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Dear Mrs [redacted] : Thank you for giving us the opportunity to address your issue regarding the repossession of your vehicle through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint The referenced vehicle was repossessed because you failed to make the full payment required in the Letter of Strict Compliance mailed to you on October 10, Since the repossession, we spoke to you on October 28, 2016; you paid the amount as required and the release of the vehicle was sent that same day We are committed to providing our customers with the highest level of serviceIf you have any questions, please contact me, Elizabeth S [redacted] at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letter Yours sincerely, Elizabeth S [redacted] Customer Correspondence Specialist BMW Financial Services NA, LLC

Thank you for giving us the opportunity to address your recent experiences with our representatives as well as how we have reported your payment history to the credit reporting agencies through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint MINI Financial Services prides itself in offering premium customer serviceWe sincerely apologize for not providing you with the level of customer service you expect and deserve during your recent interactions with our collections departmentFor your privacy, you must first authenticate your information before our representatives are able to discuss your account directly with youYou may authenticate by providing your full Social Security Number, or if you prefer you may confirm the last four digits of your Social Security Number along with additional personal information, such as your billing address MINI Financial Services is committed to reporting account information to the credit reporting agencies regarding the payment experience we have with our customersIn an effort to resolve your request, we researched your account and verified one payment was received 30-days past dueThe payment due on August 7, was received days past due on September 15, Mr [redacted] , we certainly understand how important credit reporting is to our customersYour letter states your account was setup on a recurring monthly paymentOur records indicate your account has never been enrolled in EasyPay, our recurring monthly payment serviceIf you were enrolled in a recurring payment through your bank, and the payment was not transmitted as a result of a bank error, we would be happy to investigate this matter furtherWe require a letter from your bank, on their letterhead, providing us with the details of their errorThe letter must contain an authorized representative’s name and contact information so we may confirm the information provided MINI Financial Services does not instruct the credit bureaus to remove derogatory information unless our reporting of the account information is inaccurateIn this case, the data MINI Financial Services furnished to the credit bureaus is accurate As a financial services provider we are required to report payment histories pursuant to established guidelinesWe have made the decision to report to the credit bureaus and must report all of our customers based upon the same criteriaBecause we have no evidence indicating our reporting of your account is not accurate, while we are able to accommodate your request to remove the late charge from your account as a courtesy, we are unable to accommodate your request to remove the delinquency from your credit report at this time We are committed to providing you with the highest level of serviceIf you have any questions, please contact me, Kaylan L [redacted] at (800) 578-5000, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letter

Dear MrM***: Thank you for contacting up2drive the opportunity to address your dispute regarding the application we received for new financing in your name through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint MrM***, our records confirm your information was submitted to up2drive on December 16, through lendingtree.comFor more information regarding the application process through lendingtree.com, we recommend contacting them directly Your complaint states you did not authorize this credit application to be submittedWhile we regret to learn of your situation, because we have no evidence the application was submitted without your authorization, we are unable to accommodate your request to remove the inquiry from your credit report at this time If you believe someone is using your personal information without your consent, we would be happy to continue working with you to further review your requestTo proceed with our investigation, we request you complete and sign the enclosed Fraud Affidavit (Affidavit) in the presence of a notary publicPlease return the original Affidavit, a copy of the police report, proof of residency at the time the fraud occurred, and a legible copy of your driver's license to up2drive at the address listed below: up2drive ATTN: Collections Department [redacted] ** [redacted] Yours sincerely, [redacted] up2drive enclosure: Affidavit

Dear Mr [redacted] : Thank you for giving us the opportunity to address your issue regarding end of lease charges through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint BMW Financial Services encourages our customers to have pre-inspections performed prior to the return of their leased vehicleThis allows our customers the opportunity to repair the vehicle using their insurance, and/or a trusted body shop that may be able to repair the damage at a reduced cost BMW Financial Services tries to make the lease end process a pleasant experience for our customersThat is why we send out a packet approximately days prior to the end of the lease termThis packet directs each customer how to access their personal website specifically designed for their individual BMWThis website explains in detail the end of term process, what is considered excess wear and tear, and the customer’s responsibilities and options, such as obtaining an inspection prior to turn inThis site would have clearly stated the size, grade, quantity and quality of the tires required to be on the vehicleWe regret that you did not receive this packet or were not aware of its contents Pursuant to Section of your Motor Vehicle Lease Agreement (Lease Agreement), you agreed to pay for any costs related to excessive wear and useThis section lists examples of what is considered excessive wear and use, including inoperative electrical parts, scratched or pitted glass, and scratched body parts, paint, trim or grill workAs you can see from the inspection report, the items you are being charged are in stipulated in your Lease AgreementWe have enclosed a copy of your Lease Agreement for your review Excess wear and tear charges are determined by the size of the damagewear and tear is designated as damages that measure smaller than two inchesDamage that is larger than two inches but smaller than four inches is considered small and billed at $per instanceDamage that measures four inches or more is considered large and billed $per instanceAccording to the inspection performed prior to the vehicle’s return, there were scratches on two of the rims, specifically the left front and left rear rims that were four inches or largerThe cost to replace two rims was $We have enclosed a copy of the inspection for your records BMW Financial Services prides itself in offering premium customer serviceWe regret that your lease end experience did not meet your expectations We are committed to providing you with the highest level of serviceIf you have any questions, please contact us at (800) 398-3939, Monday through Thursday, from 9:a.mto 9:p.mET, and Friday, from 9:a.mto 6:p.mETYours sincerely, Jessica G [redacted] End of Term Account Specialist BMW Financial Services NA, LLC enclosures: Lease Agreement inspection

