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Could you kindly have Ms*** provide her full BMW FS account number? While there’s a partial in her complaint, we are currently unable to locate her account and proceed with our investigation, based on the information provided. Thank you, Allison --BMW GroupFinancial
Services Allison C***Customer Correspondence Specialist Britton Parkway Hilliard, Ohio

Dear Mrs***: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 verified you reside in an area impacted by Hurricane Harvey which the Federal Emergency Management Agency (FEMA) declared a disasterOur records show we spoke with you on August 31, when you requested to defer your September and October payments due to the hurricaneWe confirmed your eligibility and on October 21, your signature was received on the deferral agreement, which acknowledged your request to defer the September and October payments with the next payment due on November 9, 2017.As part of our research, we verified six emails were sent between November 14, and January 19, to alert you of missing paymentsAdditionally, multiple unsuccessful telephone calls were made to discuss your accountWe also confirmed your December and January Acocunt Statements listed current charges with Past Due balancesBecause you failed to fulfill your financial obligation to make your payments when due, your vehicle was repossessed on January 24, 2018, at days past dueWe verified you complied with the redemption requirements and your account was reinstated on February 5, 2018.Although we empathize with the circumstances mentioned in your complaint, it does not provide sufficient justification to change the way we are reporting your payment history to the consumer reporting agenciesAccordingly, we are unable to accomodate your request to remove the delinquencies from your credit reportAs a result of your dispute, we will be providing an update to the consumer reporting agencies to reflect the results of our investigationWe are committed ot providing hte 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,Michelle D***Credit Dispute SpecialistBMW Financial Services NA, LLC

Complaint: ***
I am rejecting this response because:As a customer both entities BMW and my bank were not helpful at all to resolve this matterYes it is so easy to say that after three long months of constant effort on my side fighting with two huge business to now say "our records indicate that you call on April 28th and the bank located the funds"I had to go and talk to *** which is BMW's banking partner in order to gather the information myself to get to the bottom of thisSo yes Revdex.com I got the funds back but this institution did NOTHING to help me do so, all I got was apologies and pity when a simple call to *** could have fix this months issuesSo I no longer need a refund but this complaint should stay up due to negligence and remain up for the public to see what type of customer service is being provided on unique situations like this one - NONE- just pity and sorry for the frustration, guess what that's not enough

No evidence was ever sent to me in regards to the results of the so called investigationPlease submit all results to this complaint with any personal information blocked outIf you have done a proper investigation into my identity theft then kindly provide that or a copy of what was sent to myselfIf no proof is sent ill be forced to take legal action and file an SC-against your company and BMW Financial Services as wellEither provide the proof now or in court, thank you
Regards,*** ***

Thank you for providing BMW Financial Services another opportunity to address your issue regarding the collection fee billed to your account through the Revdex.com complaint processWe hope the following information and explanation will address your rejection Upon receipt of your rejection, we reviewed your March 25, conversation with our representativeDuring this conversation a payment of $5,was processed and your account was placed on a repossession holdAt that time, BMW Financial Services had not yet been billed from *** Recovery SolutionsOn May 11, we received the $billing from *** Recovery Solutions for their attempts to secure the vehicle and billed the account in accordance with the terms of your Retail Installment ContractOur response remains unchanged; we are unable to accommodate your request to remove the charge assessed to your account Ms***, we regret your experience with our associates did not meet your expectationsWe value your feedback and the opportunity to improve our serviceAlthough we understand you may not agree with our position regarding the collection fee we hope we have provided sufficient information to understand our positionIf you have any questions, please contact me, Karyn C*** at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letter

As per our conversation, I have attached the copy of the invoice from the bmw repair shop *** BMW in houston,txAs you can see, they billed my car insurance company $21,now I am getting sent bill from financial services for damagesi asked the body shop to give car back so I can fix it elsewhere if they can't finish itthey kept saying weeks more, then eeks more. thanks***. I will sent you bill from bmw

Dear Mr***: Thank you for allowing BMW Financial Services the opportunity to respond to your recent complaint submitted through the Revdex.com regarding how we have reported your payment history to the credit reporting agenciesWe hope the following information and explanation will answer your request Mr***, we sincerely apologize for the delay you experienced while awaiting for your insurance payoff to post to your accountWe understand your insurance payoff check was signed for on June 18, 2016; however, your insurance payoff was posted to your account with an effective date of June 20, 2016, which was the first business day after your check was receivedThe effective posting date of your insurance payoff did not change the guaranteed payoff amount or result in any negative information being reported to the credit reporting agenciesBMW Financial Services received a total loss payoff of $49,which covered the $payoff quoted in the enclosed Letter of Guarantee plus a late charge of $ Unfortunately, because payments are due on your account until your total loss payoff has been received, we are unable to honor your request to refund your April 4, paymentHad an overage been received from your insurance company, any additional proceeds would have been refunded directly to you by check We have reported zero payments were received or more days past due and your account is paid in full and closedIf 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 letter Yours sincerely,

