Total CFPB complaints
307
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 307 complaints
Mercedes Benz Financial Services — Debt Collector Complaint Profile
CFPB complaint profile across 33 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Mercedes Benz Financial Services
- Attempts to collect debt not owed
Attempts to collect debt not owed
132 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
61 complaints
- Written notification about debt 41
Written notification about debt
41 complaints
- False statements or representation 25
False statements or representation
25 complaints
- Communication tactics 12
Communication tactics
12 complaints
- Disclosure verification of debt 8
Disclosure verification of debt
8 complaints
D
Grade D · 58.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Mercedes Benz Financial Services?
Mercedes Benz Financial Services has accumulated 307 total CFPB complaints across 33 states, with 90 filed in the most recent 12 months against 217 historical complaints before that window. The trailing-12-month volume represents 29.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 18% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 33 states, led by California with 79 and Florida with 44, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.1/100 places Mercedes Benz Financial Services in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
90
29.3% of total history
Rising ↑
States active
33
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
18%
After company response
Reputation grade
D
58.1/100 composite
Response-quality profile
How Mercedes Benz Financial Services performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 36.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 58.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Mercedes Benz Financial Services compare to its peers?
Mercedes Benz Financia… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed132 (%)
Took or threatened to take negative or legal action61 (%)
Written notification about debt41 (%)
False statements or representation25 (%)
Communication tactics12 (%)
Disclosure verification of debt8 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 52 |
| Attempts to collect debt not owed | Debt is not yours | 49 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 46 |
| Written notification about debt | Didn't receive enough information to verify debt | 33 |
| Attempts to collect debt not owed | Debt was paid | 31 |
| False statements or representation | Attempted to collect wrong amount | 25 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 15 |
| Communication tactics | Frequent or repeated calls | 12 |
| Disclosure verification of debt | Not given enough info to verify debt | 8 |
| Written notification about debt | Didn't receive notice of right to dispute | 8 |
Where do complaints against Mercedes Benz Financial Services come from?
The states where consumers have filed the most CFPB complaints against Mercedes Benz Financial Services. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Mercedes Benz Financial Services
Across 33 states with at least one filing
- California
California
79 complaints
- Florida
Florida
44 complaints
- Texas
Texas
37 complaints
- New York 31
New York
31 complaints
- Georgia 14
Georgia
14 complaints
- Connecticut 8
Connecticut
8 complaints
- Virginia 8
Virginia
8 complaints
- Pennsylvania 8
Pennsylvania
8 complaints
Frequently Asked Questions
What is the most common complaint against Mercedes Benz Financial Services? ▼
The most common issue consumers report about Mercedes Benz Financial Services is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 307 complaints filed with the CFPB.
Are complaints against Mercedes Benz Financial Services increasing or decreasing? ▼
Complaints against Mercedes Benz Financial Services are rising. The company received 90 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Mercedes Benz Financial Services's reputation grade? ▼
Mercedes Benz Financial Services has a reputation grade of D (score: 58.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Mercedes Benz Financial Services respond to consumer complaints? ▼
Mercedes Benz Financial Services has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.
In how many states does Mercedes Benz Financial Services operate? ▼
Mercedes Benz Financial Services has received CFPB complaints from consumers in 33 states, with the most complaints from California (79 complaints).
What can I do if Mercedes Benz Financial Services is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Mercedes Benz Financial Services violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |