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I followed up with MINI but they're not willing to work with me in at allI told them I've only had one day's notice and can not come up with the amount they are askingThey said they're not going to extend the noticeI would need to pay the full amount of $by tomorrow in order to
reinstate the car, then pay for the storage fees to retrieve the carThis seems highly unfair to meDo I have any recourse?Thanks for your assistance *** ###-###-####

Dear Ms***: Thank you for allowing Alphera Financial Services to respond to your recent complaint submitted through the Revdex.com regarding the repossession of Ms*** *** vehicleWe hope the following information and explanation will assist you Ms***, we
have attempted to work with you on numerous occasions; including, allowing you time to research and reissue your missing Money Orders in and The letter you received from Cordell K.*** was regarding the August 24, payment transferred to your account on September 11, Your misapplied payment is unrelated to the repossession of your vehicle Our records indicate we spoke with you on June 3, and June 14, 2016, and advised a payment of $must be received by June 17, or the vehicle would be placed back out for repossessionYour arrangement was broken and the account was days past due when the vehicle was repossessed on June 27, The outstanding deficiency balance is $6,Enclosed for your review is a copy of the Notice of Sale, advising of our intent to dispose of the vehicle; and a copy of the Auction Sale Breakdown, advising of the deficiency balance after the sale of the vehicle If you have any questions, please contact me, Paul I.*** at ###-###-####, Monday through Friday, from 8:a.mto 5:p.mET, or by mail at either address listed on this letterYours sincerely, Paul I*** Senior Account Specialist Alphera Financial Services enclosures: Notice of Sale Auction Sale Breakdown

Dear Mrand Mrs***:
Thank you for giving us the opportunity to address your concerns regarding 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
BMW Financial Services is committed to reporting account information to the credit reporting agencies regarding the payment experience we have with our customersAs a result of our recent investigation, we are providing updated information regarding your account history to Equifax, Experian, Innovis, and TransUnionWe will report zero payments were received greater than days
Please allow approximately to days for all of the credit reporting agencies to change the information in their systemsIf you need assistance with the lending institution your file is being updated by the credit reporting agencies, they may send a credit verification request by fax to ###-###-####Please include your signed authorization with their request
Mrand Mrs***, thank you for bringing this matter to our attentionWe certainly understand how important credit reporting is to our customers and sincerely apologize for the confusion and the delay in our response to your initial correspondence
We are committed to providing you with the highest level of serviceIf you have any questions, please contact me, Paul I*** at *** ***, Monday through Friday, from 9:a.mto 5:p.mET, or by mail at either address listed on this letter
Best regards,
Paul I***
*** *** ***

We will reach out to the customer to understand what the complaint is about. We have no record of a Revdex.com initial complaint and take these matters very seriously. I will respond with the outcome once known. regards,James S** ***

Dear Mr*** ***: Thank you for allowing BMW Financial Services the opportunity to respond to your recent complaint submitted through the Revdex.com regarding your account statusWe hope the following information and explanation will assist you. Our records indicate we
responded to your previous requests as follows: Your dispute dated April 30, was responded to on May 11, 2016.Your dispute dated May 18, was responded to on May 23, 2016.Your dispute dated August 1, was responded to on August 11, 2016.Your dispute dated August 27, was responded to on September 9, 2016. We have enclosed copies of these responses for your reviewAdditionally, we responded to three separate letters we identified as having been sent by credit repair organizations on your behalf on July 27, 2016; May 26, 2016; and April 19, We have also responded to numerous indirect disputes submitted directly through the credit reporting agenciesWe have reported your account with a Compliance Condition Code of “XC” or “Completed investigation of FCRA dispute, consumer disagrees” since June 2016. Mr*** ***, your correspondence advises we never verified your accountEnclosed with the August 11, response was a copy of your transaction statement, detailing your payment history with us; and a copy of your Motor Vehicle Lease Agreement (Lease Agreement), confirming the terms and conditions of your financing with usThese documents confirmed your obligation to BMW Financial Services Your correspondence also advised we never provided you with proper notification regarding the insertion of negative listings on your credit reportWe have enclosed a copy of your most recent Account Statement for your reviewOn the back of each monthly Account Statement provided is the “Notice to consumer about negative credit reporting,” detailing negative credit reporting may be submitted to the credit reporting agencies if your account were to go into default. Our records reflect the vehicle was turned in on April 14, with the February 14, and March 14, due dates unpaidYour account has a remaining balance of $2,which needs to be paid to satisfy your account. If you have any questions, please contact a Recovery Agent at ###-###-####, Monday through Thursday, from 9:a.mto 9:p.mET, and Friday from 9:00a.mto 6:p.mET, or by mail at either address listed on this letter. Yours sincerely, Michael *** Credit Dispute Specialist BMW Financial Services

