask that you ensure Mercedes-Benz is held accountable and that this complaint is not quietly closed without appropriate consumer protection or resolution. I have done everything in my power to resolve this through the proper channels and am now seeking your support in putting an end to this ongoing hardship.
  Thank you for your continued attention.
  Sincerely,
  ****** ****

  Business Response

  Date: 08/01/2025

  Please see attachment 

  Customer Answer

  Date: 08/02/2025

  Complaint: 23551326
  
  I am rejecting this response because:

  
  In July 2023, I entered into a lease agreement for a 2023 Mercedes-Benz GLC 300 4MATIC SUV (VIN: *****************) through Mercedes-Benz of ***************. From the beginning, the vehicle suffered from significant and recurring mechanical defects that made it unreliable and unsafe to drive.
  Service visits occurred on:
  August 10, 2023
  March 25, 2024
  July 26, 2024
  September 20, 2024
  October 7, 2024  This incident involved a fuel pump failure while I was in traffic, causing the vehicle to stall. I was left vulnerable on the road where an armed driver threatened me while I waited for roadside assistance.
  Mercedes-Benz ultimately replaced the vehicle with a new lease on October 15, 2024. However, the replacement vehicle was also defective. Within two weeks, it too required servicing. Additional service visits occurred on:
  December 24, 2024
  December 31, 2024
  May 28, 2025  once again involving engine stalling, posing a dangerous threat to my life and safety.
  Despite clear indications that both vehicles were unsafe and defective, Mercedes-Benz Financial Services (MBFS), through its claims administrator ********, is attempting to charge me $12,873.52 in negative equity, along with fees for Prepaid *************************************** Protection. These charges are improper and contrary to consumer protection laws and lemon law standards, especially in light of two failed vehicles.
  
  Summary of Violations:
  Multiple failed attempts to repair the same defect.
  Life-threatening stalling incidents involving both vehicles.
  Improper and unlawful charges (negative equity, product fees).
  Failure to properly relieve me of lease obligations despite ongoing mechanical failures.
  
  Request for Resolution:
  Full and immediate release from the lease agreement without penalty.
  Refund of all payments made toward both defective vehicles.
  Complete waiver of any negative equity or product-related charges.
  
  Timeline of Attempts to Resolve:
  Since May 28, 2025, I have made repeated efforts to resolve this issue, including outreach to:
  General Manager, Mercedes-Benz ***************
  MBFS (Mercedes-Benz Financial Services)
  MBUSA (Mercedes-Benz ***)
  ********************************************** (NHTSA) Complaint ID: ********
  Consumer Financial ***************** (****)
  Pennsylvania Attorney Generals Office
  Despite these efforts, I have received no meaningful resolution. The vehicle remains in the shop as of today more than three weeks and counting and I am caught between MBFS and MBUSA, each deflecting responsibility. Mercedes-Benz appears to be using technical language and obscure lease terms in a manner that a reasonable consumer would not be expected to fully understand, thereby evading accountability.
  
  Final Statement:
  A brand-new luxury vehicle should not suffer from persistent, life-threatening defects. The fact that both the original and replacement vehicles were defective and placed me in dangerous situations is not only unacceptable but also potentially fraudulent if the dealer misrepresented the nature of the replacement lease.
  I respectfully request that the Better Business Bureau assist in holding Mercedes-Benz USA accountable and ensuring that I receive a fair and lawful resolution to this ongoing hardship.
  

  Mercedes-Benz has demonstrated a troubling pattern of exploiting technicalities in the lease surrender process, deliberately taking advantage of my lack of specialized legal or automotive knowledge during an already vulnerable and stressful time. Instead of offering clarity, support, and accountability following the confirmed defects in not one but two vehicles, the company has chosen to deflect responsibility through opaque language, fine print, and calculated miscommunication between departments (MBUSA and MBFS).
  This conduct is not only unethical it borders on predatory. I was placed in life-threatening situations due to defective engineering, and instead of prioritizing my safety and resolution, Mercedes-Benz has weaponized contract language to shift blame and demand unjustified financial penalties. Their refusal to properly classify the second defective vehicle as a continuation of the first issue despite clear evidence is a manipulation of process intended to avoid the legal and financial obligations they owe under lemon laws and consumer protection statutes.
  In the midst of emotional distress, loss of transportation, and ongoing fear for my safety, Mercedes-Benz has treated me not as a valued customer, but as a liability to be silenced and financially burdened. This is a gross abuse of corporate power, and it underscores a wider systemic issue where large companies prey on everyday consumers who lack the resources to fight back.
  Regards,
  
  ****** ****

• Initial Complaint

  Date:07/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This month, I reviewed my credit report and identified an auto loan account with ********************** Benz Financial (Account Number: ************** opened in November 2021 with a balance of $63,616. I do not recognize this account, nor did I authorize or initiate any such transaction. I believe this may be the result of identity theft. I respectfully request a full investigation and the immediate removal of this fraudulent information from my credit report.

