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Dear Mr. [redacted]:
Thank you for your letter regarding how we have reported your payment history to the credit reporting agencies. We hope the following information and explanation will answer the request addressed in your letter.
We regret to learn of your medical issues. We hope this issues are...

behind you and you are doing well.
   
BMW Financial Services prides itself in offering premium customer service. We sincerely apologize for not providing you with the level of customer service you expect and deserve when contacting our offices. We value your feedback and the opportunity to improve our service, so that issues such as those that you experienced do not recur.  We have addressed the issue you described with our collections area.
We are 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 two payments were received 30 or more days past due. The following payments were received in excess of 29 days past due:
–         The payment due on July 30, 2015 was received 30 days past due on August 29, 2015.
–         The payment due on August 30, 2015 was received 30 days past due on September 29, 2015.
Mr. [redacted], we certainly understand how important credit reporting is to our customers. Your letter states your wife contacted BMW Financial Services while you were in the hospital. We have no record of telephone contact from your wife. We can confirm you contacted our office on July 27, 2015 and requested a payment deferral due to a financial hardship you were experiencing. During this conversation you were advised our lease agreements are not eligible for payment deferrals. Additionally, we can confirm we spoke with you again on July 29, 2015 regarding our due date change process. You were advised there are a maximum of three due date changes during the life of your contract, and that the due date cannot be changed more than once per twelve months. You were advised the due date change does not impact any installment that has already been billed, and there is a $25.00 fee associated with the due date change. You did not request to move forward with a due date change. 
We can confirm we attempted to notify you by email and telephone your payments had not been received. We spoke with you on September 29, 2015 regarding the delinquent August installment. During your conversation with our representative on September 29, 2015, you were advised the installment was 30 days past due, and you made the payment via your My BMW online account while speaking with our representative.
Your letter also states you have confirmation from your bank proving your payments were made on time. Mr. [redacted], the payment received in satisfaction on your July installment was processed through our automated telephone system. The payment was posted to your account immediately, and the transaction would have then been sent to your bank for processing. As previously indicated, the payment received in satisfaction of your August installment was posted via your My BMW online account. This payment was also posted to your account as soon as it was submitted. While the transactions may have taken up to five business days to clear your bank account, you were credited for the payments the instant they posted.
BMW Financial Services does not instruct the credit bureaus to remove derogatory information unless our reporting of the account information is inaccurate. In this case, the data BMW Financial Services furnished to the credit bureaus is accurate.
Although we empathize with your situation, as a financial services provider we are required to report payment histories pursuant to established guidelines. We have made the decision to report to the credit bureaus and must report all of our customers based upon the same criteria. Because we have no evidence indicating our reporting of your account is not accurate, we are unable to accommodate your request to remove the delinquencies from your credit report.
If you have any questions, please contact me, Kaylan L[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,
Kaylan L[redacted]
Senior Account Specialist
BMW Financial Services NA, LLC

Dear Mr. [redacted]: Thank you for allowing BMW Financial Services the opportunity to respond to your recent complaint submitted through the Revdex.com regarding your account status. We 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 as follows: The payment due September 30, 2016 was received 68 days past due on December 7, 2016.The payment due October 30, 2016 was received 38 days past due on December 7, 2016.The payment due December 30, 2016 was received 31 days past due on January 30, 2017.The payment due February 28, 2016 was received 30 days past due on March 30, 2017.   Additionally, as of the date of this latter, your payment due on March 30, 2016 is currently 13 days past due. Your account will continue to report late payments each month until the amount past due is paid in full. Mr. [redacted], our records show that new banking information was added to your account on August 23, 2016; however, this did not update your EasyPay information. The payment posted on September 30, 2016 through the EasyPay program was later returned for the bank reason “Account Closed,” which caused your automatic payments to be deactivated. We then attempted to contact you multiple times through both telephone and email. We finally spoke with you on December 6, 2016 regarding your past due balance for September 2016, October 2016, and November 2016, and you made payments through your My BMW online account to clear only September 2016 and October 2016. The November 2016 balance was not satisfied until December 29, 2016. You reactivated your EasyPay enrollment on December 29, 2016 through your My BMW online account with a start date of January 30, 2017. When your EasyPay was reactivated, your payment for December 30, 2016 was still due. As a financial services provider we are required to report payment histories pursuant to established guidelines. 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 Furnisher. If you have any questions, please contact me, Michael G[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, Michael G[redacted] Credit Dispute Specialist BMW Financial Services NA, LLC   c:  Revdex.com Serving Utah

Dear Mr. [redacted]:
Thank you for giving us another opportunity to address your issue regarding the repossession of the above referenced vehicle and 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 clarify our position.
   
