ComplaintsforBMW Financial Services NA, LLC

• Initial Complaint

  10/17/2021

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I was denied for a lease assumption due to not having a long enough credit history in the USA. I am entitled to a refund of $432 (spent $532 for a credit check to take over the lease of a friends BMW). I have called over 7 times to BMW Financial Services, it is over 4 months and I have not received my refund and am being denied to speak with anybody in upper management. Contact was made by BMW to the friend (who initiated the lease) regarding a cheque being mailed out to me, with a delivery date of October 1st. I have not recieved it, yet my friend who was wrongfully charged a lease payment in October, already recieved his refund within 1 week of contacting BMW.

  Business response

  11/04/2021

  Dea* **** ***********
  
  Thank you for giving us the opportunity to address your concerns regarding your assumption application refund through the Better Business Bureau complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.
  
  We understand you are requesting a refund for the lease assumption application fee you paid on July 20, 2021. There have been several delays in mailing this check to you, and we sincerely apologize for the stress this process may have caused you. We can confirm a replacement check for $432.00 was sent on ******* *** **** *** ******* ******* ******* ******* ********* ******** ****** ************* ******** ******** *** ******** *** ****** *** ****** ***** ** ******* *** *****

  
  We are committed to providing you with the highest level of service. If you have any questions, please contact us at (**** ********, Monday through Thursday from 9:00 a.m. to 9:00 p.m. ET, and on Fridays from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address listed on this letter.
  
  Best regards,
  
  
  BMW Financial Services NA, LLC
  
  ** ******* **** ****** ******** ******

• Initial Complaint

  10/01/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had a car loan with BM|W Financial Services. I was ih an auto accident and my insurance company sent BMW Financial Services a payment to paym y loan off in full on 09/08/2021. They sent me a comditional release letter. My BMW Fianancial services accoutns shows a status of Account Terminated. It does not reflect the payument they received and deposited. My account should legeally show account PIF, the payment date and the amount received. But it does not. And it has not yet been reported to the credit bureaus as such either. My account needs tp reflect these changes yet the refuse to make them when they are legally bound to do so whan in fact it is PIF. And when asked why its not reported to the credit bureaus as of yet. They stated it was the responsibility of the credit bureaus to update my files. Well they cant update my files when nothing has been received from them. If they dont soon report this I will find the correct agency other than here to lodge a formal legal complain

  Business response

  10/21/2021

  Dear ****** ******:
  
  Thank you for giving us the opportunity to address your issues regarding credit reporting through the Better Business Bureau complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.
  
  An internal review of our records confirms the full payoff for the above referenced account was received from State Farm on September 9, 2021. Our records indicate we processed the account closure on September 13, 2021. Your account was scheduled to be reported as ‘Paid in Full’ as part of our monthly file reporting. The account was reported to the consumer reporting agencies on October 5, 2021 reflecting a closed with zero balance, having been paid through Insurance with a closed date of September 09, 2021, with the last payment received of 19,686.50. Using our internal verification procedures show Equifax, Experian and TransUnion all reflect this account as paid by insurance and closed with a zero balance.
  
  Given our investigation’s findings, your correspondence does not provide sufficient justification to change the way we are reporting your payment history to the consumer reporting agencies under the guidelines and regulations we are required to follow as a Data Furnisher. As a result of your dispute, we will provide an update to the consumer reporting agencies to reflect the results of our investigation.
  
  If you have any further questions regarding the credit reporting of your account, please contact us at the mailing address listed on this letter.
  
  Yours sincerely,
  
  BMW Financial Services NA, LLC
  

• Initial Complaint

  09/30/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have a leased 2020 BMW X3 **** * ****************** and my (lease) account number is **********. BMW announced a change that starting 10/01/2021 they would NOT allow customers to sell their leased vehicles to 3rd party dealerships. I contacted them (twice) today (09/30/2021) regarding a (3rd party) payoff quote for my vehicle, well within the "effective date" of 10/01/2021. BMW refused to provide this information & the customer agents clearly told me that they've been informed to discourage customers (from NOT selling to 3rd party) by refusing to divulge this (3rd party) payoff quote. This is a case of clear fraud & BMW Financial Services (USA) is pulling dirty tricks to cause distress to their customers. I would like BBB to intervene & help me in regards to this issue.

