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Dear Ms***: 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 processWe 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-days past dueThe December 25, payment was received days past due January 24, The January 25, payment was received days past due February 24, The February 25, payment was received days past due April 14, Enclosed for your review is a copy of your transaction history Ms***, we regret to learn you were under the impression you could post your payment days past due and not be reported as delinquentYour payments are due on the 25th of each month and we provide a ten day grace period before a late fee is assessedBMW Financial Services reports any payment received 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 accountA review of your My BMW online account verifies you processed monthly payments less than your contractual, monthly payment amount of $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 FurnisherBecause 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:a.mto 9:p.mET, or Friday, from 9:a.mto 6:p.mET 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

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 statusWe hope the following information and explanation will assist you In an effort to resolve your request, we researched your account and verified your account was reported 30-days past due on occasionsAdditionally, we confirmed we received notice of your Chapter bankruptcy filing dated February 27, and your Notice of Discharge dated June 11, Mr [redacted] , our records indicate a total loss settlement of $12,was received from [redacted] Insurance on October 6, 2014, creating a deficiency balance of $1,The deficiency balance would have needed to have been paid within months to avoid being reported to collectionsHowever, your bankruptcy filing date occurred prior to you satisfying the remaining balance on the accountTo ensure all four credit reporting agencies have updated their records, we have submitted an electronic update reflecting the proper Consumer Information Indicator of “E – Discharged through Chapter Bankruptcy”In accordance with the Consumer Data Industry Association guidelines for Data Furnishers, we are restricted from reporting your payment history after your bankruptcy filing and we are required to cease reporting your account after receiving your Notice of DischargeUnfortunately, 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:a.mto 5:p.mET, or by mail at either address listed on this letter Yours sincerely, Michael G [redacted] Senior Account Specialist BMW Financial Services NA, LLC

the information provided is inc***ect The attached file is the emailed invoice from [redacted] BMW of Sprinfield, NJ which serviced the vehicle in June, so the information they have on file is inaccurate Again please remove this erroneous excess mechanical charge so that I can send you a check and purchase my next BMW at [redacted] BMW in Shreveport Louisiana I'd rather drive miles than deal with [redacted] BMW which has botched my lease return and caused undue stress to a good customer The last thing I expected was to go through this process with what is supposed to be a reputable companyI was not afforded the opportunity to sign an odometer statement detailing the condition I submitted this car in I am responsible for the tire charge, bumper charge and the disposition fee

Dear Mr***: Thank you for your letter regarding how we have reported your payment history to the credit reporting agenciesWe hope the following information and explanation will answer the request addressed in your letter We regret to learn of your medical issuesWe hope this issues are behind you and you are doing well BMW Financial Services prides itself in offering premium customer serviceWe sincerely apologize for not providing you with the level of customer service you expect and deserve when contacting our officesWe 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 customersIn an effort to resolve your request, we researched your account and verified two payments were received or more days past dueThe following payments were received in excess of days past due: – The payment due on July 30, was received days past due on August 29, – The payment due on August 30, was received days past due on September 29, Mr***, we certainly understand how important credit reporting is to our customersYour letter states your wife contacted BMW Financial Services while you were in the hospitalWe have no record of telephone contact from your wifeWe can confirm you contacted our office on July 27, and requested a payment deferral due to a financial hardship you were experiencingDuring this conversation you were advised our lease agreements are not eligible for payment deferralsAdditionally, we can confirm we spoke with you again on July 29, regarding our due date change processYou 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 monthsYou were advised the due date change does not impact any installment that has already been billed, and there is a $fee associated with the due date changeYou 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 receivedWe spoke with you on September 29, regarding the delinquent August installmentDuring your conversation with our representative on September 29, 2015, you were advised the installment was 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 timeMr***, the payment received in satisfaction on your July installment was processed through our automated telephone systemThe payment was posted to your account immediately, and the transaction would have then been sent to your bank for processingAs previously indicated, the payment received in satisfaction of your August installment was posted via your My BMW online accountThis payment was also posted to your account as soon as it was submittedWhile 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 inaccurateIn 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 guidelinesWe have made the decision to report to the credit bureaus and must report all of our customers based upon the same criteriaBecause we have no evidence indicating our reporting of your account is not accurate, 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:a.mto 6:p.mET, 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 giving us the opportunity to address your issue regarding amortization through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint Mr [redacted] , interest accrues daily on your account, and accrues between payment datesInterest accrues at a daily rate called a per diem, and this is calculated based on your current principal balance and annual percentage ratePayments are first credited to accrued interest, and then to the unpaid balance of the principalThe per diem is then recalculated using the new principal balance, at which point the process will repeat itself until the next payment is received Additionally, each monthly account statement provides a summary of transactions since the last statementThis summary includes how payments have applied towards principal, interest, and other charges during the previous billing cycleThe last three payments we have received on your account break down as follows: Date of Payment Payment Made Principal Portion Interest Paid Interest Days 8/19/ Your account statement dated August 24, includes the payments received on July and August 19, 2016, for a total interest paid equaling $Your account statement dated July 23, only reflects one payment, dated June 30, While your most recent account statement shows a higher amount of interest paid in this month compared to the previous, each payment has a lesser amount of interest being paid than the previous one For your records, we have enclosed the amortization schedule for your accountThis table will show how each payment applied towards principal and interest, the per diem, days of interest accrual, and the principal balance after each payment We are committed to providing you with the highest level of serviceIf you have any questions, please contact me, Michael G [redacted] at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letterYours sincerely, Michael G [redacted] Senior Account Specialist BMW Financial Services NA, LLC enclosure: amortization schedule

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 informationBecause 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 accountWe 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, Unfortunately, because of an internal error, the request in your email was not fulfilledAfter your August 5, email, our records do not indicate any further communication with you until the receipt of your complaint on August 31, Mr [redacted] BMW Financial Services prides itself in offering premium customer servicePlease once again, accept our apology for not meeting your expectations during your recent interactions with usWe 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] [redacted] The lien release was sent from our offices on Thursday, September 3, and sent via Federal Express (FedEx) overnight deliveryThe FedEx tracking number for the lien release is [redacted] We hope our resolution has restored some faith in BMW Financial ServicesIf you have any questions, please do not hesitate to contact me, Kyle Cat [redacted] , Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letter Yours sincerely, Kyle C Senior Account Specialist BMW Financial Services NA, LLC

Complaint: [redacted] I am rejecting this response because: I canceled the payments for I was told by an employee of this MINI that I would not get the money back if I paid it and it was settled A matter such as this should have never taken over days I have spoken with my Insurance company and they agree that MINI dropped the ball on this and it should have been resolved sooner they took days to respond initiallythe insurance company has no record of MINI contacting them any earlier then the 17th when the Insurance company had to physically call them MINI claims they sent a follow email on the 4th that doesnt exsist or was never received/sentThe car insurance company was in possession of the car and a quote for the car was made then without that last payment and then MINI came after me for it when it was in the final settlement Double dipping into a repeat customer (NO LONGER) MINI knew I had already bought a new car but as they state in their reply loyalty doesnt matter! stating I dont matter nor do any of their customers I am still waiting for them to do the right thing and take this off my credit report for they received the money they asked for when I received the final bill after it was all settled which is what I was waiting for I reported this to the Revdex.com so everyone can read how difficult and uncompassionate this company is towards their customers (repeat at that)