We requested a review of the relevant statutes and case law prior to issuing our response to your original complaint. There is a precedent in residential mortgage lending; however, there is no case law in Arizona in the context of auto lending and implied acceptance. We have enclosed a copy of your Retail Installment Sale Contract (Contract), so you may refer to Section 3, regarding Defaulting on your Contract, and the actions we, as your lender, are entitled to take to resolve the default. Our position remains unchanged; in order to resolve the default of your Contract, we were entitled to repossess the vehicle.
Your complaint alleges inappropriate action on part of the agent that repossessed your vehicle, and the alleged actions resulted in damage to the vehicle. We have no record of any damage sustained during the repossession process. Your vehicle was repossessed by PAR North America. You may contact the repossession company directly to address these allegations. PAR North America can be reached at (480) 964-8306.
Your rejection of our response recent states your requests to speak to a supervisor were denied. Our records confirm you requested to speak with Jennie L[redacted], Collections Manager, with BMW Financial Services. You were told by multiple representatives that Ms. L[redacted] would be unable to assist with your request as she is with our Collections department. Following the repossession of your vehicle, any escalated concerns would be routed to our Repossession group. Additionally, our records confirm you were connected with our Repossession group on March 31, 2015 as they would be able to assist with your request. On April 1, 2015, you were connected with Ms. L[redacted]’s voicemail regarding your concerns. She returned your call on April 2, 2015.
Please contact our Recovery section to settle your outstanding balance at (800) 398-3939. Representatives are available Monday through Friday, from 9:00 a.m. to 9:00 p.m. ET.
Yours sincerely,
Kaylan L[redacted]
Senior Account Specialist
Alphera Financial Services
enclosure:           Contract

Dear Ms. [redacted]:   MINI Financial Services has received your most recent rejection regarding how we have reported your payment history to the credit reporting agencies through the Revdex.com. We are also in receipt of your June 15, 2016 fax requesting a mutual resolution. This letter serves as a response to both.   In your most recent fax you state you are not responsible for your balloon payment until June 20, 2017. Please be advised, pursuant to Section 16 of your Motor Vehicle Retail Installment Contract (Contract) your account was in default for failure to make your payments when due.  Accordingly, MINI Financial Services excercised default remedies as specified in the contract and repossessed and sold your vehicle. The proceeds of the sale of the vehicle were not sufficient to satisfy your financial obligation resulting in a deficiency balance.  If you are in default, MINI Financial Services has the right to accelerate the contract and demand you pay all amounts you owe under the Contract at once. Our previous response to your direct dispute provided the documentation required to validate the $10,322.96 debt you still owe MINI Financial Services.    Ms. [redacted], your rejection through the Revdex.com provides no new information and is substantially the same as the previous investigation requests you made to us. Our response remains unchanged; our documentation previously sent to you confirms your debt is valid and the information we have reported to the credit reporting agencies is correct.    Please contact a Recovery Specialist to discuss payment arrangements. Our representatives may be reached at ###-###-####, Monday through Friday, from 9:00 a.m. to 9:00 p.m. ET.   Yours sincerely,       Paul I[redacted] Senior Account Specialist MINI Financial Services

Hello. Thank you for your response to [redacted]. The dealership is no longer part of the Revdex.com. Apparently this issue with their non-refundable deposits is widespread. There are numerous complaints about the dealership. And I have lost confidence in them. Not only that, but since I was left on the side...

of the road by BMW Roadside Assistance, they escalated it beyond the dealership into BMW Customer Support. I have had a great deal of interaction with them. To the point where they offered me one month's lease payment as consolation. So the dialogue seeking resolution has moved beyond the dealership, starting with the supervisor of Roadside Assistance sending the issue to corporate. Also, I am not in the state where the lease was signed. I travel for a living, so must deal with multiple dealerships when needing service etc. I have called & had a converdation with an auto fraud attorney in the original dealership's area. They said that dealership has a history of lawsuits against them. I would rather resolve this with corporate, since that line of conversation is already open, & the lease can be returned at any dealership. This seems like a simple resolution without litigation. I would prefer to try all angles before paying an attorney & dragging this out.

