| 03/16/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/1979 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : BMW FINANCIAL SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXX.
( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX.
( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 03/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXXof 2020, I called to make a {$400.00} payment due, and they had notified me of my credit balance on the account in two amounts ( lump sums ). one for {$960.00} and a second for {$2800.00} ( was {$3200.00} but they deducted the first {$390.00} payment from balance ). So in total from XX/XX/XXXX, {$3800.00} was a credit balance from " me '' to pay down the payment every month as told to me by the representative I spoke to that day, around XXXX on 2/04/XXXX. That means that, XXXX would be deducted at the start of every month, till the balance reached under that amount then I would be required to come current on payments again. That would grant me 10 months starting XX/XX/XXXX, and would end then XX/XX/XXXX, and payments would restart XX/XX/XXXX. I mad a payment of {$100.00} on XX/XX/XXXX, when I immediately learned it was somehow delinquent. XXXX XXXX, never posted the payment credit of {$960.00} through the credit agencies on my report. It shows no payments were made then in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ( I called and spoke to two representatives, in the actual Head quarters, regarding questions I had about the loan amount and warranties ) XXXX, XXXX, XXXX they marked as -30 days late, and then XXXX -60 days late, YET! NO! invoice was ever mailed, showing the zero balance and requesting a payment again. They did mail 4 stubs and itemized statements, showing zero due and the balance of the amount deducted from the total, which is correct. BUT! there is not any accuracies within their ability LIKE THEY HAVE ALREADY! falsely marked the account late. Mathmatically. XXXX XXXX XXXX balance of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, still had a credit and talked about recommendations of trading in car for the corporate fleet lease trade in, because its a brand new car and limited miles, and they have no warranty transfer amount like I had to pay with a CPO! I was charged {$1700.00} in total for brakes, when the car wasn't even driven XXXX, A CPO! and the warranty that WAS STILL NEW ON THE CAR ( manufactures warranty ) just to be put in my name, to STILL PAY FOR THE BREAKS! I put XXXX down cash on the car, somehow wound up getting the loan for XXXX and then paid for the warranties and gap on top of it, which I cancelled and didn't get all my money credited back. Not to mention the whole finance division was fired for stealing money and doing swindling of some sort ( first hand account, of not being told where my money went and the rip off they cost me at XXXX XXXX BMW IN XXXX NJ! ) MOST UNSATISFIED I HAVE EVER BEEN WITH THAT LOCATION, and I have bought from them many times at XXXX! and NEVER HAD A PROBLEM! come XXXX we still have a balance of {$1000.00}. XXXX XXXX XXXX XXXX we are now starting XX/XX/XXXX with a balance of XXXX. THERE WAS NEVER A LATE PAYMENT> so, there was a payment then made on XX/XX/XXXX for the amount of XXXX. There for the full amount of me paying the entirety of this loan from the date of purchased XX/XX/XXXX to XX/XX/XXXX is XXXX and that on their amortization schedule current as of the moment I wrote this. and that works out to me paying them ( divided by exactly 24 months ) XXXX per month. THAT FACT CHECK PROVES THERE WAS NEVER ANY MISSED PAYMENTS> I made another payment to them from the XX/XX/XXXX XXXX, of XXXX. I called them on XX/XX/XXXX and asked what the heck is going on, and they said to challenge it and fill out the paper work they emailed me and their investigator from a third party company will verify what I said and then correct it, just be as detailed as possible. Not one statement regarding a payment due was sent to my address. for 15 years straight I HAD NEVER MISSED A SINGLE PAYMENT IN MY LIFE> with an available credit of XXXX by my choice, I didn't want it higher. Suddenly end of XXXX, XXXX dropped my credit from XXXX to XXXX ONLY! then XXXX XXXX dropped my ONE CARD! every day card all together and the second XXXX XXXX card I have with XXXX POINTS! they dropped the available credit to only XXXX! Same with ALL MY CARDS! I now have either NO CARD because they CANCELLED ME ALL TOGETHER OR!! they dropped it to XXXX, now totaling from XXXX to XXXX combined. BECAUSE OF THE MISSED PAYMENT! WHICH WASNT EVEN MISSED! There is no excuse in the world that would allow for me to comprehend, the scenario of : first time offender, missed two payments 30 and 60 ( which is what they said XXXX, how suddenly after 15 years of CONSECUTIVE ALWAYS ONTIME PAYMENTS NEVER ONE SINGLE MISSED IN MY LIFE!!!! ( 3 car loans, 4 student loans, 8 credit cards etc ... all paid off too!! except the newest car loan, from XX/XX/XXXX ) so, if first time offense, covid-19 financial hardship, wouldn't they CONTACT ME TO DEFFER THE PAYMENTS? OR OFFER FINANCIAL EDUCATION ON RELEIF?? especially since I did call NUMEROUS TIMES in XXXX, XXXX, XXXX twice! and spoke with someone. There was never anything offered as of an assistance for financial hardship, and they marked it wrongly late, when the math, that is even on the amortization schedule I will upload conquers this, and it WOULD HAVE BEEN MY ONLY AND FIRST OFFENSE IF IT WAS EVEN LATE> but there was no letters, calls, or contact, or statements, made to me. This blows my mind, there is also -XXXX that isn't accounted for, from the credit balance I made in XXXX 2020, from the warranty I cancelled. they said if I wanted a check or I could have it submitted to XXXX towards payment, so I did, along with the gap which they didn't give me the correct amount back, because for 6 months I was trying to get them to cancel it. Since the XXXX XXXX department at that deal was terminated, it took months and months of me calling and going there to even get them to give me the paper to sign. This is severely impacting my financial life line I have right now. XX/XX/XXXX I was let go from job as an esthetician and also residing 20 miles out side of XXXX we were impacted the hardest in the begging and even now. I was not accepted for unemployment since I only started that job 5 months prior to covid starting. SO! PUA! I was finally accepted in XXXX, from the original application in XXXX, and only received a measly {$310.00} a week, and ran out of money some time ago. with rent {$1400.00}, credit card bills, some how NEVER DECLINING IN A BALANCE OF original amount {$0.00} out of {$5500.00} as of XX/XX/XXXX. XX/XX/XXXX = {$3000.00} out of XXXX ( all fraud ) XXXX $ XXXX FRAUD out of XXXX ... .come now XX/XX/XXXX I have PAID OUT XXXX to credit card bills that never decreased only increased, to things that aren't even on statements, but they are saying I owe them this money. today alone, amex and XXXX XXXX called XXXX times, combined total. When, XXXX XXXX was paid 11 times in one month, and XXXX, I was just sitting in their branch on Thursday! with their accounts person named XXXX, for the 19th time, about how this fraud. Someone has spoofed me, and when calling to inquire I gave out the social and the login credentials, and like an XXXX, things just crazy from XXXX to now. XXXX, was given in excess enough to cover the amounts that were to current, XXXX $ is shy from the amount that was carried through as left over, there was no late payments for XXXX and XXXX. they claim its 30 and 60 late. I have a frozen file and have been constantly in touch with everyone and the banks and XXXX XXXX and the police and been through mental anguish XXXX, and financial XXXX, and medical XXXX from covid, that this would be seen immediately if they viewed my credit file, which they did. I have closed out my bank accounts three times since XXXX 2019, for this fraud. XXXX XXXX said they weren't paid either, but they were, and I have XXXX XXXX itemized log, showing they were paid 8 times in one month, but yet there's about XXXX debt I saw today on the credit report, and there was nothing purchased since XXXX of XXXX, and they were paid in great access far past that amount. XXXX XXXX credit card, has three charges all from the same location, a XXXX XXXX in XXXX nj for the same amount, taken from my account for XXXX, and change, yet I never was there that day, I was in a job interview and in new york and XXXX, working in XXXX XXXX, XXXX and XXXX, which is insane because XXXX is like 1 hour plus west, with out traffic. and they showed on the statement, one debit from my account from my credit card, one from my debit card, and one from a past card I guess that I had ... .. this is crazy! so, if they didn't receive a payment because XXXX XXXX is the culprit behind all this money stolen, then I needed them to contact me ( XXXX by statement via mail like it was always sent, showing the XXXX XXXX they had in their possession was now at a XXXX balance, and that they are requesting payment ) I needed them to explain to me that there were credit options available for me since I was suffering from XXXX, XXXX, out of work esthetician in the beauty field, and in the metro vicinity of XXXX, at which I would have taken them upon those offers, like they gave to many people, but since I was onto of everything, they said that the credit balance would be for. year roughly, at which come the suprise of a life time in XXXX when I see that through XX/XX/XXXX dropping my available credit from XXXX to XXXX for many late and missed payments through a transunion report, which is bs because my credit report is FROZEN and monitored through XX/XX/XXXX I pay for and XXXX a case I have opened to resolve this, so I don't even know how XXXX was granted access, and what are the many missed payments? well then I find out XXXX didn't post a payment for a year. a whole year. it shows on my credit report I didn't pay my car payment for one year and am late!!!!!! THATS CRAZY. they need to have it debiting correctly, the exact amount of XXXX, they payment due, from the balance of XXXX and then when its negative money or there's not enough to cover in full, which would be XXXX of XXXX, with a left over of XXXX, but by then I'm already flagged negative critical past due, delinquent, and this has had the most catastrophic result on me, when I so diligently paid every since month for 15 years straight on time, reaching perfect credit, sitting at XXXX, just scooting by living off my life savings I was using to buy a house, but unemployment only allows XXXX a month, and that didn't even cover food, rent, let alone anything. I didn't leave the home, because of quarantine, and I did loose family, and my self and my son have had severe XXXX XXXX, and he stopped being able to walk at the age of XXXX, and had to have physical therapy and see an oncologist, and the medical costs due to now being on state XXXX, well, its XXXX an office visit, but I still didn't go under from covid, until now. and all from XXXX falsely recording missed and late, when in fact they didn't put the second credit balance payment of lump sum on same day at the other XX/XX/XXXX of XXXX the fraud is out of control and identity theft. I tried to get into XXXX XXXX and they locked me out because of security question, what person do I know lives in XXXX XXXX in a lease or bought a home.. three names and then one that says I don't know, and I put I don't know, because I don't! apparently I'm supposed know one of the people or am related to or am married to one of them. which is insane.
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| 10/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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The engine in my BMW failed on XX/XX/XXXX per XXXX XXXX Dealership 's diagnosis. Due to the number of times I have reported and had the car service for oil issues, I believe the car had an inherent defeat at the time of purchase I was not aware of and should not have been sold as a certified vehicle. Additionally, I believe the engine failure was also a result of the work XXXX XXXX XXXX did on the engine in XX/XX/XXXX and should be covered under warranty. I took the car back to the dealership 1 week after the repair and 3 additional before the engine failure where they claimed they did n't see an issue. The following details my service related issue and failure of BMW entities to warranty their defective XXXX engine.
Service Detail related to engine oil issues 1. Care Purchased as Certified Pre-Owned XXXX XXXX XXXX of XXXX XX/XX/XXXX 2. Initial Customer Care Campaign/Recall on XXXX Engine XXXX XXXX of XXXX XX/XX/XXXX-XX/XX/XXXX ( 31 days ) 3. Serviced for engine issues. Car turned off at stop light and wouldnt restart.
XXXX XXXX of XXXX XX/XX/XXXX-XX/XX/XXXX ( 9 days ) 4. Serviced for engine issues. Check engine light came on. Cause was determined as failed sensors XXXX XXXX of XXXX XX/XX/XXXX-XX/XX/XXXX ( 1 day ) 5. Change preferred dealer to XXXX XXXX since it was a shorter distance to home XXXX XXXX of XXXX XX/XX/XXXX Notable detail. During this routine service I received a quote to fix the sunroof lining. The quote was around $ 4K. This is notable because this dealership only offered me $ XXXX to trade in valuewhich seems amazingly low considering value of the parts alone.
6. Major Engine repair : Progressive Oil issues where we were having to top of oil every 2 months. The case said to be from Engine upper and lower pan replacement and turbo coolant lines leaking. XXXX replaced oil pan gasket and coolant hoses XXXX XXXX of XXXX XX/XX/XXXX-XX/XX/XXXX ( 8 days ) Notable details : XXXX stated the repair of the coolant vent pipe wasnt covered under the CPO warrant since the part was plastic. My out of pocket cost was right at {$800.00}. I argued that this wasnt fair since they were charging for labor related to the overall repair of the engine. We negotiate the cost to {$400.00} 7. Vehicle checked due to burning oil smell but BMW. No work was performed as noted on the invoice. I was told everything was okay XXXX XXXX of XXXX XX/XX/XXXX ( 1 day ) Notable Details : At this time, my CPO coverage had just run out. The car mileage on this invoice was reported as XXXX miles over the warranty limit 8. More oil leakage. The car was returned to BMW due to needing to top of oil every 3 weeks. The dealership inspected the engine and found no issues. Told me it was normal for this type of oil consumption XXXX XXXX of XXXX XX/XX/XXXX-XX/XX/XXXX ( 3 days ) Notable Details : it was noted to reset the service light for the service that was performed in XX/XX/XXXX. This was also noted on the previous service visit but evidently not completed by the mechanic.
9. Undocumented Service Week of XX/XX/XXXX : XXXX XXXX completed an oil change after we took the car in again for oil consumption issues. Unfortunately I did not keep a copy of this visit and XXXX claims not to have a record. However, I vividly remember the vehicle was in the shop during this time because I had a refinance closing onXX/XX/XXXX and I was in their loner vehicle. Ive requested a loner car history from XXXX and records for this service date but according to them they have no record on file.