I am rejecting this response because the minor damage to the wheels was well within BMWs "Acceptable" parameters as follows:Acceptable• Four original, matching tires that have at least 4/32" treaddepth and that match the original equipment suppliedon your vehicle (speed rating, type, run-flat, brand, and size);• Minor scuffs that fall within the inner circle, to tires thatdo not affect the safety of the tire;• Minor scuffs or nicks to wheel covers or alloys that fall withinthe 4" outer circle of the Evaluator.Unacceptable• Tires, regardless of mileage, that have less than 4/32" tread depth;• Specifications and sizes different from original equipment brand(approved brands are Michelin, Pirelli, Bridgestone, Continental,Dunlop, and Goodyear), type (run-flat), and speed rating;• Recapped or retread tires;• Tire sidewall repair plugs;• Snow tires;• Any tire damage affecting the safe operation of the vehicle;• Mismatched, bent, cracked, or broken wheels, wheel covers, or alloys;• Missing spare tire and/or spare tire that does not matchthe original manufacturer’s specifications;• Bulges or indentations in the sidewall;• Scuffs/scratches to wheel covers/alloys that fall outsideof the 4" outer circle of the Evaluator.If BMW made a choice to replace the wheels, it is their responsibility to cover the costA comparable scenario would be if a lease was returned with a minor chip in its paint that fell within BMWs acceptable lease return parametersUpon prepping the vehicle for resale, the dealership decides to replace the door for esthetic purposes, then charges the leasing party $for the replacementThere are two reasons this is unacceptable:The chip is clearly allowed by the defined lease return parameters, and not the responsibility of the leasing partyThe cost of repairing the paint chip would be significantly less than replacing a door.In the above case $would be an exorbitant fee for an item that feel within the Unacceptable lease return parametersThe cost of repairing minor curb rash is approximately $per wheel, something BMW appears to have overlookedRegardless, it is not our responsibility.Please escalate this issue to someone with the authority to resolve it

Dear Mr [redacted] : Thank you for giving us the opportunity to address your issue regarding the BMW Financial Services Pull Ahead program through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint Our Pull Ahead program waives up to six monthly payments on eligible Lease accounts provided the returning customer leases or finances a New or Certified Pre-owned BMW through BMW Financial ServicesOur records confirm the six remaining Lease payments totaling $5,were satisfied as part of our Pull Ahead program on January 29, Mr [redacted] , the above referenced vehicle was grounded on January 26, 2015, six days after the January 20, EasyPay payment had posted to your wife’s accountOur records confirm your wife’s account was enrolled in automated payments through our EasyPay program using her My BMW online accountUnfortunately, this payment did not qualify for our Pull Ahead programBecause the referenced payment was the 30th of monthly payments owed to satisfy your wife’s signed Motor Vehicle Lease Agreement (Lease), we are unable to refund this paymentThe pull ahead program satisfied the 31st, 32nd, 33rd, 34th, 35th and 36th payments, which are the payments under the pull ahead program Your business is appreciatedFor questions or concerns pertaining to any verbal agreement provided by [redacted] BMW, please contact the individual BMW centerWe hope this satisfies your inquiry; however, if you have any further questions concerning your wife’s account with us, please contact me, [redacted] at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letter

I am rejecting this response because: Please see attachmentTo Whom It ConcernsMrS [redacted] has not reached out to me regarding this matterWhen I called BMW Financing they did not know who he wasI received a threatning letter from Kristina K [redacted] saying that I need to pay all the money by 11/13/I called to speak with her and wasn't allowed the priviledgeI was told further that my car could be taken after I had paid $on the fourth of NovemberI realy don't understand why this is going onI only owe $and don't understand why they want all this extra moneyDenying there's a problem is not satisfacturally solving itI'm not satisfied with MrJames S [redacted] ***'s response.Sincerely, Ms [redacted]