Dear Ms***: Thank you for giving us the opportunity to address your concerns regarding your vehicle return options through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint Ms
***, we can confirm that on December 14, 2015, you were provided with a Military Travel ChecklistThe checklist provided outlines the documentation required to review retail loan accounts for eligibility to take a vehicle overseas; however, it does not guarantee approvalAccording to our records, no further information was provided to confirm you were approved to ship the vehicle to GermanyFurthermore, Section of your Motor Vehicle Lease Agreement (Lease Agreement) states, “I agree not to use (or permit others to use) the Vehicle… (c) outside the United States, except for less than days in Canada.” Because your Lease Agreement does not allow for vehicle use outside of the United States and Canada, we cannot accommodate your request to take the vehicle to Germany and return the vehicle to a German BMW retailer Alternatively, to fulfil your contractual obligation, you have the option to transfer the lease to a qualified third party, complete the Early Termination process as outlined in Section of your Lease Agreement, or buy, sell or tuthe vehicle for the contractual payoff amountThough we cannot accommodate your request to turn in the vehicle without paying the Early Termination liability, we offered a $credit on your account to be used toward any of the above referenced processes as a courtesy Additionally, we can confirm your account was paid in full and closed on September 22, This assumes that all payments posted to your account were made with good funds, were valid, and were not applied to your account in errorIn accordance with the terms of Lease, you are liable to pay any fines, official fees, taxes and/or additional charges billed by your state, province, county or locality that were not assessed or billed to your account as of the date your account was closed Ms***, BMW Financial Services prides itself in offering premium customer serviceWe sincerely apologize for any inconvenience or frustration you experienced during your recent interactions with our associates We are committed to providing you with the highest level of serviceIf you have any questions, please contact me, Jennifer N*** at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letterYours sincerely, Jennifer N*** Senior Account Specialist BMW Financial Services NA, LLC enclosure: Lease Agreement

Dear Mr***: Thank you for giving us the opportunity to address your concerns regarding your refund through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint Mr***, our records
indicate the payoff received was made with non-certified funds, resulting in a business day hold on the release of the title and any refunds owedThis hold allows BMW Financial Services to ensure the funds have cleared and the payment has not returned before releasing our interest in the vehicle or any refunds owedWe sincerely apologize for any inconvenience caused by the delay in the receipt of your refund. The refund was sent to our bank on April 27, for deposit into your bank account ending in This can take up to five business days to deposit into your account We are committed to providing you with the highest level of serviceIf you have any questions, please contact a Customer Service Advocate at (800) 578-5000, Monday through Thursday from 9:a.mto 9:p.mand Friday from 9:a.mto 6:p.m.ET, or by mail at either address listed on this letter Yours sincerely, Natalie S*** Senior Account Specialist BMW Financial Services NA, LLC

