Frequently Asked Questions

My Account

Am I able to limit methods of contact from you?

Yes. Our policy is to honor customer preferences and restrictions. If an account becomes delinquent, we may attempt to contact you using your contact information. If you would like to limit or restrict contacts, we encourage you to contact us as follows and let us know your preferences: U.S. Mail: Stellantis Financial Services, Inc. Attn: Compliance Department, 3065 Akers Mill Rd SE, Suite 700, Atlanta, GA 30339 or by E-Mail: compliance@stellantis-fs.com

Are there any penalties or fees for paying off my account early?

There is not a prepayment penalty for paying off your loan account prior to the contractual maturity date.

For lease accounts, there may be an early termination fee. Please reference your lease agreement documents for full details.

Do you have other contact methods?

Yes. Please visit our Contact Us page at https://www.stellantis-fs.com/Customers/ContactUs

Do you offer purchase money or refinance loans?

No. We only take assignment of retail installment contracts from authorized dealerships.

Does Stellantis Financial Services, Inc. offer refinance loans?

No. We only take assignment of retail installment contracts from authorized dealerships.

How do I add/remove someone on the loan?

This is generally not permitted. Call Customer Service at 800-234-0971 to discuss.

How do I call you about my account?

For Loans:

You may contact our Loan Customer Service Department at 800-234-0971. Our hours of operation are Monday through Friday 8:00AM to 8:00PM (EST).

For Leases:

You may contact our Lease Customer Service Department at 800-439-0985. Our hours of operation are Monday through Thursday 8:00 AM – 11:00 PM (EST), Friday: 8:00AM – 9:00PM (EST), and Saturday: 9:00AM - 5:30PM (EST).

How do I update my account information?

For Loans:

You may contact our Loan Customer Service Department at 800-234-0971. Our hours of operation are Monday - Friday 8:00AM - 8:00PM (EST).

For Leases:

You may contact our Lease Customer Service Department at 800-439-0985. Our hours of operation are Monday through Thursday 8:00 AM – 11:00 PM (EST), Friday 8:00 AM – 9:00PM (EST), and Saturday 9:00AM - 5:30PM (EST).

Requests by E-mail:

You may also contact us via e-mail at ccare@stellantis-fs.com.

How do you figure the amount of interest taken from each payment of my loan?

Multiply your principal balance by your interest rate and divide that figure by 365. That will give you the per diem interest (daily interest). Then count the number of days between payments and multiply that sum by the per diem interest. The resulting amount is the accrued interest for that payment. Example: ($10,000 principal x 18% interest rate) / 365 = $4.93 per diem interest). Please see "What is a simple interest contract?" for more information.

If you have further questions, you may contact our Customer Service Department via telephone at 888-234-0971, Monday through Friday, 8:00AM - 8:00PM (EST), or via email at ccare@stellantis-fs.com.

You may also contact our Compliance Department as follows:

Stellantis Financial Services, Inc. Attn: Compliance Department

3065 Akers Mill Rd SE, Suite 700

Atlanta, GA 30339

I forgot my password. How can I get a new one?

For Loans:

You may contact our loan customer service at 800-234-0971. Our hours of operation are Mon - Fri 8:00AM to 8:00PM (EST).

For Leases:

You may contact our lease customer service at 800-439-0985. Our hours of operation are Mon – Thurs 8:00 AM – 11:00 PM (EST), Friday: 8:00 AM – 9:00PM (EST), and Saturday: 9:00AM - 5:30PM (EST).

I have legally changed my name. How do I update my name on my account?

You may send correspondence (make sure to reference your account number) and proof of your name change such as court documents, driver's license, marriage certificate, divorce decree to:

For Loans:

Stellantis Financial Services

3065 Akers Mill Rd SE

Suite 700

Atlanta, GA 30339

For Leases:

Stellantis Financial Services

6400 Main Street Suite 200

Amherst, NY 14221-5803

Or you may e-mail your correspondence and documents to ccare@stellantis-fs.com.

I have reached the end of my loan. Why do I still have a balance?

The reasons can vary. You may have made late payments, had return check items, or received one or more payment extensions. If your contract is a simple interest contract, then the finance charge disclosed to you in your contract assumed that all payments would be made in full on the scheduled due dates. The actual amount of finance charges incurred, and the actual amount of your final payment will depend on your payment record. If you make payments after the scheduled due dates or received any payment extension(s), you will pay more finance charge/interest and you may have a balance remaining after your final scheduled payment. If you make payments before the due date and do not defer any payments, you will pay less finance charge/interest over the life of the account. If you have reached your maturity date and have a remaining balance, it will be due at the maturity date. However, it may be possible to pay the remaining balance over time, instead of all at once. Please call our Customer Care Department at (800) 234-0971, Monday through Friday 8:00am to 8:00pm (Eastern Time).

If my vehicle is repossessed, may I get it back?

You always have the right to redeem the vehicle by paying the full amount owed prior to the sale of the vehicle. In some states, you have the legal right to reinstate the contract by paying the delinquent amount (including fees) prior to the sale of the vehicle. In states where reinstatement is not legally required, you may be eligible to reinstate the agreement and get back the vehicle before the vehicle is sold. Information concerning redemption and reinstatement will be included in our notification letter that will be or has been sent to you. To find out if your account is eligible for reinstatement and, if so, the amount to reinstate, call us at 1-800-234-0971.

Is my interest rate fixed on my loan or will it increase after a certain period of time?

We offer fixed rate, simple interest loans, which means the interest rate is fixed and will remain constant throughout the entire term of the loan.

May I change my due date?

For loans, you may change your due date more than once, but never more than 20 days beyond the original due date. Please contact our Loan Customer Care Department at (800) 234-0971 Monday through Friday 8:00AM - 8:00PM (EST), and we will go through the requirements and work with you to get your due date changed.

For leases, a due date change can be accommodated once throughout the life of the contract. Please contact our Lease Customer Care Department at (800) 439-0985, Monday through Thursday 8:00AM - 11:00PM (EST), Friday 8:00AM - 9:00PM, Saturday 9:00AM -5:30PM (EST), and we will go through the requirements and work with you to get your due date changed.

What is a simple interest contract?

Please read the following article located in our 'Learning Center' https://www.stellantis-fs.com/LearningCenter/Calculating-Simple-Interest

What is a VIN and where can I find it?