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.In an effort to resolve your request, we researched your account and verified
one payment was received 30-days past dueThe January 14, payment was days past due when we received the insurance settlement on March 10, 2016.According to the terms of your Vehicle Lease Agreement (Lease Agreement), you were responsible for continuing monthly payments until the insurance settlement was receivedAs of the date we received the check to pay-off your vehicle, the January payment was days past dueBMW Financial Services reports any payment received or more days past the payment due date as delinquent in accordance with Consumer Data Industry Association guidelines.Your complaint 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 FurnisherAs a result of your dispute, we will be providing an update to the credit reporting agencies to reflect the results of our investigation.We are committed to providing you with the highest level of serviceIf you have any questions, please contact a Customer Service Advocate at ###-###-####, Monday through Thursday, from a.mto 6:p.m, and Friday from 9:a.mto 6:p.mET, or by mail at either address listed on this letter.Yours sincerely, Michelle D***Credit Dispute SpecialistBMW Financial Services NA, LLCTell us why here

Dear Mr***: 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 Your Retail Installment Contract
(Contract) functions as a simple interest account, which is detailed in Section on the reverse side of the ContractThe per diem (daily interest) of interest that accrues is calculated as a daily rate, and is based on your remaining principal balance and Annual Percentage Rate (APR) which is 5.99%Therefore, as your principal balance decreases, the per diem of interest that accrues also decreasesBased on the way your Contract functions, when we receive a payment for your account, it is first credited to the accrued daily interest since your last payment was made, and then to the remaining principal balanceWe have enclosed a copy of your Contract and Amortization Schedule for your review Mr***, the initial interest rate is based upon the credit application submitted at Contract signing*** Financial Services is an indirect financing companyTherefore, we only accept assignment of the Contract once the terms have been negotiated and agreed upon at your dealershipFor further questions regarding your initial Contract signing, we would recommend you contact *** *** *** We are committed to providing you with the highest level of serviceIf you have any questions, please contact a Customer Service Advocate at ###-###-####, Monday through Thursday, from 9:a.mto 9:p.mET, and Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letterYours sincerely, Natalie S*** Senior Account Specialist *** Financial Services

I have filed a complaint against *** ***I am also filing a complaint against the other companies (BMW Financial is related to UP2DRIVE one of the companies that accessed my credit report.) I would like the inquiry removed from my credit reports as I did not properly authorize
access to the reports

Dear Ms***: Thank you for giving us the opportunity to address your issue regarding your registration through the Revdex.com complaint processWe hope the following information and explanation will answer the issues addressed in your complaint Ms***, in
order to complete the title and registration process, we require a copy of your current registrationAs you mentioned in your complaint, your registration expired in August of In order to have a current registration, you will need to renew the registration as a lease with the Power of Attorney provided to youThe state of New Jersey does not require the title to renew the registration as a lease You may send the registration via fax to ###-###-####, or via email to ***@bmwfs.comOnce all documents are received, BMW Financial Services will obtain the title in your name with BMW Bank of North America listed as lienholder. We are committed to providing you with the highest level of serviceIf you have any questions, please contact me, Natalie S*** at ###-###-####, Monday through Friday, from 9:a.mto 6:p.mET, or by mail at either address listed on this letterYours sincerely, Natalie S*** 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 through the Revdex.com regarding your accountWe hope the following information and explanation will assist you In an effort to resolve your request, we
researched your account and verified payments were received 30-days past due and one payment was received 60-days past dueAdditionally, five payments have been deferred and of your late charges have been waivedPaying late or deferring payments will cause you to pay more than the finance charge listed on your Motor Vehicle Retail Installment ContractYour delinquent payment history resulted in additional finance charges and a larger final payment Mr***, our records indicate your account status was regularly accessed through your My BMW online account when posting your paymentsIn addition to monthly past due telephone calls and emails, we also advised you and your wife of your account status on multiple occasions times throughout the life of your accountFurthermore, your payoff amount, payment due date, past due balance, and current balance were listed on each monthly Account Statement Regarding your claim your due date was changed without your knowledge, our records indicate you provided your wife authorization to manage your account on May 14, On June 12, 2012, after being advised your account was not eligible for a third deferment within a month period, your wife elected to change the due date from the 1st to the 31stThe due date change was used similar to a deferment, and did not result in additional negative reporting or late chargesThe due date change provided additional time between payments as no payment was due between your July 1, and August 31, payment due dates We have enclosed a transaction statement and your Actual Amortization Schedule for your reviewIf 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 letter Yours sincerely, Paul I*** Senior Account Specialist BMW Financial Services NA, LLC enclosures: transaction statement Actual Amortization Schedule

