Auto Art

Dear MsQ** Thank you for giving us 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 complaint MINI Financial Services NA, LLC is a separate
financing entity from the independently owned and operated MINI centersAs such we are only able to address issues dealing with your Motor Vehicle Lease Agreement (Lease Agreement), or your account with usAny agreement you may have with MIN of Portland exists between you and MINI of Portland only; we cannot enforce any agreements made outside the parameters of your existing Lease Agreement Our records indicate that when the vehicle was returned on October 31, 2016, of the monthly payments had been madeSection of the Lease Agreement advises a total of monthly payments are due to fulfill the Lease Agreement; therefore, three payments in the amount of $remain due, totaling $1, The $disposition fee is a contractual fee disclosed in Section and further discussed in Section of your Lease AgreementThe disposition fee is assessed to compensate for the expenses of selling or otherwise disposing of the vehicleThese expenses may include vehicle cleaning and reconditioning costs, vehicle inspection fees, transportation costs, storage fees, auction fees, administrative costs and funding costs until the vehicle is finally soldAs a loyalty reward, the disposition fee is waived if you finance or lease your next new or certified pre-owned MINI financed through MINI Financial Services either two months prior or within six months after the end of your lease term After a review of your account we feel the charges are fair and valid and should not be waivedThe total balance with the monthly payments and the disposition fee is $1,To close your account, please direct your check (including your account number in the memo section of the check) for $1,to: MINI Financial Services PO Box Phoenix AZ 85062- We are committed to providing you with the highest level of serviceIf you have any questions, please contact us at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letterBest regards, *** ***
*** ** *** *** MINI Financial Services c: Central Ohio Revdex.com

Dear Ms***: Thank you for giving us the opportunity to address your issue regarding payments through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint Ms***, we can confirm that
on October 21, 2016, we received two payments processed on central.alpherafs.comWe were made aware that the second payment was made in error during your call to us on October 26, 2016. In order to refund the duplicate payment, we requested a copy of your bank statement showing both payments clearing successfullyDocumentation was received on November 1, 2016, and the refund for $was approved on that dateAdditionally, we can confirm that the refund was issued electronically on November 4, Please allow to business for the funds to be deposited in your account from that date We are committed to providing you with the highest level of serviceIf you have any questions, please contact me, Jennifer N*** at ###-###-####, Monday through Friday, from 9:a.mto 6:p.m.ET, or by mail at either address listed on this letterBest regards, *** *** Senior Account Specialist BMW Financial Services NA, LLC

Dear Mr***: 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 Enclosed for your review is
a copy of your transaction statement, detailing your payment history with us; a copy of your Retail Installment Contract (Contract), confirming the terms and conditions of your financing with us; the Notice of Sale, detailing our intent to sell the vehicle if the account was not reinstated or redeemed; and the Auction Sale BreakdownThe enclosed documents confirm your financial obligation with BMW Financial Services. Mr***, as a financial services provider we are required to report payment histories pursuant to established guidelinesOur records reflect your account was reported as 30-days past due on eight occasions, 60-days past due on five occasions, 90-days past due on two occasions, 120-days past due on one occasion, and 150-days past due on one occasionAdditionally, the account was previously reported as an involuntary repossession, and was last reported in April with an Account Status of “Account paid in full, was a charge off.” Our records reflect that you settled the account by paying $5,of the $11,that was owed on the account. As a result, a comment code reflecting the account was paid in full for less than the full balance is included in our reportingBecause we have no evidence indicating the details of our reporting of your account is not accurate, we are unable to accommodate your request to remove any delinquencies from your credit reportAs a result of your dispute, we will be providing an update to the credit reporting agencies to reflect the results of our investigation If you have any questions, please contact a Customer Service Advocate at ###-###-####, Monday through Thursday, from 9:a.mto 9:p.mET and Friday from 9:a.mto 6:p.mET, or by mail at either address listed on the left hand side of this letter Yours sincerely, Michael G*** Credit Dispute Specialist BMW Financial Services NA, LLC

I am rejecting this response because: I do not think fair and they just blame each other and hurt people I would not use them anyway

