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Could Ms*** kindly provide us with her BMW FS account number? We are currently unable to locate her referenced account with us. Thank you, Allison --BMW GroupFinancial Services Allison
C***Customer Correspondence Specialist *** *** Parkway Web: http://www.bmwusa.com/fs

Dear Mr*** Thank you for giving us the opportunity to address your issue regarding identity theft through the Revdex.com complaint processWe hope that the following information and explanation will answer the issues addressed in your complaint We have previously
researched your identity theft claim and determined the referenced account was not opened as a result of identity theft. Our records indicate a letter was mailed to you on June 27, advising you we determined your account was not fraudulently opened After reviewing the account, you are still responsible for the remaining deficiency balance of $10,Consequently, we are unable to accommodate your request to remove the account, or tradeline, from your credit report If you have any questions, please contact me, Janeen M*** at ###-###-####, Monday through Friday, from 9:a.mto 5:p.mET, or by mail at either address listed on this letter Yours sincerely, Janeen M*** Suspicious Activity Reporting Specialist BMW Financial Services NA, LLC

Dear Ms***:
Thank you for giving us the opportunity to address your concern regarding the application we received for new financing through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your
complaint
Ms***, upon receipt of your correspondence, we researched your request and verified the inquiry appearing on your credit reportOur records reflect your information was submitted to up2drive on May 2, through myautoloan.comFor information regarding the application process through myautoloan.com, we recommend you contact them directly.
In your correspondence you stated you did not authorize this credit application to be submittedWhile we regret to learn of your situation, because we have no evidence the application was submitted without your authorization, we are unable to accommodate your request to remove the inquiry from your credit report at this time
However, we are happy to continue working with you to resolve your concernsPlease complete and sign the enclosed Fraud Affidavit in the presence of a notary publicThe information you provide will be used to process your affidavit and to investigate the events you reportedPlease return the original affidavit, a copy of the police report, and proof of residency from the time the fraud occurred, along with a copy of your driver's license to up2drive at the following address:
up2drive
Britton Parkway
Hilliard OH
ATTN: Collections Department
If you have any questions, please contact a Collections Specialist at *** ***, Monday through Friday, from 9:a.mto 9:p.mET, or by mail at either address listed on this letter
Yours sincerely,
Allison C
Customer Correspondence Specialist
BMW Financial Services NA, LLC
enclosure: Fraud Affidavit

Dear Mr***:Thank you for your letter of today's d***As specifically thre***ned by *** INSURANCE on behalf of BMW/BMW Finance, the attached BMW Finance 1/9/2018letter is in direct retaliation against me for my refusal to accept *** Insurance's standard 'low ball' settlement
offerThere are several major nationallawsuits against *** Insurance re: its national practice and policy of low ball claims and deceptive practices.And of course,the BMW Loan at issue is fully current, and not in default.Please note that when I called BMW Finance to ask why BMW Finance is calling in a fully current loan, I spoke with BMWFinance Customer Relations Supervisor Andre T*** MrT***'s telephone number is *** ***EXTENSION ***Hewould not provide his email address.MrT*** specifically directed me to contact BMW USA (not BMW FINANCE) for attempts to resolve this clearly retaliatoryBMW/BMW FINANCE action.Since April 2017, BMW USA is and has been aware of this TAG TEAM FINANCIAL FRAUD.In April when my Three (3)Times NHTSA recalled BMW caused my severe injuries, I repeatedly contacted BMW USATherewas no response until l*** November when I was finally contacted by BMW USA's MrRoshad P*** who demandedaccess to my Total Loss BMW vehicleSince *** Insurance had taken my 'Total Loss' vehicle and refused to eitherprovide access to my vehicle or pay for it since April 2017, I would not allow BMW USA access to a vehicle which I wasnot allowed to see or control since April 2017.BMW Finance's attached retaliatory 1/9/Demand Letter resulted.Please note that the unverified$figure demanded by BMW Finance to be paid BY ME BY THIS FRIDAY in its attached 1/9/is intentionally incorrectAsconfirmed by the *** BMW Bait and Switch email below,the correct payoff figure is $6449.94.In addition to federal complaints filed with the FTC and NHTSA, on behalf of the Florida Attorney General's Office, Mr.*** ***, is also reviewing this BMW/BMW Financial*** Insurance TAG TEAM Financial Fraud.Thank you for your consideration