Dear Mr [redacted] : Thank you for giving us the opportunity to address the way we are reporting your payment history to the credit reporting agencies through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint In an effort to resolve your request, we researched your account and verified one payment was received 30-days past due The February 28, was received days past due on April 4, Our records confirm you enrolled in our paperless billing initiative on October 29, to receive monthly Statement Notification emails containing the amount due and a link to your My BMW online accountThe February Statement Notification email was generated and emailed to you on February 9, To date, we have not received a change of address notification from you; however, an address change with the United States Postal System (USPS) would not impact receipt of your electronically generated Account Statements We are not obligated to notify you of past due payments; however, as a courtesy we verified three emails were delivered to alert of you of the missing February 28, paymentA review of your My BMW online account activity confirms you viewed your payment history on February 19, 2017, March 23, 2017, and March 31, which at the time, your account would have reflected a missing payment for your February 28, payment due date While our records confirm we received your consent to contact you via your cellular telephone as of June 2, 2017, 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 result of your dispute, we will be providing an update to the credit reporting agencies to reflect the results of our investigation We are committed to providing you with the highest level of serviceIf you have any questions, please contact a Customer Service Advocate at ###-###-####, Monday through Thursday, from 9:a.mto 6:p.mET, and Friday from 9:a.mto 6:p.mET, or by mail at either address listed on this letter Yours sincerely, Michelle D [redacted] Credit Dispute 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 statusWe hope the following information and explanation will assist you Mr [redacted] , previous correspondence we received were identified as having been sent from credit repair organizationsWe 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 informationWe 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 financingThe 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 guidelinesBecause 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:a.mto 5:p.mET, 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

First, I am pleased that BMW Financial Services made a decision to provide a response to my complaint It is unfortunate, however, that BMW exhibited no desire to do so prior to my engagement of the CFPB and Revdex.com I am equally pleased that the CFPB saw fit to engage the FTC as a result of my complaint and BMW Financial Services’ response Further, I appreciate the supporting documents that BMW Financial Services provided because they ironically serve as further support for my complaint, which is that BMW intentionally deceived and misled me about the deferment option in violation of the Unfair and Deceptive Acts and Practices rule This included adding a balloon payment equaling nearly car payments to my balance due shortly before payoff without any form of disclosure to me (you’ll note that the option is not mentioned anywhere in the contract or any other document BMW provided) As a result, what would have been a monthly payment of $was increased to $3,due and payable the due date of the last car payment (you’ll also note that this amount is not in any of the loan or transaction histories provided by BMW which further supports my complaint) Further, based on BMWs immediate offer to me to consider refinancing the newly added balloon payment with concurrent notification that the car could be repossessed forces me to believe that BMW engages in this as a practice for the purpose of garnering more income (fees and interest from refinancing or reselling repossessed cars of those who may not have been in my position to pay nearly a half of a year worth of car payments all at once, without notice Below is a brief concluding summary of the facts:At no time did BMW provide me written or verbal disclosure that by electing to defer a payment when the option was advertised to me over the phone, I would be required to “pay more than the finance charge listed on my Contract”, as stated in paragraph of BMW’s response Specifically: BMW’s response to my complaint says “our notes include that when you requested deferments, you were advised interest would accrue throughout the deferment period ” First, internal “notes” within BMW do not equate to disclosure Second, I challenge BMW to find the recording that supports the statement referred to in their “notes” (which shouldn’t be difficult since BMW discloses that calls are recorded at the onset of calls to BMW Financial Services?) The reality is that BMW did not and cannot produce this because the recording does not exist and the conversation never occurred Because there is no disclosure of the “deferment option” which I prefer to call the deceptive practice of adding undisclosed balloon payments to the loan at payoff – verbally or in writing, there is equally no disclosure of how BMW determines the amount of interest that will be added Please refer to the BMW supplied documents – contract, transaction history and note that there is NO reference to a deferment option What did BMW do to me specifically? As briefly described above, shortly before my payoff, BMW added $3,in additional interest to my payoff figure for “interest accrued for deferred payments” This is on top of the monthly payment of $that I was told would simply be added to the end of the loan for each deferred month at the time I elected to accept the deferment option If BMW was operating in good faith, why then did they wait until shortly before payoff to add nearly $to my total balance due? Why didn’t they add the “additional interest” aka balloon payment at the time of deferment? BMW included an amortization schedule and payoff history in their response that further evidences their lack of disclosure of the additional $3, My desire is threefold: 1) That BMW refund me the undisclosed additional interest that I paid to get the2) That going forward - all customers be required to acknowledge in writing acceptance of the terms of any deferment option elected with specific language regarding the balloon payment.3) That an independent investigation be performed that includes directly contacting other customers that elected to use BMW’s deferment option over the past years – to determine how many other customers were subjected to the same level of deception Each impacted customer should also be refunded

