Complaints

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

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• 

  BMW Financial Services NA, LLC

  1400 City View Dr Columbus, OH 43215-1477

• 

  BMW Financial Services NA, LLC

  P.O. Box 78066 Phoenix, AZ 85062

• 

  BMW Financial Services NA, LLC

  P O Box 9001065 Louisville, KY 40290

• 

  BMW Financial Services NA, LLC

  5550 Britton Pkwy Hilliard, OH 43026-7456

• 

  BMW Financial Services NA, LLC

  PO Box 3608 Dublin, OH 43016-0306

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

• Initial Complaint

  Date:03/19/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  If I am being honest what happened was I filed for a bankruptcy then I couldn’t pay at all unless through the mail or over the phone but failed to tell me after I had told them this. So I thought maybe it is because of the bankruptcy. But I’m behind 77 days because bmw decided to take it off automatic billing and not notifying that I was unable to ever make a payment online but that makes no sense in 2024. I have made more payments but they want me to be current but I can’t because of legal fees but I am making progress. It has ruined my wife’s credit because she is attached to the car and not the bankruptcy

  Yes I did add it in but communicated to keep it, no one at bmw said that I would be taken off of automatic payment and would no longer be able to pay for it online and only over the phone

  Business Response

  Date: 04/02/2024

  Dear ******* *****:
  
  Thank you for
  giving us the opportunity to address your issues regarding how we are reporting your
  payment history to the consumer reporting agencies 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, and 90-119 days
  past due on two occasions. Enclosed for your review is a copy of your payment
  delinquency statement, detailing when your payments were due and satisfied.
  
  Please
  note, per Title 11 of the Untied States Bankruptcy Code once a bankruptcy
  petition is filed an automatic stay immediately goes into effect, which
  prevents us from continuing collection activity. This stops invoice
  notifications from being sent, EasyPay is cancelled, and credit reporting is
  stopped.
  
  Additionally,
  you and Ms. ***** are equally responsible for ensuring timely payments are
  remitted in accordance with the Retail Installment Contract (Contract). In
  addition to the Contract, she signed and acknowledged receipt of the Notice to
  Cosigner stating “You are being asked to guarantee this debt. Think carefully
  before you do. If the borrower doesn’t pay the debt, you will have to. Be sure
  you can afford to pay if you have to, and that you want to accept this
  responsibility.”
  
  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 questions, please
  contact us at
  
  
  
  ###-###-####, Monday through Thursday, from 9:00 a.m. to 9:00 p.m.
  ET and Friday, from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address
  listed on this letter.        
  Yours
  sincerely,
  
  BMW Financial Services NA, LLC

  Customer Answer

  Date: 04/08/2024

  I have made an effort to pay back but no one would help come up with a solution no statement was given to notice the only alternative payment method was over the phone we are in 2024 so you made it inconvenient for me and that the only reason I missed payments was because the lack of communication that i was unable to pay online. When I had it set up on auto payment you should be investigated by the sec
  
  Regards,
  
  
  
  ******* *****

• Initial Complaint

  Date:03/11/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been trying to get my title from BMW financial services since I took my BMW car loan through them. I purchased car in Kansas but have moved to California with my registration in California as well.
  
  I made the full pay off on 7/30/2023 but still havent received title which I need to take to DMV to get it under my name
  
  2 documents are needed by DMV in California
  1. Lien release letter
  2. Title
  
  BMW is repeatedly sending me Lien release letter and not title.
  
  Please help me get my title asap
  
  BMW Finance Account Information:
  1. VIN# ***************** 2. Car Model - **** *** ** ****** *** 3. BMW Account number- ********** 4. Name: *** *****
  5. Address: **** ********** ** ****** ** *****

  Business Response

  Date: 04/02/2024

  Dear *** *****,
  
  Thank you for
  giving us the opportunity to address your issues regarding your title through the Better
  Business Bureau complaint process. We hope the following information is helpful.
  