MrG [redacted] from BMW was kind enough to share with us a detailed description of my payment history with BMW, and of the incident/accident that took place with my car However, non of that has anything to do with the issue at hand, which is that BMW is reporting my account status to the credit agencies incorrectly He states that BMW sent an electronic update to the credit reporting agencies with an "E" indicator, I am not too sure if that was done in the past or after my complaint, because it is still showing with wrong indication on my report, as per attached I tried contacting MrG [redacted] and left him a voice mail, but I didn't here back He also states that my correspondence does not provide sufficient justification My correspondence that was sent to BMW originally had the proper documentation from the credit agency that BMW had asked me to send It is the same as what is attached to this message It show's that my as of now, my account is being reported as past due, and not that account was discharged That is what needs to be corrected

Hi,Please record my response as follows:"I am still not at all satisfied with BMW Financial Services handling of this matter; they have caused extra work for me the customer by not appropriately using the information I gave them(my Pennsylvanian registration); they should have forward this to the Loudoun County of Revenue instead of making the payment; now they have made a payment that was not owed and I have to chase after the county treasurers office to get it re-credited; since I did not make the payment and it was made on my behalf, this further complicates things, resulting in delay when ever I contact the county officejust a waste of my time because BMW Financial Services is negligent/incompetent; this fact is made ever more clear because I preformed the same exact transfer at the same exact time with Audi Financial Services for my Qand it was flawlessthe questions is why has one company got it right and one company got it so wrong."End of Response.Thank you Revdex.com

Thank you for giving us the opportunity to address your inquiries regarding the end of lease tire charges through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint Section of the Motor Vehicle Lease Agreement (Lease) lists examples of what is considered excessive wear and use, including tires with tread depth of less than 1/8” remaining at the shallowest point, and/or tires that are not all the same grade, quantity, or quality as those delivered with the vehicleBecause the tires on the vehicle at the time it was returned had a tread reading below 4/32”, you have been billed for the tires at the end of your leaseRoad surfaces and environmental conditions are a factor with tire performance and tread life, so mileage is not the only contributing factor for the wear of a tireOur records show the vehicle was inspected at BMW of BridgeportBy signing the inspection, the customer and inspector acknowledged and agreed with the completed inspection Our records show we spoke with you on February 24, and agreed to waive $from the previous statement of $We have determined the $is an accurate balance of the remaining end of lease charges on your accountWe have enclosed a current account statement confirming the balance and payment options for your records We understand you may not agree with our decision in not waiving all of your lease end charges; however, we hope this response clarifies our positionIf you have any questions, please contact us at (800) 398-3939, Monday through Friday, from 9:a.mto 9:p.mET, or by mail at either address listed on this letter

In regards to filing a complaint against [redacted] BMW, the body shop is located at [redacted] ***Their number is ###-###-####The [redacted] location in the e-mail link was for [redacted] , I am going to move forward and add a complaint against [redacted] bmw body as the location I mentioned abovethey kept the car for monthswhen I asked them to give the car back, they refusedi would have got it fixed elsewherethey kept saying more weeks, then after weeks went by, they said more weeks, then more weeks,eventually it became monthswhen they said the car was ready, they said they could not give it to my till they got their paymentthey said till we get our money, we cannot give you the backthey initially charged my car insurance company $4,then $6,they charged $21,000+ to fix the cari went through torture with this shop for monthsi am definitely going to file a complaint against them as well.thanks***

Dear Ms [redacted] : Thank you for allowing BMW Financial Services the opportunity to respond to your recent complaint submitted to the Revdex.com regarding the repossession of your vehicle and how we have reported your payment history to the credit reporting agenciesWe hope the following information and explanation will answer your request In an effort to resolve your request, we researched your account and verified your vehicle was involuntarily repossessed and sold at auctionWe are currently reporting your Account Status as “Unpaid balance reported as a loss, (charge-off)” with a current and past due balance of $18, Ms [redacted] , we have no record of the payment arrangements referenced in your complaintOur notes indicate we made numerous unsuccessful attempts to contact you prior to repossessing your vehicle for a second timeThe Notice of Sale was mailed to you on April 27, We also spoke with you the same day and advised payoff was due in full by May 12, to redeem your vehicleHowever, the Notice of Sale expired and your vehicle was sent to auction and soldWe have enclosed a copy of the Notice of Sale, advising of our intent to dispose of your vehicle; and a copy of the Auction Sale Breakdown, outlining your financial obligation following the sale of your vehicle Unfortunately, your correspondence does not provide sufficient justification to change the way we are reporting your payment history to the credit reporting agencies under the guidelines and regulations we are required to follow as a Data FurnisherAs a financial services provider we are required to report payment histories pursuant to established guidelinesBecause we have no evidence indicating our reporting of your account is not accurate, we are unable to accommodate your request to remove the tradeline from your credit report If you have any questions, please contact me, Paul I [redacted] at ###-###-####, Monday through Friday, from 8:a.mto 5:p.mET, or by mail at either address listed on this letter Yours sincerely, Paul I [redacted] Senior Account Specialist BMW Financial Services NA, LLC enclosures: Notice of Sale Auction Sale Breakdown