10. Engine Failure : On XX/XX/XXXX after driving home from the store, which is less than 5 miles from our home, the car started to act erratically ( i.e. hesitating/stalling, and smoking ) and had an transmission powertrain failure warring. My husband immediately pulled the car over and turned it off. He then called a tow truck to take the car to XXXX XXXX. The car arrived Monday due to the tow truck scheduling delays. After a little over a week, I was informed that I would need to replace the engine and had 3 options ; new engine replacement, rebuild engine replacement or new car. I inquired about how something like this could happen given the fact by the attendants own admission, the vechicle was well maintained. I also asked if it had anything to do with the work they did on the engine in XX/XX/XXXX. since we had been back multiple times and called regarding engine issues after that job. I also asked if it was due to a defeat related to the recall that happen a while back. He then told me he would check with the manager regarding the work they did. He also advised me to reach out to BMW NA on the defeat issue.
Since then, I have become increasingly frustrated with the lack of response, being treated with disregard and the sales pressure.
To- date the vehicle is still at the shop BMW NA response : I didnt get a response for 3 weeks initially at which point I told BMW NA I would be seeking legal counsel. They informed me that if I did so, they would not help me with a resolve. 2 days later I was informed they would not be able to do anything for me and my case was being closed.
XXXX XX/XX/XXXX response : In earlyXX/XX/XXXX, after almost a month without any updates, I went to meet with the service manager and sales team to discuss options.
Service Manager XXXX? : Asked me what would be the ideal out come in which I told him having my car repaired. He said he would follow-up with BMW NA to see what they could do about a rebuilt engine. He also acknowledge that it could have been from the work in XX/XX/XXXX and he would look into this morehe claims not have known about the service in XX/XX/XXXX. I have not spoken to him since Sales manager, XXXX XXXX told me they would work to see what they could do from a trade assist standpoint and so that I could back to driving. They prepared a proposal on a new XXXX and stated they thought that would be a more reliable option since it was the V6 and not V8 engine that is prone to issues. Unfortonatley the proposal was for $ XXXX and seemed like they were just trying to take advantage of the situation and make a new sale 3 weeks later, XX/XX/XXXX without an update from XXXX, I went to the dealership again for an update. This time I was told XXXX was busy and I could meet with his Assistant Service Manager, XXXX XXXX. He was very unresponsive, didnt know anything about the vehicle and only gained interest when I informed him I still had their loner car, almost 2 months. He proceeded to print out the service records I requested and called XXXX to ask if he had an update. XXXX stated he would follow-up with BMW NA and call me in a few days.
Since then I have had no updates and my car is still at the dealership.
Customer Care Details- XXXX XXXX XXXX XXXX On XX/XX/XXXX, BMW released Bulletin " XXXX '' or the " N63 Customer Care Package " affecting any vehicle that saw use of the 4.4-liter V-8 ( XXXX ) within the 5 Series, 6 Series, 7 Series, X5, and X6 model lines manufactured between XX/XX/XXXX and XX/XX/XXXX. Dealership instructions include checking the timing chain for stretching and replacing it if necessary, replacing the fuel injectors, mass air flow sensors, crankcase vent lines, battery, engine vacuum pump and low pressure fuel sensor.
The sweeping recall also extended to vehicles that had gone out of warranty, no matter how many miles were accumulated on the vehicle.
Additionally, the service interval would be shortened to nearly half, with a 12 month/10,000 mile ( 16,000 km ) check-up instead of the long-life treatment the BMW had been maintaining up to that point, requiring a check every 2 years and 15,000 miles ( 25,000 km ).
In XX/XX/XXXX, dealerships had received a service bulletin regards to the N63 powerplant, which amended the oil capacity requirements of the engine, adding a full ( 1 ) US quart to the capacity of the motor, citing " increased oil consumption '' in the twin turbo V8.
Models affected by the recall included : F01 and F02 ( 7 Series Sedan ) produced fromXX/XX/XXXX toXX/XX/XXXX F04 ( Active Hybrid 7 ) produced from XX/XX/XXXX to XX/XX/XXXX F07 ( XXXX XXXX ) produced from XX/XX/XXXX to XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) produced from XX/XX/XXXX toXX/XX/XXXX XXXX ( XXXX XXXX XXXX ) produced from XX/XX/XXXX to XX/XX/XXXXXXXX ( XXXX XXXX XXXX ) produced from XX/XX/XXXX to XX/XX/XXXX XXXX ( XXXX ) produced from XX/XX/XXXX toXX/XX/XXXX XXXX ( XXXX ) produced from XX/XX/XXXXto XX/XX/XXXXXXXX ( XXXX XXXX ) produced fromXX/XX/XXXX to XX/XX/XXXX The dealership bulletin was accompanied by region sales rep meetings with branch/service managers, informing of them of the forthcoming campaign, and issuing instructions to contact all owners serviced at their branches operating the XXXX engine. The accompanying marketing campaign, which would be a major focus of XX/XX/XXXX for BMW world-wide, was intended to dampen the affect of such a wide spread recall on BMW 's waining brand loyalty and customer service issues. The tactics of which could be seen in the extended efforts surrounding the recall.
BMW dealerships were instructed to offer extra incentives for owners affected by this campaign, offering trade-in cash bonuses for their N63 equipped vehicles with the purchase of a new BMW ( details in a separate sales bulletin - " XXXX Customer Loyalty Offer '' ). Sales teams were also provided with discretionary authorization to provide customers with a gift of {$50.00} value, including anything from a gas card, gift bag containing BMW Lifestyle products, or vehicle detailing.
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| 05/04/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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I leased XXXX / XXXXXXXX XXXX XXXX on XX/XX/XXXX. The total lease agreement amount is {$45000.00} for 36 months. I made a payment of {$30000.00} at lease inception. And paid a monthly fee for 13 months, I paid a total of {$35000.00}, which would be a lease for 27 months, but I only got 13 months of service now. I hope BMW FS refunds me the overpayment of around {$18000.00} instead of the {$10000.00} Loyalty Payment Credit with the strict term BMWFS offered. BMWFS still refuse to return the money they overcharged. Also, I couldnt find the legal basis and faith of the Loyalty Payment Credit.
BMWFS told me they overcharged my prepaid money mainly reason is that the down payment is used to determine the monthly fee, and it can not be refunded. Which law or term of the lease agreement says the down payment is unrefunded when the lease agreement is terminated early? I know the down payment is not refunded when the lease ends after the lease term of 36 months, but now only the lease is 13 months. I also know the down payment is not refunded when people mortgage a house, but the overvalue will return to the people after the house auction. Now, BMW FS receives all the settlement money from the insurance, and the overvalue from payoff is {$21000.00}, double the {$10000.00} Loyalty Payment Credit which BMWFS offered.
Yes, its not a loan, it is a lease, the lease has two types : operating leases and financing leases ( capital leases ), ( Please see the XXXX XXXX about the lessee account. ) If its a capital lease, the lessee owns the vehicle, and BMW FS should refund me {$21000.00} instead of the {$10000.00} Loyalty Payment Credit with strict terms.
If its an operating lease, all the money lessee paid is for the use right of the vehicle, its no matter the down payment or others. BMW FS should return the overcharged money they didnt service, which is around {$18000.00}.
Also, BMWFS answered me, the down payment is for the calculation of the monthly payment. But BMW FS calculated the monthly payment based on the whole lease term of 36 months, now only about 13 months, the lease agreement is terminated. BMWFS should recalculate and refund me the overcharge base on the actual lease term, which is around {$18000.00}.
Below is BMW FSs letter, and my answers, also the same case settlement of BMW FS.
First, the down payment is used to determine monthly payment, and it can not be refunded.
-- -- Consumers should be informed clearly. I dont find any term in the lease agreement that mentions that BMW FS has the right to keep all the down payments when the leased vehicle is a total loss and the lease agreement is terminated. Also, which term of the lease agreement said the down payment can not be refunded? Otherwise, who wants to pay the huge {$30000.00} at lease inception?
Secondly, The down payment is used to determine your monthly payment.
-- -- The down payment is not only for calculating monthly payments but also payment for lease service. The BMW FS calculated the monthly payments based on 36 months of lease time. If the lease ends after 36 months, I wouldnt ask BMW FS to refund the down payment and tax I prepaid. But now, the lease agreement was terminated because of the vehicle 's total loss. The actual lease time is only about 13 months. So, there are 23 months left that BMWFS did not supply lease service but charged the money I paid at lease inception. BMW FS should return the down payment and tax for 23 months which didnt occur.
Also, By signing the Lease Agreement, you agreed to abide by the terms and conditions of financing.
-- -I signed the Lease Agreement, and I finished all liabilities of the lease agreement asked, but no term of the lease agreement said the down payment and prepaid money can not be refunded when the lease agreement is terminated. If the lease agreement has the term mentioned, please marked and tell me, if not, I now ask please to refund the money I paid in advance which I didnt get the service.
Upon review of your Lease Agreement, we confirm it is not a pre-paid agreement.
-- -- No people told me BMWFS has pre-paid agreement and what is the difference between this lease agreement and pre-paid agreement. Is it the reason BMW FS can over-change money? and which term in the lease agreement mentions the BMW FS can overcharge customer money? Which law requires?
As an operating lease, all the money lessees paid is for the right to use the vehicle and sales tax, one-time miscellaneous fees. The down payment nature is pre-paid for the use right of vehicles and decreases the lease liability. BMW FS should return the money the customer paid in advance for a service that the customer didnt get service. ( Please see the XXXX XXXX about the lessee account ) The Loyalty Payment Credit in the attached XXXX XXXX XXXX response dated XX/XX/XXXX, is a program BMW FS started XX/XX/XXXX. .. We are offering 50 % of the amount remaining after subtracting your payoff amount from the amount of any insurance settlement resulting from the total loss.
-- -If its a capital lease, BMWFS should return 100 % of the amount remaining after subtracting your payoff amount from the amount of any insurance settlement resulting from the total loss.
BMW FS should inform lessees they will only offer loyalty credit instead of the money return if the lease agreement is terminated early. Consumers should be informed clearly : what is the legal basis of this loyalty credit?
Since the program BMW FS started on XX/XX/XXXX, BMW FS should refund the money directly instead of loyalty credit if the lease began XX/XX/XXXX, earlier than XX/XX/XXXX, the day the loyalty credit started.
This loyalty credit violates the rights and interests of consumers. In terms of the amount, the consumer should receive 100 % instead of 50 % of the amount remaining after subtracting your payoff amount from the amount of any insurance settlement resulting from the total loss. 50 % is unfair and it's not reasonable.
Lastly, BMW FS should give consumers a choice. How to use loyalty credit when the customers do not need or can not afford to lease a vehicle or finance a vehicle? And the loyalty credit offer sets strict money use and time limits. Converting the refund money which the customer deserves into loyalty credit is another disguised violation of consumers ' rights and interests. Please return the money directly as soon as possible.
However, you made a payment of {$30000.00} at lease inception, which included {$26000.00} for a down payment, {$2100.00} for sales tax on the down payment, and {$2400.00} for upfront sales tax on the remaining balance and miscellaneous fees.
-- -- -This time, I minus the one-time miscellaneous fees from the payment of {$30000.00} at lease inception when I calculate the refund money. Depending on the amount, the down payment of {$26000.00}, and sales tax of {$3400.00} is for 36 month 's lease. BMW FS should return the down payment and sales tax for 23 months which didnt occur, amount {$18000.00}.
( ( {$26000.00} + {$3400.00} ) XXXX {$810.00}, $ XXXX {$18000.00} ) If its a capital lease, we use the payoff method, BMWFS should return 100 % of the amount remaining after subtracting your payoff amount from the amount of any insurance settlement resulting from the total loss, amount {$21000.00} ( $ XXXX ).
Please contact me and refund the overcharged money of at least {$18000.00}.
The link is a similar case for reference. https : XXXX.
The attachment BMW settlement is the same case settlement.
Please refund the money I deserve, and dont violate my customer rights again.
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| 08/30/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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In XXXX I wrote to the Dispute department requesting they investigate a payment being reported late to the credit reporting agencies for my account with BMW Financial Services ( BMWFS ). I received a response that is unsatisfactory and am concerned that BMWFS is continuing to report a late payment that was missed through no fault of mine. While it is true that the payment was made 41 days past its due date, the reason the payment was late was due to some sort of systemic failure on the part of BMWFS, and not due to my negligence or carelessness ; therefore, I should not be subjected to the punitive consequences that come from BMWFS reporting a late payment on my good credit to the credit reporting agencies. Due to BMWFSs improper handling of my dispute, I believe they have violated provisions of both the Fair Credit Reporting Act ( FCRA ) and Section 5 of the Federal Trade Commission ( FTC ) prohibiting unfair or deceptive acts or practices in or affecting commerce.
Therefore : I am formally expressing dissatisfaction with the way BMWFS handled my credit dispute, and further assert that they were not compliant with certain provisions of the Fair Credit Reporting Act during their investigative process ; and I am asserting that BMWFS has violated provisions of Section 5 of the FTC Act, which prohibits unfair or deceptive acts or practices in or affecting commerce.