Please see attached screen shot showing payment taken on 2/15 as well as overdraft fee charged for paid item. I've been speaking with several BMWFS reps for over a week now and they already have the same information which I've attached here, they have confirmation the item was in fact paid as...

it has not been returned and it has cleared my bank account. However, they still have not refunded item or fee as they said they would.

Dear Ms. [redacted]:
Thank you for giving us the opportunity to address your additional payment concerns through the Revdex.com complaint process. We hope the following information and explanation will answer the issues addressed in your rejection to our previous response.
Ms. [redacted], as addressed in our previous response, it is in our best interest to work with our customers who experience financial difficulty. While an exception was made for you on September 18, 2015, up2drive does not accept partial payments on accounts 30 or more days past due over the telephone. You may still make partial payments by check, Western Union Quick Collect, bank bill pay, or through our automated phone system as long as a payment freeze has not been placed on your account. Exceptions to allow partial payments with a live representative are made on a case by case basis; however, remitting a partial payment does not lower the risk of escalated collection activity on your account, nor does it satisfy the obligations established in your Retail Installment Contract and stop potential reporting to the credit reporting agencies for past due payments.
We are sorry to learn the representatives you previously spoke with were unable to provide you with your account manager’s contact information. If you have any further questions, please contact your account manager, Kevin R[redacted] at ###-###-####, extension [redacted], Monday through Friday, from 9:00 a.m. to 6:00p.m. ET.
Yours sincerely,
[redacted]
Senior Account Specialist
up2drive Financial Services

Dear




Ms. [redacted]:
Thank you for giving us the
opportunity to address your concerns and issue regarding payment deferments
through the Revdex.com complaint process. We hope that the
following information and explanation will answer the issues addressed in...

your
complaint.
Ms. [redacted], we would first
like to express our condolences to you during this difficult time.
Upon receipt of your
complaint, we reviewed our account records and confirmed a conversation on
January 7, 2016 that discussed the deferment process. During that conversation
we advised once your December 11, 2015 payment paid through [redacted] payment option posted to your account, you would need to contact
our office to initiate a deferment for the January installment. Our records
reflect you did not contact our office, nor did you respond to our numerous
phone and email requests for you to contact us. Your ability to defer your
January 11, 2016 payment expired once your February 11, 2016 installment came
due.  No payments were received on the
account causing it to go severely delinquent, resulting in the account being
placed for repossession. While there was
some contact with you after the vehicle was placed for repossession, inadequate
payment and arrangements were not realized. 
On April 14, 2016 your vehicle was repossessed for non-payment of the
loan.
Although we empathize with
your situation, we are unable to accommodate your request to defer your
payments. Our records indicate a Notice of Sale letter was mailed to you on
April 15, 2016, outlining your options after the repossession.
If you have any questions,
please contact me, Karyn C[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,
Karyn C[redacted]
Collections Team Leader
BMW Financial Services NA, LLC

Dear Mr. [redacted]:   Thank you for allowing BMW Financial Services the opportunity to respond to your recent complaint submitted through the Revdex.com regarding your account status. We hope the following information and explanation will assist you.   Mr. [redacted], previous...

correspondence we received were identified as having been sent from credit repair organizations. We do not address requests, based upon our analysis and review, that we decide are authored by third party agencies in order to protect our customer’s private information. We apologize if we made an error in your initial correspondence to us.   Enclosed for your review is 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. The enclosed documents confirm your financial obligation to BMW Financial Services.   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 change the way we are reporting your payment history to the credit reporting agencies.   If you have any questions, please contact me, Michael G[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,     Michael G[redacted] Credit Dispute Specialist BMW Financial Services NA, LLC   enclosures:      transaction statement                        Lease Agreement