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 processWe 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 detailIf 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 dueWhile 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 unchangedThe 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:a.mto 6:p.mET, or by mail at either address listed on this letter

Thank you for providing us the opportunity to address your concerns regarding the mechanical charge appearing on your maturity statement through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint Mr [redacted] , while your complaint mentions attachments, they were not provided to us with your comments As established in Section of your Motor Vehicle Lease Agreement (Lease), upon return of the vehicle, you agreed to sign an odometer disclosure statement and vehicle inspection reportThe odometer disclosure statement and vehicle inspection report are used to determine any excess wear and use and/or excess mileage at the time your vehicle is returnedSince an inspection was not performed before turn in, we must rely on the inspection performed by AutoVIN, a third party inspection company on May 27, 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 LeaseYou were billed the maintenance charge because you failed to have the required service performed prior to returning your vehicle 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 serviceIf you have any questions, please contact us at (800) 398-3939, Monday through Friday, from 9:a.mto 9:00pm p.mET, or by mail at either address listed on this letterYours sincerely, Brice S [redacted] Early End of Term Specialist BMW Financial Services NA, LLC

Dear Mr [redacted] : Thank you for giving us the opportunity to address your concerns regarding your end of lease charges through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint Mr [redacted] , your end of lease balance is composed of your disposition fee and a partial monthly paymentWe reviewed your account and confirmed the payment posted March 30, satisfied your March 22, payment due date which is the final payment as listed in your Motor Vehicle Lease Agreement (Lease)The referenced payment was reflected on your bank statement on April 1, Because you extended your Lease one month, you became responsible for an additional payment due April 22, As a result, you were billed $for a partial monthly paymentYour partial monthly payment was calculated based on a per diem for the number of days you had your vehicle past your original maturity date and prior to returning your vehicle on April 28, Unfortunately, your lease extension payment due April 22, was not receivedThe $disposition fee and partial monthly payment fee of $were billed in accordance with your Lease In your letter you state since the account has been referred to a collections agency BMW Financial Services has damaged your scoreBMW Financial Services has not reported your end of lease charges to the credit reporting agencies If you have any questions, please contact me, Paul I [redacted] at (614) 789-7440, Monday through Friday, from 8:a.mto 5:p.mET, or by mail at either address listed on this letter Yours sincerely, Paul Ivinskas Senior Account Specialist BMW Financial Services NA, LLC

Thank you for giving us the opportunity to address the communication issue and the end of the lease process on your above referenced account through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint Ms [redacted] , we can confirm the email dated November 19, was issued as a result of a clerical errorWe apologize for any inconvenience this clerical error may have causedHowever, the error or the early termination of your Motor Vehicle Lease Agreement (Lease) does not negate the total number of payments under the terms of your LeaseThe maturity date for your referenced account was March 30, 2015, which was to be after the remittance of monthly paymentsOur records indicate your leased vehicle was returned on December 10, At that time, monthly payments had been madeWe have enclosed a copy of your Lease for your quick reference Our records show a final billing for your account was issued on January 15, Because of the unpaid balance, you were placed in our automated telephone dialer system on February 7, Our records indicate we attempted communication on February 12, 2015, and you declined to be transferred to one of our representativesSince our contact attempts were unsuccessful, on March 17, we issued a final demand notice to you and on April 6, your account was placed with Vital Solutions Your account confirms you spoke with a representative on March 27, and our representative referred you to your retailer to discuss payments given to themWe spoke with you again on April 8, and received the email referenced in your complaintWe apologize our representative did not contact you again As you know we received a payment of $on January 15, and a payment of $on April 7, 2015, both from MINI of Des MoinesThese payments total $733.41, the equivalent of three base paymentsUnfortunately, to date the balance of your account reflects amounts billed for excess wear and tear charges and the contractual disposition feeYou were also given a credit against your end of lease charges since you did not fully utilize the excess miles you purchased, bringing your total balance outstanding to $ MINI of Des Moines did not complete a final inspection on your vehicleAs such, your vehicle was inspected by a licensed inspector at Manheim MilwaukeeWe have enclosed a copy of the inspection report for your reviewBecause the inspection revealed damage to the left tail lamp and windshield, excess wear and tear charges were billed in accordance with your Lease The disposition fee is a typical fee, to compensate MINI Financial Services for the administrative costs and expenses incurred in disposing of or selling the vehicleThis fee is disclosed in Section “Other Charges” and further discussed in sections and of your Lease Ms [redacted] , MINI Financial Services prides itself in offering premium customer service and we are sorry we did not deliver that level of service to you during your end of lease experienceWhile we are unable to honor your request to refund any payments, we are happy to remove the contractual disposition fee from your balanceAfter this final adjustment, the balance to close your account is $We have enclosed an updated statement for your records We are committed to providing our customers with the highest level of serviceIf you have any questions, please contact us at (800) 398-3939, Monday through Friday, from 9:a.mto 9:p.mET, or by mail at either address listed on this letter