Dear Ms***: Thank you for providing us the opportunity to address your concerns regarding the mechanical charge appearing on your maturity statement through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaintWe understand your vehicle came with both a warranty and a maintenance plan; however you were responsible for properly servicing the vehicle in accordance with the terms of your Motor Vehicle Lease Agreement (Lease)You were billed the maintenance charge because you failed to have the required service performed prior to returning your vehicleUnfortunately, returning the vehicle under the mileage assessed in your Lease does not negate the overdue serviceAlthough we are unable to accommodate your request to remove the mechanical charge assessed in accordance with the terms of your Lease, as a gesture of appreciation for your previous loyalty and future business, we are happy to waive half of the chargeWe are committed to providing you with the highest level of serviceIf you have any questions, please contact us at ###-###-####, Monday through Friday, from 9:a.mto 9:00pm p.mET, or by mail at either address listed on this letterYours sincerely, Brice S [redacted] Early End of Term Specialist MINI Financial Services NA, LLC

Dear MsDenise De Leon:Thank you for giving us the opportunity to address your issue regarding Mr [redacted] ’s account through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaintPlease accept our condolences regarding the passing of Mr [redacted] We are in receipt of a copy of his death certificate that you had provided, and have made the proper notations on his accountUnfortunately, returning the vehicle does not end or satisfy the obligations established within the Motor Vehicle Lease Agreement (Lease) signed by Mr [redacted] In accordance with Mr [redacted] ’s Lease, the above referenced vehicle was sold at a private dealer auction after it was voluntarily surrendered Subsequently, the customer is liable for any deficiency balance, including all associated fees, as a result of this saleThe deficiency balance is the difference between the final payoff and what the vehicle sold for at auction For your review, we have enclosed a copy of the Lease and Auction Sale Breakdown.BMW Financial Services was required to send a letter addressed to Mr [redacted] regarding the balance due after the sale; however, you are not personally liable for Mr [redacted] ’s balancePlease note that BMW Financial Services reserves the right to pursue a probate claim should the opportunity arise in the future.If you have any questions, please contact us at ###-###-####, Monday through Friday, from 9:a.mto 9:p.mET, or by mail at either address listed on this letter.Yours sincerely,

