Auto Art

I am rejecting this response because: the direct and blatant arrogance that MrK [redacted] has shown in this reply is the same total disregard to the Estate and the Probate Court Order that was shown upon first sending BMW Financial Services the Death certificate, Judge's Order, and Power of Attorney for the Legal Heir of the Estate of [redacted] The Estate of [redacted] holds firm that BMW Financial Services did in fact with intention undermined a court order and denied the Estate the total payoff of this account's balance in fullAdditionally BMW Fincancial Service contributed mostly to the repossession of this vehicleOn September 9, when I called to confirm BMW financial services receipt of the Death Certificate, Judge's Order and POA, I informed the representative that I was calling to payoff the account and needed the payoff amountThe agent told me that he was advised that I would be calling and he further had been advised that he could ONLY accept a payment but could NOT give me any details of the account such as balance , the current status, etcI was told by the agent that the legal department needed to review the documents, then someone would give me a call to arrange the final pay off amountIn which, that never happened until after BMW Financial Services repossessed the car on the assumptions that The Estate had no authority to pay the car off Therefore, in efforts to negotiate some type of compromise, I made the offer to make a $payment to bring the account currentAnd await to hear back from BMWTherefore, BMW Financial the assumption that refinancing was necessary is mere arrogance to assume ANY such financing was needed because it was notThe money was sitting in the bank upon my initial contact with BMWI nor the Estate of [redacted] ever expected, requested or considered asking BMW FINANCIAL for nothing more than the pay off balance on September 9, These fact can be proven in the phone conversation on September and will be proven by the phone recordings when and if necessary BMW FINANCIAL with intention and total disregard of the Probate Judge's Order giving the authority of the Estate of [redacted] to take possession of the Heir's property, repossessed this car as a result of its own negligence and unprofessional arroganceAnd because of BMW Financial Services contributory negligence, this account went into default to the point of repossessionAnd further, BMW FINANCIAL again failed to honor the Judge's Order and contact the Estate with regard to this account as the Vehicle is clearly named in the Estate It seems to be more about the money for MrK [redacted] In that, I would not be surprise if the assumption that this all was orchestrated by BMW Financial Services as a way to recoup some of the lost interest on this account as a result of it being paid off almost two (2) years early It just seems odd that the estate contacted BMW Financial Service to pay the car off and it ended up being repossessedAnd a court order can be disregardedAnd the Estate is to blame for a repossession for trying to payoff the balance early To think, this is the service BMW Financial Services choses to call world class [redacted]

Dear Mr***: Thank you for contacting BMW Financial Services 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 emails Mr***, the police report attached to your complaint states you had a previous BMW FS account which was legitimateThe vehicle financed by your previous account was a BMW 745i with a Vehicle Identification Number of [redacted] The Retail Installment Contract (Contract) for your BMW 750Li with VIN ending in [redacted] was traded in as part of the financingIn other words, the vehicle you admit to financing was traded in as part of the financing you allege you did not establish Your complaint states the address on the Contract provided to you is incorrectThe [redacted] address shown on the Contract matches the address provided on your driver’s license furnished at Contract inceptionAlthough it does not match the address on the driver’s license you provided to us with your completed Affidavit, the driver’s license you provided with the completed Affidavit has the same license number as the driver’s license provided at Contract inception We can confirm your above referenced account was paid in full and closed on August 2, You have no further financial obligation with BMW Financial ServicesHowever, we have reviewed the completed Affidavit and supporting documentation you submitted and our response to your previous correspondence on this subject remains unchangedYour correspondence does 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 a Customer Service Advocate at ###-###-####, Monday through Thursday, from 9:a.mto 9:p.mET, Friday from 9:a.mto 6:p.mET, or by mail at either address listed on this letter Yours sincerely, Michael G [redacted] Credit Dispute Specialist BMW Financial Services

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

I am rejecting this response because: BMW's response to my complaint does not acknowledge that on December 14, 2015, a BMW representative granted verbal permission to ship our leased vehicle overseasFurther, in mid-September 2016, another BMW representative granted verbal permission to ship our leased vehicle overseas and requested that I provide documents in order to process an authorization letter from BMW to ship the vehicle overseasIf it is in fact corporate policy to deny requests to ship leased vehicles overseas, it makes no sense whatsoever to have me submit documents in support of a request that is against corporate policyThis reflects a severe lack of training among BMW representatives, which led to multiple BMW representatives providing incorrect information to customers verballyLastly, BMW representative Chelsea W [redacted] acknowledged that in BMW's records, she saw a record that BMW had in fact stated that I could ship my leased vehicle overseas on December 14, 2015, which directly contradicts BMW's response to my complaint, which reads "According to our records, no further information was provided to confirm you were approved to ship the vehicle to Germany." Regards, [redacted]