Dear Mr [redacted] : Thank you for allowing Alphera Financial Services the opportunity to respond to your recent complaint submitted through the Revdex.com complaint process regarding the repossession of your vehicleWe hope the following information and explanation will assist you Mr [redacted] , your final EasyPay payment was posted to your account on August 10, and EasyPay was subsequently deactivatedYour full balance of $1,became due on your maturity date of September 10, We made numerous attempts to contact you by telephone and email to discuss your past due balance; however, we were unsuccessful in our attempts to contact youYour account was days past your maturity date when your vehicle was repossessed Our records indicate you have since satisfied your account in full and retrieved your vehicleWe also researched your illegal seizure claims and feel the repossession is validBased on the results of our investigation, we are unable to refund any fees or remove any derogatory information from your credit report If you have any questions, please contact me, Paul I [redacted] at ###-###-####, Monday through Friday, from 8:a.mto 5:p.mET, or by mail at either address listed on this letter Yours sincerely, Paul I [redacted] Senior Account Specialist Alphera Financial Services

Dear Ms [redacted] : Thank you for allowing Alphera Financial Services the opportunity to address your issue regarding credit reporting through the Revdex.com complaint processWe hope the following information and explanation will answer the request addressed in your complaint We understand the basis of your complaint is the manner in which Alphera Financial Services reports your payment history with the credit reporting agenciesSpecifically, you reference the timeframe in which you see your payments reflecting as paid on your credit reportAlphera Financial Services is committed to reporting accurate information to the credit reporting agencies regarding the payment experience we have with our customersAs such, we report to the credit reporting agencies on a monthly basis Please note, while Alphera Financial Services does report monthly, it may take approximately to days for all of the credit reporting agencies to change the information in their systemsAnd, it is also important to remember that if you are using a secondary reporting agency they may not have the most up to date informationWe certainly understand how credit reporting can impact your ability to obtain creditIf 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 to us by fax to (800) 820-Please ensure they include your signed authorization with their requestAdditionally, please find enclosed a copy of your account’s transaction statement If you have any questions, please contact me, Kyle Cat [redacted] , Monday through Friday, from 9:a.mto 9:p.mET, or by mail at either address listed on this letter Yours sincerely, Kyle C Senior Account Specialist Alphera Financial Services enclosure: transaction statement

