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I am rejecting this response because it was not on my monthly statements so how was I to know I owed this charge. This contract has small print. I 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 the credit inquiry through the Revdex.com complaint process. We hope that the following information and explanation will answer the issue addressed in your complaint.
 
Our records reflect the...

following inquiry made on your behalf:
 
Customer Name Submitted: [redacted]
Application Address: [redacted]
Application City, State Zip: Atlanta GA 30345
Ref No: [redacted]
Date Submitted: 03/07/2015
Bureau Code: **
Submitting Retailer: up2Drive-DLR not selected
 
If you did not visit a dealership or authorize a credit application through an online process, please contact the credit reporting agencies listed below to have your claim investigated. This letter can be submitted along with your claim as supplementary documentation.
 
Equifax
Experian
TransUnion
PO Box 740256
PO Box 4500
PO Box 2000
Atlanta GA  30348
Allen TX  75013
Chester PA  19022
www.equifax.com
www.experian.com
www.transunion.com
(800) 685-1111
(888) 397-3742
(800) 888-4213
 
Yours sincerely,

Dear Mr. [redacted]:   Thank you for giving us the opportunity to address your issue regarding excess wear and use of your vehicle through the Revdex.com complaint process. We hope the following information and explanation will answer the issues address in your complaint.   Mr....

[redacted], our records indicate that the vehicle was returned on January 29, 2016 and then inspected by a licensed inspector with the company [redacted] Atlanta. In your letter you mentioned that the tires had been replaced before the vehicle was returned. The inspection done after the return of the vehicle indicated that the right front tire and the right rear tire are worn. Section 35 of your Lease lists examples of what is considered excessive wear and use, including tires with read depth of less than 4/32” remaining at the shallowest point. According to the inspection report the left front tire measured below 3/32” and the left rear tire measured right at 3/32”.   After reading your letter and reviewing the account, we feel the charges are fair, valid, and should not be waived.           If you have any questions, please contact me, Tyler M[redacted] 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, Tyler M[redacted]  End of Term Specialist  BMW Financial Services NA, LLC

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 above. they kept the car for 2 months. when I asked them to give the car back, they refused. I would have got it fixed elsewhere. they kept saying 2 more weeks, then after 2 weeks went by, they said 2 more weeks, then 2  more weeks,. eventually  it became 2 months. when they said the car was ready, they said they could not give it to my till they got their payment. they said till we get our money, we cannot give you the back. they initially charged my car insurance company $4,000 then $6,000. they charged $21,000+ to fix the car. I went through torture with this shop for 2 months. I am definitely going to file a complaint against them as well.thanks[redacted]

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.

Dear Mr. [redacted]:   Thank you for giving us the opportunity to address the remaining balance on your account through the Revdex.com complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.   As a result of our...

review prompted by your complaint, we have closed your account with a $0.00 balance owed to BMW Financial Services. Additionally, we have updated our reporting to the credit reporting agencies to reflect payments on your account were received 30 or more days past due zero times.   Typically it takes the credit reporting agencies no longer than five business days to update their records upon receipt of our update. We ask customers to refrain from submitting direct disputes with the credit reporting agencies to prevent any delay with our update and to allow up to 30 days for all of the credit reporting agencies to change the information in their systems. If you need assistance with any lending institution while 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.   We are committed to providing you with the highest level of service. If you have any questions, please contact us at ###-###-####, Monday through Friday, from 9:00 a.m. to 6:00 p.m. ET. Yours sincerely,  Jessica H[redacted] Recovery Specialist BMW Financial Services NA, LLC

Dear Ms. [redacted]: 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 process. We hope the following information and explanation will answer the issues addressed in your...

complaint. We 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 vehicle. Unfortunately, returning the vehicle under the mileage assessed in your Lease does not negate the overdue service. Although 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 charge. We are committed to providing you with the highest level of service. If you have any questions, please contact us at ###-###-####, Monday through Friday, from 9:00 a.m. to 9:00pm p.m. ET, or by mail at either address listed on this letter. Yours sincerely, Brice S[redacted] Early End of Term Specialist MINI Financial Services NA, LLC