Dear Ms***: Thank you for giving us the opportunity to address your concerns regarding the above referenced account through the Revdex.com complaint processWe regret our previous response did not assist you fully, and hope the following information and explanation will answer the issues addressed in your complaint According to our records, the total balance needed to retrieve your vehicle remains $51,In June of 2016, due to the severe delinquency, we decided to pursue our rights to legal action prior to your account being charged offWe can confirm we received a payment from you in the amount of $9,on August 3, Unfortunately, since the legal action was already being pursued, we were unable to accept that paymentOn August 10, 2016, we informed you we would have required remittance of the full payoff, or for the vehicle to be returned to us Ms***, we are in receipt of the documentation you recently submitted with your complaintPlease be aware this documentation contains an arbitration agreement between yourself and the dealershipAll of our BMW dealerships are separately owned and operated, and therefore their arbitration agreements would not apply to BMW Financial ServicesHowever, if we are notified by an arbitrator that they intend to administer an arbitration, we will respond appropriatelyAt this time, our response remains unchangedIf you have any questions, please contact us at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mETYours sincerely,Jessica H***Recovery Specialist BMW Financial Services NA, LLC

Dear Mr***:Thank you for allowing MINI Financial Services the opportunity to respond to your recent complaint submitted through the Revdex.com regarding your payment deferralWe hope the following information and explanation will answer your request.Mr***, we reviewed your October 4, telephone call and confirmed you were advised an electronic signature was required to process your defermentUnfortunately, because you did not sign the deferral agreement prior to your account becoming days past due, we are unable to remove any delinquencies from your credit reportHowever, a deferment exception was offered by MINI Financial Services and accepted by you on November 2, Your September and October payments were deferred, and your next payment is due November 16, 2016. If you have any questions, please contact me, Paul I*** at ###-###-####, Monday through Friday, from a.mto 5:p.m, or by mail at either address listed on this letter.Yours sincerely, Paul I*** Senior Account SpecialistMINI Financial Services

Dear Ms***: Thank you for giving us the opportunity to address your issue regarding the above referenced account through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint Ms***,
we understand from your complaint you would like to have your vehicle returned to youSince your vehicle has been repossessed, you would be required to pay the full balance due on the account of $51,in order to retrieve your vehicleWe have enclosed a copy of the notice of sale letter sent to you on December 5, Due to the severe delinquency on your account, we decided to pursue our rights to legal action before the account was charged offThe vehicle will be sold at auction, and if there is a balance remaining after the sale, you are responsible for paying it. If you have any questions, please contact us at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mETYours sincerely, Jered S*** Recovery Specialist BMW Financial Services NA, LLC

Dear Mr***:
Thank you for giving us the opportunity to address your issue regarding the payoff through the Revdex.com complaint processWe hope that the following information and explanation will answer the issues addressed in your complaint
Mr***, first
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 after you traded your BMW 128i convertibleWe value your feedback and the opportunity to improve our service, so that issues such as those you experienced do not recur
Pursuant to the terms of your Retail Installment Contract on your maturity date, September 7, 2015, the payoff of your vehicle, including your last monthly payment and the balloon payment of $18,became dueWhile we understand your vehicle was traded to *** BMW on September 7, 2015, because the payoff of your vehicle was not received by September 13, and your account was six days past due, a past due notification was issued
As a service to our customers, we will attempt to notify them of the status of their accounts to prevent the account from becoming further past due and to avoid the escalation of collection activityWe deeply regret any distress our email may have caused
Mr***, we received the payoff on September 15, in the amount of $19,from *** BMWAs of September 15, your account has been paid in full and is now closed
We are committed to providing you with the highest level of serviceIf you have any questions, please contact me, Brady H*** at (800) 578-5000, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letter
Yours sincerely,
Brady H***
Senior Account Specialist
BMW Financial Services NA, LLC

Dear Ms***: Thank you for giving us the opportunity to address your issue regarding the tire charges on the above referenced account through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint
The Motor Vehicle Lease Agreement (Lease Agreement) outlines customer responsibilities prior to the return of the vehicle, such as obtaining an inspectionAdditionally, in the terms of your Lease Agreement, you agreed to pay for any costs related to excessive wear and useAny tire depth measurement lower than 4/32’ or 1/8”, is considered excess wear and tear by BMW Financial ServicesOur records indicate that an inspection was completed prior to the return of the vehicle on September 18, The inspection indicated the right front, left front, and right rear tires were below the contractual tread depth with each tire billed at $The inspection report states, “you may repair any of the damage indicated above prior to that timeA receipted repair order of any repairs you make to the vehicle must be faxed to BMW FS in order for these amounts to be taken off your bill.” We have not received your itemized repair receipt as of this pointPlease forward an itemized repair receipt to us via email at *** or via fax at ###-###-####After the repair receipt is reviewed we will make any necessary changes to your account We are committed to providing you with the highest level of serviceIf you have any questions, please contact and End of Term Specialist at ###-###-####, Monday through Thursday, from 9:a.mto 9:p.mand Friday 9:00a.mto 6:00p.mET, or by mail at either address listed on this letterYours sincerely, Carson F* End of Term Specialist BMW Financial Services NA, LLC