You did not attach my account statements as stated in your emailToday is August and I still have not received my bill which was also stated in your responseI appreciate your effort in trying to resolve this matter, but again, where are my monthly statements?? The bill was due August

Thank you for giving us the opportunity to address 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
Upon receipt of your complaint, we reviewed our
account records and confirmed the plan of your Chapter bankruptcy was to surrender the vehicle to BMW Financial Services. We received confirmation on June 11, that the Chapter bankruptcy stay was lifted on May 7, The vehicle was placed out for repossession with *** *** *** and secured on June 15, Although we empathize with your situation, we are unable to accommodate your request for compensation for the propertyThe recovery of any personal property within the vehicle would need to be discussed with *** *** *** at (800) 398-
Yours sincerely,
Karyn C***
Collections Team Lead
BMW Financial Services NA, LLC

I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***

Dear Ms***: Thank you for giving us the opportunity to address your most recent concerns regarding your title through the Revdex.com complaint processWe hope the following information and explanation will answer the issues raised in your rejection of our previous response Ms***, we understand your stance that there is a cost with correcting the name on a title in CaliforniaHowever, as referenced in our previous response, the California Department of Motor Vehicles (DMV) in California specifically states there is no charge for the process of correcting the name on a titleFrom our understanding, this is a different process than transferring the name on the title to another party, or removing a lien holder on a titleIt is possible there may be a charge for either of these processesThese are separate processes from correcting the name on a titleWe recommend confirming the specific costs associated with the processes of transferring the title to another party or removing a lien holder removed with the California DMV directly While we can appreciate your stance and rejection of our previous response, ultimately there is no charge with the California DMV for the process you are requesting of correcting your name on the titleShould your local DMV provide you alternate information regarding a charge for correcting the name on a title, please forward any state documentation, and we would be happy to review your concerns furtherAt this time, our decision remains unchanged We are committed to providing you with the highest level of serviceIf you have any questions, please contact me, Kyle C*** at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letterYours sincerely, Kyle C*** Senior Account Specialist BMW Financial Services NA, LLC Tell us why here

BMW continues to respond with information that supports my complaint but does not realize it because persons responding are unfamiliar with the underlying regulatory requirement that governs it- the same requirement that prompted the CFPB to escalate it to the FTC Long explanations about how BMW handles finance charges on late payments have absolutely nothing to do with my concern Again, at no time did BMW disclose to me the terms and conditions associated with the "deferment option" offered At no place in my contract is there language that says if I elect to use a deferment option, I would be agreeing to make a huge balloon payment at the end of the loan equivalent to nearly five car paymentsThe fact that BMW doesn't define this as a balloon payment is not important because the regulations are clear that it is BMW intentionally engaged in intentionally deceptive practices against me and likely many other customers to increase profits Had the terms and conditions associated with electing to use a deferment option been disclosed, there is NO WAY that I or any person in their right mind would have accepted themBMW needs to be held accountable for this grossly unethical practice

The address shown on the paperwork is not my *** *** address Next, I don't sign my documents that way Next, I don't recognize the account number associated with this matter Next, I don't owe BMW anything Kindly remove this BMW account from my credit report Thank you
Regards,
*** ***

Revdex.com:
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me

I am still working on this complaint (#***) and do not want it closedPlease reopen and submit the response below to rebut the response received from BMW Financial. My response to BMW letter Dated October 18, 2016.Just before I turned my lease car in to BMW in *** ***, a woman came to my home from a pre-lease turn in inspection company hired by BMWThe purpose of the inspection was to see what my specifically needed prior to returning it to BMWAfter her thorough inspection, she stated I needed to replace TWO not FOUR tires prior to returning my car to BMWPlease request a copy of this report from BMW if needed as this was an important part of my complaint which BMW never acknowledgedAgain, two tires were good and two tires needed replacement per BMW's pre-turn in lease inspection companyAgain, as instructed by BMW's agent, I replaced the two tires that had unacceptable tread per the inspectorBMW should have a copy of her report and should read itThis inspection took place a very short time before I turned the vehicle in so the tires she said were acceptable did not magically turn bad the short time and short miles before turn in.Again, I then turn the vehicle with the two tires replaced as directed waited hour for their inspection at the BMW dealer in *** *** and at that point the vehicle was turned in to them and inspectedAre they seriously telling me that AFTER I turned the vehicle into their possession left the premises and some point in time later the vehicle was inspected and magically needed two more tires replaced? Why wasn't I told this at the pre-lease inspection at my home or at the dealer when I dropped the car off? I would have been afforded the opportunity to purchase two more tires at approximately $instead of them charging me $for new tires which I WAS NOT REQUIRED TO PURCHASE, I was required only to install acceptable tires which I can get from *** again for $or so for twoThis is a sham and an intolerable way to do businessAnd to receive a response from BMW stating "Section of your Lease lists examples of what is considered excessive wear and use, including tires with tread depth of less than 4/32" remaining at the shallowest point." is condescending at least as I spoke with the woman they sent to my house, she told me TWO tires not FOUR tires were below the 4/32" minimum depth. Please respond to this complaint follow-up.Thank you,*** ***
*** ***

Thank you for allowing BMW Financial Services the opportunity to respond to your recent complaint submitted through the Revdex.com complaint process regarding your final paymentWe hope the following information and explanation will answer your request.Ms***, our May 23,
response to your complaint submitted through the Consumer Financial Protection Bureau (CFPB) complaint process remains unchangedAll interest and charges were billed in accordance with your Retail Installment Sale Contract (Contract)Additional finance charges accrued to your account as a result of five payment deferrals and payments satisfied after your Contractual payment due dateAs a courtesy, we have enclosed a copy of our response issued through the CFPB for your review. If you have any questions regarding your account with BMW Financial Services, please contact me, Paul Ivinskas at ###-###-####, Monday through Friday, from 8:a.mto 5:p.mET, or by mail at either address listed on this letter

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 issue 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 customersUpon receipt of your complaint, we again reviewed your account and verified one payment was received 30-days past dueThe payment due on June 28, was received days past due on August 5,
Mr***, we regret to learn our previous responses did not completely resolve your concernsWe understand you are alleging you updated your banking information through your My BMW account in January of Our records indicate you processed numerous one-time payments through your My BMW online account and with a representative after January of Prior to submitting each payment, you are required to verify the last four digits of the account number you are usingTherefore, we are unable to confirm BMW Financial Services used the “wrong bank account”
Our response remains unchangedWe are unable to change the way we are reporting your payment history to the credit reporting agenciesOur documentation indicates the information we reported to the credit reporting agencies is correct
If you have any questions, please contact me, *** *** at ###-###-####, Monday through Friday, from 9:a.mto 5:p.mET, or by mail at either address listed on this letter
Yours sincerely,
*** ***
Senior Account Specialist
BMW Financial Services NA, LLC

Dear Mr***: Thank you for giving us the opportunity to address your issue regarding the end of lease 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 Our records show we previously responded to two complaints through the Consumer Financial Protection Bureau (CFPB) on July 21, and August 23, 2017, respectivelyWe have enclosed copies of each response for your review Our records indicate a pre-inspection was completed by AutoVIN of April 18, The reason BMW Financial Services encourages customers to obtain a pre-inspection is to make them aware of potential excess wear and tear charges that might be billed upon lease turn-in; however, as the pre-inspection discloses, “[t]his is not a billYour final excess wear-and-use charges will be determined based on the condition of your vehicle at the time it is turned in to a BMW center.” The pre-inspection is intended only to document observable wear and use issues such as dents, scratches and tire tread depthAs such, we reserve the right to order a new inspection if chargeable excess wear and tear items are not documented on the original reportThe final inspection completed by AutoVIN on June 13, 2017, after the return of the vehicle, indicated the modified suspension and provided photographic evidence of the non-manufacturer replacement partsThe replacement of the aftermarket suspension was billed at $1, While we understand you claim to have been unaware of the aftermarket parts placed on the vehicle prior to the completion of the assumption, we are unable to remove valid charges because this information was not disclosed by the original lessee Since our July 21, CFPB response, we have agreed to remove $from the charge for the modified suspension as a courtesy leaving a current balance of $1,We have enclosed a current Account Statement for your recordsWe are unable to make any further adjustments as we feel the charges are assessed in accordance to the terms of your Lease Agreement To close your account, please remit payment to BMW Financial Services in the amount of $1,You can process your payment by credit card or UltimatePay (automatic debit from your checking or savings account) through your My BMW online account at bmwusa.com or through our automated telephone service, hours a day, by calling ###-###-####Please note, your card issuer may impose a cash advance fee or other charges for paying BMW Financial Services by credit cardFees and other charges are imposed by your card issuer and not BMW Financial ServicesAlternatively, you may direct your check (with the account number in the memo line) to the payment address listed below BMW Financial Services PO Box *** Phoenix AZ *** 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 enclosures: CFPB responses Account Statement c: Central Ohio Revdex.com

Dear Ms***: Thank you for giving us the opportunity to address your issue regarding your title through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint We understand from your
correspondence your concerns are regarding the name reflected on the title for the above referenced accountAfter reviewing your account we can confirm the receipt of a California Department of Motor Vehicles (DMV) form REG on December 12, This form is required by the California DMV to process a request to correct a name on a titleInitially, California held the title information for the above referenced vehicle electronicallyUpon receipt of this form our Titles Department proceeded to order a paper title from CaliforniaWhile BMW Financial Services attempts to advise our customers of appropriate timeframes for other entities, such as the California DMV, these timeframes can fluctuate as the processes are those of the third party and not BMW Financial ServicesYour correspondence references an advised timeframe seven to ten business daysOur records confirm the California paper title was received on December 28, Our records confirm the timeframe of seven to ten business days, as referenced in your correspondence, was advised to you during a telephone conversation with our representative on December 20, During that conversation our representative specified the timeframe was specifically regarding our anticipation of receiving the paper title from CaliforniaOnce the paper title is received all requests are processed in the order in which they are received Ms***, we understand you were under the impression the entire name change process for your title would only take seven to ten business daysHowever, from our recent experience of working with the California DMV the process can take several weeks to complete after the request is filedAs your payoff was received effective January 9, we are unable to continue with your requested name change at this timeYour California paper title was released to you on January 27, after a fifteen business day hold due to non-certified funds To address your concerns of the cost associated with correcting the name on your California title we have researched the process with the California DMV directlyFrom our experience as well as the California DMV website, there is no charge to correct the name on a title in CaliforniaThe California DMV website specifically states, “There is no cost to change or correct your name; unless an Application for Duplicate or Paperless Title (REG 227) (PDF) form is submittedTransfer fees are due if you are adding or deleting another person's name, because that is a transfer of ownership.” If there are any additional fees due to removing our lien or adding or deleting another person’s name we recommend speaking directly to your local California DMV office for more information Our records confirm two phone calls were made to you regarding your request to further escalate your concernsThe first phone call was completed on January 26, At that time a third party that identified themselves as a secretary advised you were not available, and took a message regarding the phone callThe second phone call was completed on January 27, However, the voice mailbox stated it was full, and no voicemail could be left 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 deserveWe value your feedback and the opportunity to improve our service, so that issues such as those that you experienced do not recurThe documentation you received when your title was mailed on January 27, would be sufficient to have our lien removed from your titleHowever, to further assist we have sent a lien release for overnight delivery to the above referenced address We are committed to providing you with the highest level of serviceIf you have any questions, please contact me, Kyle C*** at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letterYours sincerely, Kyle C*** Senior Account Specialist BMW Financial Services NA, LLC c: Central Ohio Revdex.com