Thank you for allowing BMW Financial Services to respond to your recent complaint submitted through the Revdex.com regarding how we have reported your payment history to the credit reporting agencies. We hope the following information and explanation will answer your request.First, we...

were sorry to learn you were unaware of your past due account status. Our records indicate past due emails were sent to [redacted]@utas.utc.com, which was the email address provided on your signed credit application.BMW Financial Services is committed to reporting account information to the credit reporting agencies regarding the payment experience we have with our customers. In an effort to resolve your request, we researched your account and verified four payments were received 30-59 days past due.- The payment due July 11, 2015 was received 31 days past due on August 11, 2015 and posted through our automated telephone system.- The payment due August 11, 2015 was received 31 days past due on September 11, 2015 and was posted through your My BMW online account.- The payment due September 11, 2015 was received 30 days past due on October 11, 2015 and was posted through EasyPay.- The payment due October 11, 2015 was received 31 days past due on November 11, 2015 and was posted through EasyPay. Ms. [redacted], after posting your past due payment on September 11, 2015, you enrolled in EasyPay with an elected start date of October 11, 2015. Upon confirming your enrollment you were advised to make arrangements to pay any outstanding balance to prevent your account from becoming past due. In addition to providing an EasyPay confirmation page to print for your records, an email confirming your elected start date of October 11, 2015 was sent to [redacted]@utas.utc.com. You again accessed your My BMW online account on September 15, 2015; however, you did not post a payment. Your payment due September 11, 2015 was ultimately satisfied by your first EasyPay payment on October 11, 2015. 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 financial services provider we are required to report payment histories pursuant to established guidelines. Because we have no evidence indicating our reporting of your account is not accurate, we are unable to accommodate your request to remove any delinquencies from your credit report.    If you have any questions, please contact me, Paul I[redacted] at ###-###-####, Monday through Friday, from 8:30 a.m. to 5:30 p.m. ET, or by mail at either address listed on this letter.Yours sincerely,Paul I[redacted]Senior Account Specialist BMW Financial Services NA, LLC

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 process. We hope the following information and explanation will answer the issues addressed in...

your complaint.
Mr. [redacted], thank you for bringing this matter to our attention. We regret we were unable to resolve your concerns when we first spoke with you. Unfortunately, a clerical error resulted in the merging of your information with another customer’s information. As a result of your previous conversations with BMW Financial Services, a request to delete your association with account [redacted] was submitted to [redacted], and [redacted].
We ask customers to allow approximately 30 to 60 days for all of the credit reporting agencies to change the information in their systems. If you need assistance with any lending institution while your file is being updated by the credit reporting agencies, they may send a credit verification request by fax to (800) 820-4269. Please include your signed authorization with their request.
We sincerely apologize for inaccurately reporting your account history. BMW Financial Services takes privacy very seriously, and has in place a range of policies and procedures to ensure that personal information is managed properly. We value your feedback and the opportunity to improve our service, so that issues such as those you experienced do not recur. As a gesture of goodwill, a credit of $262.86 was applied to your account on September 17, 2015. Additionally, we issued a $150.00 check to your billing address to cover the cost of enrollment in a credit monitoring service. Please allow seven to ten business days to receive your check through the mail.
We are committed to providing you with the highest level of service. If you have any questions, please contact me, Paul I[redacted] at (800) 578-5000, Monday through Friday, from 9:00 a.m. to 5:30 p.m. ET, or by mail at either address listed on this letter.

Dear Dr. [redacted]:
Thank you for giving us the
opportunity to address your issue regarding your end of lease charges through
the Revdex.com complaint process. We hope the following information
and explanation will answer the issues addressed in your complaint.
Dr....