Dear
Ms***:
Thank you for your letter
regarding the delinquency and subsequent repossession of the above referenced
accountWe hope that the following information and explanation will answer the
issues addressed in your letter
We regret to hear of the
issues
you experienced with your vehicle and of the safety concerns you have
with your vehicleWe appreciate your sharing this information with us;
however, all issues pertaining to the performance or manufacturing of the
vehicle, and the service provided by the BMW center are handled by BMW of North
America, LLC. If you would like to
contact the Customer Relations Department, you may do so by calling (800)
831-
BMW Financial Services
repossessed the vehicle on March 16, because the account was days past
dueNo payment has been received since February 5, The process for BMW
Financial Services to have a decision as to whether the contract will be
reinstated, or the vehicle would be held for the payoff in full, can take up to
hoursOur records indicate you contacted BMW Financial Services on March
18, and were provided the decision to allow reinstatement
If you have any questions,
please contact me, Elizabeth S***, at (866) 425-7437, Monday through Friday,
from 9:a.mto 6:p.mET, or by
mail at either address listed on this letter
Yours sincerely,
Elizabeth S***
Repossession Analyst
Alphera Financial Services

FW: ID *** Mon, 03/14/12:pm Good Afternoon, I received documentation regarding my complaint and although I still do not agree with BMW and their practices regarding the tires, they have agreed to waive $from our statementI am well aware of the Section “35” that states the wear and tear of the (3) tires but that STILL DOES NOT explain WHY tires with under 24,miles tire would have excessive wear and tearI still go back to my current statement that BMW puts cheap tires on their cars to get compensation! By the way, the inspection was signed by my husband and it was inspected and brought to our attention while we were signing papers for our current leaseIs that really fair? What were we supposed to do then? I am still not pleased by this situation and still will again think twice about leasing with BMW after our new lease is upStill VERY disappointed at the way the WHOLE situation was handled!

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 again and verified one payment was received 30-days past dueThe payment due August 11, was satisfied days past due on October 6, Our records indicate the ACH payment posted September 10, was returned with a bank reason of “No Account / Unable to Locate Account” on September 15, We agree this payment was not returned due to insufficient fundsIt was returned because you entered an incorrect account numberThe payment confirmation for the previously mentioned payment, which did not clear, showed a date of September 9, However, the verbiage above the payment information states “payments submitted through 11:p.mET will be credited to your account the same day.” Your attempted payment was made at 12:a.mET on September 10, The payment confirmation also shows the bank account information entered online for the payment was incorrect Please also be advised, your September 10, payment attempt was submitted via ACH and was not pre-authorized like a debit card transactionBMW Financial Services had no way of knowing your ACH payment would be returned prior to receiving notification from your bankAccount alerts were subsequently sent to ***, which is the email address associated with your My BMW online accountAdditionally, the monthly Account Statement sent to you on September 22, reflects the payment as having been returnedLastly, our records show you logged into your My BMW online account ten times between September 18, and October 5, During that time, your My BMW online account would have reflected the past due status of your accountWhile we regret that despite the aforementioned, you still were unaware of your returned payment and past due account status, your account was days past due on September 10, and would still have been reported as delinquent even if your payment had successfully posted to your account 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 We are committed to providing you with the highest level of servicePursuant to the request made in your voicemail, I called you back at ###-###-#### and left a voicemail with my direct phone numberIf you chose not to call me back that is your decisionI did not forward your information to my manager and I did not indicate I wouldI can be contacted at ###-###-####, Monday through Friday, from 8:a.mto 5:p.mET, or by mail at either address listed on this letter Yours sincerely, Ryan C*** Special Accounts Team Leader BMW Financial Services NA, LLC

Dear Mr***: Thank you for giving us the opportunity to address your issue regarding a mileage refund through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint While we do offer
refunds for high mileage contracts, you terminated your lease more than days before the maturity date which voids any high mileage allowance refund as described in Section of your Motor Vehicle Lease AgreementFor this reason we are unable to accommodate your request to refund the unused mileage However, we appreciate that you have financed another vehicle with our brandThe disposition fee of $has been waived from your maturity statement and a $Unused Mileage Loyalty Credit will be applied to you BMW XxDrive40e account We are committed to providing you with the highest level of serviceIf you have any questions, please contact us at ###-###-####, Monday through Thursday, from 9:a.mto 9:p.mET, and Friday, from 9:a.mto 6:p.mETYours sincerely, Brice S*** Early End of Term Specialist BMW Financial Services NA, LLC