  Business response

  10/14/2021

  Dear ********* ***************
  Thank you for giving us the opportunity to address your issues regarding your vehicle payoff through the Better Business Bureau complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.
  
  Your complaint states you were advised we would not provide you with a payoff quote for a third-party dealership. We confirm effective October 1, 2021 we will no longer accept payoff checks from third party dealerships.
  
  We apologize for any misinformation provided to you during your call with our representative on September 30, 2021. We confirm the attached payoff quote you attained on our website on September 30, 2021 will be honored should you decide to pay off your vehicle on or before October 28, 2021.
  
  We are committed to providing you with the highest level of service. If you have any questions, please contact us at ***** ********, ****** ******* ******** **** **** **** ** **** ***. ET, and o* ******* **** **** **** ** **** **** **, or by mail at either address listed on this letter.
  
  Best regards,
  
  *** ********* ******** *** *** ********** ****** ***** ** ******* **** ****** ******** ******
  

  Customer response

  10/14/2021

  *** *** ** *** *** *** *** *** ********* *** ********* ********* *** **** ***** **** ***********  ********** ********
  
  I am rejecting this response because: 

  As BMW alluded to in their response, the 3rd party payoff quote was NOT provided to me on 09/30/2021 even though their new rules took effect on 10/01/2021. 

  I was effectively lied to while I was in another dealership on 09/30/2021 & BMW would NOT provide the necessary info so that I could trade my leased BMW & complete a transaction on a different car.

  
  

  What they instead sent me now is a "customer payoff quote" instead of a "3rd party payoff quote"... This is clearly an attempt by BMW to mislead this case (& BBB).

  BMW is simply lying, their new rule took effect on 10/01/2021. I called on 09/30/2021 & they did NOT provide me with the requested information.

  
  

  
  ******** ********* **************

  Business response

  11/01/2021

  **** ********* ***************
  

  Thank you for giving us the opportunity to address your issues regarding the third-party dealership payoff quote through the Better Business Bureau complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.
  
  We understand you are requesting the third-party dealership payoff quote you requested on September 30, 2021 be honored. At this time that quote is no longer valid. However, in appreciation of your business, we will make an exception to accept a third-party dealership payoff for your account through November 12, 2021. We have enclosed the third-party dealership payoff quote with this letter.
  
  We are committed to providing you with the highest level of service. If you have any questions, please contact us at ***** ********* Monday through Thursday from **** **** ** **** **** *** and on Fridays from **** **** ** **** ***. ET, or by mail at either address listed on this letter.
  
  **** ******** *** ********* ******** *** *** ********** ****** ***** ** ******* **** ****** ******** ****** 

• Initial Complaint

  09/29/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I returned my car back to BMW for a lease expiration. I was told that I did not owe anything on the car. I turned it in with almost 8000 miles UNDER the lease requirement. You can imagine how upset I became to get a bill for $374.20 for a disposition fee that I was not made aware of at any time upon leasing and then returning the car. This is such a disappointment and such a let down. It is an added HUGE expense for turning a car in in perfect condition with low mileage under the least requirements. My initial thought was to get settled into my new home and purchase another BMW since I loved the car. My father is currently looking for a BMW as well. I think this helped us both make our decision regarding a new car, NOT BMW.

  Customer response

  10/05/2021

  I returned my BMW in after the lease terminated. I did not purchase another BMW at this time. I am charged a disposition fee of $374 which I was never made aware of. I turn the car in with 8000 miles under the limit and should get some compensation for that. The car was in perfect condition. My father and myself were considering purchasing bmws and we really like the vehicle. That will not be happening now.

  Business response

  10/15/2021

  Dear **** *****:
  
  Thank you for giving us the opportunity to address your issues regarding the lease end charges assessed to the above reference account through the Better Business Bureau complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.
  
  Your correspondence disputes the $374.20 charge for the Disposition Fee, because you believe you were never advised of the charge and you returned the vehicle well under the allowable mileage. Please understand, the Disposition Fee is a contractual fee outlined in Sections 7 and 30 of your Motor Vehicle Lease Agreement; and is intended to defray costs associated with preparing the vehicle to be sold, or otherwise disposing of the vehicle. As a loyalty reward, the Disposition Fee is waived if you finance or lease your next new or certified pre-owned BMW financed through BMW Financial Services either two months prior or within six months after the end of your lease term. While you do not qualify under these terms, we have elected to waive the Disposition Fee as a courtesy in recognition of your loyalty.
  