  Upon receipt
  of your complaint, we attempted to contact you via telephone multiple times to
  assist in resolving your title issues. As our attempts were unsuccessful, we
  have faxed a lien release request on your behalf to the Kansas Department of
  Revenue Division of Vehicles at ###-###-####. They have been asked to release
  the lien and mail the title to the address above. We apologize for any delay or
  frustration we may have caused while attempting to resolve this issue. We
  appreciate your patience in the matter. 
  
  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 Friday, from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address
  listed on this letter.             
  
  Yours
  sincerely,
  
  BMW Financial Services NA, LLC

  Customer Answer

  Date: 04/03/2024

  its a lie that BMW contacted me ever. Since last 90 days I have call records to prove that I had been calling BMW every other months to get the lien details as I fully paid the loan in August 2023.

  BMW has been delaying the work and till date I havent received any lien paper even after assurance from them since Jan2024.

  BMW didnt even verify sending my lien details to Kansas  even when I have update all my billing information and receiving bmw mail statement at my California home address.

  I want them to get Lien released from Kansas DMV and send it to me by overnight courier as early as possible

  
  
  
  Regards,
  
  
  
  *** *****

• Initial Complaint

  Date:03/10/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  BMW Account #********** motorcycle loan for VIN ***************** Financial Services paid off my loan in error, resulting in a lien release to ***** **** ********* in error. This was a complete mistake with no part of it caused by me the customer.
  I have been unable to get a copy of my Title for registration purposes since I have moved from California to Tennessee. I have been in contact with Financial Services on this matter for 7 months.
  BMW Financial Services has known of this error since May 31, 2022.
  ***** **** ********* has also been a problem with supplying a lien release back to BMW.
  There is no Title in force now for my vehicle. I need a California Title to be able to submit that to Tennessee motor vehicles to obtain a new Title and registration from Tennessee.

  Business Response

  Date: 04/02/2024

  Dear ***** *********
  
  Thank you for
  giving us the opportunity to address your issues regarding your title concerns through
  the Better Business Bureau complaint process. We hope the following information
  and explanation will answer the issues addressed in your complaint.
  
  Upon receipt
  of your complaint, we reviewed your account. We can confirm an error did occur
  leading to your vehicle account payoff on January 18, 2022 by a ***** ****
  Insurance check intended for another account. We were notified of the error on
  February 17, 2022 and immediately updated our records accordingly.
  Unfortunately, the electronic title had already been released by the California
  Department of Motor Vehicles to ***** ****. In an attempt to correct the title
  error, BMW Financial Services ordered a duplicate title. However, because the
  lienholder is now listed as ***** ****, a lien release is required from them to
  complete the corrected title. The lien release was first requested via FedEx
  from ***** **** May 31, 2022 and a second was sent on August 26, 2022. Our
  subsequent calls to ***** **** on September 15, 2023, November 1, 2023,
  November 21, 2023, December 13, 2023, January 19, 2024, February 1, 2024,
  February 5, 2024, February 14, 2024, February 21, 2024, emails on February 22,
  2024 and March 5, 2024, and most recently our calls on March 19, 2024 and March
  21, 2024 have not led to them providing a lien release. During our call with
  one of ***** ****s representatives on March 21, we were advised they were
  sending us a notarized lien release via UPS. Once the lien release is received,
  we will send it along with the California title to the California Department of
  Motor Vehicles for your title to be completed. We apologize for any delay and
  frustration we may have contributed to the situation and greatly appreciate
  your patience while we attempt to assist in resolving this matter.
  
  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 Friday, from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address
  listed on this letter.             
  
  Yours
  sincerely,
  
  BMW Financial Services NA, LLC

• Initial Complaint

  Date:03/07/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  BMW Financial Services reported inaccurate information on my credit report this month, by putting a late payment on my credit profile dated 03/06/2024 for this month payment of March 2024. My payment date states on my bill that I attached to this complaint. That my monthly payment isn't due until the 18th of every month. How can I be late for paying a bill that is not due to pay yet.
  The Fair Credit Act says they can not report inaccurate information. This inaccurate information is hindering me from purchasing a new home this month and receiving a fair interest rate.