Dear Ms***: Thank you for giving us the opportunity to address your issue regarding end of lease charges through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint In the terms of your Motor Vehicle Lease Agreement (Lease Agreement), you agreed to pay for any costs related to excessive wear and useThe Lease Agreement 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 workAny tire tread depth measuring lower than 4/32’ or 1/8”, is considered excess wear and tearUnfortunately, the document you provided is a “dealer checklist” and not a final inspection report and cannot be used for billing purposesAdditionally, the customer is responsible for the vehicle until it is returned and the final inspection has been completedWe have enclosed a copy of the inspection report completed by a licensed inspector with photos for your recordsThe inspection indicated a small scrape on the left quarter panel, billed at $The inspection report also shows that the left rear, right front and right rear tires were below the contractual tread depth of 4/of an inch and each tire was billed at $ Ms*** our position remains unchangedWe feel the inspection report demonstrates excess wear and tear and is billed in accordance with your Lease AgreementOur records indicate the account was initially billed $1,which was for the disposition fee, the tires and the exterior excess wear and tearWe agreed to accept $1,as a settlement in full on your accountWe also agreed to setup an interest free payment plan on the settlementOur records indicate $has been paid so far towards the settlement with $remainingWe are unable to make any additional adjustments at this time We are committed to providing you with the highest level of serviceIf you have any questions, please contact us at ###-###-####, Monday through Thursday, from 9:a.mto 9:p.mET, and Friday, from 9:a.mto 6:p.mETYours sincerely, Carson F* End of Term Specialist BMW Financial Services NA, LLC enclosure: inspection

Dear Mr***: Thank you for allowing BMW Financial Services to respond to your recent complaint submitted through the Revdex.com regarding the repossession of your vehiclesWe hope the following information and explanation will assist you Mr***, BMW financial Services had reason to believe your vehicles were being used for rental purposes; however, your accounts were also past dueWe spoke with you on January 20, and advised both of your accounts were at risk for escalated collection activity until a payment was receivedYou did not satisfy your past due balance and both of your vehicles were repossessed for being in default of your Motor Vehicle Retail Installment Contract (Contract)Copies of your Contracts were provided with our July 26, responses Our initial response was issued to you on July 26, You directly messaged a dispute through LinkedIn on August 22, and August 26, Your dispute was forwarded and placed through BMW Financial Services correspondence processA response letter was drafted and sent to you through the United States Postal Service on August 31, At no time have we attempted to contact you through LinkedIn or Facebook Our responses have not included my direct contact informationIf you have any questions, please contact a Recovery Specialist at ###-###-#### Monday through Friday, from 9:a.mto 9:p.mET, or by mail at either address listed on this letter Yours sincerely, Paul I*** Senior Account Specialist BMW Financial Services NA, LLC

Dear Mr*** Thank you for giving us the opportunity to address your issue regarding excess wear and use through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint After further review of your account, we have billed from the AutoVIN inspection performed on December 24, We have confirmed with the body shop at *** *** that two tires have been replaced and mounted on the vehicleThe charges for the right front tire and right rear tire have been removed from your accountAs of the date of this letter, the referenced account has been closedWe have enclosed a copy of the release letter for your records We are committed to providing you with the highest level of serviceIf you have any questions, please contact us at ###-###-####, Monday through Thursday, from 9:a.mto 9:p.mET, and Friday, from 9:a.mto 6:p.mETYours sincerely, Tyler M*** End of Term Specialist BMW Financial Services NA, LLC

Dear Mr***: Thank you for giving us the opportunity to address your issue regarding the mechanical charge through the Revdex.com complaint processWe hope the
following information and explanation will answer the issues addressed in your complaint As a result of a review of your account and inspection report prompted by your correspondence, we have removed the mechanical charge on your accountAs of the date of this letter, the updated balance on your account is $We have enclosed an updated Account Statement for your records BMW Financial Services prides itself on offering premium customer serviceWe regret to learn your lease end experience and interactions with BMW Financial Services did not meet your expectationsWe value customer feedback as it can help improve our processes which ultimately will improve our customers’ experiencesIf you have any questions, please contact us at ###-###-####, Monday through Thursday, from 9:a.mto 9:p.mET, and Friday, from 9:a.mto 6:p.mET Yours sincerely, Carson F* End of Term Specialist BMW Financial Services NA, LLC