[redacted], we regret to
learn your leased vehicle was not functioning properly. BMW Financial Services
NA, LLC is a separate and independent financing entity from the manufacturer,
BMW of North America, LLC. As the financial services division of BMW Group, we
are not in a position to agree to grant concessions based on the performance of
your vehicle; we can only address issues dealing with your Motor Vehicle Lease
Agreement (Lease) or your account with us. All 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, LLC. You may contact the
Customer Relations department at BMW of North America directly at (800)
831-1117.
Your complaint states you have
not received a response to previous requests you made to us. Dr. [redacted], we
have no record of receipt of any requests to discuss the end of lease charges
with you until receiving your complaint through the Revdex.com. The
only record we have of contact with you occurred on April 15, 2016 when you
spoke with one of our representatives and requested to know the length of time
you were allotted to remit payment for the end of lease charges.
Pursuant to the terms of your
Lease, specifically Section 35, you agreed to pay for any costs related to
excessive wear and use. This 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 work. As you can
see from the enclosed inspection report, the items you are being charged are in
stipulated in your Lease.
Excess wear and tear charges
are determined by the size of the damage. Normal wear and tear is designated as
damages that measure smaller than two inches. Damage that is larger than two
inches but smaller than four inches is considered small and billed at $100.00
per instance. Damage that measures four inches or more is considered large and
billed $400.00 per instance. According to the inspection there was damage to
the front bumper of the vehicle. 
To maintain the vehicle’s
safety and performance, BMW recommends tire tread depth be at least 5/32’, but
does allow the tread to be at 4/32’ at lease turn-in. To be considered
road-worthy, tire tread depth, in most states, must be a minimum of 3/32’ deep
and is considered legally worn at 2/32’ depth. Any measurement lower than 4/32’
or 1/8”, is considered excess wear and tear by BMW Financial Services as
discussed in Section 22 and 35 of your Lease. Because of all four of the tires
on the vehicle had less than 4/23’ of tread remaining at the time the vehicle
was returned, you were billed $1,200.00.
The Excess Mileage Charge of
$52.80 was assessed because the vehicle was returned with 45,279 miles; 264
over the contractually allowed miles. Excess mileage is billed at $.20 per mile
in accordance with your Lease.
The amount of the disposition
fee is disclosed in Section 7 and further discussed in sections 32 and 33 of
your Lease. The fee helps cover the costs incurred in transporting the vehicle
to an auction, preparing it for sale and paying the auction fees. As 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 lease.    
BMW Financial Services prides
itself in offering premium customer service. We regret your lease end
experience did not meet your expectations and are sorry for the inconveniences
you endured during the term of your lease. We have removed the $400.00 front
bumper charge, plus applicable tax, as a courtesy to you. The removal of the
$400.00 front bumper charge reduced your account balance to $1,747.05.
Unfortunately, the mechanical
and service issues you experienced do not negate the valid charges assessed to
accordance with the terms of your Lease. To close your account, please direct
your payment (including your account number in the memo section of the check)
for $1,747.05 to:
BMW
Financial Services
PO
Box 78103
Phoenix
AZ  85062
   
If you
have any questions, or would like to remit payment over the telephone, please
contact me, Matthew W[redacted] at (800) 398-3939, Monday through Friday, from 9:00 a.m. to 6:00
p.m. ET, or by
mail at either address listed on this letter.
Yours
sincerely,
     
Matt W[redacted]
Lease–End Portfolio Specialist
BMW Financial Services NA, LLC
enclosure: inspection

Please find attached the document you have requested.

I am rejecting this response because:Regards,
[redacted]Hello, I reviewed the information and BMW told a lap as as. According to their action plan letter they stated that I paid my car-note for the month of December 2016 on the 25th. According to my statement and BMW invoice it was pay on December 23th which makes it the 29th day. They also stated that I paid my January payment on the 25th and that's a lie. According to my invoice I paid my car-note on the 24th day of January.  If you read my statement as I mention before it was only late fee as the count as the car-note. On February 24th I paid my car-note before it hit the 25th day, but they did not put that on their and they want it to look like a miss payment....   My April car note is due on the 25th of April which is the total amount of 441.52, therefore they are trying to make my character look bad as if my car-note for April is not paid. On 4/14/2017, I made 800.00 out to BMW and now I'm left 441.25 which is due on the 25th of April. I have a copy of my credit report which shows that my account is in good standing and paid as agree.  They retro-acted my credit report to due damage. Si if you look at my data and their who are the lair. Please review attached documents..  According to fair debt collection since they accepted my payments the agreed to the terms.... Please Review Policies also

Dear **. [redacted]:   Thank you for giving BMW Financial Services the opportunity to respond to your complaint regarding the tire charges...

