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Dear Mr. [redacted]
 
Thank you for giving us the opportunity to address your concerns regarding your account through the Revdex.com.  
 
Mr. [redacted] BMW Financial Services prides itself in offering premium customer service. We sincerely apologize for not providing your...

wife and yourself with the level of customer service you expect and deserve while speaking with a BMW Financial Service representative.  We value your feedback and the opportunity to improve our service, so that issues such as those that your wife and you experienced do not recur.  Your loyalty and passion for our brand is greatly appreciated and we hope that you will continue to be a BMW Financial Services customer for years to come.
 
We are committed to providing you with the highest level of service.  If you have any questions, please contact me, [redacted] at [redacted] 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,
  
 
[redacted]
Collections Team Lead
BMW Financial Services

Attached you will find the guide that states that any ding under 2" is NO CHARGE.I've also attached the images direct from their inspection report showing the supposed dings, which are either non-existant or SO SMALL that you cannot even see them in bmw's own photos, you will see from these pictures...

that the car is absolutely near-mint. Certainly nothing here warrants "excess wear".It is clear that something shady is going on. Especially because BMW states they looked at these photos and used that to justify charging me.[redacted]

Dear Ms. [redacted]:   Thank you for giving us the opportunity to address your issue 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.   In an effort to resolve your request, we researched your account and verified three payments were received 30-59 days past due. The December 25, 2016 payment was received 30 days past due January 24, 2017. The January 25, 2017 payment was received 30 days past due February 24, 2017. The February 25, 2017 payment was received 48 days past due April 14, 2017. Enclosed for your review is a copy of your transaction history.   Ms. [redacted], we regret to learn you were under the impression you could post your payment 30 days past due and not be reported as delinquent. Your payments are due on the 25th of each month and we provide a ten day grace period before a late fee is assessed. BMW Financial Services reports any payment received 30 or more days past the payment due date as delinquent in accordance with Consumer Data Industry Association guidelines.   Although your account history confirms you were assessed numerous late fees after the ten day grace period, these fees did not contribute to the delinquency of your account. A review of your My BMW online account verifies you processed monthly payments less than your contractual, monthly payment amount of $516.11. Partial payments may be credited towards your account but does not negate a past due reporting if the entire payment is not received prior to the 30th day past the payment due date.   Although we empathize with the circumstances you described in your correspondence, we are restricted from removing a delinquent payment reporting for goodwill under the guidelines and regulations we are required to follow as a Data Furnisher. Because the data BMW Financial Services furnished to the credit bureaus is accurate, we are unable to accommodate your request to remove the delinquencies from your credit report.   If you have any questions, please contact a Customer Service Advocate, at ###-###-####, Monday through Thursday, from 9:00 a.m. to 9:00 p.m. ET, or Friday, from 9:00 a.m. to 6:00 p.m. ET or by mail at either address listed on this letter.   Yours sincerely,     Michelle D[redacted] Credit Dispute Specialist BMW Financial Services NA, LLC   enclosure: transaction history

This is the original inspection report I received stating no charge, and the depths of the tread are clearly marked as acceptable levels. No charge.[redacted], **

Dear Mr. [redacted]:
Thank you for providing us another opportunity to address your recent experiences with our representatives as well as how we have reported your payment history to the credit reporting agencies through the Revdex.com complaint process. We hope the following information will clarify our earlier response.
As we previously indicated, for the protection of your personal information, you must authenticate your identity before our representatives are able to discuss your account with you in detail. If you declined to provide the required information to authenticate your account, you would not be advised if you account was past due.
MINI Financial Services is not obligated to notify consumers when an account becomes past due. While we send Monthly Account Statements, email notifications, and place outbound telephone calls as services to our customers.
Mr. [redacted], we are sorry our contact attempts did not meet your expectations; however, our response remains unchanged. The information you have provided e is not 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.
If you have any questions, please contact me, Kaylan L[redacted] at (800) 578-5000, Monday through Friday, from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address listed on this letter.