I reviewed the response made by the business in reference to complaint ID [redacted], and will accept your offer of waiving half of the mechanical charge of $750 ($375). I will however add that I would have made arrangements to drive 5 hours to the nearest Mini dealership to have the vehicle serviced if the people I spoke to at Mini on numerous occasions about my lease end options and expenses, had mentioned the importance of making sure it was serviced. They mentioned mileage, dings, tyres, disposition fees, and nothing about the vehicle servicing. That is why it was such a shock to me since my Mini was in beautiful condition on all those counts. I also think you should make arrangements with service centers in areas that are more than a 2-hour drive from the nearest dealership. I lived in San Diego until last year, so this was a non-issue before.

Thank you for allowing BMW Financial Services the opportunity to respond to your recent complaint submitted through the Revdex.com complaint process. We hope the following information and explanation will address your concerns.   We regret to learn of the mechanical issues you...

mentioned in your complaint. As the financial services division of the BMW Group, BMW Financial Services can only respond to inquiries regarding either your Motor Vehicle Retail Installment Contract (Contract) or your account with us. As you can appreciate, since we were not part of any discussions at BMW of [redacted] or BMW of North America, we cannot comment on any service or information you were provided. For questions regarding previous discussions or agreements with BMW of North America, please contact a Customer Relations Specialist by telephone at ###-###-####, Monday through Friday, from 9:00 a.m. to 9:00 p.m. ET and Friday from 9:00 a.m. to 6:00 p.m. ET. For questions regarding previous discussions or agreements with BMW of [redacted], please contact them directly at ###-###-####.   Mr. [redacted], BMW Financial Services is an independent business entity offering indirect financing to BMW centers, and as such, we purchased the Contract after you negotiated its terms with BMW of [redacted]. We are unable to accommodate your request to adjust your Contract based on your experience with BMW of [redacted] or the vehicle’s performance; however, your account may be eligible for refinancing with BMW Financial Services after six payments have been billed and posted to your account.   Unfortunately, we are also unable to modify your Contract by deducting “restitution” from your amount financed. However, should you remit the “restitution” payment in addition to your monthly payment, you will be paying more than your required monthly payment, and will lower your principal balance accordingly. Therefore, lowering your daily interest rate or per diem.   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

Dear Ms. [redacted]:   Thank you for giving us the opportunity to address your issue regarding payoff 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 a BMW...

Financial Services representative directed you to your retailer to obtain a payoff quote. We are unable to confirm the conversation referenced in your complaint. Our records confirm you requested a refinance quote from us on April 20, 2016 and declined to proceed at that time.   Ms. [redacted], BMW Financial Services is a financing provider to independently owned and operated BMW centers. We are a separate entity from your retailer, [redacted] BMW. While we understand you contacted [redacted] BMW to request they provide payoff information for your vehicle, the amount they quoted to you was inaccurate. The payoff quote provided by your retailer was a dealer payoff and can only be used for the purchase of the vehicle by a dealership, since they are not responsible for the remittance of sales tax on their purchases.   On May 3, 2016, we received a check for $48,715.21 in an attempt to pay off the account. This amount was not enough to satisfy the obligation under the Motor Vehicle Lease Agreement. The amount of the payoff at the time was $51,638.12, creating a shortage of $2,922.91.   The amount of this shortage is due to sales tax charged for purchasing a leased vehicle in your state. In order to facilitate title transfer in the state of Michigan, sales tax does need to be paid to the state, and the Michigan requires it to be collected and remitted by the lessor. Because this tax needs to be collected and paid, we are unable to waive the payoff shortage.   To terminate your account and release the title to your vehicle, we will need to receive the amount of the payoff shortage. Since the check was received, your payoff has increased due to the billing of rent charge. The current payoff amount, valid through June 15, 2015 is $51,791.22. As a courtesy, we have placed a credit of $209.69 to offset this billing. The current payoff shortage is $2,866.32.   We are committed to providing you with the highest level of service. If you have any questions, please contact me, Jennifer N[redacted] at (800) 578-5000, Monday through Friday, from 9:00 a.m. to 9:00 p.m. ET, or by mail at either address listed on this letter.