  We are committed to providing you with the highest level of service. If you have any questions, please contact us at (800) 578-5000, Monday through Thursday from 9:00 a.m. to 9:00 p.m. ET, and on Fridays from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address listed on this letter.
  
  Best regards,
  
  BMW Financial Services NA, LLC
  
  c: Central Ohio Better Business Bureau 

• Initial Complaint

  09/29/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I leased a BMW 330I GT 2017 version. The lease was up on 4/28/2021 BMW send a independent lease return inspector to my home and they created a report. The report had several complaints and I moved to repair them before the return assuming BMW was going to do a post lease return inspection. They didn't . They keep sending me a bill for $2986.17 even though I addressed most of the problems in the inspection report. The inspection report had complaints that the tires were not runflat so I replaced with runflat. The tow hole covers were missing(common prolbem because they come off in the car wash) I replaced them. I had scratches and dent repaired. Etc. Now they have a credit agency after me and I told them just bring me to court so we can iron it out. They just keep harassing me.

  Business response

  10/08/2021

  Dear ****** ********:
  
  Thank you for giving us the opportunity to address your issues regarding your lease end charges through the Better Business Bureau complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.
  
  We understand you are disputing the tire and exterior charges that have been assessed to your account, as you had these items corrected. Unfortunately, the document you provided is not a valid repair receipt as it does not include proof of payment for the repairs. In order to remove the charges, please provide us a repair receipt with the following information: proof of payment, date of repair, Vehicle Identification Number, description of repairs, what type of tire was put on the vehicle (grade, quality, run flat), and where on the vehicle the tire was mounted. You may send the itemized repair receipt via email at ******************** ** *** *** ** ***** *********
  
  We are committed to providing you with the highest level of service. If you have any questions, please contact us at ***** ********, Monday through Thursday from 9:00 a.m. to 9:00 p.m. ET, and on Fridays from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address listed on this letter.
  
  **** ******** *** ********* ******** *** *** ** ******* **** ****** ******** ****** 

• Initial Complaint

  09/24/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  According to the ***** **** ***** the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how this account was validated

  Business response

  10/04/2021

  Dear Ms. ******
  Thank you for giving us the opportunity to address your issues regarding credit reporting through the Better Business Bureau complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.
  
  In an effort to resolve your request, we researched your account and verified your account was reported as 30-59 days past due on two occasions. The payment due on October 23, 2015 was satisfied on November 23, 2015, which was 31 days after the payment due date and resulted in a 30-59 day delinquency reporting for November 2015. Additionally, the payment due on November 23, 2015 was satisfied on December 23, 2015, which was 30 days after the payment due date and resulted in a 30-59 day delinquency reporting for December 2015.
  
  The dispute you submitted to us does not contain specific details or documentation demonstrating an error with the information we furnished to the consumer reporting agencies regarding your account. Therefore, we conducted a thorough investigation of your dispute based upon our account records. Our investigation confirmed the information we furnished to the consumer reporting agencies in association with your account is accurate. As a result of your dispute, we will provide an update to the consumer reporting agencies indicating the receipt of your dispute and results of our investigation.
  
  BMW Financial Services reports information to the consumer reporting agencies in accordance with Consumer Data Industry Association guidelines, and in compliance with the Fair Credit Reporting Act (FCRA). Under those guidelines, an account is reported current during a given month if a payment is received within 0-29 days of the payment due date. If you have evidence to support your dispute, such as a bank statement indicating your payment was made in a timely manner, you may submit the documentation to us at the mailing address listed on this letter, attention Credit Disputes, and we will be happy to reinvestigate your dispute.
  
  Pursuant to the FCRA, direct disputes may be deemed frivolous if the dispute does not contain sufficient information to conduct an investigation, or if the dispute is substantially the same as a dispute previously submitted by, or on behalf of, a consumer. If a dispute is deemed frivolous, we are not required to complete another investigation. Future correspondence received with insufficient information, or without new information to support your dispute, may be deemed frivolous. 
  
  If you have any further questions regarding the credit reporting of your account, please contact us at the mailing address listed on this letter.
  