Dear Ms***: Thank you for providing [redacted] the opportunity to address your dispute regarding the application we received for new financing in your name through the Revdex.com complaint processWe hope that the following information and explanation will answer the issues addressed in your complaint Your complaint states you contacted [redacted] regarding the inquiry appearing on your credit report and an account you claim was established as a result of a recent application in your nameWe have no record of any contact with you directly prior to receiving your complaint Ms***, our records confirm your information was submitted to [redacted] on March 27, through [redacted] For more information regarding the application process through [redacted] , we recommend contacting them directlyThe application for new financing was not approved and no account was established as a result of this application Consistent with our obligations as a financial services provider, we are unable to remove or change accurate information we have reported to the credit reporting agenciesAs we do not have evidence the application was submitted without your consent, we are unable to accommodate your request to remove the inquiry from your credit report at this time If you believe someone is using your personal information without your consent, we would be happy to continue working with you to further review your requestTo proceed with our investigation, we request you complete and sign the enclosed Fraud Affidavit (Affidavit) in the presence of a notary publicPlease return the original Affidavit, a copy of the police report, proof of residency at the time the fraud occurred, and a legible copy of your driver's license to [redacted] at the address listed below: [redacted] ATTN: Collections Department [redacted] OH [redacted] Yours sincerely, Allison C [redacted] Customer Correspondence Specialist [redacted] enclosure: Affidavit

Dear Mr [redacted] : Thank you for giving us the opportunity to address the issue regarding your end of lease charges through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in the complaintWe did not receive an inspection from [redacted] BMWWhat your statement outlines is a “walk-around” inspection used for mileage and obvious damages, but does not utilize the standards and measures required for billing purposesAs we did not receive a signed inspection from [redacted] BMW, BMW Financial Services required a third party inspection to be performed by [redacted] Please be advised that [redacted] does not receive any additional financial compensation based on the amount of wear and tear to a vehicleWe have enclosed a copy of their inspection report for your reviewPursuant to the terms of the Motor Vehicle Lease Agreement (Lease), specifically Section 35, the customer agrees to pay for any costs related to excessive wear and useThis section lists examples of what is considered excessive wear and use, including inoperative electrical parts, scratched or pitted glass, and scratched body parts, paint, trim or grill workAs you can see from the inspection report, the items you were charged are in stipulated in the LeaseExcess wear and tear charges are determined by the size of the damagewear and tear is designated as damages that measure smaller than two inchesDamage that is larger than two inches but smaller than four inches is considered small and billed at $per instanceDamage that measures four inches or more is considered large and billed $per instanceAccording to the inspection performed at auction, there was large damage on the front bumper billed at $and small damage to the right rocker panel billed at $BMW Financial Services prides itself in offering premium customer serviceWe regret your lease end experience did not meet your expectations and are sorry for the inconveniences experiencedUltimately, the economics of our business do not make it possible to ignore excess mileage and excess wear and tear charges and still provide the necessary service levels our customers demandOur records indicate we received your payment of $on April 25, and closed your accountWe have enclosed a partial release document for your recordsIf 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 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.comWe are also in receipt of your June 15, fax requesting a mutual resolutionThis 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, Please be advised, pursuant to Section 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 vehicleThe 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 onceOur previous response to your direct dispute provided the documentation required to validate the $10,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 usOur 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 arrangementsOur representatives may be reached at ###-###-####, Monday through Friday, from 9:a.mto 9:p.mET Yours sincerely, Paul I [redacted] Senior Account Specialist MINI Financial Services

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

Dear Mr [redacted] Thank you for contacting BMW Financial Services through Revdex.com complaint processWe 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 resolvedIt 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 complaintUnfortunately, we are unable to locate the account with this informationIf 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 addressPlease 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 requestWe 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 detailsDue 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

1) My address is consistent with my Affidavit and driver's license My previous statement is true and correct, which was a key reason you have refused to remove the alleged account from my credit report 2)I find it unfair and unethical, that you have not provided, nor shown in your investigation another alleged driver's license you claim there is Of course you cannot produce it, because it does not exist You have not fully explained the inconsistency with the addresses3) You have not fully disclosed the full account numbers to this alleged account in question 4) Finally, as you have correctly stated I owe BMW nothing 5) The account on my credit report I am totally not familiar with 6) If you do not wish my future business consider it done But, the error has to be corrected by being removed That can be the only remedy Regards, [redacted] ***