Here are my letters and Credit Report Document to support my claim against BMW FINANCIAL SERVICESI hired a credit repair company months ago to fix this situation but apparently they weren't doing anything right so I have to do everything myselfBMW FINANCIAL SERVICES is reporting a fraudulent account that I NEVER openedI've been a victim of identity theft since I mailed and faxed the credit bureaus and BMW FINANCIAL SERVICES my identity theft affidavit and police report(old and current)Plus the fraudulent account was opened on 06/01/BMW FINANCIAL SERVICES is reporting to the credit bureaus a fraudulent account opened on my birthday June 1st This situation has NOT been resolved in nearly two years"I'm requesting paperwork that was NEVER provided to me"PLEASE have BMW FINANCIAL SERVICES send the you(Revdex.com) and myself, FULL PROOF that this account was indeed opened on June 1st 2014(my birthday)I did NOT opened this accountPlease have BMW FINANCIAL SERVICES remove/delete this fraudulent account off their data base, my name and social

Dear Mr***:
Thank you for giving us the opportunity to address your concerns regarding the identity theft complaint through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint
Mr***,
we are sorry our previous responses have not resolved this matter entirelyWhile we understand your claim all of the information to commit an identity theft would accurately reflect your information, after reviewing your claim of identity theft we determined this account was not opened fraudulently
The credit application submitted at the time the Retail Installment Contract (Contract) was negotiated and signed, stated an address of:
This was the address used the entire time the account was open and was where all correspondence was mailedWe did not receive any communication from you inquiring why you were receiving this informationAdditionally, the vehicle was registered to *** *** at that addressThe driver’s license number from the license submitted to the dealership at the time the Contract was signed matches the driver’s license number license submitted with the identity theft documentation and bears this same address
The phone number used on the credit application was (323) 293***. This is the same phone number listed on the fraud affidavit and the number we used to leave numerous messages for you to contact us
Our records confirm we were contacted from telephone number of (213) 444-***This phone number reverses to *** *** at the address referenced above
Mr***, we confirmed the above referenced vehicle was impounded July 19, at *** *** Towing*** *** Towing confirmed this vehicle was picked up by *** *** the same day it was impoundedYou may contact *** *** Towing directly at (323) 934-***
Additionally, we confirmed the vehicle was impounded on November 13, at *** and *** Their records confirm the vehicle was picked up by *** *** on December 11, Should you have questions for *** and ***, you may contact them at (323) 733-***
Our records indicate in August we were notified the above referenced vehicle was stolen. A claim was opened with *** Insurance Services under the name of *** ***Ultimately, the insurance company denied the insurance claim
Mr***, our response remains unchangedOur records indicate we have reviewed your request to investigate a possible identity theft claim and are unable to confirm this account was established fraudulentlyIf you have additional documentation supporting your claim, please submit such evidence to us, so we may review your request
If you have any questions, please contact us at (800) 398-***, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letter
Yours sincerely,
BMW Financial Services NA, LLC

Dear Ms***: Thank you for giving us another opportunity to address your concerns regarding your vehicle return options through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your rejection of our previous response Ms***, upon further research, we were able to confirm that on December 14, 2015, a representative advised that it may be approved to take the vehicle to Germany, and that the vehicle could be returned thereAlthough incorrect information was provided during that telephone call, we were unable to accommodate your request to take the vehicle to Germany and return the vehicle to a German BMW retailer due to the restrictions set forth in Section of your Motor Vehicle Lease Agreement (Lease Agreement)Because you are unable to use the vehicle in Germany, we were unable to provide permission to take the vehicle to Germany BMW Financial Services prides itself in offering premium customer serviceWe truly apologize for any frustration and inconvenience this situation has causedWe can confirm your account was paid in full and closed on September 22, We have since received billing for your property tax from the City of Alexandria in the amount of $As a gesture of apology, we are crediting the account for the $dueAdditionally, we have included a $1,Loyalty Certificate you may use once you have returned to the United States We are committed to providing you with the highest level of serviceIf you have any questions, please contact me, Jennifer N*** at (800) 578-5000, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letterYours sincerely, Jennifer N*** Senior Account Specialist BMW Financial Services NA, LLC enclosure: Loyalty Certificate