  Business Response

  Date: 03/18/2024

  Dear **** *****:
  
  Thank you for
  giving us the opportunity to address your issues regarding how we are reporting your
  payment history to the consumer reporting agencies 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 March 18, 2023 was satisfied on April 20, 2023, which was 33 days after the
  payment due date and resulted in a 30-59 day delinquency reporting for April
  2023. The payment due on December 18, 2023 was satisfied on January 31, 2024,
  which was 44 days after the payment due date and resulted in a 30-59 day
  delinquency reporting for January 2024.
  
  Your
  correspondence suggests a 30-59 day delinquency reporting was reported for
  March 2024. As of the date on this letter, no negative credit reporting was
  reported for March 2024. Our records confirm the negative credit reporting was
  in the months of April 2023 and January 2024. Enclosed for your review is a
  copy of your payment delinquency statement, detailing when your payments were
  due and satisfied.
  
  Please
  note, 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.
  
  We
  certainly understand how important credit reporting is to our customers.
  However, we are unable to make goodwill 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 questions, please
  contact us at
  
  
  
  ###-###-####, Monday through Thursday, from 9:00 a.m. to 9:00 p.m.
  ET and Friday, from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address
  listed on this letter.        
  
  Yours
  sincerely,
  
  BMW Financial Services NA, LLC

• Initial Complaint

  Date:02/28/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  March of 2022 I began financing a new BMW X1 at the time I did not realize the price I was getting for the car was way higher than what I should’ve bought it for. The car dealership was predatory. They did make sure to buy my previous car without leaving me with negative equity, but they did not give me a deal at all with a car that I bought in retrospect.

  I’ve reached out to BMW several times for help as I’ve been unemployed and sick with a medical condition they’ve offered me deferments, but at this point, I can’t afford to pay the car. I went into the dealership to get an appraisal and they quoted me $18,000 less than what the payoff amount is other places including me with $9000 more.

  The car dealership and BMW financial seem to completely want to wash their hands. They haven’t been able to offer me any substantial help in my situation. My only option at this point is to voluntarily repossess my vehicle. They’ve even let me know this. I am highly upset at how this entire situation was handled and how little empathy they had for me being that I’ve been sick and unemployed as a result.

  The car dealership that I bought my car from made so much money off of the sale. They really fooled me into believing that I was getting a good price when in reality the depreciated significantly. When I bought the car, they told me that I would have no problem trading it in for something new in the near future. They made it seem like there would be no negative equity and now here I am with $9k-$18k worth of negative equity.

  The resolution that I’m seeking is that BMW helps me sell this car to get the best price possible, and the least amount of effect towards my credit.

  I understand that there is going to be some effect, but I need them to at least guarantee that it’s gonna be minimal.

  Given the serious and unfortunate circumstances I need them to at least have some leeway and empathy. I’m highly dissatisfied with how this was handled by BMW.

  Business Response

  Date: 03/18/2024

  Dear ******* *******,
  
  Thank you for
  giving us the opportunity to address your issues regarding your vehicle payments through
  the Better Business Bureau complaint process. We hope the following information
  and explanation will answer the issues addressed in your complaint.
  
  First and foremost, we regret to hear of your health
  concerns and loss of employment. We send our sincerest
  well wishes during this difficult time.
  
  We understand from your complaint your vehicle loan
  has become a financial burden. Although we sympathize with your situation, we
  are unable to make any changes to the enclosed Motor Vehicle Installment
  Contract (Contract) or aid you in the sale of the vehicle. Ultimately, you
  agreed to the terms and conditions when you signed the Contract. We encourage
  you to continue reaching out to other dealerships or private parties to see
  what other sale options may be available. Otherwise, should you be unable to
  meet the financial responsibilities demonstrated in your Contract, you may feel
  it is in your best interest to return the vehicle. To do so, please complete
  the enclosed Voluntary Repossession form and send it back to us as soon as
  possible either via fax to ###-###-####, or by email to ***************. Once
  received, we will repossess the vehicle, and we will sell it at auction, where
  any proceeds will be used to lower your deficiency balance.
  