Dear Mr***:
Thank you for allowing BMW Financial Services the opportunity to address your issue regarding your payment credit and service provided through the Revdex.com complaint processWe hope the following information and explanation will answer the request addressed
in your complaint
We understand the basis of your complaint is to request a refund which is the equivalent of a second promotional credit not included in a payoff check issued to BMW Financial ServicesPromotional payment credits applied to a consumer’s account by BMW Financial Services are customer loyalty rewards for a consumer who finances the purchase of a Vehicle with BMW Financial ServicesAs part of BMW Financial Services providing promotional credits, a Payment Credit Acknowledgement agreement is signed so the consumer is aware of the terms and conditions of this programThis document details that, “If the retail installment contract for this vehicle is prepaid in full… any payment credit that has not yet been posted to the customer’s account may be automatically forfeited and canceled at the discretion of BMW Financial Services.” Please find enclosed a copy of the signed acknowledgement. We are unable to accommodate your request for a refund of $
Mr***, BMW Financial Services views any check received as a remitted in good faith with good funds, and will attempt to cash said paymentOur payment processing center is not in the position to stop or prevent a received check from being cashedThe payment facility referenced in your complaint is a lockbox processing center that facilitates the processing of payoff checks and documents on our behalfAs such, there is no direct contact with this processing center for our customersAny questions or concerns regarding payments or the payoff of an account would be handled by BMW Financial Services directly
If you have any questions, please contact me, Kyle C*** 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: I kept in contact through out all the difficultiesSam and Marcella at BMW FInancial services explicitly told me and my case managers at the homeless shelters, the Unemployment offices and the police who verified my situation that there NOT be a report and a mark on my credit due to my situation AND because the pavement was coming from the unemployment offices AND because I had always made payments on time and told them about my situation in a timely manner. I have done further research to see that BMW Financial Services has a history of wrongfully penalizing customers. Moreover all the correspondence I sent in to then at that time was not accounted for as I was toldI sent in more documentation to them in December and March I was told I would receive confirmation from themThey did not respondI contacted them via their online secure message center and they did not respondI was also told at that the contract says in hard Financial situations there is more than a grace period given and a one time forgivenessI was not offered any of this and even till this day BMW Financial Services has denied me refinancing the carI have warned everyone I know ***r to buy a BMWWhat was supposed to have been a dream car experience for me has turned out to be a nightmare because their employees are dishonest

Dear Mr***:Thank you for giving us the opportunity to address your concerns regarding your recent experience through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint.We understand from your
complaint you contacted us by telephone to request a Move Packet as you have recently moved to CaliforniaFollowing your initial phone call you did not receive the Move Packet, but instead have received correspondence for another individual.After researching your concerns and account history we are able to determine a user error resulted in your address being incorrectly updated and associated with another customer’s accountAs referenced in your complaint, this resulted in you incorrectly receiving recent correspondence intended for another partyWe are able to confirm this error has since been corrected, and you should no longer be receiving any incorrect correspondence that is sent after the date of this correspondenceAdditionally, we are contacting the other party regarding this matterWe have enclosed a pre-paid Federal Express envelope, and request you return any items you have received in errorAdditionally, a Move Packet for your above referenced account sent via Federal Express to ensure delivery of the correspondenceThe Federal Express tacking number shows the item was delivered on September 28, 2016.Mr***, BMW Financial Services prides itself in offering premium customer serviceWe sincerely apologize for any frustration this error may have caused, and not providing you with the level of customer service you expect and deserveOur customers’ privacy is of paramount concern to us, and something we take very seriouslyWe value your feedback and the opportunity to improve our service, so issues such as those you experienced do not recur.We are committed to providing you with the highest level of serviceIf you have any questions, please contact me, Kyle C*** at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letter.Yours sincerely,Kyle C*** Senior Account SpecialistBMW Financial Services NA, LLCenclosure: Pre-paid Federal Express envelope

Dear *** ***: Thank you for allowing BMW Financial Services the opportunity to respond to your recent complaint 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. In an effort to resolve your request, we researched your account and verified your account was reported 30-days past due on one occasionThe payment due on January 29, was received days past due on February 28, *** ***, payments are reported as delinquent if they reach or more calendar days past their intended due dateAs a Data Furnisher, we are required to report payment histories pursuant to the guidelines provided by the *** *** *** *** *** *** ** *** ***Under those guidelines, an account is considered "Current" only if it is 0-days past due from the payment due dateBecause we have no evidence indicating our reporting is not accurate, we are unable to accommodate your request to remove the delinquency from your credit reportAs a result of your dispute, we will be providing an update to the credit reporting agencies to reflect the results of our investigation. In reviewing your payment history, it appears you are consistently paying beyond your grace period resulting in late charges being assessed to your accountYour account is eligible for a payment deferment, which could help to bring your account current by deferring a payment to the end of your contract periodIf you have any questions, or would like more information regarding deferments, please contact a Customer Service Advocate at ###-###-####, 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, M*** ***Credit Dispute SpecialistBMW Financial Services NA, LLCTell us why here