The VIN is also known as your Vehicle Identification Number or serial number. It is a 17- digit number and letter sequence that can be easily found on your insurance card, registration, or original purchase paperwork. It is also located on your vehicle's dash or inside of the driver's door.

What should I do if I file a Bankruptcy petition?

If you have filed a Bankruptcy petition, please contact our Bankruptcy Department at 888-622-9208. Send all Bankruptcy documents to Stellantis Financial Services, Inc., Attn: Bankruptcy Department, 3065 Akers Mill RD SE. Suite 700, Atlanta, GA 30339.

Why did I receive a late fee?

If your payment was received after the grace period, you will be assessed a late fee. For additional details, please refer to your loan or lease agreement.

Why is my principal balance on my loan not moving as much as I think it should?

It is important to remember that finance charges such as interest are calculated on your declining principal balance and your daily finance charge declines as your principal balance declines. That means that a greater percentage of your monthly payment is distributed to finance charges/interest early in the life of the contract because of the larger principal balance, and a greater percentage is distributed to the principal toward the end because of the smaller principal balance. Thus, the principal balance decreases slowly at first and more quickly closer to the end of the contract. The timing of your payments also will vary the finance charges you owe. Since finance charges will accrue daily for simple interest contracts; the actual amount of finance charge and the actual amount of your final payment will depend on your payment record. If you make every payment on the due date, you will pay off the contract in the time frame and amount described in your contract. If you make your payments before the due date, you will pay less in finance charges. The later you make your payments after they are due, you will pay more in finance charges. This illustrates the importance of making payments on time. Late payments will result in more of each payment being distributed to finance charge/interest and the balance being reduced more slowly. Also, depending on your contract, you may be subject to a late fee if the monthly payment is not made within the "grace period." Depending on your contract, you may be subject to an NSF fee for payments made with insufficient funds. If permitted by the contract and state law, part of your payment may be applied to these fees prior to principal. Payment extension(s) will result in a longer repayment period than originally scheduled. Any payment extension(s) will result in more finance charges/interest accruing on your account and a slower reduction of your principal balance than if payments were made as originally scheduled in your contract. Interest will continue to accrue during the extension period and your payment following the extension period will be applied to pay the unpaid interest that accrued during the extension. Similarly, a due date change may result in more finance charges/interest than if all payments were made as originally scheduled. Please see "What is a simple interest contract?" for more information.

I am a relative of a customer who has passed away. What do I need to provide you to receive account information?

First, unless you are also a customer, you are not obligated to make any payments. Next, in order for us to discuss the account with you, we will need to confirm that you are eligible to represent the estate of the customer. Depending on your relationship with the customer, documents that may be needed include a copy of the death certificate and court-issued Letters Testamentary, Letters of Administration, or Certification of Appointment appointing you as an executor, personal representative or administrator. Please be advised that a Power of Attorney designating another to act on behalf of the account owner (the principal) is valid only during that account owner’s lifetime; the power to act ends with the account owner’s death.

Does Stellantis Financial Services require me to purchase optional ancillary products from the dealership?

No. We do not require the purchase of any ancillary products (e.g., GAP, credit insurance, service contracts) by a consumer in order for us to approve a credit application or for a consumer to receive a better rate. If your transaction with the dealership included any ancillary product that you did not agree to purchase, please let us know at compliance@stellantis-fs.com. Also, most ancillary products may be cancelled and you may be entitled to a refund or rebate. If you would like to cancel an ancillary product, you may call us at the following numbers: Retail Accounts please dial 1-(800) 234-0971 (MON-FRI 8:00 AM - 8:00 PMT EST) and lease accounts please dial 1-(800)-439-0985 (MON-THUR 8:00 AM - 11PM EST / FRI 8:00 AM - 9:00 PM EST / SAT 9:00 AM-5:30 PM EST) or notify us at compliance@stellantis-fs.com and we will gladly assist you in cancellation.

I'm at the end of my loan, which should I expect?

Congratulations for getting one step closer to taking full ownership of your vehicle! As you approach your loan maturity date, make all outstanding balances are resolved.

If your loan balance is greater than initially scheduled, you may have the option to continue with regular scheduled payments. You may contact our Customer Care department at (800) 234-0971, Monday through Friday, 8:00am to 8:00pm (Eastern Time) to discuss options.

If you are enrolled in autopayments, and your remaining balance is less than the scheduled amount, auto payments will cease. You will need to make a manual payment for the remaining balance.

Once your remaining balance is cleared, you can expect to receive your title or lien release (depending on your state) within 30 days. Additionally, a paid-in-full letter will be sent to you for your records.

I purchased ancillary products, am I able to cancel them?

Yes. Stellantis Financial Services does not require the purchase of any ancillary products in order to be approved for financing. Ancillary products are optional. Common ancillary products include:

Credit life and disability – A type of insurance, abbreviated as CLAH, that pays off your loan balance if you die or are disabled.

Extended service contract – Covers indicated repairs for a specified period or amount of mileage.

GAP coverage – Pays for the difference between the insurance settlement amount and your outstanding financing balance if the vehicle is declared a total loss or stolen. (May not cover the entire deficiency balance if the account has a history of late or deferred payments).

Maintenance – Includes regular maintenance such as oil changes, tune-ups and new tires to keep your vehicle running well.

Tire and wheel – Takes care of the repair or replacement of tires and wheels if they are damaged by road hazards that can include nails, debris and potholes.

Often, ancillary products will be canceled when a customer pays off their vehicle early, whether through a trade in, sale or otherwise paying down the balance of their loan or lease before its maturity date. Other reasons can include events such as a total vehicle loss, repossession or simply a change of mind.

If the product is eligible for cancellation, you may receive funds for unused premiums. Generally, there are two ways in which that can take place. When your vehicle is paid off, you will receive any money owed as a check which could be sent to you directly by the dealer or by Stellantis Financial Services. If there’s an outstanding balance on your account, then the money you are owed will be credited to the account. If there is not an outstanding balance, refunds take up to 60 days from the event that triggered the refund process.

If you would like to cancel an ancillary product, you may call us at 1-(800) 234-0971 or notify us at compliance@stellantis-fs.com and we will gladly assist you in cancellation.

Payments

Is the third party bill payment service DOXO affiliated with Stellantis Financial Services?