Dear Ms***: Thank you for giving us the opportunity to address your issue regarding how your account has been reported to the credit reporting agencies through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint BMW Financial Services is committed to reporting account information to the credit reporting agencies regarding the payment experience we have with our customersIn an effort to resolve your request, we researched your account and verified one payment was received 30-days past dueThe payment due on February 25, was received days past due on March 28, Our records indicate you spoke to our collections department on several occasions regarding your difficulties remitting paymentOn March 5, you stated you would remit payment for your past due February installment on March 8, No payment was receivedWhen we spoke with you again on March 21, you stated you would be able to remit the past due payment the following weekWe have no record of a conversation during which you were told the payment would not be reported as delinquentOur records indicate our representatives advised you to stay in contact with BMW Financial Services regarding the status of your payments Your complaint states you made a payment on March 24, We can confirm a partial payment was received in the amount of $on March 24, Pursuant to the terms of your Motor Vehicle Retail Installment Contract (Contract) your monthly payment is $Because your contracted monthly payment amount was not received in full, your payment was reported as delinquentThe outstanding $was not received until March 28, 2014, when a payment for $was posted through your My BMW online account As you know, as a financial services provider we are required to report payment histories pursuant to established guidelines and therefore, are restricted from changing any payment history we have correctly reportedWe have made the decision to report to the credit bureaus and report all of our customers based upon the same criteriaBecause we have no evidence indicating our reporting of your account is not accurate, we are unable to accommodate your request to remove the delinquency from your credit report If you have any questions, please contact me, Kaylan Lat [redacted] , Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letter Yours sincerely, Kaylan LSenior 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 statusWe hope the following information and explanation will assist you In an effort to resolve your request, we researched your account and verified your account was reported 30-days past due on one occasionThe payment due on January 20, was received days past due on February 29, Mr [redacted] , we understand your bookkeeper was assisting in remitting your payments; however, ultimately it is your responsibility to ensure timely payments are received in accordance with your Motor Vehicle Lease AgreementAdditionally, our records indicate the vehicle was turned into Braman Motorcars on March 15, 2016, after the derogatory information was reportedBMW Financial Services does not instruct the credit bureaus to remove derogatory information unless our reporting is inaccurateUltimately, 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:a.mto 5:p.mET, or by mail at either address listed on this letter Yours sincerely, Michael G [redacted] Senior Account Specialist BMW Financial Services NA, LLC

As I said before the leap year was the reason This is an not acceptable response from BMW I need the late payment removed from my records ASAP days past due would be on the following day, not the 28th of the month Also, I was just alerted Saturday August 26th that BMW has looked at my credit reportThis was after I filed the complaint I did not give permission for this I am not asking for credit help or counseling from BMW I do not wish to modify my account or need to be told my account is late from time to time Both looking at my account and telling me I am late (not days) is just intimidation tactics Complaint: I am rejecting this response because: Regards, April Morrison

Dear Mr [redacted] : Thank you for giving us the opportunity to address your payment concerns through the Revdex.com complaint processWe 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 one payment was received 30-days past dueThe payment due September 23, was received days past due on October 28, Mr [redacted] , we regret to learn of the complications you experienced when attempting to access your My BMW online account prior to October 23, If you are unable to access your My BMW online account, you may also pay by check, Western Union Quick Collect, with a representative, or through our automated phone system We reviewed your account My BMW online account history and confirmed you accessed your account on October 19, 2015; however, no payment was attemptedAs you are aware, upon completion a successful payment through your My BMW online account, you are provided a payment confirmation number and payment confirmation emailYour BMW online account was not accessed again until you posted payments of $and $on October 28, Your October 28, payments covered your September 23, and October 23, payment due datesThere was no delay in the posting of your payments to your accountUnfortunately, the information you provided in your correspondence through the Revdex.com complaint process is not sufficient to change the way we are reporting your payment history to the credit reporting agencies As a financial services provider we are required to report payment histories pursuant to established guidelinesWe have made the decision to report to the credit bureaus and report all of our customers based upon the same criteriaBecause we have no evidence indicating our reporting of your account is not accurate, we are unable to accommodate your request to remove the delinquency from your credit report If you have any questions, please contact me, Paul I [redacted] at (800) 578-5000, Monday through Friday, from 9:a.mto 5:p.mET, or by mail at either address listed on this letter Yours sincerely, Paul I [redacted] Senior Account Specialist BMW Financial Services NA, LLC