  ***** ********** *** ********* ******** *** *** ***********         ******* *********** *********                                 ***** *********

• Initial Complaint

  09/14/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  We made 100% of our auto lease payments on time, but were fraudulently reported as being "30 days late" on 4 times. In each of those alleged times, we contacted BMWFS and spoke to a representative prior to making the payment to confirm that it would be processed as timely. After our lease was over, we were shocked to learn in a review of our credit report these payments were not processed on time, causing significant harm and damage to our credit. Again, BMW assured us these errors and inaccurate data reporting would be corrected as long as we sent information to their credit dispute department. No response despite multiple attempts to resolve this directly and through Experian. At this point, we deem the refusal to correct as willful negligence, fraud and consumer harm. This SIMPLE issue should have been resolved immediately and corrected. Based upon the hundreds of complaints on BBB, it appears this is a widespread problem.

  Business response

  09/21/2021

  Dear Mr. ******
  
  Thank you for giving us the opportunity to address your issues regarding credit reporting through the Better Business Bureau complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.
  
  In an effort to resolve your request, we researched your account and verified your account was reported as 30-59 days past due on four occasions. The payment due August 27, 2017 was received 30 days past due on September 26, 2017. The payment due October 27, 2017 was received 30 days past due on November 26, 2017. The payment due March 27, 2018 was received 30 days past due on April 26, 2018. The payment due May 27, 2018 was received 30 days past due on June 26, 2018.
  
  In your dispute, you claim to have sent to us a letter in December 2019 that we did not respond too. However, our records do not substantiate this claim. In review of your account, we have no record of receiving a letter from you in December 2019. However, we previously investigated and responded to a written dispute from you in September 2018. A copy this response is enclosed for your reference.
  
  In regards to your four disputed payments, you indicate you made the payments before 11:59 PM Pacific Time. However our records indicate the payments were made on the following dates and times:
  
  - Payment made on September 26, 2017 at 2:40 AM Eastern Time through your online profile
  
  - Payment made on November 26, 2017 at 7:05 PM Eastern Time through your online profile
  
  - Payment made on April 26, 2018 at 4:00 AM Eastern Time through automated telephone system
  
  - Payment made on June 26, 2018 at 6:21 PM Eastern Time with a Representative
  
  
  Please note, the payment made on September 26, 2017 was processed before 11:59 PM Pacific Time, however in each of your monthly Account Statements there are details that explain payments are processed in Eastern Time. This information is detailed in the "Payment Information" section. For your review, we have enclosed a copy of your Account Statement dated June 6, 2018, which also provides you the past due balance from May 2018.
  
  We certainly understand how important credit reporting is to our customers. However, as a Data Furnisher, BMW Financial Services does not instruct the consumer reporting agencies to remove derogatory information unless we find our reporting of an account to be inaccurate. In this instance, the data furnished to the consumer reporting agencies is accurate.
  
  Your correspondence does not provide sufficient justification to change the way we are reporting your payment history to the consumer reporting agencies under the guidelines and regulations we are required to follow as a Data Furnisher. As a result of your dispute, we will provide an update to the consumer reporting agencies to reflect the results of our investigation.
  
  If you have any further questions regarding the credit reporting of your account, please contact us at the mailing address listed on this letter.
  
  ***** ********** *** ********* ******** *** *** *********** ******* ********* ***** **** ** **** ******** ******** ***** ********* *** **** 

  Customer response

  09/26/2021

  *** *** ** *** *** *** *** *** ********* *** ********* ********* *** **** ***** **** ***********  ********** ********
  
  I am rejecting this response because: 
   

  BMWFS failed to provide any proof for their statements, which are false.

  
  

  In each case, payments were made based upon verification with BMWFS representatives confirming the payments would are timely. There would be no rational reason to make a payment that is going to be reported 30-59 days late only a few hours into the 30th day. We are 100% sure each payment was made timely based upon the instructions by BMWFS.

  
  

  Even with BMWFS’s false statements, they admit one of the payments was timely and another with an agent.

  
  

  BMW also failed to provide a name for the person who signed this letter since it is clear they are engaged in fraud.

  
  

  Shame on the BMWFS leadership and person who wrote the fraudulent response.