  Additionally, please understand, BMW Financial
  Services NA, LLC is a separate financing entity from the independently owned
  and operated BMW centers. As such we are only able to address issues
  surrounding the implementation of the final agreed upon Contract submitted to
  us by *** ** ****** ******** Issues concerning the negotiation, preparation,
  and signing of the Contract would need to be handled directly through *** ** ****** ******* 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 Friday, from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address listed
  on this letter.             
  
  Yours
  sincerely,
  
  BMW Financial Services NA, LLC

• Initial Complaint

  Date:02/27/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On September 19th 2023 I called BMW FINANCIAL SERVICES in regards to my auto loan payment, I spoke with two separate representative that day and the second one was supervisor *****. When I was speaking with ***** I noticed their was some communications barriers between us so I made sure to repeat my issue's with her just to make sure she did have a full understanding,

  I explained to her that I was part of a strike and that I would not be able to make the full payment that was being requested but I can still make the monthly $920. ***** stated that they will work with me and I can just make the $920 payment and that my credit will not be hit with a 30 day late payment, I expressed this several times to her that I did not want this to Effect my Credit by being hit with a 30 Late Notice, but she advised me it would not if I made just the regular monthly payment.

  I called back maybe 8 days later to find out that this was not the way that it was handled causing my credit to be hit with the 30 days late and greatly affecting my very good credit score I did have, I did reach out to the company and I will be including this documentation below within my complaint, as well as I am requesting the recording from my conversation on September 19th 2023 to be listened to so this issue can be resolved and the 30 Day Notice hit be taken off of all my credit reports cross All Bureaus.

  In Conclusion, I was only doing what I was told by the Supervisor ***** at BMW Financial,  if she would have stated that you have to pay the Entire amount before this Date, then I would have just charged the Entire amount to my Credit Card.

  I don’t know why they are changing there Story now, this is not Fair to the Consumer. I made an Effort to resolve my Car Note that was Due to BMW , I think there also was a Language Barrier at BMW Financial Services, I don’t think she understood my Language.
  

  Business Response

  Date: 03/18/2024

  Dear ******* *******:
  
  Thank you for
  giving us the opportunity to address your issues regarding how we are reporting your
  payment history to the consumer reporting agencies 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 three occasions. Enclosed for
  your review is a copy of your payment delinquency statement, detailing when
  your payments were due and satisfied.
  
  As
  stated in our previous correspondence, we reviewed your above referenced
  account and confirmed you contacted our office on September 19, 2023 regarding
  the status of your account. Please note, our records confirm our representative
  and supervisor both advised we could not modify or hold credit reporting. You
  were advised during both conversations that payments received more than 29 days
  past due date would result in negative credit reporting. You advised you would
  contact our office to make a payment on September 27, 2023, which was 28 days
  past the due date and did not result in negative credit reporting.
  
  Our
  response remains unchanged; we do not have sufficient justification to change
  the way we are reporting your payment history to the consumer reporting
  agencies. We are unable to honor your request to make a goodwill or courtesy
  adjusted to the credit reporting on your account.
  
  If you have any questions, please
  contact us at
  
  
  
  ###-###-####, Monday through Thursday, from 9:00 a.m. to 9:00 p.m.
  ET and Friday, from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address
  listed on this letter.        
  
  Yours
  sincerely,
  
  BMW Financial Services NA, LLC

  Customer Answer

  Date: 04/01/2024

  
  Hope this finds you all Well and Safe. I also was not able to Access the Portal.I am writing this Letter to Reject the Business Response of BMW Financial. This was a miscommunication from BMW Financial, I was making a Good Faith Effort to do Everything to Protect my Credit. I was only doing what I was Told by the Supervisor ***** (she was the 2nd person I Spoke with that Day) If I had known, I could have made other arrangements to close the Account.I strongly suggest that BMW Financial pull the Audio Recording to hear the conversation of ***** responding to my Situation. I told her we were on a Workers Strike, for the last 8 Months, she then Assured that it was Ok to make the 920.00 payment that this would not Affect my Credit, if you checked the Date you will see I called in on September 19.which I had 9-10 Days to make Payment before a 30 Day Penalty. Also, I think there was an English Barrier, ***** had an accent , so I don’t think she was understanding the urgency of my Request.I am not trying to get anyone Trouble here, I am only trying protect my Credit as a Consumer.