In XXXX I provided BMWFS with a letter explaining what I believed to have happened regarding my XX/XX/2021 payment. In summary, I set up automatic payments through the BMWFS website, received confirmation of said automatic payment enrollment, yet the automatic payment for XXXX was not deducted from my account. I further informed BMWFS that I had not received any of their communication attempts due to their contact attempts via email being intercepted by my email providers spam filter. I provided supporting documentation in the form of a printed email confirmation following enrollment into the automatic payment system that indicated my next payment would be automatically deducted in XXXX. Upon completion of these steps, I was under the impression that the automatic payments were correctly set up and had confirmation that the next payment would be deducted in XXXX for the payment due in XXXX. Any reasonable person would believe that there would be no further issue processing account payments from that moment forward.
Given this, I again assert that the payment missed in XXXX was through no fault of my own and completely out of my control. BMWFS can not report my XXXX payment as late because of what I can only assume is some systemic problem on their end that prevented my payment from being properly processed.
BMWFS is currently still reporting my XX/XX/2021 payment as past due, when they should have knowledge to the contrary based on documentation I provided with my formal dispute. However, BMWFS failed to acknowledge all of the information I provided with my dispute, which also violates the FCRA.
623 ( a ) ( 7 ) ( E ) ( ii ) specifically mandates that furnisher review all relevant information provided by the consumer. The response I received from BMWFS goes into great detail about what their records indicate ( i.e., when I accessed my MyBMW.com account ), yet it is silent on the fact that I provided written evidence in the form of a printed confirmation screen received from its system. I do not know whether BMWFS reviewed this very relevant information or not. This confirmation is my only evidence that I correctly set up automatic payments. It also serves to prove that I had assurance that BMWFS would correctly process my XX/XX/2021 payment, just as any reasonable customer would.
The evidence I provided meets the definition of reasonable cause, therefore, I have provided BMWFS with sufficient information to determine that the late payment was not my fault. As the late payment was clearly not my fault, the information being reported regarding the late payment is inaccurate and must be corrected.
If BMWFS reviewed this documentation and deemed it to be insufficient, they did not indicate it in their response. If BMWFS is going to assert that data within their system supersedes or negates any printed data provided by a consumer with a dispute, then they should indicate that and provide an explanation as to why they would choose to ignore relevant information provided by a consumer and instead favor their internal system, which from my perspective, is faulty and the reason for this entire issue. In short, it would be unfair to simply dismiss documentation provided by a consumer and fall back on your own systems data integrity. It is a safe harbor that doesnt exist when it comes to harming a consumer financially, which BMWFS has done. When these contradictions occur ( ambiguity between a consumers evidence and a creditors records ), the creditor should decide in favor of the consumer to reduce or eliminate consumer harm.
Lastly, the response I received from BMWFS dated XX/XX/2021, state the following : Although we certainly regret you were not receiving our contact attempts, any 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. T
his statement appears to be at odds with Section 623 ( a ) ( 7 ) of the FCRA and should raise a red flag re : BMWFS 's ability to comply with the FCRA. Section 5 of the FTC Act states that an act or practice is unfair when it ( 1 ) causes or is likely to cause substantial injury ( usually monetary ) to consumers, ( 2 ) can not be reasonably avoided by consumers, and ( 3 ) is not outweighed by countervailing benefits to consumers or to competition.
BMWFS is committing an unfair act in reporting my account past due for XX/XX/2021. As noted above, I have provided reasonable cause as to why I believe the information BMWFS is reporting is inaccurate. Furthermore, I have explained that BMWFSs response to my initial dispute dismisses evidence that I provided ( or favors their own evidence over mine, it is unclear and was not articulated either way ). Because of this, BMWFS is being unfair to me by causing harm or substantial injury that I can not reasonably avoid. The harm is coming in the form of damaging my credit by reporting a late payment which results in a lower credit score and the corresponding associated punitive measures ( e.g., less favorable loan terms with creditors ). Specifically, because of this I was unable to qualify for refinancing my mortgage to a lower interest rate. Had BMWFS correctly reported my payment history, my credit score would likely be higher and allow me to qualify. While no one really knows what factors affect the credit reporting agencies scoring models, it is commonly understood that a missed payment has a negative impact to ones credit.
This is unavoidable because I have no control over how BMWFS conducts credit dispute investigations. Nor do I currently have any understanding as to why they ignored reasonable evidence concerning my dispute. When these contradictions occur ( ambiguity between a consumers evidence and a creditors records ), the creditor should decide in favor of the consumer to reduce or eliminate consumer harm.
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| 05/31/2020 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Upon checking my consumer credit reports on XX/XX/2020, I discovered that my BMW Financial Account was marked with a 30-day late payment on all major credit bureaus for the month of XX/XX/2020. I made a payment on the 30th day ( XX/XX/2020 ) and was subsequently reported for a 30-day late payment. I immediately contacted BMW to speak with their representatives on the matter and was told I had to write a letter to their credit dispute department. And on the same phone call, although my account was then current for XX/XX/2020, I also placed my account in a 2-month deferment to avoid any further impacts to my credit during COVID-19.
I disputed the 30-day late information in a letter written and mailed directly to the Data Furnisher ( BMW Financial Services ) on XX/XX/2020 to address my concerns. In my letter, I explained to BMW that their consumer website and mobile app were both down on the evening of XX/XX/2020 which made it impossible for me to conduct an online or mobile payment. Therefore I was forced to pay the following day XX/XX/2020 which made the account exactly 30 days late. I also wrote that I solely rely on the online systems to make payments and dont not feel comfortable making automated phone payments because in most cases they involve a service fee. In addition, I attempted to reach a live customer service representative over the phone on the evening of XX/XX/2020 however, I called at approximately XXXX PST ( 1 hour ) after the offices had closed for the evening ( XXXX EST ).
Furthermore, I expressed a desire for BMW to address my concern by acknowledging the website was down and to accommodate a dismissal of the 30-day late reporting.
Meanwhile, upon checking my credit again on XX/XX/2020, I discovered that my BMW account was notated with the AW - Natural or Declared Disaster Code with all major credit bureaus as a result of COVID-19. Upon the code being added, the negative information on my account was removed and my credit scores improved by 45 points. I immediately called BMW back to ask what the code meant and how it would impact my credit because I was confused by what was happening. I was told by BMW customer service that my account would not be impacted and it was a notation only because I had deferred my account payments.
At this point I thought my dispute had been resolved and everything was fine, meanwhile I did not know my rights were being violated.
Upon BMW writing me back on XXXX, XXXX 2020, in response to my credit dispute letter, BMW explained that they understood I was having difficulty with their website ( acknowledgement that it could have been down ) but advised I should have utilized another form of payment such as their automated phone system to complete the payment.
They also wrote that I did not supply sufficient justification to change how they are obligated to report my account the credit agencies.
Meanwhile, my credit score dropped 45 points and my BMW account reverted back to a negative status around XXXX, XXXX, 2020 leaving me even more confused as to what was going on.
At this point I managed to do a significant amount of research on my consumer protection rights and realized that my rights had been violated.
And according to the [ Consumer Data Industry Association Credit Reporting Resource Guide FAQ 58 ], reporting on an account affected by a Natural or Declared Disaster should not have any record of delinquency or negative information reported during the period of which a Natural or Declared Disaster exists. In this case, COVID-19 has a material timeline which includes XX/XX/2020, and ends on the later of 120 days after XX/XX/2020, or 120 days after the national emergency terminates as defined by the CARES Act.
Furthermore, the CDIA indicates, if a trade line has a natural disaster code, any delinquencies during or near the time period that the code is in place should be scrubbed, i.e. replaced with the D code for no information. The CDIA Guidelines clearly state that reporting can not proceed in a business as usual manner with derogatory information being reported despite the natural disaster code. Instead, the Data Furnisher should either report the account as current or no information.
For the record, my dispute falls in direct correlation to COVID-19 along with the AW coding, and this information should be accurately reflected in my account documentation thus removing the 30-day late for XX/XX/2020.
To prevent such harm, the CARES Act requires furnishers to report a credit obligation as current if the obligation was current prior to the grant of a CARES Act accommodation. In this case my account was current prior to XXXX but I still have negative information being reported ( XXXX ) although that falls within the CARES Act accommodation period ( XX/XX/2020, and ends on the later of 120 days after XX/XX/2020, or 120 days after the national emergency terminates ).
And the Credit Bureaus initially changed my account to effectively support the proper reporting guidelines mentioned above on XX/XX/2020 and then reverted back to the negative reporting in the same month. Very strange.
At that point I contacted Equifax and they could not explain what was taking place on the account told me to contact BMW who furnishes the notations on my account.
Reporting negative information with a disaster code doesnt work because that negative information is still in the system, and per the guidelines that have been established by both the CDIA as well as the CARES Act, this is a direct violation of my rights.
The CARES Act covers a wide range of issues, and this rebuttal focuses on Section 4021, Credit Protection During COVID-19. This section amends Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), which generally prohibits a party from furnishing information to a consumer reporting agency that the furnisher knows or should know is inaccurate.
The Act defines an accommodation as an agreement to defer one or more payments, make partial payments, forbear delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer affected by COVID-19 during the covered period, which again began XX/XX/2020, and ends on the later of 120 days after XX/XX/2020, or 120 days after the national emergency terminates.
Therefore, it is my expectation that with this new substantiation of facts and detailed information, BMW Financial Services will reverse the negative 30-day late reporting for XX/XX/2020 on my account Every creditor that furnishes information to a consumer reporting agency must understand the new requirements and scope of the CARES Act. Creditors should carefully review their account servicing and credit reporting policies, systems, and training to ensure they can furnish accurate information as required by the CARES Act about consumers protected by accommodation plans made during the covered period.
XXXX XXXX XXXXXXXX
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| 11/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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To : BMW Financial XXXX From : XXXX XXXX Account number : XXXX To whom it may concern, my name is XXXX XXXX. The reason for this correspondence is to try to get some discrepancies straight that have been posted to my credit report by BMW Financial.Ourordeal began last XXXX of XXXX when my wife purchased the car that she always wanted from BMW of XXXX. The customer service at the dealership was spectacular leaving us with the impression that we were in good hands. My wife picked out the XXXX as the car that she wanted. As her loving husband I co-signed for the car knowing that she had a good history of paying her previous car note on time and so that she could get a better interest rate for the financing of the car. When the dealership ran my credit, I had a current credit score of XXXX, with all of my accounts in good standings. I 've worked extremely hard throughout the years to build my credit to the point where it was at. With my credit score and co-signature we were able to obtain a XXXX XXXX rate for the loan and all was well. The sells representativetold us that our first payment would n't be due until XXXX XXXX, since we were buying the car in XXXX. At this point my wife turned to me andwe discussed her using this extra month with no payment dueas a buffer month to pay her car note andalways be a month ahead.I left the dealership that day happy and proud that I was able to help my wife accomplish one of her goals.
6 or 7 months had passed and I was in a department store ( XXXX XXXX ). I decided to apply for a XXXX XXXX credit line. The store returned with my credit app and extended me a low credit line. I was flabbergasted at the credit line offer due to my previous credit score. The store then explain that there were some derogatory accounts added to my credit report. I then objected to the claims of the derogatory accounts posted to my credit file. They then read off the derogatory accounts, that were all fromBMW Financial. I immediately called my wife to get to the bottom of this, knowing that this must be reportedin error. My wife was baffled by the situation and did n't understand how they were saying that she was late on her payments. That night we went through her payments and saw that she made her payments monthly so we could n't understand why BMW Financial would report them as late. The entire time I 'm thinking if she was late someone would have notified me as the cosigner, rather than report it directlyon my credit. So I believed that this all was some type of mistake.
The next day I contacted BMW Financial, the customer service representative explained that the car payment was originallylate from the first payment. I explained to him that this must be a mistake since she had made a payment in XXXX, putting her a payment ahead of the payment schedule. He then explained that there was a payment due in XXXX when she made her first payment to be a payment ahead of schedule. I explained to him then that the sales represenative from BMW of XXXXinformed us that the first payment would'nt be due untilXXXX.He explained thatI would need tocontact the dealership to have thepayment history straighted out. We then went through the entire payment history to find out why I was never notified of her being late and why it took so long to post to my credit if she was late from the beginning. He explained that she never made a payment in XXXX so that was when the payment actually started accure late days ( 29 to be exact ) .She did n't make a payment in XXXX because she thought that her early payment in XXXX satisfied the first month payment that was due in XXXX. If you look at her actualpayment history? It 's obviousthatwe were under the impression that the first payment was n't due until XXXXShe made the second payment 2 days earlyon XXXX when the payment was actually due on XXXX ( at this point the payment was actually late 29 days ). The third payment was made on XXXX/XXXX/XXXX 5 days before the actual due date of XXXX/XXXX/XXXX ( at this point the payment was actually 26 days late ). Her fourth payment was paid on XXXX/XXXX/XXXX 6 days after the actaul due date of XXXX/XXXX/XXXX ( this wasthe first time thepayments actually reached 30 days past due with an actaul days late being 37 ). The fifth payment was made on the XXXX/XXXX/XXXX 6 days after the actual due date of XXXX/XXXX/XXXX ( at this point the payment was actually 34 days late ). The sixth payment was made on XXXX/XXXX/XXXX 3 days after the actual due date of XXXX/XXXX/XXXX ( at this point the payment was actually 34 days late ). XXXX was also the month when we found out through XXXX XXXX that we were late on the car payments. Ever since the late payments were brought to my attention, I 've been trying to understand why it for me to apply for credit at XXXXfor me get proper notification of late payments being posted to my credit file? I explained to thecustomer service represenative my concerns about this in which he apologized and stated that BMW financial would review my file and straightenit out.