Dear Ms. [redacted]: BMW Financial Services has received your rejection to our recent response 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 fully articulates our position. In reviewing our internal system records, it is our opinion that the details you have provided in your latest Revdex.com complaint are inaccurate. As part of the re-investigation into your complaint, we requested the call made to our automated telephone service on August 11, 2015 be reviewed by our Information Technology group.  As a result, it was determined you called the automated telephone system twice on August 11, 2015.  At 17:20 you called and authenticated to the self-service telephone system using your Social Security Number and were provided two accounts from which to choose. You chose the BMW i3 account. At that point, your call was routed to our Past Due module, where it specifically advised you “Your account is past due, your payment for July has not yet been received….” You were then provided the total amount due, including the past due amount for July 11, 2015, and then offered the option to either pay the total amount due or to pay a different amount.  You elected to pay a different amount, but disconnected before processing the payment.  At 17:22, you called back and repeated the process, heard the same past due message again, took the same action, and elected to only process one payment for the July 11, 2015. There were no issues or errors with our automated telephone system during your calls. Our records of your My BMW account activity reflect you accessed the website on May 14, 2015, June 25, 2015, September 11, 2015, September 15, 2015, and November 12 2015. During your May 14, 2015 and June 25 2015 online sessions, you accessed the EasyPay page, but elected to not to complete enrollment in EasyPay and instead opened the “Make a Payment” page to process a one-time payment. On September 11, 2015, when you accessed your online account, it reflected the account being due for your August 11, 2015 and September 11, 2015 payment due dates. You completed a one-time payment for the August 2015 amount due and completed enrollment in EasyPay, selecting an October 11, 2015 start date.  On September 15, 2015 you accessed the website, which now reflected the account was still due for September 11, 2015, but did not make a payment. On November 12, 2015, when you accessed your online account it reflected it was still due for November 11, 2015, but you did not make a payment.   During the months of July 2015 through November 2015, BMW Financial Services sent you a monthly Account Statement in advance of your next due date reflecting the account was past due. In addition, our records show we sent numerous email notifications notifying you no payment had been received or requesting you contact our office. Our records show we did leave voice mail messages on your cell September 8, 2015 and November 10, 2015. In your complaint, you state once you realized your account was past due you “IMMEDIATELY remedied the problem.” Our records show you finally called our office on November 11, 2015 to discuss your account and the delinquencies reported to the credit bureaus, but still did not make a payment to bring your account current. During the month of November 2015 there were several phone conversations and indirect disputes filed with the credit reporting agencies, yet the account continued to go unpaid. In fact, the missed payment was not paid by you, but deferred on December 10, 2015 as the means to cure your past due account status. Ultimately, it is your responsibility to maintain your financial records, including ensuring payments are made on time with whichever method of payment you elect to use. Unfortunately, our response remains unchanged; your recent correspondence and our re-investigation do not provide sufficient justification to change the way we are reporting your payment history to the credit reporting agencies.     If you have any questions, please contact our office, Monday through Friday, from 9:00 a.m. to 9:00 p.m. ET, or by mail at either address listed on this letter.  Yours sincerely,   Cordell K[redacted]          Special Accounts Manager BMW Financial Services NA, LLC

Dear Ms. [redacted]:   Thank you for allowing BMW Financial Services the opportunity 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 will...

assist you.   In an effort to resolve your request, we researched your account and verified three payments were received 30-59 days past due and one payment was received 60-89 days past due.   -         The payment due August 8, 2016 was received 38 days past due on September 15, 2016. -         The payment due September 8, 2016 was received 50 days past due on October 28, 2016. -         The payment due October 8, 2016 was received 63 days past due on December 10, 2016. -         The payment due November 8, 2016 was received 49 days past due on December 27, 2016.   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 evidence indicating your payments were made in a timely manner, please provide us with this information and we would be happy to research your claim. We have also enclosed a transaction statement for your convenience.   If you have any questions, please contact a Customer Service Advocate 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 the left hand side of this letter.   Yours sincerely,     Paul I[redacted] Credit Dispute Specialist BMW Financial Services NA, LLC   enclosure: transaction statement