Dear Mr [redacted] : Thank you for giving us the opportunity to address your issue regarding end of lease charges through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint BMW Financial Services NA, LLC is a separate and independent financing entity from the manufacturer, BMW of North America, LLCWe can only address issues dealing with your Motor Vehicle Lease Agreement (Lease Agreement) or your account with usAll issues pertaining to the performance and/or maintenance of the vehicle, as well as service provided by your BMW center, are handled by BMW of North America, LLCYou may contact them directly at (800) 831- Mr [redacted] , BMW Financial Services tries to make the lease end process a pleasant experience for our customersThat is why we send out a packet approximately days prior to the end of the leaseThis packet directs each customer how to access their personal website specifically designed for their individual BMWThis website explains in detail the end of term process, what is considered excess wear and tear, and the customer’s responsibilities and options, such as obtaining an inspection prior to turn inThis site would have clearly stated the size, grade, quantity and quality of the tires required to be on the vehicleWe regret that you did not receive this packet or were not aware of its contents BMW Financial Services encourages our customers to have pre-inspections performed prior to the return of their leased vehicleThis allows our customers the opportunity to repair the vehicle using their insurance, and/or a trusted body shop that may be able to repair the damage at a reduced costWe require our customers to sign all dealer self-inspections performed at the end of a leaseIf the customer disagrees with the BMW center’s evaluation, the vehicle is sent for a third party inspection at no cost to the customerAs we did not receive a signed final inspection from [redacted] BMW, BMW Financial Services required a third party inspection to be performed by Manheim New JerseyPlease be advised that Manheim New Jersey does not receive any additional financial compensation based on the amount of wear and tear to a vehicle Pursuant to section of your Lease Agreement, you agreed to pay for any costs related to excessive wear and useThis section lists examples of what is considered excessive wear and use, including inoperative electrical parts, scratched or pitted glass, and scratched body parts, paint, trim or grill workAs you can see from the inspection report, the items that you are being charged for are in stipulated in your Lease AgreementExcess wear and tear charges are determined by the size of the damagewear and tear is designated as damages that measure smaller than two inchesDamage that is larger than two inches but smaller than four inches is considered small and billed at $per instanceDamage that measures four inches or more is considered large and billed $per instanceAccording to the inspection performed prior to the vehicle’s return, there was large damage to both the front and rear bumpers The amount of the disposition fee is disclosed in Section and further discussed in sections and of your Lease AgreementThe fee helps cover the costs incurred in transporting the vehicle to an auction, preparing it for sale and paying the auction feesAs a loyalty reward, the fee is waived if you finance or lease your next new or certified pre-owned BMW through BMW Financial Services within six months of the end of your leaseAdditionally, a lease assumption on an existing lease account with BMW Financial Services qualifies for the waiver of this fee After a review of your account, we have determined the front bumper charge can be classified as curb rash and have removed the chargeIn addition, in the spirit of maintaining good customer relations, we have waived, as a courtesy, half of the rear bumper charge, leaving a balance due of $Please direct your check for $(with your account number in the memo section of your check) to: BMW Financial Services POBox Louisville KY 40290- Mr [redacted] , BMW Financial Services prides itself in offering premium customer serviceWe regret that your lease end experience did not meet your expectationsWe hope our resolution has restored your faith in BMW, and we look forward to the opportunity to serve your vehicle financing needs well into the future We are committed to providing you with the highest level of serviceIf you have any questions, please contact us at (800) 398-3939, Monday through Thursday, from 9:a.mto 9:p.mET, and Friday, from 9:a.mto 6:p.mETYours sincerely, Jessica Gardner End of Term Account Specialist BMW Financial Services NA, LLC c: Central Ohio Revdex.com

Dear Mr [redacted] Thank you for allowing BMW Financial Services the opportunity to respond to your recent dispute, submitted through the Revdex.com complaint process, regarding how we have reported your payment history to the credit reporting agenciesWe hope the following information and explanation will assist you MrBermudez, as a result of our recent investigation, we will be providing an electronic update to [redacted] We will report your account with an Account Status as “Closed.” Please note, it may take approximately days for all of the credit reporting agencies to change the information in their systemsIf you need assistance with any lending institution while your file is being updated, they may send a credit verification to us by fax at ###-###-####, or by mail at either address listed belowPlease ensure they include your signed authorization with their request If you have any questions, please contact a Customer Service Advocate at [redacted] , Monday through Thursday, from 9:a.mto 9:p.mET and Friday from 9:a.mto 6:p.mET, or by mail at either address listed on the left hand side of this letter Yours sincerely, Michael G [redacted] Credit Dispute Specialist BMW Financial Services NA, LLC

I am requesting an interest rate reduction based on the documents submitted based on the change of responsible for the [redacted] Bank loan

I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me I have also attached the detailed complaint which it appears you did not receive

I am rejecting this response because it was not on my monthly statements so how was I to know I owed this chargeThis contract has small printI know these are hidden charges, it should have been on statements each month This is not good business

Thank you for giving us the opportunity to address your issue regarding your monthly Account Statement through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint Ms [redacted] , we are sorry to hear you have not been receiving your monthly Account StatementsWe can confirm we have been sending your Account Statements to [redacted] Street, Apt***, Oklahoma City Oklahoma During one of your telephone conversations with our representative we attempted to confirm the address with you; and confirmed an address of [redacted] as your primary number rather than ***We apologize for our errorWe have changed your address to [redacted] St Apt*** As a service to our customers, we bill our customers approximately days prior to their payment due dateThe next morning this information is sent electronically to our vendor that produces our monthly Account StatementsThe Account Statements are printed and mailed within hours (excluding weekends and holidays) after being received by our vendorOur records indicate that the Account Statement for your June 19, payment due date was printed and mailed on May 30, The Account Statement for your July 19, payment due date was printed and mailed on June 30, and the Account Statement for your August 19, payment due date was printed and mailed on July 31, We have enclosed copies of your Account Statements for your records Again, we apologize for the confusion we caused for youWe are committed to providing you with the highest level of serviceIf you have any questions, please contact me, Brady Houseman at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letter