  
  In closing, I am rejecting the Business Response from BMW Financial, they need to Pull the Audio from there Call Center and Listen to Call in its Entirety.I was only doing what I was told by the Supervisor. Thanks.
  
  Best Regards,
  
    ******* *******
  *** *** **** ****

  Business Response

  Date: 04/02/2024

  
  In reviewing the rejection of our response for this complaint, our answer is not changing. This customer has submitted disputes directly to us, through the CFPB and through the BBB and our response remains unchanged. All of our escalation specialists are stationed in the US and are very fluent in English, so the implication that they did not understand the customer is unfounded. Our response remains unchanged for this complaint and I request this be closed since there is no new information provided in their rejection.
  
  Thanks,
  
  ***** *******

• Initial Complaint

  Date:02/23/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  BMW FINANCIAL SERVICES improperly triplicated hard inquiries to ********** for a single lease operation, instead of using the same inquiry for Acc. **********.
  On Nov 19, Nov 21 and Nov24 BMW Financial Services pulled my credit report 3 times for a single lease. This was expressed in advance to the two different BMW dealers with which I was negotiating.
  The authorization was for a single lease agreement, and once in their possession, the company could use it for a single or multiple deals, without damaging the client. Different banks have been already raising the variable rates due to excessive multiple inquiries on my report. Pursuant to the Fair Credit Reporting Act rules I demand removal for two out of the three hard inquiries.

  Business Response

  Date: 03/07/2024

  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.
  
  Our
  records indicate we received the following applications for auto financing in
  your name:
  
  -              On November 16, 2023 for a BMW i4
  submitted by ******** ***
  -              On November 19, 2023 for a BMW i4
  submitted by *** ** *** *******
  -              On November 21, 2023 for a BMW i4
  submitted by *** ** *** *******
  -              On November 24, 2023 for a BMW i4
  submitted by *** ** ***** ******
  
  Each
  of these applications was made for a different specific vehicle, with a
  different MSRP, given different terms and conditions, on different days, and—in
  all but one case—through different dealerships. Each application you submit is
  subject to a separate evaluation by our credit team, including a separate credit
  inquiry. By signing each credit application, you authorized BMW Financial
  Services to “make whatever inquiries it considers necessary and appropriate
  (including requesting a consumer report from consumer reporting agencies)” in
  considering whether to grant you credit.
  
  We
  regret to learn of any misunderstanding you may have experienced in discussing
  your application with the various BMW Centers; however, as it is evident these applications
  were submitted with your consent, we are unable to accommodate the request to
  remove the inquiries from your credit report.
  
  If
  you have any further questions about this application, or to request a copy of
  your application, please contact the relevant BMW Center. If you have any
  questions regarding your open account with us, please contact a Customer
  Service Advocate at ###-###-#### from 9:00 a.m. to 9:00 p.m. ET Monday
  through Thursday, and from 9:00 a.m. to 6:00 p.m. on Fridays.
  
  Yours
  sincerely,
  
  BMW Financial Services NA, LLC

  Customer Answer

  Date: 03/07/2024

  No bearing signature,  the business answer is in error partially and false in another.  My answer and final goodwill attempt is attached,  next will be a judge deciding on the absurdity of the Lender answer.
  
  
  
  Regards,

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

  Business Response

  Date: 03/18/2024

  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.
  
  Our
  records indicate we received the following applications for auto financing in
  your name:
  
  -              On November 16, 2023 for a BMW i4
  submitted by ******** ***
  -              On November 19, 2023 for a BMW i4
  submitted by *** ** *** *******
  -              On November 21, 2023 for a BMW i4
  submitted by *** ** *** *******
  -              On November 24, 2023 for a BMW i4
  submitted by *** ** ***** ******
  
  As
  we explained in our prior letter, each application you submit is subject to a
  separate evaluation by our credit team, including a separate credit inquiry. The
  number of inquiries to your credit history corresponds only to the number of
  applications you submitted. The number of vehicles you ultimately intended to
  lease and the final number of contracts that result from those applications
  have no bearing on the legitimacy of the inquiries.
  
  Your
  present letter makes the same claims and provides no further evidence to
  support your statements. As such, we must refer you to our prior response,
  which remains unchanged. To request a copy of your application, please contact the
  relevant BMW Center from the list above. If you have any questions regarding
  your open account with us, please contact a Customer Service Advocate at ###-###-#### from 9:00 a.m. to 9:00 p.m. ET Monday through Thursday, and from 9:00
  a.m. to 6:00 p.m. on Fridays.
  
  Yours
  sincerely,
  
  BMW Financial Services NA, LLC

  Customer Answer

  Date: 03/18/2024

  The business answer is completely absurd, since they have the burden of proof by law.  They have to provide evidence with my bearing signarture where I authorized all the inexistent inquiries.

  I applied for one and just for one vehicle.  As a lawyer I can clearly tell  you your answer is trying to create confussion to the BBB absurdly.

  Regards,
  
  
  
  ***** ****** *******

• Initial Complaint

  Date:02/21/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been trying to register my car in a new state for 2 months now. My previous registration from the state of NC is expired now, and I am unable to register the vehicle here in ******* due to BMW’s negligence and failure to respond to Title requests by the local DMV office here. It has been absolutely useless to try and get in contact with BMW Financial services. Their employees assure me I’ve done everything right and it’s just a waiting process, or they tell me they will look into it and give me a call; they never call back. What do I need to do to register my vehicle? It shouldn’t be this complicated. I’m a recently disabled veteran and I need my car to drive to my medical appointments.

  Business Response

  Date: 03/08/2024

  Dear ******* ******
  
  Thank you for
  giving us the opportunity to address your issues regarding your title and registration through
  the Better Business Bureau (BBB) complaint process. We hope the following
  information and explanation will answer the issues addressed in your complaint.
  
  BMW Financial
  Services NA, LLC (BMW Financial Services) prides itself on offering premium
  customer service. We regret to learn your experience and interactions with us
  did not meet your expectations. We recognize the state-to-state move process
  regarding your registration and title can be a frustrating and long process. We
  apologize for any delays we may have inadvertently contributed to in this
  situation.
  
  Upon receipt of your complaint, we
  reviewed your account. Our records indicate you first notified us of your move
  from the state of ***** ******** to ******* on January 3, 2024, via your online
  account message center at ********************. On January 4,
  2024, your address was updated to the new address you provided of ***** ****** ******* ******** ******** ****** On January 5, 2024, move documents were sent
  to you via USPS to this address. On January 16, 2024, you contacted one of our
  representatives via telephone advising you had not received the move documents.
  A second set of move documents was mailed via USPS to the ******* address again
  on January 17, 2024. We received a call from you again on January 18, 2024.
  stating you had received and taken the first set of move documents to the
  Department of Motor Vehicles (DMV) who advised they also needed a title release
  form (TRF) completed. We received the TRF on January 30, 2024. Our most recent
  information indicates the TRF documents were sent to the DMV/****** ****** *** ********* via FedEx at **** ****** **** ***** *** **** ******** ******** ***** on February 21, 2024. FedEx tracking number **** **** **** indicates the
  delivery was received by the DMV on Friday, February 23, 2024 at 10:58 am and
  signed for by ** *********. We encourage you to contact the DMV to follow up on
  the status of your ******* title and registration at ###-###-####.
  
  Please note, the ******* address you
  provided us in January does not match the Riverview address used in your BBB
  complaint. If another address update is needed on your account, please contact
  us immediately or make the appropriate updates in your online account.
  
  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 Friday, from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address
  listed on this letter.             
  
  Yours
  sincerely,
  
  BMW Financial Services NA, LLC

• Initial Complaint

  Date:02/19/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been asking BMW Financial Services to please forgive $75.00 worth of late fees. They told me I reached my 3X late fee forgiveness. Whatever happen to COVID forgiveness and whatever happen to compassion. I have been diagnose with a serious health condition. Every dollar at this point will help me. Can you please reconsider the last 3 late payment fees. I have already paid 25 X 25 a total of $ $625 worth of late fees. All am asking is to forgive 3 more. I realize you extended to 6 late waived fees. due to my medical condition I can really use the help to please forgive the last 3 late fees. My Financing Account number is *********9. My car is **** **** ****** *****. Can you please help me. Thank you. *******

  Business Response

  Date: 03/08/2024

  Dear ******* ******,
  
  Thank you for
  giving us the opportunity to address your issues regarding your late 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 asking BMW Financial Services NA, LLC to waive $75.00 worth
  of late charges as a courtesy due to your health. First and foremost, we are
  sorry to hear you were diagnosed with a serious health condition. We sincerely
  with you the best during this difficult time. According to the terms of your
  Motor Vehicle Retail Installment Contract (Contract), a late charge is assessed
  anytime the monthly payment is not received within ten days of the due date.
  Our records indicate you have received 29 late charges throughout the term of
  your Contract, and we have already waived three of them. Although we empathize
  with your situation, we are unable to offer any additional late charge waivers.
  
  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 Friday, from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address
  listed on this letter.             
  
  Yours
  sincerely,
  
  BMW Financial Services NA, LLC

• Initial Complaint

  Date:01/18/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  December 2022 was the end of my auto lease. I returned the car to the dealership and was told that I had exceeded the number of miles as well as the vehicle having a few scratches. I was given an amount that was due as a result. I contacted customer service and began making monthly payments, as I was not in the position to pay in full.

  A few days ago I received an alert from Credit Karma that my credit score had dropped from 750 to 599 due to a closed loan and a collection item. I immediately reviewed my credit info and noticed that the balance owed to BMW Financial was now listed as a collection item. I was quite confused as I just made a $200 payment in December and another in January.

  I then tried contacting BMW customer service. However the office was closed. First thing Monday morning I reached out again and was able to get a hold of a representative who explained that the balance had to be paid in full within twelve months or the debt would be reported as a collection item. I explained to her that I did not receive any sort of notice-nothing in the mail and or a phone advising me of this. I inquired as to whether I could pay the balance on my credit card; which I did. She went on to say the item would remain as a collection item on my credit report.

  I am truly at a loss for words. This is the third car that I have purchased using BMW Financial. My mother is also on her third. My day is on her second, and my sister is on her fourth. The only reason I did not rent lease is I my place of employment is now 70 miles from home. The plan is lease another vehicle once I am issued a company vehicle.

  I have paid each car payment on time as I take pride in maintaining a good credit score. This is truly devastating to have my credit score drop tremendously without any form of warning from BMW letting me know I was running out of time.

  I am asking that this negative entry be remove from my credit report as I have paid the balance in full immediately after I was notified.

  Business Response

  Date: 01/29/2024

  Dear ***** ******:
  
  Thank you for
  giving us the opportunity to address your issues regarding how we are reporting your
  payment history to the consumer reporting agencies 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 a collections account in the month of December 2023 prior
  to its being paid in full.
  
  Our
  records indicate the above referenced vehicle was confirmed turned in by ********** *** on December 22, 2022. On December 23, 2022 a Vehicle Return Statement was
  sent to the address on file, which indicated a lease end balance was due. On
  January 31, 2023, you contacted our office to discuss your account, at which
  time our representative advised your Lease End Balance, the ability to set up a
  payment plan and the potential for negative credit reporting if the balance was
  not paid 365 days from the lease end statement. During this call you requested
  a payment plan and processed a payment for $200.00 to begin your payment plan.
  
  We
  certainly understand how important credit reporting is to our customers.
  However, we are unable to make 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 questions, please
  contact us at
  
  
  
  ###-###-####, Monday through Thursday, from 9:00 a.m. to 9:00 p.m.
  ET and Friday, from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address
  listed on this letter.        
  
  Yours
  sincerely,
  
  BMW Financial Services NA, LLC