Dear Ms. [redacted]:   Thank you for allowing BMW Financial Services the opportunity to respond to your recent complaint submitted to the Revdex.com regarding how we have reported your payment history to the credit reporting agencies. We hope the following information and explanation will assist you.   First, we understand from your complaint that our previous responses incorrectly identified your correspondence as having been sent from a credit repair organization. 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. Our records indicate we requested your account number to ensure your correspondence was not being sent by a credit repair organization on April 7, 2016, May 24, 2016, July 15, 2016, and August 31, 2016; however, your full account number and/or social security number was not provided in any of your letters. We apologize if we made an error in your correspondence to us.   In an effort to resolve your request, we researched your account and verified five payments were received 30-59 days past due. Enclosed for your review is a transaction statement, detailing your payment history with us and a copy of your Motor Vehicle Retail Installment Contract (Contract), validating your prior financial obligation to BMW Financial Services.   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. 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   enclosures:           transaction statement                                 Contract

Dear Mr. [redacted]   Thank you for allowing BMW Financial Services the opportunity to respond to your recent dispute, submitted through the Revdex.com complaint process, regarding how we have reported your payment history to the credit reporting agencies. We hope the following...

information and explanation will assist you.   Mr. Bermudez, as a result of our recent investigation, we will be providing an electronic update to [redacted] We will report your account with an Account Status as “Closed.” Please note, it may take approximately 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, they may send a credit verification to us by fax at ###-###-####, or by mail at either address listed below. Please ensure they include your signed authorization with their request.   If you have any questions, please contact a Customer Service Advocate at [redacted], Monday through Thursday, from 9:00 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 the left hand side of this letter.   Yours sincerely,       Michael G[redacted] Credit Dispute Specialist BMW Financial Services NA, LLC

Thank you for giving us the opportunity to address your recent experiences with our representatives as well as how we have reported your payment history to the credit reporting agencies through the Revdex.com complaint process. We hope the following information and explanation...

will answer the issues addressed in your complaint.
MINI 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 during your recent interactions with our collections department. For your privacy, you must first authenticate your information before our representatives are able to discuss your account directly with you. You may authenticate by providing your full Social Security Number, or if you prefer you may confirm the last four digits of your Social Security Number along with additional personal information, such as your billing address.
MINI Financial Services is committed to reporting account information to the credit reporting agencies regarding the payment experience we have with our customers. In an effort to resolve your request, we researched your account and verified one payment was received 30-59 days past due. The payment due on August 7, 2015 was received 39 days past due on September 15, 2015.
Mr. [redacted], we certainly understand how important credit reporting is to our customers. Your letter states your account was setup on a recurring monthly payment. Our records indicate your account has never been enrolled in EasyPay, our recurring monthly payment service. If you were enrolled in a recurring payment through your bank, and the payment was not transmitted as a result of a bank error, we would be happy to investigate this matter further. We require a letter from your bank, on their letterhead, providing us with the details of their error. The letter must contain an authorized representative’s name and contact information so we may confirm the information provided.
MINI Financial Services does not instruct the credit bureaus to remove derogatory information unless our reporting of the account information is inaccurate. In this case, the data MINI Financial Services furnished to the credit bureaus is accurate.
As a financial services provider we are required to report payment histories pursuant to established 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, while we are able to accommodate your request to remove the late charge from your account as a courtesy, we are unable to accommodate your request to remove the delinquency from your credit report at this time.
We are committed to providing you with the highest level of service. If you have any questions, please contact me, Kaylan L[redacted] at (800) 578-5000, Monday through Friday, from 9:00 a.m. to 6:00 p.m. ET, or by mail at either address listed on this letter.

Dear Ms. [redacted]:   We are in receipt of the Revdex.com’s request for additional documentation to support our claim the vehicle was not paid in full until March 4, 2016, and a lien release was not issued by BMW Financial Services until March 9, 2016. We hope the following information and explanation will answer your request.   Ms. [redacted], a certified payoff check of $16,954.28 from USAA Federal Savings bank was deposited on March 4, 2016 and subsequently applied to Mr. [redacted]’s account on March 7, 2016. Our records confirm we received the enclosed Power of Attorney and issued the enclosed Authorization to release on March 9, 2016. A lien release was also mailed to Mr. [redacted] the same day; however, as of the date of this letter, Mr. [redacted] has not obtained a lien free title. You may view the status of Mr. [redacted]’s title by searching for the title status through the [redacted] Department of Motor Vehicles.   If you have any questions, please contact me, Paul I[redacted] at (614) 789-7440, 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