assessed to your referenced account through the Revdex.com complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.   Our records confirm you spoke with one of our representatives on March 21, 2017 and discussed the two AutoVIN inspection reports you received, one with a billing of $0.00 and one billing you $1,200.00. As our representative advised, the inspection report issued to you reflecting $0.00 was a result of an AutoVIN error and AutoVIN rectified their mistake by sending you the correct inspection report, billing a total of $1,200.00 for three worn tires.   As a gesture of appreciation for your understanding of the error, we removed one tire charge of $400.00. However, as is stated on the AutoVIN inspection reports you received, the inspection report, “is not a bill. Your final excess wear-and-use charges will be determined based on the condition of your vehicle at the time it is turned in to a BMW center.”   Pursuant to the terms of your Motor Vehicle Lease Agreement (Lease Agreement) you agree to pay for Excess Wear and Use based on our definitions of Excess Wear and Use in Section 35. In this section, worn tires are defined as “tires with tread depth of less than 1/8” remaining at the shallowest point, and/or tires that are not of the same grade, quantity or quality as those delivered with the Vehicle.” Accordingly, we are unable to accommodate your request to remove the remaining tire charges assessed in accordance with the terms of your Lease Agreement.   We are committed to providing our customers 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. Yours sincerely,   Brice S[redacted] Early End of Term Specialist BMW Financial Services NA, LLC

Dear Mr. [redacted]:
 
Thank you for allowing BMW Financial Services the opportunity to address your most recent concerns regarding your payment credit and service provided through the Revdex.com complaint process. We hope the following information and explanation will fully address the request in your complaint.
 
Mr. [redacted], we are sorry to hear your experience and the customer service you received did not meet your expectations. We reviewed your account records based upon your allegations in your rebuttal. We do show where you contacted our offices multiple times on July 13 reaching different associates with the same question that day as well as on July 14, July 15, July 26, July 27, and July 29. We consistently provided you with the same response, including the need for you to work with your bank to stop payment on your payoff check.
 
Ultimately, the promotional payment credits are in place as a loyalty reward to finance the purchase of your vehicle with BMW Financial Services. Although we do not assess an early payoff penalty for payoffs received prior to your scheduled maturity date, if you are no longer financing your vehicle with BMW Financial Services due to an early payoff, you would no longer qualify for any remaining rewards.  While we can appreciate your stance and rejection of our previous response, and understand you do not agree with our position, our business decision remains unchanged.
 
If you have any questions, please contact me, Kyle C[redacted] at ###-###-####, Monday through Friday, from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address listed on this letter.

Thank you for giving us the opportunity to address your refinance request for the above referenced account through the Revdex.com complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.
Ms. [redacted], we would like...

to clarify you did qualify for a $13,000.00 loan from up2drive. However, as disclosed on page 2 of our eligibility guide documents we are only able to extend financing at 110% of a vehicle’s Kelly Blue Book Retail Value (kbb.com). We have enclosed a copy of page 2 of our eligibility guide for your review.
The payoff necessary to refinance your 2011 Nissan Versa constituted 174% of the vehicle’s KBB value and up2drive was only able to offer financing of $8,687.25 for your above referenced refinance. We apologize for any confusion or frustration this clarification may have caused, but we are not able to accommodate your request to refinance your vehicle.
If you have any questions, please contact me, Marshall B[redacted] at (877) 982-3748, Monday through Friday, from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address listed on this letter.
 
enclosure: page 2 of the up2drive eligibility guide

Dear Ms. [redacted]:   Thank you for providing [redacted] the opportunity to address your dispute regarding the application we received for new financing in your name through the Revdex.com complaint process. We hope that the following information and explanation will answer the issues...