  
  

  ******** **** *****

  Business response

  10/08/2021

  **** *** ******
  
  Thank you for giving us the opportunity to address your issues regarding credit reporting through the Better Business Bureau complaint process. Our records indicate we previously investigated and responded to a similar request from you. A copy of our earlier response is enclosed for your reference.
  
  In an effort to resolve your request, we researched your account and verified your account was reported as 30-59 days past due on four occasions. The payment due August 27, 2017 was received 30 days past due on September 26, 2017. The payment due October 27, 2017 as received 30 days past due on November 26, 2017. The payment due March 27, 2018 was received 30 days past due on April 26, 2018. The payment due May 27, 2018 was received 30 days past due on June 26, 2018.
  
  In review of your account, we confirmed you have submitted 8 indirect disputes through the consumer reporting agencies, one complaint through the Consumer Financial Protection Bureau (CFBP), two disputes through the Better Business Bureau (BBB), and one dispute directly to our office disputing the reporting of your account in an attempt to have the accurate delinquencies reporting on your account removed. We confirmed, we have responded to all of your disputes within the required timeframe and provided information as to why your delinquencies reported are correct and valid.
  
  In review of your recent BBB complaint, you do not provide any information as to why the information we have reported is inaccurate. In order for us to further investigate your dispute, your dispute must specify what information you believe is being reported inaccurately, and must contain evidence to support your dispute. If you have evidence to support your dispute, please submit this information to us at the mailing address listed on this letter, attention Credit Disputes, and we will be happy to reinvestigate this matter.
  
  Pursuant to the Fair Credit Reporting Act, direct disputes may be deemed frivolous, and do not require an investigation if the dispute does not contain sufficient information to conduct an investigation, or if the dispute is substantially the same as a dispute previously submitted by, or on behalf of, a consumer. Your recent correspondence did not include specific details or substantive documentation demonstrating an error in our reporting, and is substantially the same as your previously submitted dispute. Therefore, your correspondence was deemed frivolous.
  
  Your correspondence does not provide sufficient justification to change the way we are reporting your payment history to the consumer reporting agencies under the guidelines and regulations we are required to follow as a Data Furnisher. As a result of your dispute, we will provide an update to the consumer reporting agencies to reflect the results of our investigation.
  
  If you have any further questions regarding the credit reporting of your account, please contact us at the mailing address listed on this letter.
  
  
  ***** ********** *** ********* ******** *** *** ********** ******** ******** ***** ********* *** **** 

• Initial Complaint

  09/13/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  BMW Financial is reporting a late on my credit file for 7/21 that needs to be removed. I originally had this car on the lease and had the account on auto pay and I never missed payment. Well my lease was over so I bought out the car but I was never told that it was a new account that my auto pay would no longer apply. I was under the impression that the account would continue to auto draft since I wasn't told it wasn't. I ask they please remove the late notation from my file.

  Business response

  09/17/2021

  Dear ***** ****:
  
  Thank you for giving us the opportunity to address your issues regarding credit reporting through the Better Business Bureau complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.
  
  In an effort to resolve your request, we researched your account and verified your account was reported as 30-59 days past due on one occasion. The payment due on June 8, 2021 was satisfied on July 20, 2021, which was 42 days after the payment due date and resulted in a 30-59 day delinquency reporting for July 2021.
  
  We regret to learn of any difficulty you had in using our automated recurring payment system (*******). In your complaint letter, you claim to have thought ******* would continue on as established in your previous lease account. As you acknowledge later in your letter, this is not the case. Financing a lease into a purchase creates a new account for which new payment arrangements must be established. Our records indicate you spoke to our Representative by phone on May 7, 2021, a month prior to the due date you are disputing, at which time you posted a one-time payment for the due dates of April 8, 2021 and May 8, 2021. It would have been evident at that point that ******* was not active on this account since the April payment had not been withdrawn.
  
  When we did not receive your payment for June 8, 2021, we sent an Account Alert by email on June 14, 2021 to notify you of the past due status of your account. On June 21, 2021 your Monthly Account Statement was generated and sent to you, including a notice of the past due balance. These efforts to contact you, including your Monthly Account Statements, were done as a courtesy, and contacting you directly is not required of BMW Financial Services prior to reporting your account to the consumer reporting agencies. The monitoring, management and remission of timely payments in accordance with your financing agreement remains your sole responsibility.
  