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

Dear Mrs. [redacted]:Thank you for giving BMW Financial Services the opportunity to address your issue regarding assumption through the Revdex.com complaint process. We hope that the following information and explanation will answer the issues addressed in your complaint.Mrs. [redacted], 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 you attempted to initiate an assumption, or lease transfer.To proceed with the assumption process, we will need payment for the estimated personal property tax billed to your referenced account in the amount of $3,700.00. Once this amount is paid, we will be able to move forward towards completing the process.We are committed to providing you with the highest level of service. If you have any questions, please contact me, Michael G[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.Yours sincerely,

Dear Mr. [redacted]:   Thank you for allowing BMW Financial Services to repost to your recent complaint submitted through the Revdex.com regarding the repossession of your vehicles. We hope the following information and explanation will assist you.   Our notes indicate we spoke...

with you on January 20, 2016 and advised both of your accounts were at risk for escalated collection activity until a payment was received. You did not satisfy your past due balance and both of your vehicles were repossessed for being in default of your Motor Vehicle Retail Installment Contracts.   Mr. [redacted], you do not owe a deficiency balance for the 2015 BMW i8; however, you remain responsible for the deficiency balance associated with 2015 BMW 650ix Gran Coupe. We have enclosed a copy of the Auction Sale Breakdown for your review.   If you have any questions regarding your BMW Financial Services account, please contact a Recovery Specialist at ###-###-#### Monday through Friday, from 9:00 a.m. to 9:00 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 enclosure:     Auction Sale Breakdown   enclosure:       Auction Sale Breakdown

Dear Mr. [redacted]:Thank you for giving us the opportunity to address your issue regarding 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.Mr. [redacted], BMW Financial Services...

prides itself in offering premium customer service. We apologize for not providing you with the level of customer service you expect and deserve during your conversations with our representatives. As a result of our investigation prompted by your complaint, we have removed the late return fee and tire charge assessed to your account. Additionally, we have rebilled the mileage charges at $0.18 per mile. Pursuant to your request, we have enclosed an updated monthly Account Statement, reflecting the outstanding charges. Although we empathize with your situation, we are unable to accommodate your request to remove the remaining tire charge or disposition fee from your account. To close your account, please direct your payment (including your account number in the memo field of your check) to: BMW Financial ServicesPO Box 9001065Louisville KY  40290-1065    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 9:00 p.m. ET, or by mail at either address listed on this letter.Yours sincerely,Jessica G[redacted]End of Term Account Specialist BMW Financial Services NA, LLCc: Central Ohio Revdex.comenclosure: Account Statement

Dear Mr. [redacted]
 
Thank you for responding to our request for more information through the Revdex.com complaint process.  
 
Again, we are sorry we had to ask you for additional information. Because your complaint did not include any information to identify your mother’s account or the referenced vehicle, we were unable to associate your complaint with your mother’s account. We appreciate you taking the time to send us the identifying documentation and apologize for our duplicate requests.
 
Upon receipt of the identifying documentation, including the Letters of Testamentary naming you as administrator of your mother’s estate, we reviewed the account and confirmed we received your email on August 5, 2015. Unfortunately, because of an internal error, the request in your email was not fulfilled. After your August 5, 2015 email, our records do not indicate any further communication with you until the receipt of your complaint on August 31, 2015.
 
Mr. [redacted] BMW Financial Services prides itself in offering premium customer service. Please once again, accept our apology for not meeting your expectations during your recent interactions with us. We appreciate your feedback and will use your comments in your complaint and social media post as an opportunity to improve our service, so issues such as those you experienced do not recur.
 