Stellantis Financial Services does not maintain a relationship with the third party bill payment service DOXO. Stellantis Financial Services does not impose a fee when making a payment with us directly via ACH. DOXO and other companies are not affiliated with us and you are not obligated to use their services. If a bill pay company claims to be affiliated with Stellantis Financial Services, please let us know via telephone at 800 234 0971 or e-mail us at reportfraud@stellantis-fs.com.

Some payments require a third-party fee. May I pay without paying a fee?

Yes. You may always make an ACH payment by phone or online. Have your bank routing number available. This is a free service when paying via ACH.

Can I make additional payments to principal and what happens when I send extra money above the regular payment amount?

When you make your regular monthly payment, you may include an additional amount. Any amount in excess of the accumulated interest due (and applicable fees that are due and payable, if any) will be applied to your account.

Do you accept principal only payments?

No. If you make a payment that is much larger than the contractual monthly payment, the large amount may advance the next due date more than one month. Even if a payment is not due in a month, be aware that interest is still accruing. To avoid unwanted interest charges and reduce the amount of interest paid over the life of the account, you have the option to consider making additional payments before the next required payment. You can call us to find out how much interest has accrued.

Do you resubmit payments returned for insufficient funds?

If a payment is returned due to insufficient funds or uncollected funds, we may choose to resubmit the payment a second time if the payment is eligible for resubmission. Resubmission may occur up to 7 days after the original payment date.

Does interest continue to accrue if I get an extension on my loan?

Yes. Interest will continue to accrue during the extension period and your payments following the extension period will be disproportionately allocated to the unpaid interest. This will result in more interest accruing on your account and a higher principal balance remaining at the end of the term than if payments are made as originally scheduled in your contract.

How do I cancel a pending web or telephone payment?

For a telephone payment, you may call to cancel or reschedule your payment. You must call at least 24 business hours in advance of the scheduled due date. For a web payment, you should log into your account and cancel the payment at least 1 business day prior to the payment date. If the payment has been processed, you will not see the payment as pending on the web site and will be unable to cancel.

Refer to our "Contact Us" page for contact information based on your Retail (traditional finance accounts) or Lease.

I signed up for recurring automatic payments. How do I cancel the service?

Autopayments will be debited until you provide a notice of cancellation, the account is paid in full, or if the maturity date is reached. Notice of cancellation must be received at least three business days prior to the scheduled “debit” date. Cancellation may occur orally (please see the "Contact Us" page for contact information based on Retail/Lease) or in writing. You may also cancel in writing by e-mail by sending it to compliance@stellantis-fs.com, or by US Mail or courier to Stellantis Financial Services, Inc., Attn: Compliance Department, 3065 Akers Mill Road SE, Suite 700, Atlanta, GA 30339.

I signed up for recurring automatic payments. Why was the service cancelled?

Automated payments will be debited automatically until (a) you provide a notice of cancellation, (b) the account is paid in full, or (c) the scheduled maturity date is reached. If there are three consecutive Autopay NSFs for the same bank account, we will automatically cancel the recurring payments.

Also, if you are approaching your scheduled maturity date, and the last payment is less than the scheduled amount, your automatic payment schedule will not withdraw the remaining amount. You will have to pay that amount manually by Online, Phone, or Mail.

If approved, will the extension have any impact on my loan account/contract?

Yes. The extension of the payment(s) will impact your original term. For example, if your contract has a 60-month term and you receive a two-month extension, your term will now be scheduled to expire at the end of the 62nd month, not after the 60th month. Therefore, if approved, a payment extension(s) will result in a longer repayment period than originally scheduled, will result in more interest accruing on your account, and will result in a higher principal balance remaining at the end of the term than if payments are made as originally scheduled in your contract. Interest will continue to accrue during the extension period and your payments following the extension period will be disproportionately allocated to the unpaid interest. GAP/debt cancellation waivers may be impacted by payment extension(s) and any claim may not pay the entire remaining balance.

If my account is paid off and there is an overpayment, when will I receive my refund?

All overpayment refunds are required to be sent to customers no later than 30 calendar days after the account has been paid in full. If you do not receive your refund shortly after 30 calendar days of the account being paid in full, please notify us at compliance@stellantis-fs.com.

Is the online payment option available for charged off accounts?

Is there a grace period for making payments?

Your payment is due on the due date disclosed in your contract. Grace periods only apply to the assessment of late fees, if permitted by state law and your contract. Your grace period, if any, is disclosed in your contract. If you have a question or concern about your grace period or any fees, please contact us at compliance@stellantis-fs.com.

May I have my payment automatically debited from my checking account?

Yes. the best way to set this up is to register at www.stellantis-fs.com. All you need is your account number and social security number. This is an optional service, and you are not required to sign up for automatic recurring payments to be approved or to receive a specific interest rate. For more information about the benefits of AutoPay, please see Save Time & Money With Auto Pay (stellantis-fs.com)

May I make my payment using a credit/debit card?

For Loans:

We do not accept payments via credit card, but we are able to accept debit card payments through a third-party processing company. Our service provider may charge a fee for their services on a debit card transaction. These fees or any portion of these fees are not assessed nor collected by Stellantis Financial Services. However, if you make a payment via using your savings or checking account/ACH, this transaction is free of charge.

Account payments can be processed by logging on to Customer Portal: Stellantis Financial Services Incorporation (paymentus.com).

Additional free payment options are: Check via mail, ACH via telephone.

Please note: In certain states, where required, the processing fee for debit card transactions may be automatically waived by the service provided.

Debit payments initiated after 8:00 PM (Eastern Standard Time) will be credited to your account the following day.

For Lease:

We do not currently accept debit or credit card. You may pay via using either your savings or checking account/ACH free of charge. Please allow 1 to 2 business days for your payment to apply to your account. Due to the delay in applying the payment, please schedule your payment early enough in order to not be assessed a late fee.

Account payments can be processed by logging on to Stellantis Leasing (stellantis-fs.com).

May I pay ahead and move out my next due date?

If you make a payment that is much larger than the contractual monthly payment, the large amount may advance the next due date more than one month. Even if a payment is not due in a month, be aware that interest is still accruing. To avoid unwanted interest charges and reduce the amount of interest paid over the life of the account you have the option to consider making additional payments before the next required payment. You may call us to find out how much interest has accrued.

May I request a payment extension on my loan and, if so, do I need to sign an agreement?