  Given our investigation’s findings, your correspondence does not provide sufficient justification to change the way we are reporting your payment history to the consumer reporting agencies under the guidelines and regulations we are required to follow as a Data Furnisher. As a result of your dispute, we will provide an update to the consumer reporting agencies to reflect the results of our investigation.
  
  If you have any further questions regarding the credit reporting of your account, please contact us at the mailing address listed on this letter.
  
  Y**** ********** *** ********* ******** *** *** 

• Initial Complaint

  09/07/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I set up auto pay with a new Chase account after **** of America ceased to be my bank. I got a late notice on my account despite having inputted the new account and I had money drawn from that new Chase account. I talked to someone at *** financial and they said they refused to provide a courtesy reversal. This is my 3rd *** with no late issues on this or any other card Ive ever had. A member of their team said it was a known issue, I had no recourse other than to file a dispute and unless I had a documented health issue they would not reverse the late on my credit. They said this issue has occurred before and theyre nothing they could do. They said they cant do anything at all and expect nothing to be fixed. This is deplorable and needs to be remedied.

  Customer response

  09/07/2021

  here's my statement, thank you.

  Business response

  09/13/2021

  Dear ******************:
  
  Thank you for giving us the opportunity to address your issues regarding credit reporting through the Better Business Bureau complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.
  
  In an effort to resolve your request, we researched your account and verified your account was reported as ***** days past due on one occasion. The payment due on May 21, 2021 was satisfied on **** 26, 2021, which was 36 days after the payment due date and resulted in a ***** day delinquency reporting for **** 2021.
  
  Your letter states your EasyPay banking information was not updated, which caused the ***** day delinquency. Our records show you first signed up for EasyPay on May 27, 2021, with a selected start date of July 21, 2021. As part of the EasyPay sign-up process, you selected and acknowledged the first EasyPay withdrawal would be on July 21, 2021 and that you would need to manually submit payments until that time. Additionally, the EasyPay confirmation email confirmed a July 21, 2021 EasyPay start date. The ***** day delinquency is associated with the payment due on May 21, 2021, which predates both the EasyPay sign-up and the EasyPay start date you selected.
  
  On May 27, 2021, you manually submitted a one-time payment using your **** of America account. We processed the payment as requested using the banking information you provided to us. On **** 3, 2021, the payment was returned to us unpaid by the bank due to a closed account.
  
  Pursuant to the terms of your Motor Vehicle Retail Installment Contract (Contract), you agree to maintain timely payments on the 21st of each month. Outbound contacts related to past due balances are a courtesy and are not a requirement prior to reporting the payment history to the consumer reporting agencies. Nonetheless, when the payment submitted on May 27, 2021 was returned unpaid, we sent a courtesy email and a notification via the websites ************** to advise you of the returned payment. Additionally, the returned payment and past due balance were accurately reflected on your account statement dated **** 4, 2021. We have enclosed a copy of the **** 4, 2021 account statement for your review.
  
  We certainly understand how important credit reporting is to our customers. However, we are unable to make goodwill or courtesy adjustments to the information we have furnished to the consumer reporting agencies. In our role as a Data Furnisher, BMW Financial Services does not instruct the consumer reporting agencies to remove derogatory information unless we find our reporting of an account to be inaccurate. In this instance, the data furnished to the consumer reporting agencies is accurate.
  
  Although we empathize with your situation, your correspondence does not provide sufficient justification to change the way we are reporting your payment history to the consumer reporting agencies under the guidelines and regulations we are required to follow as a Data Furnisher. As a result of your dispute, we will provide an update to the consumer reporting agencies to reflect the results of our investigation.
  
  If you have any further questions regarding the credit reporting of your account, please contact us at the mailing address listed on this letter.
  
  Yours sincerely,
  
  
  BMW Financial Services NA, LLC
  
  enclosure:Account Statement dated **** 4, 2021 

• Initial Complaint

  09/06/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am outraged, hurt, distraught, and overwhelmed that my credit report has many inaccurate accounts on my report. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Due to non-response from the previous 30 to 45 days you are now in noncompliance and according to the FCRA all items you disputed must be deleted and or updated. The following information therefore needs to be re-investigated. LAWS THAT WERE BROKEN BY BMW FINANC!!!! First Law ****** ** *** **** * **** *** * ********** ** ******* ***** ********** ***** *** *** ******* ** **** ******** * ******** ****** consists of any of the following: (1)A reflection on a statement

  Business response

  09/23/2021

  **** ******** ********
  
  Thank you for giving us the opportunity to address your issues regarding credit reporting through the Better Business Bureau complaint process. Our records indicate we previously investigated and responded to a similar request from you. A copy of our earlier response is enclosed for your review.
  