The next day I contactedthe dealership to express my displeasure of being misinformed on very pertinent information. I explained to the Manager and finance departmentat the dealershipthe entire ordeal and explained thatwe were soley following the instructions from the represenative that sold us the car. The finance department explained that BMW financial is a great lender and as long as the payment was made to bring the account to good standing that they would get to the bottom of the miscommunication and straighten out my credit file. It'sbeen 5 months since I brought this to the attention of all parties involved and have had yet to have my credit report corrected.If the salesman would 've correctlyinformed us that the first payment was due in XXXX, I can assure you that if we knew that the first payment was due in XXXX we would 've have never had a late payment.Ever since we 've caught thiserror, the account has been paid on time and is in good standings.If you could please investigate my claims and correct my credit file in which I 've worked so hard tobuild up? I would greatly appreciate it. I 'm sorry for such long correspondence but I felt that the entire ordeal should be explained to fully understand my concerns. I asking the the derogatory late payments be removed from my credit file. I 'm also asking for immediate notification as the co-signer of ANY possible late payments. I pay all of my bills and obligations on time, and would love to prevent anything like this from ever happening again.
Update : BMW of XXXX wrote a letter to BMW Financial assuming responsibility for the miscommunication ( The only letter they 've ever written to BMW Financial ). BMW Financial still refuses to remove the negative remarks from report.
Sincerely, XXXX XXXX Cell, XXXX Email, XXXXXXXXXXXX Sent on a XXXX XXXX XXXX XXXX XXXX
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| 08/19/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Attached to this complaint : https : XXXX 1. Audio Recording of an XXXX XXXX XXXX employee ( Passenger ) stating that his partner ( Driver ) not only tried to fight me during the repossession, but he also tries to fight other consumers during repossession.
2. Audio Recording of anXXXX XXXX XXXXemployee ( Passenger ) acknowledging that his partner ( driver ) intimidated me by threatening to call the police and have me arrested for not giving him the keys and letting him repossessthe vehicle. The employee is also heard agreeing that the actions of the driver were wrong and apologized.
OFFICIAL STATEMENT : XXXX XXXX Location & Time : XXXX XXXX XXXX XXXXXXXX XXXX TN.
XX/XX/2022 XXXX While inside my mom 's apartment, my little sister stated that she heard my car alarm going off. As I looked out of the window, I could see a XXXX male ( passenger ) aggressively shaking my car and attempting to open my the doors and another XXXX male ( driver ) looking under the car. I immediately went downstairs to see what was going on. When I got outside, I asked both men what they were doing. The driver stated " I'm taking the car, that's what I'm doing. '' I then stated to him " Your are not taking my car, who are you? '' The two individuals then began hooking straps to my front tires and lifting up the vehicle ; while stating they had been looking for me for over two hours ; and BMW instructed them to repossess my vehicle. I instructed both men to put my car down immediately. They both refused to do so. Around this time my family was watching from the balcony as well as some of the neighbors. My dad then ran downstairs to see what was going on. When my dad came down he told the two repo men " What's going on? You guys are not taking his car. put it down. '' They both again refused to do so. My dad was visibly upset. To prevent any escalation I told him I would take care of it and asked that he go back upstairs. He complied and went back upstairs to watch from the balcony with the rest of my family. Around this time, the driver began demanding my car keys. I refused to give him my keys in which he then became enraged. He began shouting profanities at me and saying things like, " we're taking the XXXX car '', " pay your XXXX bills on time '', " it's best you give me the keys before you get arrested ''. " If you dont give us the XXXX keys and we can't make a new one, your windows are going to be busted and you'll be paying for that XXXX '' By the driver 's body language and size, it was clear he was using his height and weight to intimidate me. An argument between him and I then ensued in front of everyone watching. At one point during the argument, the driver told me if I touched his equipment or tried to stop the repo he would lay me on the ground. As we continued arguing, I attempted to get things out of my car but the passenger blocked me with his body from doing so. I asked him to move out of the way and he did not. The driver then began yelling ; telling me that I had the opportunity to get my things in the beginning but now I do not. He then instructed the passenger to get inside the tow truck so they could " get the XXXX out of here. '' The driver and I continued arguing for several minutes. During this time, he continually threatened to call the police if I did not move out of the way and give him the keys ; and at one point walked up to me to yell in my face. The passenger then tried to intervene ; attempting to calm things down. The environment was loud, became was very hostile and started to alert additional neighbors. The passenger then went to speak with the driver in private. While doing so, I went inside of my car to get my suitcase. After speaking with the driver, the passenger then pulled me to the side to talk in private. The passenger pleaded with me to give him the keys and make things easy on myself. He stated that if I did not comply, the driver would call the police and I would be arrested. He apologized for the drivers behavior and told me he is just a worker ; and has no authority over the driver. In addition to being arrested, he stated the driver would most likely break the window to get into the car if he does not have the keys. He made it clear to me that no matter what I said or did, they were not leaving without the vehicle. As the passenger and I continued talking in private, the driver began yelling again. He told the driver to get inside the truck " NOW '' ; also stating it was time to go. The driver and I began arguing again. The driver was now instructing the passenger to call the police on me. The passenger then frantically pleaded with me to just give him the keys. He pulled out his cellphone and gave me his phone number and stated he would call me afterwards to discuss everything that happened. He then told me he had to go and told me one last time to give him the keys or things wouldn't end well. By this time, all of my neighbors were watching, my family watched, and I feared being assaulted or arrested in front of everyone ; so I complied with their demands. After giving them the keys, the driver and passenger left with my vehicle. I did not receive any paperwork or information related to the repossession. Later that night, the passenger and I met at the same location where my car was towed. We discussed the event for about 30 minutes, then he left. My last communication with the passenger was a phone call on Tuesday XX/XX/2022.
I firmly believe my rights were violated during the repossession on my vehicle. The unlawful repossession of my vehicle has caused me to be humiliated, has negatively affected my finances, has damaged my reputation, and the threats of XXXX now causes me to have XXXX when encountering truck drivers. It would be very hard for me to accept having my car taken under these circumstances without seeking justice. In other words, I would walk the earth twice to be able to keep my car. Hopefully, everyone understands how much my car means to me personally and professionally.
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| 09/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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on XX/XX/XXXX, I wrote a {$70000.00} personal check from my XXXX checking account to BMW bank of north America to pay my auto loan.
on XX/XX/XXXX, the check was cashed and I received a payment confirmation from BMW Financial Service ( BMW FS ). ( ref : XXXX ) on XX/XX/XXXX, BMW FS sent me a notification ( ref : XXXX ) saying " Your payment on XX/XX/XXXX in the amount of {$70000.00} credited to your above referenced account was return unpaid by your bank ( ... ) Please contact your banking institution with any questions regarding this returned payment. '' I called XXXX and asked them if the transaction was rejected. XXXX confirmed it was completed and corrected amount was deducted from my account and there was no returning payment. So my payment was neither canceled nor returned. I asked XXXX to FAX the proof of payment to BMW FS. The FAX item # is XXXX. I also sent BMW FS my up-to-date Checking account history ( ref : XXXX ) and the photo of the cashed check ( ref : XXXX ) through their message system ( ref : XXXX ). I called BMW FS later after sharing the documents and got the same claim the payment was return unpaid by your bank. BMW FS shared the loan account transaction history ( ref : XXXX ) with me but it's not helpful for solving the issue as there's no information about when and how my payment was returned.
on XX/XX/XXXX, I had a 3-way call with BMW FS and XXXX. In the call, XXXX survey team assured the check was cashed and there is no returning deposit to my account. BMW FS made the same statement, they can't process the payment because it was return unpaid by XXXX and the money should be returned to me. Issue remains unsolved. XXXX recommended me to visit local branch to take further action.
I visited the a XXXX local branch. My banker examined the check and also talked to XXXX back-office to confirm clearance of the check. XXXX back-office told us the check was cleared and was deposited to a XXXX account. They can't share any information about the account owner. XXXX back-office asked us to report a check fraud and obtain a police report case number and then file a claim with XXXX ( ref : XXXX ) so that they can perform further investigation. I reported check fraud online to XXXX Police Depart and waited for police officer to review and approve the report.
on XX/XX/XXXX, I sent a request thru BMW FS message system ( ref : XXXX ) to complete " provide the information from payee '' section in page 3 of my XXXX claim.
on XX/XX/XXXX, BMW FS declined it ( ref : XXXX ) because they're not authorized to send the information through message system. Since the section " information provided by payee '' in my XXXX claim is optional, I didn't follow up with BMW FS to get the information. Besides, I've documented all ( and the same ) information BMW FS kept stating repeatedly from all my previous calls with them in the police report in detail.
on XX/XX/XXXX, the incident was approved and police report number XXXX ( ref : XXXX ) was assigned. Then I visited XXXX branch to submit my claim with claim # XXXX. The claim in brief is : " check payee claimed they didn't receive the payment. However, the check was cashed and my money was gone. Please undo the transaction and help to get my money back as I may be a victim of check fraud ".
on XX/XX/XXXX, BMW FS manager contacted me and asked for the information regarding this incident. I shared the check that got deposit, my account history up as another proof of payment, the payment confirmation I received from BMW FS, and the approved police report document. I asked BMW FS to provide proof of returning payment. No matter it's wired or BMW FS sent a check to me, they should have a proof of returning. I got a reference document number XXXX ( but not the document itself ) and was told it's a XXXX document according to what BMW FS. So I asked my XXXX banker to add this reference document number to my claim as additional material.
on XX/XX/XXXX, BMW FS asked me to share my checking account up-to-date history to make sure the fund was never returned to me. And I shared it ( ref : XXXX ) as they requested.
on XX/XX/XXXX, XXXX claim team reached out to me and told me my claim # XXXX was declined. The reason is " after they examined the check, the account that the check was deposited into, and the transaction history regarding this check, everything is correct as my check requested. It was deposited to a chase account *owned by BMW bank of North America* and the transaction was completed on XX/XX/XXXX and never got cancelled. The proof of check clearance is the stamp by XXXX - XXXX deposit to XXXX XXXX -in the back of the check. And there's no cancellation record about this check so there's no extra information XXXX could share with me. The claim is concluded and closed ''. So according to XXXX, BMW bank of North America holds my money at the moment. Till this day, all information are essentially the same as the ones I provided to BMW FS back on XX/XX/XXXX. All my effort are just double/triple confirmation of the clearance of my check and never received a returning from BMW bank XXXX
final note : I've contacted BMW FS and XXXX a lot more times than what I documented above to try to solve the issue. However, every time BMW FS reply with they'll reach out to accounting team to confirm and then came back to me with the same response they didn't received my payment. Besides, no proof of returning/check deposit cancellation are provided to me. Things are in total deadlock. And the bottleneck is XXXX and I can't get anything decisive proof from BMW bank to prove the returning or cancellation of check deposit. I've done my best effort but still failed to resolve the issue. Being troubled with the issue for about 1 month makes me totally drained and frustrated. I don't believe I can solve it with my effort anymore. So I'd like to ask CFPB to intervene and arbitrate this incident or request solid evidence to support BMW bank 's claim for not receiving my payment.
|
| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Attn : Legal Department XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam, 1. BMW Financial Services Account Number : XXXX Please correct this inaccurate information on my credit report.
I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with BMW Financial Services and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.
( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency.
( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported.
1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts.
Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau.