Dear Ms. [redacted]:
We are in receipt of your request for supporting documentation for the referenced Revdex.com complaint submitted by Mr. [redacted].  We hope the following documentation and information will assist in resolving this matter.
Copies of the preliminary valuations or fax confirmations are not stored in our systems. Our accounts are documented when information in requested and by what means any requested documentation is submitted. In this instance, our account notes confirm a valuation was faxed to Mr. [redacted]’s insurance provider on December 4, 2015. Our documentation confirms an email valuation was requested on December 17, 2015 and was sent the same day. The completed valuation was received from Mr. [redacted]’s insurance provider on December 23, 2015. Pursuant to your request, the completed valuation and letter of guarantee have been enclosed.
Our internal account notes also confirm Mr. [redacted] spoke with a representative in our insurance department on December 4, 2015, and during this conversation he was advised he remained responsible for payments until the payoff is received from his insurance provider. We are unable to accommodate your request for copies of our internal notations.
Sections 25 and 26 of Mr. [redacted]’s Motor Vehicle Lease Agreement (Lease) pertain to Mr. [redacted]’s payment obligations and to defaults and remedies should payment not be received. Section 27 and 28 of Mr. [redacted]’s Lease pertain to a vehicle loss and Mr. [redacted]’s obligations in the event of a total loss. A copy of the Lease has been enclosed as requested.
If you have any questions, please contact me, Kaylan L[redacted] at (614) 718-6196, Monday through Friday, from 9:00 a.m. to 5:30 p.m. ET, or by mail at either address listed on this letter.
Yours sincerely,
Kaylan L[redacted]
Senior Account Specialist
MINI Financial Services
c: Mr. [redacted]
enclosures:         completed valuation
                            letter of guarantee
                            Lease

Thank you for giving us the opportunity to address your concerns regarding the personal property tax billed to your account through the Revdex.com complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.Our records indicate...

during the conversation between you and the Assumptions team on February 11, 2016 you were advised in order to initiate the assumption process BMW Financial Services (BMW FS) would be collecting the Virginia personal property tax in full upfront. The representative advised you a refund would be issued after the assumption process was completed. You were also advised if the assumption process fell through for any reason BMW FS would remove the billing and wait to receive the actual personal property tax bill from Virginia. At no point during the conversation with the Assumptions team were you told BMW FS was already billed personal property tax by the state of Virginia.We can confirm you will not be responsible for payments, charges, fees and/or incurred taxes prior to the assumption completion date of February 24, 2016. A prorated refund for the estimated property tax paid on February 12, 2016 in the amount of $1,528.00 will be based on the date the assumption process was completed and the actual property tax bill BMW FS is to receive from Alexandria, VA. BMW FS made an exception to this process and contacted you on March 3, 2016 to advise you we would be issuing a prorated refund in the amount of $1,273.33.Additionally, BMW FS did not cancel your registration for you online. We do not have access to any online features that would allow us to complete the process of plate cancellation for a customer in Virginia.  Should you have further questions regarding the cancellation of your registration, please contact the Virginia Department of Motor Vehicles.Mr. [redacted], our research confirms BMW FS issued a prorated refund on March 10, 2016 in the amount of $1,273.33 to the above referenced billing address. You should receive this refund check within 10 business days from this date. We are committed to providing you with the highest level of service. If you have any questions, please contact me, Vanessa 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.Best regards,Vanessa C[redacted] Senior Account Specialist BMW Financial Services NA, LLC

Dear Mr. [redacted]:   Thank you for giving us another opportunity to address your claim through the Revdex.com complaint process. We regret our previous responses did not resolve this matter entirely.   As stated in our previous response, we researched your identity theft claim and determined the referenced account was not opened as a result of identity theft.  Our records indicate we spoke with you over the telephone on May 23, 2016 to advise you of this. During this telephone call we also confirmed the account was not opened on June 1, 2014; rather, the Motor Vehicle Lease Agreement (Lease) was established on June 30, 2014. A copy of the Lease will be mailed to you at the new address we have on file. At no time did we indicate the account was opened June 1, 2014. Ultimately, our response remains unchanged; we are unable to accommodate your request to remove the tradeline appearing on your credit report.   If you have any questions, please contact me, Janeen M[redacted] at ###-###-####, Monday through Friday, from 9:00 a.m. to 5:00 p.m. ET, or by mail at either address listed on this letter.   Yours sincerely,       Janeen M[redacted] Suspicious Activity Reporting Specialist BMW Financial Services NA, LLC

Dear Mr. [redacted]
 
Thank you for contacting BMW Financial Services through Revdex.com complaint process. We regret we are unable to assist you further at this time.
 