  Your recent correspondence does not present any additional details or evidence regarding which delinquencies you claim are inaccurate and why, nor does it present any evidence for the alleged violation of the cited laws. Pursuant to the Fair Credit Reporting Act (FCRA), direct disputes may be deemed frivolous and do not require an investigation if the dispute does not contain sufficient information to conduct an investigation, or if the dispute is substantially the same as a dispute previously submitted by, or on behalf of, a consumer. Your recent correspondence did not include specific details or substantive documentation demonstrating an error in our reporting. Therefore, your correspondence was deemed frivolous.
  
  In order for us to further investigate your dispute, your dispute must specify what information you believe is being reported inaccurately and must contain evidence to support your dispute. If you have evidence to support your dispute, please submit this information to us at the mailing address listed on this letter, attention Credit Dispute, and we will be happy to reinvestigate this matter.
  
  If you have any further questions regarding the credit reporting of your account, please contact us at the mailing address listed on this letter.
  
  Yours sincerely,
  
  BMW Financial Services NA, LLC
  

  Customer response

  09/23/2021

  I am rejecting this response because: 
  

  accounts on my report.

  I am distressed that you have included the information below in my credit profile and that you have

  failed to maintain reasonable procedures in your operations to assure maximum possible accuracy

  in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100%

  accurate credit information. Every step must be taken to assure the information reported is

  completely accurate and correct.

  Due to non-response from the previous 30 to 45 days you are now in noncompliance and according

  to the FCRA and FDCPA all items you disputed must be deleted. The following information therefore

  needs to be deleted.

  LAWS THAT WERE BROKEN BY BMW FINANCIAL!!!!

  1. ********* ** ** **** **** * ***** * ************ ***** ** ************ ** ****************** ** ******** ** ********* **** *** **** ********* ******* **** *** ******** *** *** ************* ** ******** ** * ******** ********* ** ****** ******** ** ********** ** *** ****** ** * ****** **** ** ******* ******* ******** ** ********* ** ** *** ***** ***** ** *** **** The term credit card means any car

  plate coupon book or other credit device existing for the purpose of a tiny money property labor or

  service on credit

  2. The United States congress says that this is an Exclusion from my credit report

  15 USC 1681(a) under the exclusion section b, ANYTHING that was extended or authorized with the

  Social Security number should be excluded from a consumer report.

  Please do not lie and say that is talking about an American Express or Bank of America credit card

  because according to 15 USC 1602, “The term credit card means any car plate coupon book or

  other credit device existing for the purpose of a tiny money property labor or service on credit”

  3. I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code §

  1681b(2) and you didn’t have permissible purpose to furnish this information on my consumer report;

  and violation of FCRA 15 U.S. Code § 1681i Procedure in case of disputed accuracy; if this is not

  completed within 4 days, I will file a CFPB, FTC, BBB, and Attorney General compliant.

  4. 15 U.S. Code § 1692d - Harassment or abuse

  A debt collector may not engage in any conduct the natural consequence of which is to harass,

  oppress, or abuse any person in connection with the collection of a debt. Without limiting the general

  application of the foregoing, the following conduct is a violation of this section:

  (1) The use or threat of use of violence or other criminal means to harm the physical person,

  reputation, or property of any person.

  (2) The use of obscene or profane language or language the natural consequence of which is to

  abuse the hearer or reader.

  5. This is NOT a request for “verification” or proof of my mailing address, but a request for

  VALIDATION made pursuant to 15 USC 1692g Sec. 809 (b) of the FDCPA. I respectfully request

  that your offices provide me with competent evidence that I have any legal obligation to pay you.

  6. 15 U.S.Code 1681e(b) states that a consumer reporting agency shall follow reasonable

  procedures to assure maximum possible accuracy of the information concerning the individual about

  whom the report relates.