I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Thank you for your time, XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX
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| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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1. BMW FINANCIAL SERVICES Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with BMW FINANCIAL SERVICES and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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|
Dear Sir or Madam, *1. BMW FIN SVC Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with BMW FIN SVC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 10/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. BMW FIN SVC Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX I immediately disputed this information with BMW FIN SVC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
1. BMW Financial Services Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with BMW Financial Services and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City , Iowa 52244
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| 11/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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1. BMW FIN SVC Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with BMW FIN SVC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection BureauXX/XX/XXXXXX/XX/XXXX, Iowa XX/XX/XXXX
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| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Dear Sir or Madam, 1. BMW FIN SVC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account. I immediately disputed this information with BMW FIN SVC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : SS # : XXXX Date of Birth:XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX
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| 11/03/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. BMW FIN SVC bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 06/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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On XX/XX/XXXX, I decided to look at BMW for a new vehicle. I was shown two, and fell for the second a BMW XXXX XXXX XXXX XXXX that was a XXXX. I failed to demand a " XXXX '' or even do proper research of vehicles actual worth. I started before noon, and was there before closing ( after dark ). During that time, I was told what a luxury car BMW is, how great the maintenance team is, about having service done and a rental car waiting for me so I can do what I need. And all about the " Certified Pre-Owned '' vehicle program, that it has never and can not be in any accidents ( to keep this title ), that it must be maintained by all service dates and regularly also. I was very surprised I even qualified for a vehicle that costs more than my yearly salary. The following weeks, I discovered in the mail numerous creditors denying me credit. I was very confused as to why " BMW Finance '' financed me, yet I was receiving all kinds of letters of denial for credit. Also, I have a credit fraud alert on my credit bureaus until XX/XX/XXXX but I did not realize or understand what had happened. " I just did not get it. '' Within days, I had buyers remorse because the car cost a lot and it would not fit in the garage! Also, it was not even brand new. I had also noticed by then, scratches here and there that were not visible during purchase. And the USB port, sinks into the hole. I called several government agencies without checking my contract, and was basically told it was too late. XX/XX/XXXX, I called in for a service for a full detail, the scheduled maintenance, the fluid changes, a tire with a screw in it, and to have the rental car ready. When I turned in my vehicle, there was no rental waiting for me. I had to be transported to " XXXX '' and then wait for them, and then return the vehicle back to them and get a ride back to XXXX XXXX, XXXX XXXX location, when I was finally told my vehicle was ready. My vehicle was not even ready, after all that! I still had to wait in the lobby for awhile. When I went to pay for my vehicle before even seeing it, I noticed I was not charged for the full detail. I asked about it, and was told, " You were not allotted time for that, besides they did a complimentary cleaning! '' Some cleaning ... when I opened the door I noticed large dark spots on my beige carpet and immediately told the service advisor of it ; in which he cleaned with a windex looking substance. I left pretty upset after all that. Then I noticed the inside had not been cleaned at all.. Later, I noticed the dashboard stating that the service had never been done! I called and left a message, after two weeks I called again. I was then told, " To bring it in, " '' if it was serviced, they 'd correct it ''. ( ( How do I know I got what I paid for, if they failed all of the above?? ) ) The car makes noises and has strong exhaust smells, after it was " serviced ''. I was very upset regarding what I was told prior to purchase, and what had actually happened after purchase. I expected the car to fit in my garage. I got very upset at their negligence and decided they were going to ruin my car, that I better sell it now while I still have low mileage. I made calls to various dealerships and did a lot of research ... That is when I discovered the $ 49k+ vehicle I paid for, was selling for $ 11k- $ 22k!!!!! AND TWO DIFFERENT DEALERSHIPS TOLD ME THE VEHICLE HAD A XX/XX/XXXX ACCIDENT!!! I wrote BMW on-line numerous times, never receiving any real feedback. So today XX/XX/XXXX, I took it to the dealership ( they said they 'd buy it back ). When I finally got to speak to the " Regional Sales Manager '' " XXXX. '' he asked me why I wanted to sell it back so soon, I explained, then he began demanding a check from me in cash!! I told him, I need the quote first, but he kept insisting I pay him cash!!! I requested he take me to his office, where then he said " You do n't have any proof it 's Certified '' and " Is there anything else you want?! '' I requested some " Luxury & Professionalism! '' While again waiting, he made extreme drawn out facial expressions staring at his screen and I noticed a contract on the desk for a brand new XXXX " XXXX XXXX '' for about $ 3k more than I was priced for a used & previously wrecked XX/XX/XXXXXXXX XXXX! I almost cried! He told me he would have to look at the vehicle, before quoting me ( finally )?! He walked around it and kept poking at the tires ( about {$350.00} a piece/to the $ XXXX car??!! ) then he, himself quoted me $ XXXX to buy back, verbally with no written quote. Even after I requested a written quote. His behavior was unsettling. All of these actions are not the type of behaviors one would think of regarding, BMW. I was not given specific information regarding the " Certified Pre-Owned '' Program, only repeatedly told for hours. This car has a wreck on it 's VIN number, I was lied to and over charged, the maintenance was horrible if it was even conducted, and there has been no professionalism whatsoever from this " Regional Sales Manager ''. I do not trust this place at all, they ran my credit through every possible creditor but their own until last, everything they told me has been a lie, the maintenance did not fully do their job, the service advisor failed my requests, and I believe this is serious fraudulent activity. Also, I specifically remember being quoted around {$8500.00} for my " trade-in '', I do n't understand how I missed that on the contract signing! I have copies of the contract, the warranty, the BMW Certified Pre-Owned Owner 's Card and the service paperwork.
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| 12/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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XXXX XXXX is indenture trustee, and as such, the person who signs the XXXX and XXXX forms makes him liable for the securities fraud.
Due to the fact I gave you my XXXX what factors did underwriting use to deny me?
MY commercial paper was deposited dollar for dollar and shared between XXXX BMW, XXXX at XXXX, BMW Financial Services, BMW Financial Securities, BMW XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX.
On XX/XX/XXXX at or around XXXX I entered a consumer credit transaction for a XXXX BMW XXXX XXXX XXXX XXXXXXXX BMW XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX, where it received and accepted my promissory note but it refused to extend the credit for the cash equivalent of my instrument. As you all know an application is a negotiable instrument because it is an initial promise to pay making it a promissory note and promissory note has actual cash value because it is a cash equivalent making it a certificate of deposit. I never received a receipt for your acceptance of my instrument. I was never given the opportunity to negotiate my instrument nor did I receive or refuse any counteroffer of terms presented to me. My instrument also has my security attached to the face of it which is my credit card account number that you used, as an access device, without my written consent, to access to my consumer credit reports and make unauthorized transactions. I gave you my card information as collateral to secure the instrument. My consumer credit report also shows my credit card account number was used as an access device to make an unauthorized transaction by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX. I have never been to XXXX XXXX XXXXXXXX. You used my access device to create an account in my name and deposit my commercial paper with intent to draw on the funds. Did you discriminate against me via adverse action because I made it clear in advance that this is a consumer credit transaction and I will not be giving you security interest in the automobile because I already gave the security while you gave no consideration?
XXXX BMW initially possessed and transferred my secured promissory note with my identification document and authentication feature. Credit not being extended back to me is unauthorized use of an access device and suggests XXXX BMW, XXXX XXXX XXXXXXXX, BMW Financial Services, BMW XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX aided and abetted each other with intent to conspire against, discriminate against, defame, and defraud me. My secured promissory note was never returned to me as personal goods and services or as cash for value of the note accepted.
I Know pursuant 12 USC 1813 ( l ) ( 1 ) when you deposit an application it becomes cash. Keeping my instrument not only obstructs commerce but it gave a false and misleading impression that the instrument is yours when in fact it belongs to me. You kept my money and failed to deliver my accessory. What kind of racket is this? Not being obligated to report it deposits doesnt give BMW XXXX XXXX the right to steal from me.
XXXX XXXX In XXXX I know exactly what my credit card is. I am the authorized user of the credit card issued to, accepted by, signed for, and used by me, XXXX XXXX, the accepted credit card holder. BMW Financial Services anXXXX XXXX XXXX XXXXXXXX XXXX used my credit card to view my consumer credit report without an XXXX for Social Security Administration XXXX XXXX Social Security XXXX XXXX form XXXX or my explicit written instruction and consent. You obtained my information under false pretenses and accessed my file without permissible purpose. Form XXXX purposes to protect me, the consumer, from fraudulent consumer credit transactions. You used my credit card and I received no benefit.
I never received any communication, clear and conspicuous, that I had opted in to any form of credit reporting. I was unaware that I had opted into any form of credit reporting since I was never given the opportunity to opt out of said reporting. You shared my nonpublic personal information with unaffiliated third parties, causing me injury by defaming my character, effectively leaving me XXXX and open to further XXXX in credit transaction processes. Why didnt you extend my credit by financing the sale with purchase money from the credit you received, accepted, and transferred from me? XXXX BMW deposited and traded my application with BMW Financial ServicesXXXX XXXX XXXX at XXXX, BMW Vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX.
So basically you all aided and abetted each other in stealing from me by committing securities fraud, mail fraud, and wire fraud effectively obstructing interstate commerce. How much money did you take and share from depositing and trading my commercial paper? How much interest did you all make?
Ive made phone calls and Ive sent letters attempting to resolve this with you all several times. You have failed to rebut my affidavit of fact in response to adverse action. You have failed to rebut my affidavit of fact notice of default with opportunity to cure. An unrebutted affidavit stands as true and he who leaves the battlefield first loses by default. You are in default. You cant just violate The Truth in Lending Act, The Equal Credit Opportunity Act, The Fair Credit Reporting Act, The Electronic Fund Transfer Act, The XXXX XXXX XXXX of XXXX.
Just because BMW XXXX XXXX XXXX XXXX have to report their securities Consider this letter as notice to all persons of my intent to sue and report you to the Securities Exchange Commission XXXX
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| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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XX/XX/XXXX Autopay payment for XXXX processed from XXXX account that was closed due to identity theft on XX/XX/XXXX On XX/XX/XXXX I proactively logged into BMW FS portal and added the new bank account ending in XXXX that replaced the previous account closed due to the identity theft. This account was set to be the primary autopay account.
On XX/XX/XXXX I proactively made the payment of XXXX from the new account to cover the autopay payment which I knew would be returned, though it had not been returned as of this date.
On XX/XX/XXXX, I received notice that they autopay payment drafted on XX/XX/XXXX was returned unpaid by my bank.
On XX/XX/XXXX I made the payment of {$30.00} from the new account to cover the autopay payment return payment fee.
On or around XX/XX/XXXX I sent a secure message to BMW requesting the return payment fee be waived due to the identity theft issue that had just occurred and also whether a lease payment could be deferred at all. I received confirmation that the fee was credited back to my account and that lease payments could not be deferred.
On XX/XX/XXXX, BMW attempted to process the autopay payment from the OLD account once again, despite my having added the new banking information the previous month.
On XX/XX/XXXX, I requested a payoff document for me to buy-out my lease with BMW through my credit union which was good through XX/XX/XXXX. The total amount of the payoff was {$40000.00}.
On XX/XX/XXXX, the payoff check was sent to BMW via overnight mail and was deposited by BMW to their bank account with XXXX XXXX on XX/XX/XXXX. This check amount included {$14000.00} allocated to the remaining lease payments, {$28000.00} for the residual amount due with a credit of {$2800.00} for the Unearned amount. Whereas the check was cashed on XX/XX/XXXX and applied to my account, it is once again impossible to have any late payments.
On XX/XX/XXXX I sent a message via the secure message portal to customer service as the title had not yet been received by my bank.
On XX/XX/XXXX I received a reply stating that the amount received had not been applied to the account due to the account being short {$620.00}.
*****Note that the check for the payoff had already been cashed and would have had to be credited to my account for accounting purposes. Also note that the credit reporting agencies ALL report that BMW updated my account to reflect it being paid in full in XX/XX/XXXX.
On XX/XX/XXXX, after receiving an email from BMW to call them about my account, I called and spoke with a customer support rep who was unable to provide the details around the payoff and title or the issue with the payoff shortage. I was transferred to a supervisor who at that time informed me that the payment for XXXX was returned and WAS NOT included in the payoff dated XX/XX/XXXX. When I asked why the payment was drafted from the old account when I had added the new information AND had the previous months payment taken from the new account, I was told it was because I did not delete the original account information from the account and that simply adding the new account was not enough, though she did confirm that she saw the new account listed on my account. I asked whether this was being reported as delinquent and the supervisor explicitly said, No. I authorized the supervisor to draft the payment of {$620.00} from my new account, which she was able to do WITHOUT me providing the account information to her. It was also explicitly stated that the amount being paid was the remaining balance on the account, NOT the lease payment from XXXX.
*****Note that this amount of {$620.00} DID NOT include any late fee as would customarily be charged if a payment were actually late.
On Thursday, XX/XX/XXXX, I received notification that I had a message in the BMW message center. I retrieved the message, and found that BMW was issuing me a refund in the amount of {$1300.00} to the same bank account that I have twice previously instructed them to cease using as it was closed due to identity theft in XXXX. I called and spoke to a representative who stated he put in a request to the back office to halt the ACH transaction and yet again I provided the bank information for XXXX XXXX Bank ending in XXXX. As of XX/XX/XXXX, I still have not received this refund, not had any further communication from BMW on the status of the stop request.
In the attached document, you will see the various reporting to the credit bureaus, the removal or modification of the reported information multiple times, and the vast difference in the information being reported. The credit bureaus have disputed this and each one came back and said that the information was confirmed or updated by reviewing the reporting form submitted by BMW.
The bottom line is that I paid this car off in full on XX/XX/XXXX. There were NEVER any 30+ day late payments as the check they cashed was broken down BY BMW as including {$14000.00} for the lease payments. The check could not have been cashed if it was NOT applied to my account as there was another lienholder involved and the check was from them and by cashing the check BMW was obligated to release the title to them. BMW is reporting different information to each credit bureau, they have modified the reporting more than one time without cause, and the information is not only inaccurate, it is severely affecting my credit score and has halted the refinance of my home. BMW is very aware of the dispute I am raising and they have yet to respond to me directly since I first raised the issue more than 30 days ago.
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| 10/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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As I was the owner of this preowned XXXX BMW XXXX VIN XXXX which was Certified and purchase during XX/XX/XXXX and refinanced till he year XX/XX/XXXX with the understand that is BMW XXXX car should be in good condition until the year XX/XX/XXXX. To add, this car was serviced by BMW XXXX. I was also told that this car was in good condition and did not need a warranty throughout its service life only to maintain oil changes due to the low mileage on the car. However during XX/XX/XXXX this car had significant malfunctions due to manfucaturing parts and the car kep shutdown and would not work without warning after several repairs. The car doors would be locked while sitting inside and would not open or car would not start and shutoff in the middile of the road due to malfunction parts without any warning or service alerts, such as faulty battery connections and gas gauge accelerator or fuel pump not pumin gas and along with computer malfunction not able to provide alters etc such as service warnings.
After towing the the car to BMW XXXXXXXX to service they stated the car was now repaired. Again 4 weeks later after service and some attempt to repair by BMW XXXX the car shutdown again for gas gauge and accelerator issues.
I also received several recall alter letters about my BMWXXXX manufacturing parts, before and after service repairs. BMW corporate did also pay to fix several parts however would not take full responsibility of manufacture gas gauge parts and or battery. As I continued to have BMW manufacturing troubles and the chances of having the car to ketch on fire due to manufacturing gas gauge parts and after sverval complaints to my original Sales rep he relayed that the car was no longer good due to unforeseen malfunction manufacturing parts and that I will need a new car to be safe. Since I no longer felt safe and worried everyday about the car being caught on fire and as a customer for almost 20 years and wanting to feel secure again I agreed again upon trading in for new preowned XXXX BMW in which the sales person told me I would qualify for with my husband as the cosigner.
So I returned with my husband after receiving offer letters and phone call. After a full day signing documents for a new preowned BMW XXXX which was similar to my XXXX and agreed upon by BMW XXXX salesperson/dealer with a cosigner and approved by dealer and finance that took 8 hours the sales person then stated we can no longer qualify as per BMW Financing and the BMW Financing will no longer authorized finance for XXXX and BMW will only qualify us for a BMW XXXX The sales person stated we had to accept this deal today because this was the only deal by BMW Financial available to us. I attempted to cancel contract and requested to comeback another day and requested to have my old XXXX return and was told could not.
Again also after signing for BMW XXXX and realizing the features and drive or comfort as told to me were not the same as my XXXX features and comfort within 12 hours I requested again to cancel the BMW XXXX contract and was told I could not once again. I then contacted BMW Customer Relations and BMW Finance and complained about the troubles that I had with the XXXX and I just wanted my car fixed so I could feel safe again and that I wished for my BMW XXXX to be returned to me since I refinanced till the year XX/XX/XXXX with the understanding that my BMW XXXX will still be in good condition when I refinanced.
Also when contacting BMW Finance and BMW Corporate Customer Relations and explaining my dissatisfaction regarding the dealership 's bait and switch of trading and deceived practices during the deal to make a sale and also my dissatisfaction of the XXXX comfort , drive and features along with the new payment not truthfully disclosed to me/us, I was told by BMW Finance representatives this was misrepresentation of facts by the BMW dealership sales person and that our financing options for a BMW XXXX was not denied by BMW Finance yet by the dealership and I have to deal with the dealership.
Also since after several repairs on the XXXX which was malfunctioning within 1 month from XX/XX/XXXX to XX/XX/XXXX we were told by the salesperson we would qualify for XXXX trade in which is the main reason why we went to the dealership to resolve the issue and as we were lead to belief the BMW XXXX will continue to have malfunction manufacturing parts to be repaired.
Also we were told the old balance of the XXXX will be for dissolved in trading into a new XXXX payments with being est {$820.00} however, the old balance of {$12.00}, XXXX for a car that was in default by manufacturing parts was now added to the new XXXX loan and payments for the BMW XXXX will be {$830.00}.
This was a bait and switch transaction, where we feel this is very wrong. We are still paying for a manufacture malfunction BMWXXXX along with additional vehicle recalls. This residual loan balance of {$12000.00} is truly unfairly added to a lesser value car such as BMW XXXX at {$48000.00} which brings the new loan to {$60000.00}.
I have contacted BMW Corporate Relations several times and was told this is between me and the dealership. I am requesting your assisting with BMW XXXX and BMW Corporate as I would like for them to return my original BMW XXXX fixed or BMW XXXX with no recalls, a car with safer parts and the same features of my BMW XXXX or a BMWXXXX which is now worth {$60000.00}. It is not fair for me/us to pay for a car that I do not have or for a car that was defective due to unforeseen manufacturing parts or a recall vehicle.
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| 08/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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In the middle of XX/XX/XXXX, I tried to purchased used XXXX XXXX from private party who had had financing with BMW. As a selling price, I was taking over her remaining balance through XXXX. His name is XXXX and his manager is XXXX. In the beginning of working with XXXX, he never never executed his promises. He had to send documents to sign, me and the seller but it had been delayed for two days, so I kept asking that next week would be XX/XX/XXXX so please send them as soon as possible. I and seller also asked, at least more than XXXXhree times, what documents did we need to transfer and register the vehicle. Seller kept asking that didn't we need the title but XXXX said no, we didn't need the title to transfer, but he was wrong. We had to have the title. Obviously he made a mistake. The day XX/XX/XXXX, I and the seller met at RMV ( DMV in Massachusetts ) because he would send the documents that we needed to sign. I told him before I left for RMV, could you send the documents to the seller please? because we gon na meet at XXXXXX/XX/XXXX but you haven't sent the docs to me but if you send them to seller, she could print out the docs and meet me up at RMV, therefore XXXX sent the docs to the seller, which clearly means XXXX believed that we could transfer there vehicle with the documents. If he were knew that we couldn't transfer and register the vehicle, he had to tell us the entire process which takes up to two weeks, actually it has been taking more than four weeks now.
On the day I and seller met at RMV and realized we couldn't transfer, the seller took her plate and park in my apartment. So, since XX/XX/XXXX, I don't have plate but I have kept the car. Even worse frustrating situations began, I didn't know the entire process because he hadn't told me. Next Monday, XX/XX/XXXX, he still didn't tell me the whole process and how many days would take but he said, he would find out the way to expedite the process and would call me back. I waited a couple of days more, he never never called me back. A week had already passed. I as a reserve, had a training for two weeks that started XX/XX/XXXX, so I had to rent a car for 20 days. XX/XX/XXXX, XXXX who is one of the representative, was quite trustworthy, he explained entire process which was XXXX funds to BMW and BMW release title and XXXX received it and send it to me, which might take a couple of weeks. I talked to one of managers, he said they would do the best as they could, however it still hasn't done yet. It's been a month. For a month I haven't been able to drive. They said BMW should work on it, when I call BMW, they said XXXX was still working on it, they didn't have any responsibility. XXXX, is the worst. One day, accidentally for him, answered my phone call and I asked, are you XXXX who has been working with me? and he said oh, yea, I will check your status, and put me on hold for 30 mins, I just hang up after 30 mins which was totally unacceptable and disrespectful. He has been obviously avoiding my call. He and XXXX never never called me but they said they would call me back. If they were willing to prioritize my case and situation, has they ever call BMW? what kind of effort or taking actions for this situation? even the process has been taking longer that two weeks. They never called me back and update. They didn't tell me the process. I had to spend more than a thousand dollars for rent car, spent at least more than 20 hours of calling and being hold, argued with my wife for this issue so far, mentally and physically exhausted and so frustrated. They are so irresponsible and annoying, the way they are working is totally unacceptable. If you play recorded conversation, you might know they sometimes block my call or just hang up my phone that were so so disrespectful and annoying. They never consider my inconvenience and money. I believe they have to compensate my damage. My rental car, time, conflict with my wife and family, mentally damages, emotionally salvaged.I feel they are not responsible for this issue and never mind my situations.
As of today,XX/XX/XXXX, I checked BMW they sent the title to XXXX XX/XX/XXXX, XXXX told me last week, as soon as they received the title from BMW, they would send the title with paperwork directly to me, however, an hour ago I talked to XXXX and he said, they received the title and then sent it back to BMW and BMW should send the title and the paperwork to me. It is so so unacceptable and hard to understand, they changed what they have been telling me again and I called BMW again to make sure, and BMW said they never does that. As soon as they sent it to XXXX, XXXX is the one who send the title and the paperwork. What is this awful, awkward, terrific situations.. Either XXXX told me lie or he still doesn't know the process or what the heck is this happen.. I have called to XXXX everyday since XX/XX/XXXX and they kept saying that they didn't received the title so they couldn't send them to me but XXXX is saying such a different story.. I am so so annoyed and frustrated. After I talked to BMW, I tried to call them back the Refijet, they never answered for 40 minutes.
They have been avoiding my call, never gave me the correct information, lack of honesty and responsibility, they have to compensate my money, time, mental damage, emotional damage, relationship with my wife, I haven't been able to do my job properly, It has been a nightmare to me for a month. This started beforeXX/XX/XXXX. Now I have to extend my rental car again.
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| 08/04/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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On XX/XX/2023, my husband and I leased a XXXX XXXX XXXX from BMW of XXXX ( XXXX XXXX XXXXXXXX ). For background, at the time we were leasing a XXXX XXXX where the monthly payment was {$950.00}. Our goal going into BMW of XXXX was to lower our payment, make the move to an all-electric vehicle, and not pay a single dollar ( due to our equity we had in the XXXX ) out the door ( down payment, taxes, licenses, fees all-In ). Our salesman assigned, XXXX XXXX, was made aware of our not to exceed or out the door - all-In monthly payment, which was targeted at {$780.00} and after negotiating the deal over several hours, we finally agreed upon the price of as dealerships say out the door of {$780.00} per month over a XXXX period at XXXX miles a year ( XXXX miles total ). When we met with and finalized the deal with the finance manager, XXXX XXXX and signed the paperwork, we reviewed the contract, initialed and signed, and made the required initial first month payment in the amount of {$780.00}.
As we have with all of our leased cars over the past 9+ years, we set up automatic payments to draft the monthly payment amount of {$780.00}, as agreed, and the second payment in that amount was paid on XX/XX/2023.
Upon review of the payment due for XXXX, we noticed that there was an adjustment to the regular monthly payment, with an increase of {$80.00} per month for sales/use tax. This resulted in a new monthly payment of {$860.00}. We contacted BMW of XXXX first and then followed the directions that were told to us and that is all captured below.
Monday, XX/XX/2023 : We called BMW of XXXX first, spoke to XXXX XXXX our salesmen and he advised that he would have a manager contact us to discuss this issue.
XXXX XXXX, the finance manager who finalized our deal, called us back and advised that this adjustment was made by BMW Financial and that we needed to resolve the issue with them. He indicated that BMW of XXXX had been advised that they were not required to include sales/use tax for EV vehicles, leased by XXXX XXXX residents XXXX He then also acknowledged that as of Thursday, XX/XX/XXXX, BMW of XXXX received an internal notification stating that they in fact needed to include sales/use tax on EV vehicles that were leased by XXXX XXXXXXXX residents and this would affect consumers. we requested that XXXX have someone else contact me in management to continue discussions and options to make this right, XXXX said he would have someone call us back.
XXXX XXXX, the sales manager involved in the original negotiation, contacted us to discuss the mistake. He acknowledged the issue and confirmed the internal notification noted by XXXX during our first call that they were not compliant in calculating and including the sales/use tax on leased EVs for XXXX XXXX residents . However, he did indicate that the issue was caused by a change in XXXX XXXX law ( which we have not been able to validate ). He further stated that BMW of XXXX when processing leases through BMW Financials system, that they did everything right, because otherwise, when inputting the sales/use tax, they would have received an error by inputting {$0.00} ( which they did on our contract ) but they did not receive an error when processing our deal. XXXX continued to advise that this needed to be resolved by BMW Financial Services. We advised XXXX that we could discuss negotiating the contract to honor the original price in the signed contract as it was, but that it would have to be inclusive of the sales/use tax. XXXX stated that he would contact us the next business day ( Tuesday, XX/XX/XXXX ) with options to resolve.
Conclusion : After now talking with both entities, it was clear that both BMW of XXXX and BMW Financial were passing the blame on each other. And us as the consumer, were left unclear as to who had the responsibility to resolve this mistake and neither seemed to want to resolve this mistake.
Tuesday, XX/XX/2023 : XXXX XXXX stated on XX/XX/XXXX that he would call us back with options to resolve this mistake. We did not receive a call back. After not receiving the promised callback, we left a message and still did not receive a callback.
Wednesday, XX/XX/2023 : We called XXXX XXXX, left a voicemail, and did not receive a callback.
Thursday, XX/XX/2023 : Due to the lack of response from XXXX XXXX, we called our original salesman, XXXX XXXX to attempt to get a response. XXXX answered the call and said, he would have XXXX XXXX, call us back.
XXXX XXXX, called us back and left a voicemail ( we were not able to answer his call, because we were on the other line with BMW Financial )XXXX XXXX XXXX voicemail said, he would have the General Manager contact us Friday afternoon due to the GM being on PTO ( this continues to prove that BMW of XXXX is allegedly relying on us to not continue to follow-up ) While talking with BMW Financial they advised that due to the dealership mistake, that we would need to undergo a contract rewind which by their definition, means that we are subject to signing a new contract to include the sales/use tax. BMW Financial acknowledged that this is solely under the dealership discretion and that it may result in the increased payment amount indicated by their new statement with the sales/use tax. They indicated that they would attempt to call BMW of XXXX to solicit a response.
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| 10/27/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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On XX/XX/XXXX, I leased a XXXX XXXX XXXX XXXX-Drive from BWM of Bloomfield. That lease was assigned to XXXX XXXX XXXX ( XXXX FS ). My leased vehicle was declared a total loss by my insurance company on XXXX as a result of water damage from XXXX XXXX in XXXX, NJ.
My insurance company ( XXXX ) determined the replacement value of the vehicle is {$79000.00}. I have a right under my lease agreement to purchase the automobile for a contractually determined payoff amount which as of today is {$64000.00}. Accordingly, my insurance payment exceeds my payoff amount by {$14000.00} ( the Excess ).
XXXX XXXX XXXX issued a Letter of Guarantee to my insurance company ( and its title procurement company, XXXX ) indicating it would release its lien on the automobile and transfer title to the insurance company only if the insurance company pays over to XXXX FS the entire payoff amount. In several electronic communications, XXXX XXXX has told me it intends on retaining the excess proceeds it receives from my insurance company, thus providing it with a substantial windfall.
BMWs lease ( attached ) does not entitle it to retain the Excess. The lease contains provisions requiring me to maintain insurance on the vehicle, naming XXXX XXXX as an additional insured ( section 21 ) and provides that I am responsible for maintaining the vehicle ( section 20 ). It also provides an express gap amount waiver ( section 26 ), which protects me from having to pay any amount in excess of the Adjusted Lease Balance of the vehicle over the insurance payoff amount ( presumable this gap waiver is calculated into the value of the lease ). However, section 26, entitled Gap Amount Waiver is silent regarding what happens if the actual cash value of the vehicle as of the date of loss ( i.e., the insurance payment ) exceeds the XXXX XXXX XXXX. Indeed, Section 26 suggests my liability is determined based on the XXXX XXXX XXXX, which is the basis on which the payoff amount is calculated.
Sections 28 33 cover how the lease may be terminated and describe payments I can make to purchase the vehicle. Section 31 covers payments on early termination. Although XXXX claims otherwise, nowhere in the lease does it indicate my right to purchase terminates if my insurance company declares the car a total loss. Indeed, XXXX still quotes a payoff amount for my vehicle ( see attached ) over a month after it was declared a total loss ). I have communicated to XXXX that I am ready and able to purchase the car from them directly if they somehow believe that receiving a payment from an insurance company changes my early termination payoff rights ( which frankly makes no sense ). While XXXX recently started cautioning in its payoff quotes that they will not honor those quotes if they receive payments from third-party dealers ( a limitation I might add is NOT in its lease but is XXXX they have unilaterally imposed in light of current market forces ), it does not have a similar limitation regarding any other third-party payments.
XXXX seeks to receive a windfall to which it is not entitled under a lease agreement that it drafted and is essentially a contract of adhesion. In this case, it seeks to collect an insurance payment of {$79000.00} in connection with an automobile that had an initial capitalized cost of {$80000.00}. In addition, it has received nearly {$15000.00} in lease payments over the past 18 months. This makes no sense economically and no sense under BMWs lease agreement. XXXX had an opportunity to clearly draft its lease agreement to seek terminate consumers purchase rights and to claim any excess proceeds in the event of a total loss ( although it is not clear why it legitimately could do so ), yet it didnt. it has made an economic decision to claim assets to which it is not entitled and thus harm New Jersey consumers following a natural disaster that caused a huge number of totaled automobiles in New Jersey, and an unusually inflated automobile market as a result of a chip shortage and COVID-related supply chain issues.
XXXX XXXX is seeking to take advantage of the numerous New Jersey consumers who leased BMWs and suffered a loss as a result of the massive flash flooding on XX/XX/XXXX as a result of XXXX XXXXs remnants. Moreover, the reason the insurance proceeds for total losses like mine are so high is that the current car market, because of chip shortages and Covid-related supply chain issues, is relatively illiquid and extremely inflated. Indeed, the automobile I leased to replace my totaled automobile has increased my cost by almost 30 %. That increase should be covered by the settlement value of my totaled car, but XXXX XXXX is seeking to deprive consumers by taking from New Jersey consumers the increased value of their totaled vehicles ( which should go toward the cost of replacing their vehicles at currently inflated prices ), plus XXXX is taking advantage of the current chip shortage and COVID-related supply chain issues to sell replacement vehicles at much higher than usual prices. This is a double win for XXXX, but a total loss for New Jersey consumers like me who will be forced to take legal action against XXXX XXXX simply to recover overpayments XXXX has inappropriately claimed in the hopes consumers will not be able to protect their rights adequately.
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| 07/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I, the consumer and original creditor, entered a consumer credit transaction with BMW FINANCIAL SERVICES on XX/XX/XXXX to purchase an automobile from XXXX XXXX XXXX XXXX in XXXX, Georgia using my credit card. A credit card is defined by Congress as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I used my credit card in connection with a credit sale which I, the consumer and original creditor, submitted a credit application with XXXX XXXX XXXX XXXX, and in return, they falsely provided me with an alleged loan or alleged Motor Vehicle Retail Installment Contract. BMW FINANCIAL SERVICES sent me, the consumer, an alleged copy of the alleged contract to my private abode. In the alleged contract that was provided to me, by BMW FINANCIAL SERVICES, there was a finance charge of ( {$10000.00} ) referenced in the alleged contract, in connection with the referenced consumer credit transaction, in connection with the billing statements and account number in the attachments ; which BMW FINANCIAL SERVICES charged me additional finance charges, after the initial finance charge in connection with the referenced consumer credit transaction. A finance charge as defined by Congress, in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. BMW FINANCIAL SERVICES did not provide to me the required disclosure forms for me to exercise my right to rescind in connection to the referenced consumer credit transaction. On or around XX/XX/XXXX BMW FINANCIAL SERVICES began to send false and deceptive forms to me, making me believe I was obligated to make payments to an alleged debt. After being deceived and misled by BMW FINANCIAL SERVICES, I began to make payments. Upon further understanding my rights, I served BMW FINANCIAL SERVICES with a DEBT VALIDATION LETTER and notice to CEASE and DESIST all communication by all means on XX/XX/XXXX. The notice was sent via USPS certified mail and delivered on XX/XX/XXXX. BMW FINANCIAL SERVICES had 30 days to give an appropriate response to the notice. BMW FINANCIAL SERVICES sent a response with a date of XX/XX/XXXX. The response was not sent back by any certified mail or any mail service to confirm receipt of delivery. I was not physically in receipt of the response until after the allotted 30 days given in the notice. BMW FINANCIAL SERVICES did not give an appropriate response to the notice. They did not honor the notice to CEASE and DESIST. They did not provide any legal or lawful validation of any obligation for me to pay them for any debt or alleged debt. They provided a misleading form with terms and conditions that are based off fraud. They did not provide any legal or lawful conditions that binds both parties ( me and them ). They did not provide a full disclosure of the actual accounting of the referenced consumer credit transaction. They did not offer any equal consideration or bring anything of value to this matter. BMW FINANCIAL SERVICES fraudulently granted themselves a security interest in this matter. They do not own anything in connection to the referenced consumer credit transaction. The signature on the form they provided is from the finance manager of the car dealership. BMW FINANCIAL SERVICES did not sign the alleged contract. On or about XX/XX/XXXX, I received a letter in the mail from BMW FINANCIAL SERVICES dated XX/XX/XXXX, stating they repossessed my automobile and are planning to sell my automobile unless I pay them a total of {$97000.00}. This is literally EXTORTION and is a criminal act! BMW FINANCIAL SERVICES has not provided any lawful obligation for me to pay them anything for any reason. I did not give any consent to BMW FINANCIAL SERVICES to take any action on or against me or my personal property. BMW FINANCIAL SERVICES sent the company XXXX XXXX XXXX, who is an unauthorized third party to this matter, to steal and store my vehicle. They were not a witness to any contract in reference to the consumer credit transaction. XXXX XXXX XXXX has implicated themselves along with BMW FINANCIAL SERVICES in intentionally deceiving me and attempting to collect an alleged debt that is not owed, and stealing my personal property and attempting to coerce me into paying them for it. Upon calling the number provided on the forms from BMW FINANCIAL SERVICES, I was told they could not speak with me unless I remove the CEASE and DESIST that is still in effect. So they are aware of the notice to CEASE and DESIST and have not taken the appropriate actions with the requests in the notice. On XX/XX/XXXX, I sent BMW FINANCIAL SERVICES an AFFIDAVIT OF TRUTH stating the facts of this matter. They have have not responded to my AFFIDAVIT OF TRUTH. BMW FINANCIAL SERVICES has caused me extreme financial damage and mental and emotional anguish. BMW FINANCIAL SERVICES continues to use deceptive means to attempt to collect an alleged debt. BMW FINANCIAL SERVICES is in violation of multiple federal laws of the Fair Debt Collection Practices Act, Fair Credit Report Act, Truth and Lending Act, and Gramm-Leach-Bliley Act.
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| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I follow your guidelines and rules very carefully and this is my fourth or fifth attempt with this company XXXX and their very very unprofessional and unethical practices of reporting this account that is not only from XXXX wellllll over the statutory limit rate and time frame but it is not mine! I have reached out to all parties involved and all of the other consumer reporting agencies have investigated this and taken it very seriously and after I provide my paper work and the proof of my whereabouts during this time they have erased this from my consumer file completely! And under code 15 U.S. code 1692 C C And this letter is a formal complaint that they are reporting an accurate, and then complete credit information. According to the fair credit reporting act section 609 a one a you are required by federal law to verify throughout the physical verification of the original sign, consumer contract, any and all accounts that you post on a credit report They have failed to positively verify these accounts, and have disabled my ability to obtain credit. Under the FCRA unverifiable accounts must be removed. You must remove the account listed and under federal law they have 30 days to complete the re-investigation. This is my fourth or fifth attempt to do this and now I am writing to the consumer financial protection bureau, as well as the federal trade commission. I have reached out to the creditor the original creditor, and I am also sending them a copy of this complaint, and I also have a complaint from them that I have filled out. I am also disputing this with XXXX once again. XXXX is the only credit report company that is still furnishing this on my credit report as the other consumer reports have investigated and properly remove this account from my credit reports.
For the record I stayed again I have no account with you and or this company nor am I there customer nor have I entered into a contract with them. I must ask the following information please evidence your authorization under 15 USC 1692E and 15 USC 1692F in this alleged matter.
What is your authorization of law for your collection of this inaccurate and falsified debt please evidence or authorization to do so, and please evidence proof of the alleged death, including specifically the alleged contract, or any other instrument bearing my signature, because they are currently in violation of the fair credit reporting act in the fair debt collection act.
XXXX BMW FINANCIAL SERVICES INSTALMENT DATE OPENED XX/XX/XXXX ( wayyyyy over the FCRA timeline and guidelines ) Open/CLOSED CLOSED STATUS -chargeoff ( so its closed and a charge off? ) Updated XXXX XXXX ( once again illegal, because how are they updating my credit for and my consumer reports without my knowledge ) Past due amount XXXX ( amount cant be verified as my personal debt ) Terms XXXX XXXX Responsibility joint account Comments says that it has been transferred to recovery and has a charged off account at a fixed rate, which also is inaccurate and any information that I have been furnished with has been an inaccurate address that I have never lived out and can not be validated. I also have an identity theft paper from BMW, financial services of me requesting information as well, and I am going to keep going and keep writing next I am going to do another report and the federal trade commission and I will continue this one until this is taken off of my credit report off of my consumer file like it has been properly done with the other agencies, once again, this is in violation of my rights it is implementing me from having a fruitful life and has been verified as hill, legal and unverifiable and unconstitutional and not mine but yet and still this company wants to keep it on their credit report I am going to retain an attorney and continue investigation into this. I also know that all other parties involved that have never been contacted or reached out to and this is not affecting them like it is affecting me, I would like this completely removed from my consumer file with XXXX. This is not fair. This is a debt from XXXX that is not verifiable and was originated without my consent without my signature. I have not been furnished any original documentation from anywhere or anyone that furnish is my signature, allowing this debt or this business to take place or transfer through from any of the corresponding companies or parties involved and that is very serious, also XXXX has failed to respond in proper time frame so this time I am keeping track of the time frame it is XX/XX/XXXX and I am not taking this lightly. Thank you.
The company itself BMW financial services has also sent me an identity theft form. They can not send me or furnish or verify anything with my name or my signature that is accurate everything they have is in accurate from the address to the telephone number and they did not get my updated information until I started reaching out to them to validate this debt. I want that on the record they still are not reaching out to me at my correct address and still do not have my address or my correct information because they can not validate the debt and do not have anything from XXXX when the debt originated that shows it is attached to me
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| 07/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Back in XXXX I contacted BMW Financial about my closed and paid account not reporting to XXXX, also stated that I've spoken to the credit reporting agency XXXX and they stated the account was deleted in XX/XX/XXXX. In XXXX I sent in a goodwill letter and also sent in another paper that made the complaint about the account not showing on XXXX. The complaint in XXXX was verbal and the complaint in XXXX was through postal service. I have attached the copy of letter and credit reporting complaint attached. When I contacted BMW both in XXXX and XXXX I was told the situation would be fixed.
Till date, the situation hasn't been fixed. BMW tried to fix the mistake in XXXX by reporting account, but you can't report an account that was deleted. This info has been given to me by XXXX representative and also their executive offices. BMW FAILED TO REINSERT THE ACCOUNT.
After my postal letter for Goodwill and my CR Complaint was received on XXXX nut uploaded in their system on XX/XX/XXXX I contacted BMW in regards to receiving it and asking them to reinsert the account they deleted. They claimed they received the documents and will work with the CR Team.
After everything by Goodwill letter was denied and also by CR remained unchanged. When I spoke to a representative they stated they reported my account again on XX/XX/XXXX.
See, someone trained in this CR Department would know if the account was deleted, even when reported, would not populate, therefore the account would have to be reinserted for the reporting to populate. I stated this many times and even had some representatives agree.
I've spent over 15 hours on the phone with BMW to resolve the issue, which doesn't include the time on the phone with XXXX.
After so many attempts, I had a convo with XXXX or XXXX a SUpervisor at BMW. Sweetest gentlemen I've spoken with this year probably. He actually listened and went a step further and had me call XXXX to hear it personally.
After getting told the same info that the account would have to be reinserted and also they can call the XXXX Maintenance number and have the account updated in real time, he said he would let the CR Team at BMW know and the case should be resolved soon.