  Business Response

  Date: 07/10/2025

  Please see attached. 

• Initial Complaint

  Date:06/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to bring to your attention a fraudulent account that has been opened in my name. I did not authorize the opening of this account. Below are the details of the fraudulent account:1. ********************** BENZ FINANCIAL Opened Date: 1/16/2021 Account Number: ************* High **********************: $80,885.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

  Business Response

  Date: 07/15/2025

  Please see attached.

• Initial Complaint

  Date:06/25/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I got a 2018 *** 250 in February of 2023 from the *********** branch and in July of 2023 I voluntarily surrendered the vehicle back because I found it was just not worth what I was paying and couldnt pay for it. I filled out the voluntary surrender form and towed the car to the Atlantic branch and dropped the key off and turned in my paperwork. I informed the shop the car was in surrender and I informed the financial team of the location a year and a half later the car was never picked up due to the dealership not disclosing its location come December 2024 the financial team attempted to retrieve the vehicle again asking for proof I towed the car to the dealer I submitted proof and I even used Mercedes roadside to tow it come march the car was towed off the dealership and then sold for 600 and Im told by the dealership and finance department Im responsible after having watched them go back and forth pointing fingers and blaming each other about whos responsible. Now somehow im responsible for not taking photos of who I spoke to that day 2 year ago or remembering the name of the worker I spoke to that day. I did everything I was told to do by Mercedes **** department I personally verified the cars odometer and location at the dealership I did my part as the consumer. I dont feel like it is fair or Im responsible for a vehicle that I surrendered to be recovered and I dont feel its fair that it was sold for 600 dollars to someone most likely an employee of Mercedes for 600 and it continues to stay on my credit for 36000$ its not fair and it seems like a complex form of theft. I need a resolution and I dont feel its fair that I as the consumer followed instructions given to me by all Mercedes staff to still be responsible this is stressful and its damaging my ability to get another car .

  Business Response

  Date: 07/10/2025

  Please see attached. 

• Initial Complaint

  Date:06/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Subject: Formal Complaint Florida UCC Violations by Mercedes-Benz Financial and Misrepresentation of Credit Tradeline Dear Better Business Bureau, I am filing this formal complaint against Mercedes-Benz Financial Services USA LLC regarding a misleading and inaccurate tradeline currently being reported on my credit file. This account arises from a prior auto loan transaction in which Mercedes-Benz Financial acted as the secured party. However, the handling of the collateral, repossession, and subsequent credit reporting has violated multiple sections of Floridas Uniform Commercial Code (Chapter 679, Florida Statutes), making the tradeline legally invalid, misleading, and damaging to my consumer profile. The following violations of *********** Article 9 (Secured Transactions) have occurred: Fla. Stat. ******* Failure to Notify Before Disposition of Collateral Fla. Stat. ******* Contents and form of notification before disposition of collateral Fla. Stat. ******* Failure to Provide Explanation of Deficiency Balance Fla. Stat. ******* Absence of Waiver of Notification Rights Fla. Stat. ******* Commercial Unreasonableness of Disposition Due to these serious violations of Floridas UCC statutes, I am respectfully requesting that the Better Business Bureau intervene by: Investigating Mercedes-Benz Financial for noncompliance with Florida UCC procedures; Requesting that the alleged debt be fully waived, as it is legally unenforceable; Demanding that the tradeline be permanently deleted from all consumer credit reporting agencies; Requiring Mercedes-Benz Financial to provide proof of delivery of all required *** notices and waivers, which I affirm have never been received. This tradeline is false, harmful, and legally defective, and it is being reported in violation of Florida commercial law and consumer protection principles. I request a full investigation and prompt corrective action.

  Business Response

  Date: 07/15/2025

  Please see attached.