To see if your account is currently eligible for any payment extension(s), call 1-800-234-0971. If it is, you will need to submit a payment extension application and receive approval. All pages of the payment extension application must be returned to us. Approval is not guaranteed, so please continue to make timely payments until you are notified that the extension application has been approved.

May I set up the auto debit for more than my regular payment amount?

No, our automatic payment system is set to accept the “Bill Amount on the Due Date." The automatic payment system will execute the monthly amount due as of the due date.

What is the payoff address?

For loans:

Overnight payoffs should be mailed to:

Lockbox SVCS 205749

Stellantis Financial Services, Inc.

2975 Regents Blvd, Suite 100, Irving, TX 75063

Regular mail payoffs should be mailed to:

Stellantis Financial Services, Inc.

PO Box 205749

Dallas, TX 75320-5749

For leases:

Overnight payoffs should be mailed to:

Stellantis Financial Services

6400 Main Street Suite 200

Amherst, NY 14221-5803

Regular mail payoffs should be mailed to

Stellantis Financial Services

PO Box 1730

Williamsville, NY 14231

What is your payment schedule for loans (weekly, bi-weekly, monthly)?

Payments are required to be made on a monthly basis on or before the due date listed in the contract. Payments are considered past due if not received by the due date, even if your contract contains a “grace period.” If your contract permits a late fee, a “grace period” only pertains to when a late fee will be assessed. You may always make a payment(s) prior to your due date or prepay the loan without a prepayment fee. In fact, if you make payments before the due date, you will pay less finance charge over the course of the loan than disclosed in the contract.

What payment options do you offer?

We offer several convenient ways to pay for your account. Find the option that best fits your needs on your monthly servicing statement or by visiting our Payment Options page at https://www.stellantis-fs.com/PaymentOptions

What should I do if I am having difficulty making payments?

We may be able to work with you to try to make the best of a difficult situation. Timing is critical and we encourage our customers to contact us as soon as they identify the onset of financial hardship. The sooner we are notified, the more options we may have available to assist you. If you need assistance, contact us by calling 800-234-0971, Monday-Friday from 8:00 am until 6:00 pm ET.

Why is my payoff higher than my current balance?

Your current balance is your principal balance only. A payoff includes the principal balance, any outstanding fees, and the interest accrued since the last payment we received up through the payoff date. There is no penalty for early payoff.

Will I receive a coupon book?

No. We will send you a monthly servicing statement.

Are you affiliated with or do you participate in payment accelerator programs offered by AutoPayPlus or other companies?

No. Before signing up with any payment provider, we recommend closely reviewing the terms, conditions, and representations, including any claims concerning “savings.” Many of these claims omit the impact of an enrollment fee. We do not require any consumer to sign up with any third party payment companies. If you experience any issues or have concerns about any such product, please contact us and we may be able to provide assistance.

Statements

Am I able to review paperless statements from previous months?

Yes. You may access monthly servicing statements online. To view, download or print an account statement, go Stellantis-fs.com and enter your login and password. Select “Statements” and then select the statement month you would like to view or print. Please note: You are only able to view e-statements from the time you started using e-statements.

How do I obtain a replacement monthly servicing statement?

You may access monthly servicing statements online. To view, download or print an account statement, go Stellantis-fs.com and enter your login and password. Select “Statements” and then select the statement month you would like to view or print. Please note: You are only able to view e-statements from the time you started using e-statements.

How do I set up receiving paperless statement notifications?

On your desktop PC: Log on to www.stellantis-fs.com. If you are an existing customer, log into your account using your login ID and password, then click the "Customer” icon. If you are New customer, click on “Sign Up Now” and create a login and password. Once you are logged into your account you will be on the Main account page. Click on the icon called “Statements” You'll see an explanation about e-statement and a consent form. In order to receive e-statements and other electronic notices, you must read our Electronic Statement Disclosure & Agreement and agree to the terms and conditions thereof. You will also need to enter an email address and text and click I Agree. After that, your statements will be paperless, which you can access virtually anytime, from anywhere—simply by going to stellantis-fs.com and clicking on "Statements."

I signed up to receive paperless servicing statements and have changed my mind. How do I cancel my e-statement?

By email: Send your request to cancel to ccare@stellantis-fs.com Or in writing: Stellantis Servicing Corporation Attn: Compliance Department U.S. Mail/Delivery: 3065 Akers Mill Rd, Suite 700, Atlanta, GA 30339 E-Mail: compliance@stellantis-fs.com.

Why didn't I receive a monthly servicing statement?

Common reasons for not receiving a monthly statement in the mail may include: (i) Having an incorrect address on file (ii) Setting up paperless statements online (iii) Requesting to cease all communication with you (iv) Filing a Bankruptcy or petition.

If you believe that you should be receiving monthly servicing statements and are not, please call our Customer Service Department at 800-234-0971 for loans or at 800-439-0985 for leases.

Will I continue to receive a monthly statement after my account has charged off?

No, but a statement will be provided to you upon your request. You may request a statement by contacting our office at 1-888-622-9211 or you may email us at recovery@stellantis-fs.com.

How will I receive my statements?

Your statement delivery method is based on your preferences. For example, if you have signed up for electronic statements only, these will not be mailed. Otherwise, you should expect a monthly billing statement in the mail.

What should I do if I don't receive my first monthly billing statement?

You may contact our Customer Care Department:

For loans:

Contact Customer Care at 800-234-0971. Our hours of operation are Monday through Friday 8:00AM - 8:00PM (EST).

For leases:

Contact Customer Care at 800-439-0985. Our hours of operation are Monday through Thursday 8:00AM - 11:00PM (EST), Friday 8:00AM - 9:00PM (EST), and Saturday 9:00AM - 5:30PM (EST).

Credit Reporting and Bankruptcy

Are you able to grant a request for a goodwill modification (i.e. removing valid information, such as delinquencies)?

We are unable to modify information that is reporting accurately to the consumer reporting agencies. Goodwill requests may be sent to compliance@stellantis-fs.com. We will review reporting for accuracy and any valid delinquencies will continue to report.

Do you furnish information to the credit bureaus?

We may report information about your account to Equifax, Experian, TransUnion, and Innovis. Late Payments, missed payments, or other defaults on your account may be reflected in your credit report. Most accounts are reported; however, there may be instances in which we will not report data to the consumer reporting agencies. Accounts that are in Bankruptcy status or have experienced a Bankruptcy may not be reported.