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 systemsOur accounts are documented when information in requested and by what means any requested documentation is submittedIn this instance, our account notes confirm a valuation was faxed to Mr [redacted] ’s insurance provider on December 4, Our documentation confirms an email valuation was requested on December 17, and was sent the same dayThe completed valuation was received from Mr [redacted] ’s insurance provider on December 23, 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 providerWe are unable to accommodate your request for copies of our internal notations Sections and 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 receivedSection and of Mr [redacted] ’s Lease pertain to a vehicle loss and Mr [redacted] ’s obligations in the event of a total lossA 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:a.mto 5:p.mET, 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

I am rejecting this response because:I spoke to Cameron in Financial Services and he was advised that my wife did not change the due date, I am not sure who did but I would not have changed a date to go back when my pay day is on the first of the month, not the 31stI feel that my wife and I were lied on and even though we were making the payments on the first of each month I was still being charged unfair late feesEven if the payment did not make the due date BMW indicated, is there no such thing as a grace period and then to say I was late months out of the course of the loan is ridiculousWill not purchase or use this company again Regards, [redacted] ***

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

Dear Mr. [redacted] :: Thank you for giving us the opportunity to address your issue regarding the sales tax for your above referenced account through the RevDex.com complaint process. We hope the following information and explanation will answer the issue addressed in your... complaint. Your most recent correspondence regarding the increase of sales/use tax due to your move to Arizona references Arizona department of Revenue Publication 610: "Casual sales between individuals are not subject to the use tax. Property purchased by a nonresident individual whose first actual use or consumption of the property occurred outside the state is not subject to the use tax if the property is not used in conducting a business. If you purchase a vehicle from an out-of-state dealer or manufacturer, the Department of Transportation will require, at the time of vehicle registration, proof that tax was paid in the state of purchase and that the amount of state tax paid is equal to or greater than the applicable Arizona use tax rate. If tax was not paid in the state of purchase or was less than the Arizona use tax, the Department of Transportation will require that the use tax be paid at the time you register the vehicle. " Mr. [redacted] , as referenced in our previous response, your above referenced account is a Motor Vehicle Lease Agreement (Lease) and not a Motor Vehicle Retail Installment Contract. The type of financial agreement you entered into is the equivalent of renting a Vehicle. The Publication 610 as referenced in your correspondence would only apply to you if you had purchased the above referenced Vehicle. In this case, you did not. Accordingly, the Arizona Publication 606 applies to you based on your Lease. As referenced in our previous correspondence, pursuant to Arizona Publication 606, “Personal Property Rentals”, subsection – “Who Must Pay”, states “Anyone in the business of renting tangible personal property to others is subject to transaction privilege tax ” Motor vehicles are considered an example of a taxable rental item whose income is subject to the Arizona transaction privilege tax. Additionally, Arizona Publication 606, “Personal Property Rentals”, subsection – “Special Situations”, bullet point 7, Taxes Paid to Another State, “Arizona does not allow a rental business to take a deduction or credit for taxes paid in another state on a lease or rental of tangible personal property.” The transaction privilege tax is imposed on the income received by the lessor as a result of its leasing business in Arizona. The lessor seeks reimbursement for this tax from the lessee under Section 24 of the Lease in which the lessee agreed to pay all official fees and taxes assessed by government authorities in connection with the Lease. Accordingly, BMW Financial Services has added a monthly amount of $40.22 for sales/use tax to be remitted by you, as the lessee. Mr. [redacted] , your correspondence also requests a refund of previous sales tax paid. From our understanding, under New York Publication 839, "Limitations on refunds and credits of sales tax paid on motor vehicle leases states the only case in which a lessee is eligible for a sales tax refund on a motor vehicle lease is if the vehicle is declared a lemon under New Car/ Used Car Lemon Laws and the manufacturer refunds the capitalized cost of the vehicle to the lessee. If the manufacturer refunds the capitalized cost to the lessee, then the lessee is entitled to a refund of NY sales tax. The lessee must apply to the Department of Taxation and Finance for any refund. If you have any additional questions, please 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 Ms [redacted] : Thank you for giving us the opportunity to address how we have reported your payment history 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 your account was reported 30-days past due on one occasionThe payment due December 30, was received days past due on February 2, Payments are reported as delinquent if they are received or more days past their intended due dateAs a Data Furnisher, we are required to report payment histories pursuant to guidelines provided by the Consumer Data Industry Association for Metro II Credit ReportingUnder these guidelines, an account is considered “Current” only if it is 0-days past due from the payment due date Ms [redacted] , your complaint advises you received no contact from BMW Financial Services prior to your December becoming delinquentOur records show that account alerts were sent by email on January 4, and January 24, to contact us regarding the past due balanceIn addition, numerous telephone calls were placed to speak with you directly between January 4, and January 29, 2018, when you spoke with one of our representativesThese efforts to contact you were done as a courtesy and contacting you directly is not required by BMW Financial Services prior to reporting your account to the consumer reporting agencies It is your sole responsibility to ensure timely payments are made in accordance with your financing agreement Unfortunately, your correspondence does not provide sufficient justification to change the way we are reporting your payment history to the consumer reporting agencies under the guidelines and regulations we are required to follow as a Data FurnisherAs a result of your dispute, we will be providing an update to the consumer reporting agencies to reflect the results of our investigation We are committed to providing the highest level of serviceIf you have any questions, please contact a Customer Service Advocate at (800) 578-5000, Monday through Thursday, from 9:a.mto 9:p.mET, or Friday, from 9:a.mto 6: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