Dear Mr***: Thank you for allowing BMW Financial Services the opportunity to respond to your recent complaint submitted through the Revdex.com complaint process regarding your excess wear and tear chargesWe hope the following information and explanation will address your
concerns Mr***, your vehicle is currently being shipped to *** Dallas with an expected arrival date of June 27, The expected date your vehicle will be available for inspection at *** Dallas is June 29, Our current settlement offer is for $4,Your vehicle will also be available for inspection by your insurance agent should you choose to file a claim for any accident damage with your insurance companyShould you disagree with our settlement offer, you may also obtain an independent appraisal within ten business days of receiving notification your vehicle has arrived at ***The appraisal must be conducted by an independent third party licensed appraiser and shall be binding to both parties As discussed during our recent telephone conversation, we will contact you with additional details upon arrival of your vehicle at ***We hope you find our solution is amicable If you have any additional 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 letter Best regards, Paul I*** Senior Account Specialist BMW Financial Services NA, LLC

Dear Mr***
Thank you for giving us the opportunity to address your issue regarding the credit reporting for your above referenced account through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your
complaint
As we indicated in a previous written response dated June 1, 2015, we reported to the credit reporting agencies two payments were received in excess of days past due:
- The payment due on November 17, was received days past due on December 29,
- The payment due on January 17, was received days past due on February 19,
We investigated these payments with our accounting department to determine whether BMW Financial Services caused the reversal of your paymentsWe can confirm we did not reject the payments that were initially submitted through your bill pay providerWe recommend contacting Chase to verify whether a transmission error caused them to be rejected by Chase and not transmitted to us directlyBased upon our investigation, it appears the error is with your bill pay serviceIf you bank is able to provide details on how the transactions as submitted to us, or a screen shot of the electronic transaction, we might be able to validate a freeze on the transactions
MrGray, as you know, we furnish account data to the credit bureaus in compliance with the Fair Credit Reporting Act (FCRA)The FCRA sets forth specific guidelines we are required to follow; and as a result we must comply with these requirementsAdditionally, since we have made the decision to report to the credit bureaus, we must report all of our customers based upon the same criteriaBecause we have no evidence indicating that our reporting is not accurate, we are unable to accommodate your request to remove the delinquencies from your credit report at this time.
If you have any questions, please contact me, *** *** at *** ***, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letter
Yours sincerely,
*** ***
Senior Account Specialist
BMW Financial Services NA, LLC

Thank you for giving us the opportunity to address your issue through the Revdex.com complaint process pertaining to the repossession of your vehicleWe hope the following information and explanation will answer the issues addressed in your complaint
Upon receipt of your complaint, we reviewed our account records and confirmed multiple conversations were held explaining the repossession process and explaining in detail the options available to youDuring these conversations, our records show the vehicle was held for the full payoff of $18,due to the previous repossession of the vehicle and the status of your accountThe Notice of Sale letter you received expired on August 7, The vehicle will be sold at auction and you will be responsible for any deficiency balance that may exist after the sale of the vehicleWe do empathize with your situation but are unable to accommodate your request to return the vehicle or refinance the loan
If you have any questions, please contact me, *** *** 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 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
Up2drive is committed to reporting account
information to the credit reporting agencies regarding the payment experience we have with our customersWe researched your account and confirmed your account was greater than days past due in August As of the date of this letter, your account is days past dueA full monthly payment is required in order to avoid escalated collection activity
We are sorry to hear the comments you quoted in your letter concerning your conversations with our collection representativesMs***, we regret we were unable to accept a partial payment over the phoneIt is in our best interest to work with our customers who experience financial difficulty and we make every attempt to review our customer’s account history to ensure this goal is metWe reviewed your account and confirmed we have deferred two of your monthly payments in the past six monthsUnfortunately, we are unable to offer any additional deferments or accept partial payments over the phone at this time
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 criteria
If you have any questions, please contact me, *** *** at ###-###-####, Monday through Friday, from 9:a.mto 5:p.mET, or by mail at either address listed on this letter