  7.15 U.S. Code § 1681n - Civil liability for willful noncompliance

  a) In general

  Any person who willfully fails to comply with any requirement imposed under this subchapter with

  respect to any consumer is liable to that consumer in an amount equal to the sum of—

  (1)

  (A) any actual damages sustained by the consumer as a result of the failure or damages of not less

  than $100 and not more than $1,000; or

  (3) in the case of any successful action to enforce any liability under this section, the costs of the

  action together with reasonable attorney’s fees as determined by the court.

  8. 15 U.S.C 1681 b(a)(2) Permissible purpose meaning you can only report with my read instruction

  and consent. I will include that in my custom letter with failure to comply to my request I will seek

  litigation under 15 US code 1681N civil liability for willfully noncompliance and 15 US code 1681o

  Civil liability for negligent noncompliance

  9. 15 U.S Code 1692e(10)The use of any false representation or deceptive means to collect or

  attempt to collect any debt or to obtain information concerning a consumer

  10. 15 U.S. Code 1692b (5)not use any language or symbol on any envelope or in the contents of

  any communication effected by the mails or telegram that indicates that the debt collector is in the

  debt collection business or that the communication relates to the collection of a debt can't show logo

  or anything saying they are a debt collector)

  11. My right to rescission was violated and I never received redemption paperwork, or

  deficiency for this alleged repossession

  12. 15 U.S. Code 1692j(a)lt is unlawful to design, compile, and furnish any form knowing that such

  form would be used to create the false belief in a consumer that a person other than the creditor of

  such consumer is participating in the collection of or in an attempt to collect a debt such consumer

  allegedly owes such creditor, when in fact such person is not so participating (Any form made to

  make it look like you owe a debt. Each form is a violation - contracts, statements.)

  I am the consumer and I am not participating in this debt and it is a violation to collect on this debt

  pursuant to 15 U.S. Code 1692j(a)

  You gave me a deceptive form so it’s fraud ********

  If you don’t remove the accounts below you are civilly liable for reporting this information and it’s also

  in it is inaccurate.

  I demand that the accounts, be removed immediately:

  1. The following account is a violation of my consumer rights and an invasion of privacy

  pursuant to 15 U.S. Code § 1681 - Congressional findings and statement of purpose

  (4) There is a need to ensure that consumer reporting agencies exercise their grave

  responsibilities with fairness, impartiality, and a respect for the consumer’s right to privacy.15

  usc 1692(a) and is a fraudulent account that I am not responsible for.

  REMOVE THIS IMMEDIATELY FROM MY CREDIT REPORT.

  Business response

  10/04/2021

  **** ******** ********
  
  Thank you for giving us the opportunity to address your issues regarding credit reporting through the Better Business Bureau complaint process. Our records indicate we previously investigated and responded to a similar request from you. A copy of our earlier response is enclosed for your review.
  
  Our records reflect, your vehicle was involuntarily repossessed in March 21, 2019, due to your account being severely delinquent. On March 22, 2019 you reinstated your account by paying the outstanding balance due. Since that time, you have submitted over 20 indirect disputes through the consumer reporting agencies, two complaints through the Consumer Financial Protection Bureau (CFBP), two disputes through the Better Business Bureau (BBB), and filed one complaint with the Texas Attorney General office disputing the reporting of your account in an attempt to have your derogatory tradeline removed. We confirmed, we have responded to all of your disputes within the required timeframe.

  With that, your recent correspondence does not present any additional details or evidence regarding which delinquencies you claim are inaccurate and why, nor does it present any evidence for the alleged violation of the cited laws. Pursuant to the Fair Credit Reporting Act (FCRA), direct disputes may be deemed frivolous and do not require an investigation if the dispute does not contain sufficient information to conduct an investigation, or if the dispute is substantially the same as a dispute previously submitted by, or on behalf of, a consumer. Your recent correspondence did not include specific details or substantive documentation demonstrating an error in our reporting. Therefore, your correspondence was deemed frivolous.
  
  In order for us to further investigate your dispute, your dispute must specify what information you believe is being reported inaccurately and must contain evidence to support your dispute. If you have evidence to support your dispute, please submit this information to us at the mailing address listed on this letter, attention Credit Dispute, and we will be happy to reinvestigate this matter.
  

*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. ↩