addressed in your complaint.   Your complaint states you contacted [redacted] regarding the inquiry appearing on your credit report and an account you claim was established as a result of a recent application in your name. We have no record of any contact with you directly prior to receiving your complaint.   Ms. [redacted], our records confirm your information was submitted to [redacted] on March 27, 2017 through [redacted]. For more information regarding the application process through [redacted], we recommend contacting them directly. The application for new financing was not approved and no account was established as a result of this application.   Consistent with our obligations as a financial services provider, we are unable to remove or change accurate information we have reported to the credit reporting agencies. As we do not have evidence the application was submitted without your consent, 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 request. To proceed with our investigation, we request you complete and sign the enclosed Fraud Affidavit (Affidavit) in the presence of a notary public. Please 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 [redacted] at the address listed below:   [redacted] ATTN: Collections Department [redacted] OH  [redacted]   Yours sincerely,       Allison C[redacted] Customer Correspondence Specialist [redacted]   enclosure: Affidavit

Dear Mr. [redacted]:   Thank you for giving us the opportunity to address your concerns regarding the amortization of your account through the Revdex.com complaint process. We hope the following information will answer the issues addressed in your complaint.   Mr....

[redacted], we understand your concern regarding the amount of interest paid. In order to fully assist, we would first like to explain the way in which interest accrues. Your Retail Installment Contract (Contract) functions as a simple interest account. The per diem (daily interest) of interest that accrues is calculated as a daily rate, and is based on your remaining principal balance and Annual Percentage Rate (APR) on your Contract. Therefore, as your principal balance decreases, the per diem of interest accruing also decreases. Based on the description of the way your Contract functions, when we receive a payment for your account, it is first credited to the accrued daily interest since your last payment was made, and then to the remaining principal balance.   We can confirm, due to an internal system error, each payment you submitted after June 23, 2016, was incorrectly applied only to interest accrual. As a result, the payoff amount did not lower with any of the payments you submitted. This error has been corrected as of March 6, 2017, when you called and spoke with our Customer Service department. We apologize for any inconvenience we may have caused. After correcting the error, each payment now accurately reflects the appropriate amount of accrued interest between payments, and reflects the amount applied to the remaining principal balance. We have enclosed a copy of your Amortization Schedule for your convenience.   Mr. [redacted], up2drive prides itself in offering premium customer service. Although we are unable to provide you compensation as requested, we greatly value your feedback. We sincerely apologize for any frustration this experience may have caused, and if we did not provide you with the level of customer service you expect and deserve. If you have any questions, please contact me, Chelsea W[redacted], at ###-###-####, Monday through Friday, from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address listed on this letter.   Yours sincerely,       Chelsea W[redacted] Senior Account Specialist up2drive   enclosure:          Amortization schedule

I was told on 10/14  I could make a payment and they would dfer two payment so my next payment will be nov-16thI got an email this morning  saying im 2 payments past due,I go into my online account and  i see this :I wasnt told I needed to sign or click something [redacted]...

###-###-####  MINI MESSAGE CENTER> RETURN TO INBOXDATE: 10/14/2016 5:09 PMACCOUNT: [redacted]SUBJECT: Payment Deferral Agreement [redacted]8 / 2012 MINI Cooper HardtopPayment DeferralDear Mr. [redacted]As a result of your recent contact, MINI Financial Services has agreed to offer a payment deferral on your account. As discussed, please click below to sign this Payment Deferral Agreement (Agreement). The payment deferral will not be effective until all parties have signed the Agreement and will automatically expire on October 31, 2016 if not executed. Please read the Agreement carefully, as it explains the payment deferral process and how it affects your future payment schedule and finance charges.Click HERE to begin.-- [redacted]

I am rejecting this response because:Again, BMW does not want to take responsibility for their errors and omissions. They are also being spiteful l that I did not lease another BMW product from their company. I will be retaining legal council to sue BMW Financial Services for damages.
Regards,
[redacted]

1) My address is consistent with my Affidavit and driver's license.  My previous statement is true and correct, which was a key reason you have refused to remove the alleged account from my credit report.  2)I find it unfair and unethical, that you have not provided, nor shown in your investigation another alleged driver's license you claim there is.  Of course you cannot produce it, because it does not exist.   You have not fully explained the inconsistency with the addresses. 3) You have not fully disclosed the full account numbers to this alleged account in question.  4) Finally, as you have correctly stated I owe BMW nothing.  5)  The account on my credit report I am totally not familiar with.  6) If you do not wish my future business consider it done.  But, the error has to be corrected by being removed.  That can be the only remedy.
Regards,
[redacted]