How can I contact the credit bureaus directly?

Equifax: www.equifax.com or 1-800-685-1111; TransUnion: www.TransUnion.com or 1-800-888-4213 or 1-800-916-8800; Experian: www.experian.com or 1-866-200-6020 or 1-888-397-3742.

I am currently a few days late on my payment. How will you report it to the credit bureaus?

Accounts that are 0-29 days past due will not report to the credit bureaus as past due. However, once an account becomes 30 or more days past due, it is at risk of reporting as past due. To determine how your account information reported, you may review the information on your credit report. If you believe that the reported information is inaccurate, please send the dispute notification to: Stellantis Financial Services, Inc., Attn: Compliance Department, U.S. Mail/Delivery: 3065 Akers Mill RD SE, Suite 700, Atlanta, GA 30339, E-Mail: compliance@stellantis-fs.com.

I applied for credit and was denied. How may I find out the reason for the credit decision?

You will receive an adverse action notification with instructions. You may also call toll-free 833-714-2925 for questions about the credit decision.

I believe that information you are furnishing to a credit bureau is inaccurate. How may I submit a dispute?

Mail: Stellantis Financial Services Attn: Compliance Department 3065 Akers Mill Rd SE, Suite 700 Atlanta, GA 30339; or E-Mail: compliance@stellantis-fs.com Facsimile: 866-390-2947 Please make sure to include the specific information being disputed and to provide any information you have to substantiate the dispute. We do not require a particular format, but the CFPB offers helpful advice concerning filing a dispute: https://files.consumerfinance.gov/f/documents/092016_cfpb_FurnisherSampleLetter.pdf *Consumer reporting companies and furnishers may not limit a person’s dispute rights: Consumer reporting companies and furnishers must reasonably investigate disputes received directly from individuals. For furnishers, they must reasonably investigate all indirect disputes received from consumer reporting companies. These requirements remain in place even if a person does not include or use the entity’s preferred format, intake forms, or documentation.

I filed a Bankruptcy petition but reaffirmed my account with Stellantis Financial Services. Will my account be reported to the credit bureaus?

Yes, if the account was removed from your credit file, reporting should be reinstated upon the expiration of the 60-day rescission period. If reporting hasn't reinstated, you may contact the Credit Dispute department at 833-714-2934 so that we can review the account to verify when reporting will resume.

I filed a Bankruptcy petition. Why has my account been deleted from my credit report?

It is our current process to delete accounts that are included in Bankruptcy case. It is possible, however, that reporting may be reinstated in the future depending on the circumstances (e.g. reaffirmations It is our current process to delete accounts that are included in Bankruptcy case. It is possible, however, that reporting may be reinstated in the future depending on the circumstances (e.g. reaffirmations or dismissals). or dismissals).

There is a dispute comment on my credit report and I would like to have it removed.

Requests to have the dispute code removed can be submitted to Stellantis Financial Services in writing. The request must indicate "I am no longer disputing this account. Please remove the dispute indicator from my credit report."

What if I have a dispute about information appearing on my credit report?

You should always review your credit reports. If you believe that we have reported inaccurate information concerning your account to any consumer reporting agency, then please send us a dispute notification indicating the specific information that you believe is inaccurate and containing all of the relevant information as to why you believe that information is inaccurate. Please send the dispute notification to: by mail or courier to Stellantis Financial Services, Inc., Attn: Compliance Department, 3065 Akers Mill RD SE, Suite 700, Atlanta, GA 30339, or by E-Mail: compliance@stellantis-fs.com. Please use caution when sending sensitive information by an unsecured email.

Why did my balance increase on my credit report?

We report the payoff amount as the current balance to the consumer reporting agencies. A payoff includes the principal balance, any outstanding fees (if applicable), and the interest accrued from the last payment received up through the date reported (note that interest charges do not accrue on a lease account). If no payments are made between reporting periods, the increased balance that reported reflects the interest that accrued, and fees assessed between reporting periods. The payoff amount will decrease when a payment posts to the account.

I have filed a Bankruptcy petition or will soon do so. How will this impact my account?

When you file a petietion for bankruptcy, federal law prohibits us from attempting to collect on an account that existed at the time of filing, absent permission from the Bankruptcy Court. We will place your account in bankruptcy status. All statements will cease as we are not permitted to send billing statements to customers involved in an active bankruptcy case. Automatic or recurring payments on the account will also cease. If you have filed a bankruptcy petition, please contact our Bankruptcy Department at 888-622-9208. Send all Bankruptcy documents to Stellantis Financial Services, Inc., Attn: Bankruptcy Department, 3065 Akers Mill Rd. SE, Suite 700, Atlanta, GA 30339. If you have retained an attorney to represent you, please notify us at compliance@stellantis-fs.com.

Are you able to inform me why my credit score decreased?

There are many factors that can impact your credit score. We are unable to determine how the information on your credit file impacts your credit score. For additional information regarding your credit score, you may contact the consumer reporting agencies directly.

Military(SCRA)

I am a servicemember and have been called to active duty. May I terminate the lease without penalty?

The SCRA permits servicemembers to terminate a motor vehicle lease early without penalty under certain circumstances as follows:

Eligibility to terminate your auto lease

In order to terminate an auto lease without penalty under the SCRA, you must have entered into the auto lease:

§ Prior to active duty, and then been called onto active duty for 180 days or longer; or

§ During active duty, and then received orders for:

o a Permanent Change of Station (PCS) from a location inside the continental United States (CONUS) to a location outside the continental United States (OCONUS), or a PCS from a location OCONUS to any new location; or

o deployment with a military unit or in support of a military operation for 180 days or longer.

If you entered into your auto lease during active-duty military service and then received PCS orders, here are some examples of which orders allow you to terminate your auto lease under the SCRA:

§ OCONUS to any other state or location

o For example, Alaska to Hawaii, or Alaska to Texas, or Hawaii to Germany

§ CONUS to OCONUS

o For example, Georgia to Alaska

Carefully read your lease terms and consider your situation before signing the contract. The SCRA does not allow you to terminate your contract if you receive PCS orders from one CONUS location to another, for example, Georgia to California.

