Client Services Credit Dispute Investigator

About Us:

Who is Mercedes-Benz Financial Services?
Mercedes-Benz Financial Services, part of the global company Mercedes-Benz Mobility AG is the captive financing and mobility solutions company of the global luxury automobile manufacturer, Mercedes-Benz AG. We offer a comprehensive range of automotive financial and insurance products that make it easy for our customers to drive their dream Mercedes-Benz vehicle.  
 
Why work at Mercedes-Benz Financial Services?
Working at Mercedes-Benz Financial Services is more than a job – it’s an opportunity to join an innovative team where you are valued for your contributions. As an employee, you will experience career development in a positive, employee-centric environment. We’re a global company that not only offers best-in-class products to our customers but also best-in-class benefits to our employees. Our employees experience a comfortable, friendly environment and relaxed, inclusive culture.   

Benefits

When working at Mercedes-Benz Financial Services, you will enjoy a comprehensive and amenity-rich benefits package offering something for every employee at each stage of their life. 

As a new employee, you will have the opportunity to take advantage of the following benefits that go beyond – beginning day one:

Get Rewarded! Competitive salary plus an annual bonus based on company performance and/or personal yearly performance  

Need a vacation? How about just some time for YOU! In addition to our vacation time, you’ll receive fifteen (15) additional corporate holidays, which will allow you to celebrate religious holidays or escape to the spa! Designed to be flexible, we let you decide which days are most important to you!

Ride in Style - All employees are eligible to participate in the Mercedes-Benz Employee Lease Program

We want you to be healthy!  Outstanding medical, dental, and vision insurance, employer-paid short and long term disability plus on-site exercise facilities

Is your family growing?  Enjoy generous paid Family Leave Programs  - Six Weeks for New Parents; Adoption Expense Reimbursement Programs - up to $6k per child  

Want to go back to school?  Tuition Assistance Scholar Program - receive up to $8k in vouchers to complete business-related coursework

• $6k for undergraduate
• $8k for graduate

Job Overview:

The Credit Dispute Investigator researches, investigates, and responds to consumer credit disputes in compliance with the Fair Credit Reporting Act (FCRA), documented policies, procedures, and applicable regulatory standards. Responsibilities include reviewing direct and indirect consumer disputes, conducting thorough investigations into disputed information, including allegations of fraud and identity theft, collaborating with the Fraud Department and Fraud Investigators when appropriate, determining and documenting appropriate actions taken, responding to disputes within required regulatory timeframes, and submitting corrections to credit bureau reporting where applicable to ensure accurate credit reporting.

Responsibilities:

• Investigate disputes received through consumer e-OSCAR concerning credit information furnished by Mercedes-Benz Financial Services. Conduct thorough reviews of account records, payment histories, contractual documentation, bankruptcy information, fraud indicators, and other relevant data. Determine the accuracy of reported information, submit dispute responses to credit bureaus, and ensure compliance with Fair Credit Reporting Act (FCRA) requirements and established company procedures. (70%)

• Process identity theft block notifications received from consumers or consumer reporting agencies. Review supporting documentation, including police reports and identity theft affidavits, place appropriate credit reporting restrictions, coordinate with Fraud Control when required, and ensure affected tradelines are handled in accordance with regulatory requirements and company procedures. (5%)

• Review and process requests to remove previously established identity theft blocks when sufficient evidence supports rescission. Validate documentation, coordinate with fraud investigation teams and consumer reporting agencies as necessa