Dear Ms. [redacted] : Thank you for giving us the opportunity to address your issue regarding the late fees 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. Ms.... [redacted] , as of today October 8, 2015 our records show 12 monthly Account Statements mailed around the 2nd of each month. The Account Statements were sent to the billing address on file of [redacted] CA. Our records also indicate the Account Statements reference the late fees incurred on the account. Enclosed with this letter are the Account Statements we sent. As you can see, your September 2015 Account Statement shows both the August and September late fees billed. After your installment due date, your Retail Installment Contract (Contract) provides for a ten day grace period. Payments received in excess of ten days past due are subject to a late charge. There were a total of 15 installments that were received in excess of ten days past due. Additionally, our records reflect our collections department spoke with you via telephone 13 times during the last 12 months. The dates of these phone calls are as follows: October 11, 2014, October 15, 2014, October 29, 2014, November 7, 2014, December 8, 2014, January 13, 2015, January 30, 2015, February 24, 2015, May 6, 2015, May 7, 2015, July 1, 2015, August 11, 2015, and October 5, 2015. Unfortunately, Ms. [redacted] , because the payments were made outside of grace period, we are not in agreement the late charge balance should be reversed and are unable to honor your request. Ms. [redacted] , your vehicle was repossessed on October 4, 2015 due to being past due three monthly installments. Our records indicate your last payment was August 19, 2015 which was applied to your June 21 payment. Your Notice of Sale outlining the remaining balance for your account was sent to you via regular mail on October 5, 2015. Pursuant to the Notice of Sale, you are able to reinstate the account for the past due balance including late fees and repossession fees totaling $1,859.70. Alternatively, you may choose to pay the account in full. Unfortunately, we are unable to honor your request to allow you to pay a lesser amount or take more time to pay off the reinstatement amount due. Please be advised, failure to reinstate or payoff your account balance in full, could result in additional reporting on your account as a charge off on your credit report. As stated in your Contract, BMW Financial Services would then sell the vehicle at Auction. When the sale is complete, your account will be updated reflecting the sale and proceeds. Your final invoice outlining the remaining balance for your account will be sent to you via regular mail within 2 to 3 weeks of this date. If you have any questions, please contact me, Matt M [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.

Dear Mr [redacted] : Thank you for allowing BMW Financial Services the opportunity to response to your recent complaint submitted to the Revdex.com regarding the repossession of your vehicleWe hope the following information and explanation will answer your requestsBMW Financial Services is committed to reporting account information to the credit reporting agenciesIn an effort to resolve your request, we researched your account and verified we are reporting your Account Status as “Paid or closed account/zero balance” with a Special Comment Code of “Redeemed or reinstated repossession”Mr [redacted] , on January 26, we were contacted by [redacted] and advised your vehicle had been abandoned in their lot since December 19, On February 16, we were again contacted by [redacted] and advised your vehicle was still in their lotIn order to pick up our collateral, BMW Financial Services was required to pay [redacted] for days of storage at $per day between December 19, and February 19, Your vehicle was ultimately repossessed from [redacted] on February 23, BMW Financial Services was invoiced and paid $4,in storage and towing fees to [redacted] Pursuant to Section of your signed Motor Vehicle Retail Installment Contract (Contract), you agree not to abandon your vehicleUnfortunately, your correspondence does not provide sufficient justification to refund your repossession fees or remove the repossession from your credit reportIf 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 I [redacted] Senior Account Specialist BMW Financial Services NA, LLC