Mr. [redacted] we are sorry to learn of your mother’s passing and apologize your request has not yet been...

resolved. It is disappointing to hear you provided us with so much information, spent time on the telephone with us and you still have not resolved your issue.
 
In an effort to assist you, we attempted to locate the account using the information provided in your complaint. Unfortunately, we are unable to locate the account with this information. If you would not mind, would you please provide us with the account number or last seven digits of the Vehicle Identification Number (VIN) of the vehicle in question or your mother’s name and complete address. Please provide this information to us through the Revdex.com complaint process or send the information to me, Allison C., via fax at [redacted] or email at [redacted]
 
Upon receipt of this information, we will be happy to review your request. We respect the privacy and confidentiality of our customer’s financial information and as you may know, can only work with those authorized to discuss account details. Due to privacy laws, we are limited to speaking with the Executor of the Estate or the attorney representing the estate.
 
Mr. [redacted] we appreciate you bringing this matter to our attention and look forward to being able to resolve your request.
 
Yours sincerely,
  
 
Allison C.
Customer Correspondence Specialist
BMW Financial Services NA, LLC

Dear Mr. [redacted]:   Thank you for allowing BMW Financial Services the opportunity to respond to your recent complaint submitted through the Revdex.com regarding your recent payment. We hope the following information and explanation will assist you.   Mr. [redacted], we were unable...

to locate your money orders using the receipt you previously provided. We recommend cancelling your money order and reissuing your payment. We apologize for any inconvenience this has caused.   Because of your intent, we have waived your late charges and removed the October 2016 delinquency from your account. Please be advised, your past due balance must be satisfied on or before November 18, 2016 to avoid a delinquent payment reporting for November 2016.   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

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 process. We 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 Services. Our records confirm the six remaining Lease payments totaling $5,813.88 were satisfied as part of our Pull Ahead program on January 29, 2015.
 
Mr. [redacted], the above referenced vehicle was grounded on January 26, 2015, six days after the January 20, 2015 EasyPay payment had posted to your wife’s account. Our records confirm your wife’s account was enrolled in automated payments through our EasyPay program using her My BMW online account. Unfortunately, this payment did not qualify for our Pull Ahead program. Because the referenced payment was the 30th of 36 monthly payments owed to satisfy your wife’s signed Motor Vehicle Lease Agreement (Lease), we are unable to refund this payment. The pull ahead program satisfied the 31st, 32nd, 33rd, 34th, 35th and 36th payments, which are the 6 payments under the pull ahead program.
 
Your business is appreciated. For questions or concerns pertaining to any verbal agreement provided by [redacted] BMW, please contact the individual BMW center. We 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 9:00 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 inquiry regarding the collection fee billed to your account through the Revdex.com complaint process. We hope the following information and explanation will answer the issues addressed in your complaint.Upon receipt of your...

complaint, we reviewed our account records and confirmed a collection fee of $200.00 was billed to your account on May 11, 2016. This collection fee was billed to BMW Financial Services by [redacted] Recovery Solutions for their efforts in trying to secure the vehicle while it was out for repossession for several months. In accordance with the terms of your Motor Vehicle Retail Installment Contract, specifically Section 16 – “Default”, Paragraph B – “Remedies”, you agree to pay additional sums in the event we utilize an outside company to assist in the collection of your account. Our records confirm a conversation on May 23, 2016 explaining the higher monthly invoice and collection fee. Although we empathize with your situation, we are unable to accommodate your request to waive the collection fee.  If you have any questions, please contact me, Karyn 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.

From: [redacted] [mailto:[redacted]] Sent: Tuesday, April 18, 2017 1:24 PMTo: [redacted]@centralohio.Revdex.com.orgSubject: Complaint ID: [redacted]Documents attached.