Dear Ms***: Thank you for giving up2drive the opportunity to address your issue regarding the inquiry appearing on your credit report through the Revdex.com (Revdex.com) complaint processWe hope the following information and explanation will answer the issues addressed in your complaint Ms***, we regret to learn of your experience with the app you recently usedOur records indicate we received an application for new financing in your name on July 9, through lendingtree.comFor information regarding the application process through ***.com, we recommend you contact them directly As a financial services provider, we are unable to subjectively remove or change accurate information we have reported to the credit reporting agenciesUnfortunately, we are unable to accommodate your request to remove the inquiry appearing on your credit report Yours sincerely, Allison C*** Customer Correspondence Specialist up2drive

Dear MrR***: Thank you for giving BMW Financial Services the opportunity to address your concerns regarding your BMW Lease Protection Limited Waiver Addendum through the Revdex.com complaint processWe hope the following information and explanation will answer the issues
addressed in your complaint We received notification on February 1, both tires listed on the initial Notice and Invoice for Excess Wear and Tear are being covered by your BMW Lease Protection policyYou can expect to receive a revised statement reflecting a balance of $for the Disposition Fee and applicable state and local taxes within seven business days of the date of this letter, in a separate mailingWe hope you find this resolution satisfactory We are committed to providing you with the highest level of serviceIf you have any questions, please contact us at ###-###-####, Monday through Thursday, from 9:a.mto 9:p.mET, and Friday, from 9:a.mto 6:p.mETYours sincerely, *** ***
*** *** ** *** ***
*** *** *** *** *** c: Central Ohio Revdex.com

BMW is telling you the same info they told me but continued to rack up extra costThey say the payment was processed on the 27th but backdated to the 20thThe email I got from them says they recieved the payment on the 20th but FedX tracking shows they recieved it on the 18th, the day before it should have been reported as lateI have been told that since the payment was recieved on the 20th, an extra $was being tacked on for a reason I never understoodThis amount was later raised by $4,So you see, there are too many inconsistencies to believe what BMW saysI would like a letter from BMW with the correct date stated on when the payoff was recieved, the 18th according to FedX

Hello, Here are links you requested to lawyers websites I have conferred with(also attached):http://carreonandassociates.com/repossession/heading- taking your carhttp://www.lectlaw.com/files/cos18.htmheading- seizing your car//books.google.com/books?id=0z7bwplo5QQC&pg=PA127&lpg=PA127&dq=repossession+i...⇄ you

Dear Mr***:
Thank you for allowing BMW Financial Services (“BMW FS”) the opportunity to respond to your recent complaint regarding how we are reporting your payment history to the credit reporting agencies through the Revdex.com complaint process and through the Consumer
Financial Protection Bureau (“CFPB”)
Upon receipt of your complaint, we reviewed our account records and confirmed that you have never requested to be enrolled in EasyPay with BMW FSBased on the payments we received, you may have been signed up for a bill pay service at your bank. If this was the case, you will need to inquire with your bank as to why the payment was not made on time
According to our records, your account is reporting accurately based on your payment history with us. As stated in your complaint, you made the payment days late in December due to an auto pay service. This is the only delinquency we are reporting. We have confirmed that Experian is reporting the account correctly. Equifax is not reporting the delinquency in the payment history and TransUnion has suppressed the account from your credit report. BMW FS reports information to all the credit reporting agencies based on an industry standard format. We do not have any control over how the credit reporting agencies display the information on a consumer’s credit report
The Fair Credit Reporting Act requires that the information provided by BMW Financial Services be accurateAccordingly, BMW Financial Services does not instruct the credit bureaus to remove derogatory information unless our reporting of that information is inaccurate
If you have any questions, please contact me, *** *** at ###-###-####, Monday through Friday, from 9:a.mto 5:p.mET, or by mail at either address listed on this letter