Pursuant to your request, we issued a lien release for the above referenced vehicle to:
 
                [redacted]
 
The lien release was sent from our offices on Thursday, September 3, 2015 and sent via Federal Express (FedEx) overnight delivery. The FedEx tracking number for the lien release is [redacted]
 
We hope our resolution has restored some faith in BMW Financial Services. If you have any questions, please do not hesitate to contact me, Kyle C. at [redacted], 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,
 
 
 
 
Kyle C.
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.   Mr. [redacted], we regret to learn...

of your interactions with our collection’s representatives. Unfortunately, your June 7, 2016 bank bill payment did not reference the appropriate account number, which resulted in your past due account status. Your bank bill payment of $1,132.55 was applied to your prior lease account [redacted] effective June 7, 2016. Your payment satisfied $493.76 in remaining receivables, $69.56 in sales tax, and $500.00 in exterior excess wear and tear. A refund of $69.23 was subsequently issued to your billing address.   We understand you intended to satisfy your excess wear and tear for [redacted] and your June 2016 lease payment for [redacted]. As a result of our investigation, we have moved $597.55 of your payment to [redacted]. Additionally, your late charges have been removed and we will report zero payments were received 30 or more days past due with our next monthly update to the credit reporting agencies.   Please be advised, your end of lease balance for [redacted] has been updated to reflect the transfer of $597.55. You remain responsible for $493.76 in remaining receivables, $34.56 in sales tax, and $69.23 for the previously issued refund.   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 allowing MINI Financial Services the opportunity 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 that the following information and...

explanation will answer your requests.   Our records indicate your April 15, 2016 correspondence was received on April 18, 2016 and a response identifying your correspondence as having been sent from a credit repair organization was issued on April 21, 2016. 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. We also repsonded to your April 29, 2016 correspondence on May 2, 2016. We have enclosed copies of our April 21, 2016 and May 2, 2016 responses for your review.   In regards to account 1XXXXX3404, we verified two payments were 30-59 days past due, two payments were 60-89 days past due and one payment was 90-119 days past due. We are also reporting your vehicle was involuntarily repossessed and your account was charged-off. Your remaining unpaid charge-off balance is $10,322.96.   Ms. [redacted], your account was in default and your vehicle was repossessed for failure to make payments. Pursuant to Section 16 of your Motor Vehicle Retail Installment Contract (Contract), if you are in default, MINI Financial Services may demand that you pay all amounts owed under the Contract at once. A Notice of Sale was issued on March 26, 2013, notifying you of our intent to dispose of your vehicle. Your deficiency balance after the sale of your vehicle was $11,896.32, and is outlined in the enclosed Auction Sale Breakdown. Your deficiency balance was calculated based on your Contractual balance minus the auction proceeds and is not your balloon payment. After, the application of warranty cancelation refunds, your remaining unpaid charge-off balance is $10,322.96.   We have enclosed a transaction statement, detailing your payment history with us; a copy of your signed Contract, validating your financial obligation to MINI Financial Services; a copy of the Notice of Sale, notifying you of our intent to dispose of your vehicle; and a copy of the Auction Sale Breakdown, outlining your financial obligation after the sale of your vehicle   In regards to account 1XXXXX5782, we verified zero payments were received 30 or more days past due and your account is paid in full and closed. We have ceased reporting account 1XXXXX5782 to the credit reporting agencies. We have enclosed a transaction statement and a copy of your Contract for your review.   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 account 1XXXXX3403 is not accurate, we are unable to accommodate your request to remove your tradeline 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 MINI Financial Services

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

My payment with BMW Financial Services is due on 11/14, account number 1002529860. The vehicle is not in my possession, it was not able to be registered due to past due property taxes and the dealership is well aware of this. They have the vehicle in storage until taxes are paid. However, the tax bill is quite high and can not cover car payment as well. The tax bill is around 3400 and do not have enough to cover both. I need payment deferred a month to December in order to buy time to pay taxes. I believe this to be reasonable, considering I do not have the car in my possession and they can verify this with BMW dealer, BMW of [redacted]. They are also looking for a payment on a previous account, [redacted], which was paid off by [redacted]. However, a small amount was left over, around 800 I believe. I do not have exact amount available to me at the moment. The GAP company, [redacted] claims, paid out the claim with no benefits so amount was not paid out. Their reason(s) for non-payout vary and are inconsistent/bogus. Please advise BMW Financial Services I refuse to pay and if they are still seeking payment they need to contact either [redacted] and or [redacted] Claims.