Dear MsW***:Thank you for contacting BMW Financial Services regarding our collection efforts and payment options for the above referenced accountWe appreciate the opportunity to address your concerns through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaintFirst, we would like to wish you and your unborn child good healthIt is not our intention to place any undue stress on you or your familyAs of the date of this letter your account is days past due for your September 1, payment due dateIn an effort to collect on your past due balance BMW Financial Services is actively engaging in an outbound campaign via our representatives and automatic dialing technology in order to contact you and make appropriate payment arrangementsOur records confirm payment in the amount of $was remitted October 31, via [redacted] and was posted to your account on November 1, $of this payment was applied toward the satisfaction of your August 1, payment due date and was received days past due$of this payment was applied toward your outstanding September 1, payment due dateAs of the date of this letter $remains outstanding for your September 1, payment due dateAlthough you have been notifying BMW Financial Services of your intent to remit payments, as you were advised October 23, 2017, further collections activities continue until such time as delinquent status has been sufficiently reducedAdditionally, your vehicle risks being requested for repossession until your balance is paid under days past dueWhile we keep detailed notes regarding our conversations and interactions with customers, your current delinquent status requires we continue our collections efforts until your delinquency has been sufficiently reducedAt this time, due to the delinquent status of your account and the insufficient funds return of both your July 29, and August 31, payments, we are requiring you to remit payment via certified funds like [redacted] ***, money order, or debit card until your account has been paid currentPlease be advised, not all banks participate in the BMW Financial Services PIN-less debit network and subsequently not all debit card can be processed as a payment sourceAlthough we understand your concern regarding this requirement it has been determined necessary in order to ensure your future payments are successfulOnce your account has been paid current we will withdraw our certified funds requirement and allow you to resume posting Automated Clearing House (ACH) payments using your bank routing and account numbersHowever, we may reinstate our certified funds requirement in the future should additional payments be returned or unsuccessfulWe are unable to accommodate your request we reimburse you for fees paid to [redacted] in association the required certified funds paymentsAdditionally, payment can be made to your account in any amount you choose; however, your delinquency will only be reduced up receipt of your full $monthly installment amountIf you have any questions, please contact me, Marshall B [redacted] at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letter.Yours sincerely,Marshall B***Senior Account SpecialistBMW Financial Services NA, LLC

Dear Ms***:
Thank you for response 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 clarify your concerns
Unfortunately, we are not able to edit the balance history on your credit reportThis field is maintained solely by the credit reporting agencies, and is not an editable field for data furnishersYou will need to dispute this directly with the credit reporting agenciesAs mentioned in our previous response, we have updated the credit reporting agencies to remove any negative reporting for you or *** *** after the date you filed for bankruptcyWe are no longer reporting the repossession or subsequent charge off
Please allow up to days for all of the credit reporting agencies to change the information in their systemsIf 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 ###-###-####, or by mail to either address listed belowPlease ensure they include your signed authorization with their request
If you have any questions, please contact me, Kaylan L*** at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letter

Dear Ms***: Thank you for allowing MINI Financial Services the opportunity to address your concerns regarding the repossession of your vehicle through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint Ms***, our notes indicate you advised you would attempt to remit a payment by the end of June after deferring your April and May paymentsUnfortunately, no payment was received and your vehicle was repossessed on August 8, A Notice of Sale was sent certified mail in accordance with Maryland state law on August 9, Additionally, a copy of the Notice of Sale was also emailed to you after speaking with you on August 19, We have enclosed a copy of the Notice of Sale for your review Your account was reinstated on August 25, and will be reported as “Current” with a Special Comment Code of “Redeemed or Reinstated Repossession” with our next monthly update to the credit reporting agenciesUnfortunately, your correspondence does not provide sufficient justification to remove any fees or derogatory information from your credit report If you have any questions, please contact me, Paul I*** at ###-###-####, Monday through Friday, from 8:a.mto 5:p.mET, or by mail at either address listed on this letterYours sincerely, Paul I*** Senior Account Specialist MINI Financial Services