When servicemembers lawfully terminate motor vehicle leases, the SCRA also requires you be refunded all lease amounts paid in advance. However, you may still be responsible for some end-of-lease amounts such as past due payments up to the date of termination, taxes, excess mileage and/or excess wear related to your vehicle(s). If you have any questions or concerns about your account or need information concerning early termination, please contact as follows: compliance@stellantis-fs.com or 1.800.439.0985.

Is my spouse eligible for SCRA interest rate benefits?

It depends. Spouses of service members with debt incurred solely in the name of the non-service member spouse are not covered by the SCRA. However, if the account is a joint account with the covered service member, then SCRA benefits may apply. We also have a policy that goes beyond what is required by the SCRA. So, if you reside in a community property state you should contact us to discuss.

What if I am deployed? Will someone be able to handle my loan?

Please notify us if you are deployed. While deployed, if you have questions or concerns about your account and are unable to contact us by telephone, you may always contact us via e-mail at ccare@stellantis-fs.com or compliance@stellantis-fs.com. Also, one of the most important things you can do before deployment with regard to your financial situation is to designate power of attorney to your spouse or other trusted family member or friend. This can help make it much easier to deal with unanticipated financial issues if they were to arise. For individual accounts in your name only, your spouse or other trusted family member or friend will need a properly executed power of attorney from you. For full details about establishing a power of attorney, be sure to contact your military legal service office or your private attorney. Also, you may be eligible for the SCRA interest rate reduction even if you were in active duty on the contract date based on our policy that goes beyond what is required by the SCRA. We honor requests when the service member is deployed outside the USA.

What is the Servicemember's Civil Relief Act (SCRA)?

The SCRA provides protections for eligible individuals who are entering military service or called to active duty. The SCRA applies to active-duty members of the Army, Navy, Air Force, Marine Corps, and Coast Guard; members of the reserves when on active duty; members of the National Guard mobilized under federal orders for at least 30 consecutive days; and active commissioned officers of the Public Health Service or the National Oceanic and Atmospheric Administration. The SCRA is intended to postpone or suspend certain civil obligations—many of them financial—so servicemembers can devote their full attention to their duties while their family members experience less stress. For example, the SCRA places a limit on the amount of interest that may be collected on financial obligations of any kind: 6 percent per year during the time of military service. Any amount over and above that 6 percent is permanently forgiven. If you are eligible, your SCRA benefits and protections begin the day you are called to active duty. SCRA benefits legally expire at the end of your active duty period. SCRA does not relieve you of your responsibility to make payments in a timely manner and it does not prevent a creditor from reporting past due payments to the credit bureaus. The creditor cannot, however, charge you a late fee for any late payments due in the SCRA eligibility period if the fee coupled with the interest charges would amount to greater than 6%. The SCRA applies to servicemembers who entered into their credit obligation before entering military service or called to active duty, but our policy goes beyond the coverage of the SCRA. Therefore, do not hesitate to notify us of your active duty status or deployment orders. If you have questions about our SCRA policy and coverage, please contact us at compliance@stellantis-fs.com. Please be advised that, if covered by our company policy for a rate reduction, but not covered by the SCRA, the account may not be entitled to all of the benefits of the SCRA, such as prohibition of self-help repossession.

I am a servicemember called to active duty in another country that is not Canada. Can I transport my leased vehicle there?

While you are not permitted to drive or transport your leased vehicle outside of the United States or Canada, you may have the option to terminate the motor vehicle lease without an early termination fee. We want to ensure that our customers know about, and receive, any and all benefits provided by the SCRA. When servicemembers lawfully terminate a motor vehicle lease, the SCRA also requires that the servicemember be refunded all lease amounts paid in advance. However, servicemembers may still be responsible for some end-of-lease amounts such as: past due payments up to the date of termination, taxes, excess mileage and/or excess wear and tear related to the leased vehicle(s). Please contact our Customer Service Department at 1-800-439-0985 if you wish to discuss this option.

Will the SCRA protect me from a repossession?

If your installment loan was obtained before you entered military service, the SCRA requires your lender to obtain a court order before it can repossess your personal property during any covered period of military service. The lender must determine whether you are a service member on active duty, and the court is required to protect your rights under SCRA. In order to ensure repossession does not occur and to ensure you get the interest rate benefits that you are entitled to, it's always a good idea to notify us of your call to active duty.

How do I request an SCRA rate reduction?

You may contact our Customer Service Department via telephone at 888-234-0971 or via e-mail at ccare@stellantis-fs.com. You may also contact our Compliance Department as follows: Stellantis Financial Services, Inc. Attn: Compliance Department, 3065 Akers Mill RD SE, Suite 700, Atlanta, GA 30339, or by E-Mail: compliance@stellantis-fs.com. We encourage you to notify us as soon as you are able, but you may submit your request for coverage anytime, up to 180 days after the date active duty terminates. Coverage will apply for the duration of the active duty period, and will be applied retroactively to the active duty start date. Depending on when we receive notification, you may receive a credit or refund of “excess” interest that has already been assessed after coverage began. We will let you decide whether to receive a credit or a refund. The SCRA applies to service members who entered into their credit obligation before entering military service or called to active duty. Stellantis Financial Services, Inc. appreciates the service of America's military personnel. That is why our policy goes beyond the coverage of the SCRA. For example: If you were in active-duty status on the contract date but are deployed outside the USA or exited and then later re-entered active-duty status, we will honor the rate reduction request. We also honor rate reduction requests for National Guard active-duty orders even if not covered by the SCRA or state law. For lease customers, you may be entitled to terminate the lease early without any penalties. Please contact our Lease Customer Care group at 800-439-0985 or via e-mail at ccare@stellantis-fs.com for further information. Do not hesitate to notify us of your active-duty status or deployment orders. If you have questions about our SCRA policy and coverage, please contact us at compliance@stellantis-fs.com.

Title and Insurance

I have moved to another state and need to register my car. How do I request my title to do so?

Please submit your request via email at StateChanges.2ndLiens@Stellantis-fs.com or send your request via fax at 1-855-885-8925.

I purchased a GAP/debt cancellation waiver. Will late payments impact my GAP coverage?

GAP and debt cancellation waivers may be impacted by late payments and payment extensions and a claim may not pay the entire remaining deficiency balance. Please refer to your GAP or debt cancellation agreement or addendum.

My car has been impounded. What should I do?

Contact us at 888-622-5751. Have the nature of the impound (e.g. traffic stop, accident, IRS, expired tags, etc.), the location of the car, and any fees or damages ready. The fax number for that department is 888-272-5717.