Dear Mr***:
Thank you for allowing BMW Financial Services the opportunity to respond to your recent complaint submitted to the Revdex.com regarding the above referenced accountWe hope the following information and explanation will address the concerns raised on your
complaint
Upon receipt of your complaint, we reviewed your September 9, telephone call with our representativeWe confirmed the September 9, payment was processed with the banking information you provided during the call, however, the payment was returned due to invalid banking information on September 15, Because the terms of Mr*** ***’s Retail Installment Contract (Contract) were not being met and the account was deemed to be in default, the decision was made to repossess the vehicle
Due to privacy laws, we are limited to speaking with the Executor of the Estate or the attorney representing the estateBecause the documentation you provided at the time of payment did not name you as the Executor of the Estate we were unable to share account specific details with you, until we had court approved documentation confirming the appointment of the Executor
Our records indicate the cashier’s check dated September 22, posted to the account on September 25, Since the date your Revdex.com complaint was submitted, the account has been satisfied and the vehicle returned to your family
If you have any questions, please contact me, Mike K*** at (800) 398-3939, 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 BMW Financial Services the opportunity to respond to your recent complaint submitted through the Revdex.com regarding the repossession of your vehicleWe hope the following information and explanation will assist you We were sorry to
learn of your concerns regarding the collection activity on your accountOur policy permits contact with third parties for the purpose of obtaining information regarding the location of the vehicle or how best to contact you, as permitted by applicable lawA review of our account records did not reveal any contact attempts that violated either our internal policy or state or federal guidelinesPrior to responding to your recent complaint through the Consumer Financial Protection Bureau we contacted the third party agency servicing your account, *** *** ***, and it did not have any record of speaking with your family members regarding your deficiency balanceFor additional questions or concerns, you may contact *** *** *** by telephone at ###-###-#### or by mail at ** *** *** *** *** *** ** ***. Ms***, your vehicle was repossessed for being in default of your Motor Vehicle Retail Installment ContractYour vehicle was subsequently sold at auction, and your current deficiency balance is $11,We have enclosed a copy of the Auction Sale Breakdown, outlining your financial obligation after the sale of your vehicle. We are required to follow certain established guidelines when we report customer payment histories to the credit reporting agenciesBecause we have no evidence indicating our reporting of your account is not accurate, we are unable to accommodate your request to cease reporting your balance or remove your tradeline from your credit report. BMW Financial Services is no longer contacting you by telephone regarding the above referenced accountThis does not negate your outstanding financial obligationPlease note, any unpaid balance remaining on your account is subject to the issuance of Form 1099-C, Cancellation of Debt, to the Internal Revenue Service if it remains unpaidIf you have any questions, please contact us by mail at either address listed on this letter. Yours sincerely, Paul I*** Senior Account Specialist BMW Financial Services NA, LLC enclosure: Auction Sale Breakdown

Dear *** ***: Thank you for giving BMW Financial Services the opportunity to address your concerns regarding the end of lease charges assessed to your referenced account through the Revdex.com complaint processWe hope the following information and explanation will answer the
issues addressed in your complaint BMW Financial Services NA, LLC is a separate financing entity from the independently owned and operated BMW centersAs such, we are only able to address issues dealing with your Motor Vehicle Lease Agreement (Lease Agreement), or your account with usWe cannot address statements made at *** *** BMW regarding end of lease chargesAll issues pertaining to the service provided by your BMW center, are handled by BMW of North America, LLCYou may also contact them directly at ###-###-#### In the terms of your 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 workWe have enclosed a copy of the inspection report for your reviewThe inspection identified excess wear and use on the windshield, billed at $Please be advised that the above referenced vehicle is equipped with a rain sensing windshield which will not function properly with a chip or scratchAs such, the windshield must be replaced if a chip or scratch is presentThe inspection also documented excess wear and use on the left rear door, left front fender and right quarter panel of the vehicle with each instance billed at $Additionally, the inspection indicated excess wear and use on the rear bumper which was billed at $Finally, the inspection indicated excess wear and use on the front bumper which was billed at $The inspection report states “If the customer and the inspection center do not agree on the damages listed, the customer is entitled to an independent inspectionThe results of that inspection will be binding to both parties.” There was no independent inspection completed since you signed the inspection, acknowledging the charges BMW Financial Services offers loyalty credits for returning customers which included the disposition fee waiver and the loyalty unused miles creditOur records indicate the $disposition fee was removed from your end of lease invoiceAdditionally, a $loyalty unused mileage credit was placed on your new BMW 530i account on July 6, While we appreciate your continued loyalty we are unable to remove the end of lease charges we feel were assessed in accordance to the terms of your Lease AgreementAccordingly, we are unable to refund the remainder of your security deposit 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* *** ** *** ***
*** *** *** *** ***
*** ***