Dear MrBryan:Thank you for giving us the opportunity to address your concerns through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint.Our records indicate we were first notified your referenced
vehicle was deemed a total loss on November 18, At the time of that conversation, the settlement offer submitted by your insurance company, ***, was short of the total payoff dueIn order to obtain a mutually agreeable and accurate settlement, we sent *** a full options list to ensure they included all vehicle options on the evaluation we requested from them before we would be able to process the letter of guarantee. Our records indicate we next spoke with *** on December 14, 2016, and resent the options list to them upon their requestAt that time, we again requested an updated evaluation, which we did not receive until December 22, We reviewed their evaluation and sent the letter of guarantee on January 5, Our processing time for the evaluations is five business days, and because this was delayed to business days, we have agreed to waive the late fee from the December 24, paymentAfter sending the letter of guarantee to ***, we received their payoff on January 9, 2017, and it was applied as effective as of that dateDuring this time, in accordance with the terms of your Retail Installment Contract (Contract), you are responsible to have maintained your monthly payments until the payoff was received and applied. Subsequently, we have received a payment from your GAP administrator, *** *** ***Their payment was not sufficient to cover the balance owed after the insurance settlement was applied to your total payoffThe remaining balance less the late fee is $ If you wish to discuss the payment Safe-Guard has issued, please contact them directly at ###-###-####. BMW Financial Services prides itself in offering premium customer serviceWe regret to learn your recent experience did not meet your expectationsAlthough we empathize with your situation, we are unable to accommodate your request to remove the remaining balance billed to your referenced account. We are committed to providing you with the highest level of serviceIf you have any questions, please contact me, *** *** at ###-###-####, Monday through Friday from 9:a.mto 6:p.mET or by mail at either address listed on this letter.Yours sincerely, *** ***
*** ***BMW Financial Services NA, LLC

Of course your "accounts indicate a conversationThat is the same day my complaint was filedYet, this "fee" wasn't explained to me when I made my large payment on 3/26/Why did BMW not let me know of this fee then? It is again difficult for hundreds of dollars in "fees" to come up months laterI wish BMW would have let me know then to anticipate that costMaybe you should train your team to let people know that moving forward

The dealer is unable to alter or change the contract, a separate Revdex.com complaint was filed directly against it, also unresolved The only party able to alter or change the contract/terms would be BMW Financial Services, they previously stated I had accepted terms negotiated with dealerHowever, this is not true as the terms were for down, not The sales manager, Elias, was interested in pocketing the 1k difference for himselfHis words were, you're putting down but it will only show and to give him 1k in cash for himself Unless the contract is changed to show down, I have the 1k available, then please consider this complaint as unresolved

It is somewhat concerning to me that it has taken BMW this long to "review [its] internal system records." This has been ongoing for more than a year & this is the first alleged deep dive into the situation? Unacceptable. It is my opinion that the details that were shared by BMW in their latest Revdex.com correspondence is not only misleading but false. I maintain that at no point did the BMW automated phone system indicate that I was past due. The amount due was detailed, which was the same as was currently due (my monthly amount of around $650). It was not clear from the telephone system that a payment was due. The reason that no payment was made is because there was none indicated that was due at that time, or that I was in arrears in any wayThe fact that you are stating as FACT "what I heard" is misleading and flat out erroneous. You have no idea what I heard on your systemI maintain that your telephone system did not indicate that a payment was missed or owedYour statement that you left voice messages is also erroneous - 1) I received no messages & 2) your own customer service representative indicated that he was "surprised to see that no calls were made to me." Your assertion that phone calls were made / messages were left is not only erroneous, but contrary to the information received by your own customer service representativeI maintain that no telephone calls were made by BMW to inform me of the missed paymentAs for the remedy to the erroneously missed payment, as soon as I was able to verify that 1) the deficiency was in fact accurate & 2) that it was not due to bank error, it was remedied in the method that was RECOMMENDED BY YOUR CUSTOMER SERVICE REPRESENTATIVEI maintain that again, I did what was necessary, recommended & right to remedy a situation that was originated by a poor BMW auto pay systemDebt collection laws require that reasonable notice be given to debtors. The same applies when such deficiencies are reported to credit bureaus. I maintain that I was not properly informed of a missed payment; that BMW did not utilize reasonable debt deficiency information avenues. Further, that missed payment was due to a deficiency in the BMW auto pay system. Again, I decline BMW's response & maintain my original position. It is time that BMW do what is right, fair, just & in line with fair debt collection practices. Remove the erroneous hits from my credit report