My car has been involved in an accident. What should I do?

Call the Insurance department at 833-714-2924. Please have your insurance company's name, their phone number, and the claim number available. The fax # is 888-272-5717.

Where should I send my current insurance information?

Documents should be uploaded to the website: https://www.myinsuranceinfo.com Contact number: 800-998-0762 Fax number: 844-302-2535

What are the insurance requirements for a lease vehicle?

Our vehicle lease agreement requires insurance which provides: (1) Liability insurance with limits of not less than $100,000 per person for bodily injury, $300,000 per accident for bodily injury and $50,000 per accident for property damage, or $750,000 combined single limit; (2) Collision insurance with a deductible no higher than $1,000; (3) Comprehensive fire and theft insurance with a deductible no higher than $1,000; and (4) Uninsured motorist coverage as required by law in the state where the vehicle is registered. If you are removing the vehicle to Canada, special care should be taken to make sure the vehicle is insured during the 30-day allowable period.

When will I receive the title to my automobile once the account is paid in full?

As it relates to loans or retail financing, receipt of your physical title depends on whether or not we are in possession of the physical title or if our lien has been recorded electronically. In either case, we will release our lien within a reasonable time following payment in full. The timing of the release of the title is determined by form of the final payment (e.g., bank check, dealership check, certified funds, or personal check). If we are in possession of the physical title, we will mail the title to you using the address you have on your account. If your address has changed, please let us know. Delivery of the physical title may also be influenced by delays in the U.S. Postal Service. If you have not received your released title by the 20th day following the processing of the final payment, please contact us at titles@stellantis-fs.com. In some states our lien is recorded electronically; states include: Arizona, California, Colorado, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas, Louisiana, Maryland, Massachusetts, Nebraska, Nevada, North Carolina, Pennsylvania, South Carolina, South Dakota, Texas, Virginia and Wisconsin. In those states, we will notify the state of our lien release and the state then will send the physical title to you. You should contact your state DMV for their completion time varies from state to state.

Complaints/Concerns and Disputes

I have a concern with my account. How may I submit a complaint or dispute?

Please contact our Compliance Department. You may email it to compliance@stellantis-fs.com, or by US Mail or courier to Stellantis Financial Services, Inc., Attn: Compliance Department, 3065 Akers Mill Road SE, Suite 700, Atlanta, GA 30339. Please use caution when sending sensitive information by an unsecured email.

What should I do if I have a concern that is not addressed on this page?

If you have additional concerns or questions about your account, you may contact us using any of the following:

For loans, you may contact our Loan Customer Service Department at 800-234-0971. Our hours of operation are Monday through Friday 8:00AM - 8:00PM (EST).

For leases, you may contact our Lease Customer Service Department at 800 - 439-0985. Our hours of operation are Monday through Thursday 8:00AM - 11:00PM (EST), Friday 8:00AM - 9:00PM (EST), and Saturday 9:00AM - 5:30PM (EST).

You may also e-mail your inquiries at ccare@stellantis-fs.com.

If you have concerns, you may also contact us via mail at: Stellantis Financial Services, Inc. Attn: Compliance Department, 3065 Akers Mill RD SE. Suite 700, Atlanta, GA 30339 or by E-Mail: compliance@stellantis-fs.com.

When I submit my written dispute to Stellantis Financial Services, how long will it take to receive a response.

A response will be sent within 30 days of receiving the dispute; however, responses are typically sent within 14 business days of receiving the dispute.

Lease

Can I make my lease payment online?

You may make your lease payment by logging into www.leasing.stellantis-fs.com, where you can sign in and make payments. To register as a new user, you will need your SFS account number, social security number, billing zip code, and email address. From there you can set up one-time payments or recurring payments with your bank account information. Or you may contact our Lease Customer Care Department by calling (800) 439-0985, Monday through Thursday 8:00AM - 11:00PM (EST), Friday 8:00AM - 9:00PM (EST), Saturday 9:00AM - 5:30PM(EST). Please allow 1 to 2 business days for your payment to apply to your account. Due to the delay in applying the payment, please schedule your payment early enough in order to not be assessed a late fee.

Am I responsible for amounts owed on my lease, such as tolls, tickets, and taxes?

You are responsible for any applicable tolls, tickets, property tax or fees assessed during your lease contract. The initial bill may come to Stellantis Financial Services, then, we will add the charges to your monthly billing statement.

Why did I receive a property tax bill for my leased vehicle?

Some states have annual property taxes that apply to leased vehicles. The property tax is collected by the tax collector's office in the county/city in which the vehicle is registered. The taxing collector dictates the tax amount owed and the timing of the invoice(s). In most cases, Stellantis Financial Services will receive a bill from the taxing authority and will pay the amount directly to the taxing authority; this amount will then be billed to your account.

Why did my monthly lease payment amount increase/decrease?

Taxes vary by state and are calculated based on the lease payment amount and the garage location of the vehicle. This tax can fluctuate due to city, county, or state tax rate changes. If the garage location of the vehicle has changed, the tax amount may also change. Please contact your local tax authority to verify your monthly tax rates.

May I take my lease vehicle out of the country?

The vehicle is not permitted to be driven or transported outside of the United States. However, we will allow the vehicle to be driven or transported to Canada for a maximum period of thirty (30) days, provided that it is fully insured in the event of physical damage or total loss and that coverage extends to Canada. If you have questions, please contact Customer Care at (800) 439-0985.

What information do I need to take my lease vehicle to Canada?

You do not need to notify Stellantis Financial Services. Please adhere to the requirements set forth including required insurance coverage(s), maximum timeframe (30 days) to keep the vehicle outside of the United States, as well as adherence to Canadian laws. For liability and property damage/collision coverage, please contact your insurance company for information or refer to any documents provided to you by your insurance company. For other types of ancillary coverages, such as Tire Repair, Paint Repair, etc. please refer to the contracts you signed regarding each product or contact the administrators of those plans. If extenuating or unforeseen circumstances arise, resulting in the need to extend beyond 30 days please contact our Customer Care department at 1-800-439-0985 to discuss next steps. If you get into an accident, or your leased vehicle has been stolen while in Canada - notify the appropriate authorities (such as the local police or emergency services) and contact your insurance company(s) to start the claims process. Contact Stellantis Financial Services at 1-800-439-0985 to notify us of the damages or loss of the vehicle so that we can assist you throughout the claims process and, if necessary, work with the GAP administrators. If the vehicle is impounded, please contact the impound agents as soon as possible to arrange for pickup. If you are unable to arrange for pickup for any reason, please contact Stellantis Financial Services at 1-800-439-0985.