I am rejecting this response because: As the attached document shows, the car was returned in "very good" condition, with the possible exception of the two back tires that according to the report "may need future attention" This vehicle condition report was performed at a BMW dealership a few days before the car was returnedI fully understand my obligation to pay the disposition fee of $395.00, which I have However, THERE IS NO EVIDENCE OF EXCESSIVE WEAR AND TEAR and this further illustrates BMW's commitment to cheat it's customers.
Regards,
*** ***

Dear
Mr***:
Thank you for allowing BMW Financial
Services the opportunity to respond to your recent complaint submitted to the RevDex.com (Revdex.com) regarding how we have reported your payment history to
the credit reporting agencies
Mr***, our
records
indicate you cancelled EasyPay using your My BMW online account on September 3,
We have no record of your My BMW online account being accessed again
until October 16, when you scheduled a one-time payment to post to your
account on October 19, The EasyPay enrollment page was not accessed
during this My BMW sessionYour next login was December 19, when you
re-enrolled in EasyPay and posted your past due November payment
As part of an investigation we
conducted while responding to a previous written complaint from you, we
contacted GC Services, a third party collections vendor engaged by BMW FS, and
confirmed they placed telephone calls to (310) 234-and (818) 461-8412, numbers that were provided on your signed credit
application. Calls to these numbers were
returned with a status of “Network Announcement” or “Vacant Circuit”This
means that the telephone calls never reached your telephone and would not
appear on your telephone billA status of “Network Announcement” could be
returned for a number of reasons, such as if the number was no longer in
service or had been disconnectedFurthermore, the telephone number you
provided with your telephone bill is (310) 234-2547; however, the telephone
number provided on your signed credit application was (310) 234-2574.
We apologize for the clerical
error resulting in past due notifications being sent to the incorrect email
addressHowever, our records indicate your email address was updated to ***@yahoo.com
after we were made aware your email address was incorrectWhile we understand your
frustration that you did not receive past due notifications, we have an
obligation to report your payment history to the credit reporting agencies
accurately
If you have any questions,
please contact me, Paul I***, 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***
Senior Account Specialist
BMW Financial Services NA, LLC

Dear Dr***: 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 Dr***, we require
all authorized self-inspection dealerships to perform their own inspections and have our customer sign an odometer statement upon returning their vehicle; however, *** *** is the independently owned and operated BMW center and therefore, we are unable to confirm why they did not perform an inspection and have you sign an odometer statementTherefore, we removed your excess mileage charge $due to not having a signed odometer statement on file Since an inspection was not completed prior to the return of your vehicle, the vehicle was inspected at auctionThe inspection revealed damage to the rear bumper, right front tire and the mechanical charge was assessed because the check engine light was illuminated when your vehicle was returnedThe check engine light indicates the scheduled maintenance on the vehicle had not been completed; in accordance with the terms of your Motor Vehicle Lease Agreement, it is the customer’s responsibility to have the maintenance completed on the vehicle before the turn in dateWe have enclosed a copy of the inspection report, illustrating the damage to the rear bumper, right front tire and check engine light We have determined the outstanding balance of $1,is till due for tire charge, exterior charge, mechanical charge and disposition feeTo close your account, please direct your check for $1,to (please include your account number in the memo section of your check) BMW Financial Services PO Box Phoenix AZ If you have any questions, please contact us at ###-###-####, Monday through Friday, from 9:a.mto 9:p.mET, or by mail at either address listed on this letter

I am rejecting this response because I do not accept the fact that providing my full social security number to the person who calls me is a proper practiceIt is unsafe and BMW financial should change their practices to allow verifying identity with something else (last digits of ssn for example).Since BWM financial is refusing to recognize that this practice should be changed, I think public should know that this issue is unresolved and accepting response will close the complaint and create the illusion that it is resolved

Complaint Detail / ProblemComplaint Type:Billing or Collection IssuesselectProblem:I see in my transunion and Equifax credit report a BMW 2016, This car is owned by my ex-husband and he makes the paymentsBMW sends me a copy of documents that do not see my signature and according to the lawTranslate Desired Resolution / OutcomeDesired Resolution:Correction to a credit reportselectDesired Outcome:I need erase that from my credit reports, Transunion, Equifax and Experian