End of Lease

Can I extend my lease?

In some cases, you may be able to extend your lease. However, extensions may not be available. Please call Customer Care at 800-439-0985 to see if your vehicle qualifies for a lease extension.

Where do I return my leased vehicle?

You will need to return your leased vehicle to your originating dealership (the dealership where you first leased your vehicle from). If you have moved, or if you are unable to return the vehicle to your originating dealership for any other reason, please call Customer Care at 800-439-0985 to assist in locating another dealer near you.

Do I need to set up an appointment to return my vehicle?

Yes. Call your originating dealership (the dealership where you first leased your vehicle from) to set up an appointment to return your leased vehicle on or before your maturity date.

Do I need to have an inspection completed before I return my lease?

Yes. A lease end inspection should be scheduled before you return your vehicle.

How do I schedule my lease end vehicle inspection?

To schedule your lease end vehicle inspection, call 800-439-0985 to speak to a Stellantis Financial Services Lease End Consultant.

Where can I have my lease end vehicle inspection completed?

The lease end vehicle inspection is free of charge and can be completed either at the originating dealership (the dealership where you first leased your vehicle from) or a place of your choosing - such as your home or place of work.

How soon will I receive the lease end vehicle inspection results?

The lease end vehicle inspection report will be available 24-48 hours after the inspection has been completed.

Can I return my leased vehicle early?

You may choose to return your vehicle early. However, please note that an early return will be subject to possible early termination liability (including remaining payments and other lease end charges). For more specific information regarding early termination, see the early termination section of your lease agreement.

Can I repair any excess wear and use on my own?

Yes, you can choose to have any chargeable excess wear and use on your vehicle repaired before returning the vehicle. You will need to provide repair receipts as proof of any repairs completed for the corresponding excess wear and use charges to be waived.

Where can I find my mileage allowance?

You can find your mileage allowance on your lease agreement in the Excess Wear and Use section.

What happens if I go over my mileage allowance?

If you go over your mileage allowance, you will be charged per mile at the rate listed on your lease agreement.

Can I purchase more miles if I expect to go over the allowance?

You are not able to purchase additional mileage after the initial lease signing. However, our Lease End Consultants may be able to assist with other options. Call 800-439-0985 to learn more.

What charges can I expect to see on my end-of-term invoice?

After you return your vehicle, you will receive an end-of-term invoice if any charges are due. These charges may include: Turn-In fee, Excess Wear and Use fees, Excess Mileage fees, Remaining and unpaid monthly payments, and any other amounts due (taxes, late fees, etc...)

When can I expect to receive my end-of-term invoice?

Any end of term charges will be billed 4-8 weeks after you return your vehicle. Note: Stellantis Financial Services adheres to state requirements regarding invoice timing.

How can I pay any end-of-term charges?

Online - Go to Accounts > End of Lease > Make Payment; By Phone - Call 800-439-0985; By Mail - Stellantis Financial Services, 75 Remittance Drive, Suite 1738, Chicago, IL 60675 (make the check payable to Stellantis Financial Services.)

What is the process to purchase my lease?

To purchase your leased vehicle, you will first need to obtain a lease payoff quote by either calling Customer Care at 800-439-0985 or by logging in to your Stellantis Financial Services online account. All payoff quotes are valid for 10 days. You may choose to send a check directly to Stellantis Financial Services to purchase your vehicle. Additionally, your originating dealership may be able to assist with the purchase and any financing needs (subject to approval). Customers who have financed their lease with Stellantis Financial Services should be able to purchase their vehicle at the predetermined purchase option price contained in their lease, plus any incidental charges necessary to complete the transaction as identified in the agreement. We expect Stellantis dealers to honor the lease agreement. If you believe that the dealership is attempting to assess additional fees, please contact us at 800-439-0985 or compliance@stellantis-fs.com. Note: You will need to send in an odometer disclosure statement with your check to receive your title.

Overnight payoffs should be mailed to:

Stellantis Financial Services

6400 Main Street Suite 200

Amherst, NY 14221-5803

Regular mail payoffs should be mailed to:

Stellantis Financial Services

PO Box 1730

Williamsville, NY 14231

Additionally, your originating dealership may be able to assist with the purchase and any financing needs (subject to approval).

Can I refinance my leased vehicle through Stellantis Financial Services?

You may be eligible to refinance your lease. Please see your originating Chrysler, Dodge, Fiat, Jeep®, and RAM dealership to review your options.

What is a turn-in fee?

The turn-in fee is outlined in the lease agreement and charged after the return of the vehicle (if the vehicle is not purchased).

Can the turn-in fee be waived?

Your turn-in fee may be waived if you buy or lease another Stellantis vehicle; see the lease agreement for details. If you exercise the purchase option in the lease agreement, the lease turn-in fee will not be charged.

Will I be charged a penalty for terminating my lease early under the SCRA?

No, the SCRA also allows eligible service members to cancel or terminate your lease without paying certain early termination charges or penalties. However, you may still be responsible for some end-of-lease amounts such as past due payments up to the date of termination, taxes, excess mileage and/or excess wear related to your vehicle(s). The Consumer Financial Protection Bureau has the following useful FAQ: https://www.consumerfinance.gov/ask-cfpb/i-am-in-the-military-and-have-an-auto-lease-if-i-am-ordered-to-move-overseas-or-deploy-can-i-cancel-or-terminate-my-auto-lease-without-paying-early-termination-charges-or-a-penalty-en-889/

What are my options at the end of the lease?

At the end of the lease, you can choose to either: return your vehicle and replace it with a new vehicle, purchase your current vehicle, or return your vehicle. Please note that regardless of if the purchase option is marked or not in your agreement, you have the ability to exercise this option. Please contact us or the originating dealership for further clarification.

Accessibility

I am deaf or hard of hearing. How can I get information about my Stellantis Financial Services account?

Dial 711 to use the Telecommunication Relay Service. We accept all operator relay calls. If you need service for a loan, give the operator the following number 1-800-234-0971. If you need service for a lease, give the operator this number 1-800-439-0985.

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