Ever since then the CR Team has said they called XXXX and have been waiting for a call back on an issue that has been an excuse over a week now. Yesterday on XX/XX/XXXX I get a call stating they can't do anything because they're not getting a callback from XXXX.
How can a customer get the Exectuive Offices at XXXX from the customer service line and a whole creditor can't get someone on the phone? Sounds like I'm just getting the run around at this point.
After the call, I immediately called back and spoke to another SUpervisor named XXXX, which I spoke to in the past. XXXX was the supervisor which made me send proof of all the of my credit reports just to substantiate that I guess " I wasn't making up a lie '' about account not showing on XXXX Report.
I sent in the info on XX/XX/XXXX. Track forward to today I find out that BMW used that email and stated that the dispute started on that date but they have 30 days. Mind you this has been an ongoing issue that has been almost 60days in with no resolution in sight. This info was given to me by the supervisor XXXX.
When I also spoke to XXXX yesterday he stated the reason they can't upload my file is that my file is suppressed and that was the information they got this morning. But the conversation I had with a REP said something completely different.
She stated that she just got off the phone with the person handling my case in the CR Department and they're waiting for this PHONE CALL - STILL?
Now, something is fishy? Everybody is running in circles and now making up lies. ANd I believe the lies just fall in not wanting to do the work for a 60 day plus dispute.
When I spoke to XXXX on XX/XX/XXXX he stated pretty much, take a seat and in 30 days will get back to you. So really this dispute will be going on 90 days, with no resolution just the runaround.
BMW fails to understand that the account now showing hurts my credit tremendously. The same issue which is preventing me from getting the best rate personal loan at my Credit Union which pulls XXXX for XXXX, which I've postponed 2 times now, waiting on BMW. I contacted my Doctor today and I will have to find a new XXXX because they can't keep rescheduling me anymore.
Now I have to pay for my doctor visits and test, all out of pocket.
Something BMW financial is not helping with but causing the issue. I've sat her in pain and in patience and can no longer deal anymore. CFPB is my last and final option before seeking LEGAL ACTION.
How somebody can call begging for 15 hours total and nothing is being done is just disrespectful and cruel.
I do thank XXXX and the other representative I spoke to the day after we first talked for probably being the most professional and caring individuals I've ever spoken with.
I can't keep being in pain with XXXX of XXXX at XXXX when the ideal is XXXX. Makes no sense, how I'm being treated.
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| 07/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXXXXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX CREDIT COLL {$1800.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPTEDXXXX {$12000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPTEDXXXX {$31000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$5000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$530.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT BMW FIN SVC {$39000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$3400.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$13000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPTEDXXXX {$9100.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$5600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$1700.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$1800.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$1800.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPT OF ED/XXXX {$12000.00} posted XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPT OF ED XXXX {$31000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$2400.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT BMW FINANCIAL SERVIC {$16000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$3400.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX XXXX {$13000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$5500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$1800.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2400.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPT OF EDUCATION/XXXX {$12000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPT OF EDUCATIONXXXX {$31000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT BMW FINANCIAL SERVICES {$16000.00} posted on XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$3400.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$13000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPT OF XXXX {$9100.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$5600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$300.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$1800.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
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| 03/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I am in the process of refinancing a loan through BMW Financial Services NA , LLC, of XXXX, IL. They have not adequately provided the needed data for me to pay off my loan, and are unwillingly forcing me into late payments, debt collection, and credit report impacts.
XX/XX/2019 : Vehicle purchased and loan initiated for {$20000.00}.
XX/XX/2019 : Loan payoff letter received for {$20000.00} + {$2.00} per day past XX/XX/XXXX.
XX/XX/2019 : Initiated loan with local federal credit union. Check created for {$20000.00}.
XX/XX/2019 : Check mailed via USPS Certified Mail at XXXX XXXX, tracking number XXXX XX/XX/2019 : Check arrived in XXXX at XXXX XXXX per USPS tracker.
XX/XX/2019 : 3 minute phonecall. After not seeing the check register to my account, I called BMW Financial Services. They instructed me that they have not received any check, and to talk to my bank to see if it was cashed.
XX/XX/2019, 13 minute phonecall. I called back and informed BMW Financial Services that my bank confirmed the check was not cashed. They would not instruct me any further, so I informed them that I would like to have my bank resend the same check. I also informed them that I would like this late payment to not be reported to credit bureaus. They agreed.
XX/XX/2019 : 45 minutes added to commute home to visit credit union and gather lost-check form. Emailed form to BMW through their web portal and asked that they return it back. Was informed that they would " We have submitted the attached form to our Accounting Team for review and research. If they are able to complete the request, they will forward it to [ credit union ] ''. When I asked when I could expect this to occur, I was provided with a generic response about my past-due balance ( which was past-due because my check was lost ).
XX/XX/2019, 35 minute phonecall. I spoke with a very competent representative. He gladly jumped into the situation, spoke with the accounting team at BMW Financial Services, and informed me that the form would be sent back within the hour. True to his word, I received an email copy of the form.
XX/XX/2019 : 6 minute phonecall with my credit union. I was informed by my credit union that I needed a wet signature copy, and it would have to be mailed.
XX/XX/2019, 38 minute phonecall. I called back to the BMW FS and was greeted by the same generic debt collection lines. When I tried to explain my situation, they kept repeating the same questions. They asked for the check # that I had told them on several prior phonecalls. They asked me to hold for accounting, which they had done on several prior phonecalls. At the end of the phonecall around XXXX, I was told that " nobody from accounting is in the office any more, you will have to call back on Monday after XXXX XXXX ''. I asked them how there wasn't anyone withing BMW FS Accounting that could mail a form, and they could not answer, again reiterating that I should call back Monday. I informed them that I could not call during work hours on Monday and that I was very disappointed they would not take initiative to provide paperwork supporting a payoff check that I was trying to provide. At this point I asked to speak with a manager. I was informed that there is no manager, and that I could be sent to the escalation service desk. I was forwarded to escalation services, and then hung up after 15 minutes after nobody answered.
XX/XX/2019 : 43 minute phonecall. I initiated this phonecall with the BMW Salesman from who I purchased my car. He understood my situation and offered to set up a 3-way call to resolve the issue. He explained the issue to the BMW FS representative, who then reached out to me and stated " I hear you're looking to refinance '', clearly not grasping that I was already in the process and trying to process the check. After asking repeatedly for this form to be completed and mailed, he offered to forward us to another department. The other department answered, and we again went through the same process. We again asked for the form to be sent. We were placed on hold for roughly 10 minutes. The BMW FS Associate returned and stated that the form can be mailed, and would arrive in 7-10 business days. I mentioned that this is unacceptable and it should be overnighted. I mentioned that BMW FS would claim I had past-due payments within 10 days, but provide a form for me to provide them with a full payoff check, after which I would still have to process with my credit union and send the second check back to BMW FS. When we asked about overnighting, we were told it would not be possible. The BMW FS Associate then mentioned that she would go confirm an address, and was again on hold for over 10 minutes. At this point I had to drop off the call, and I am unsure of the resolution she informed to my original vehicle Sales Rep.
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| 04/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I purchased my car at XXXX of XXXX and financed my car through BMW Financial Services in XX/XX/XXXX. The car has required substantial repairs ever since I purchased it. Ive contacted XXXX of XXXX and XXXX of North America about each issue from having to have the alternator replaced 3 months after purchase ; air bag malfunctions ; battery problems ; and excessive oil consumption issues with the XXXX engine. I had previously received notice that I had the XXXX engine and that I could have oil consumption testing, have the engine replaced based on mileage at a discounted rate, or trade the car in with special pricing.
I decided to trade the car into dealership where I purchased the car on XX/XX/XXXX. I called the number for online sales and spoke with customer service rep XXXX XXXX about a specific car and explained my situation and the problems with the car. She scheduled a meeting for me to speak with a manager at XXXX. When I got there no one knew what I was talking about but I did speak with a manager explained the situation and he had a sales associate named XXXX work with me. The sales associate gave me an estimate of the costs, trade in value, and including a monthly payment amount. I initially thought that the rates and amounts given were based on my current rate with BMW Financial Services. The sales associate came back with a monthly payment of {$710.00} at 72 months with {$2000.00} down and an interest rate at 6 %. I was not sure about making a down payment because I had dumped enough money into the car and the trade in value was lower than expected. I asked about what was taken into consideration regarding the trade in value and the sales associate stated that one factor was due to me not having run flat tires and that my tires needed to be replaced. I have run flat tires and I just purchased them less than 6 months ago from XXXX with supporting documentation. I asked about the interest rate and he said that the 6 % is not my interest rate and that they needed to run my credit. How exactly can you give me my monthly payment and the amount to put down but not know my financing or run my credit. I stated multiple times that I already have financing through BMW Financial Services and told him to use the same address and information that is used for my BMW Financial Services Account. He filled out my application and on a separate piece of paper asked for a signature.
Two hours later while Im sitting in the dealership, Im told that BMW Financial Services declined my loan request because my revolving credit was a red flag and too high. I came back to BMW because Im already established customer and they sold me a car with documented issues. However Instead of talking to me about why BMW Financial Services turned their current customer down the sales associate and XXXX in financing/credit ran my credit through 5 more financial institutions.
I asked what is the required DTI because my income should still balance out my revolving credit. She said she didnt know what was required by BMW Financial Services? I asked to see my reports because something is wrong and she brought in one credit report from XXXX stating Too Many Revolving Credit Accounts. I asked about the other reports but she said she couldnt remember what they listed. As Im reading through the report, Im looking for late or unpaid debts because there has got to be more than Too Many Revolving Accounts as the reason that Im being declined. She pointed to a {$80.00} medical bill that shouldnt even be applicable to the decision because first of all it doesnt belong to me and second of all its under {$100.00}. Medical bills under {$100.00} shouldnt factor into my credit. She stated that I couldnt keep a copy of any of the report.
I know several other customers with the XXXX engine and they expressed that BMW and BMW Financial Services worked with them on their trade in however Im not getting the same assistance or options. My trade in is valued lower without cause and it was disclosed to me that my loan was denied because I have Too many Revolving Accounts or High amount of Revolving Accounts. If BMW, BMW Financial Services, and BMW Certified deny all customers because they have Too many Revolving Accounts or High amount of Revolving Accounts then I would say that I have been treated fairly and that the disclosure of that reason was compliant Regulation B and the Equal Credit Opportunity Act. However, BMW Financial Services has approved new and established customers with Too many Revolving Accounts or High amount of Revolving Accounts. As an established customer I expected better service and I dont believe I have been treated fairly nor in compliance with the requirements of Regulation B and ECOA regarding my denial or the trade in value.
|
| 02/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/XXXX XXXX XXXX XXXX stole my car. I went outside and told them they can not take my property and if they did it is a violation pursuant 15 USC 1692e4.
I told the man that stole my XXXX XXXX XXXX that he was violating my rights as a consumer he did not care, I asked him if he had direct consent from me to communicate with me the consumer pursuant to Pursuant 15 USC 1692ca. He did not which is another violation Pursuant 15 USC 1692ca. I sent XXXX BMW a notice of recissions the Rescission notice is made Pursuant to 12 CFR 1026.23 as I was never told I had 3 days to rescind the transaction nor was I given the notice to rescind forms that come along with all consumer credit transactions. I would like to rescind the transaction, I would like to rescind my signature endorsement ; I participated in a consumer credit contract and not a loan Pursuant to 16 CFR 433.1 ( i ). XXXX BMW has failed to clearly & conspicuously disclose my right to rescind ; Take further notice that Pursuant to 12 CFR 1026.4 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law. Also, on 12 CFR 226.18, the Term Finance Charge is the dollar amount the credit will cost you ; Notice that Pursuant to 12 CFR 1026.23 ( d ) ( 1 ) upon receipt of this rescission I am not liable for any finance charge, lease, security interest, etc. becomes void effective immediately.
Take further notice that 20 days after your receipt of this notice you must return any money, or property given to I the consumer, and also terminate and reflect that termination of the security interest placed on the property which in this case is a XXXX XXXX.
I also sent power of attorney revocation for this transaction. Now the agent and principal XXXX XXXX has full Power of Attorney over XXXX XXXX and can take any necessary decision if needed.
BMW Finacial Services has 20 days to return to me the vehicle, also terminate all security interest placed on the vehicle. Return my Title clear and free, all money returned and any adverse information removed from my consumer report. I demand prompt communication and lawful results from you as I am ready to start litigation into this matter.
I also received a letter from BMW Finacial services threatening me that they are going to sell my property. That is a false and misleading representation and is a violation of 15 USC 1692e4. 15 USC 1692e ( 4 ) says the representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
XXXX BMW can not sell my property. And they threaten to do so which is harassment and abuse.
So why did XXXX XXXX XXXX who is a third party steal my car after. I already sent a cease and desist to BMW Finacial services. That is another violation because if they had a cease and desist on my account they can not communicate with me through any mediums unless it is for 1 of these three reasons ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
And BMW Financial services did communicate to me through a third party and it was not for any of those reasons. That is a violation pursuant to 15 usc 1692cc.
BMW financial services communicated with a third party in this case XXXX XXXX XXXX after I ask them to cease and desist that is a violation pursuant 15 usc 1692cb.
All parties involved are liable, XXXX BMW that's where the fraud started, BMW financial Services, and XXXX XXXX XXXX stole my property on behalf of BMW financial services . Oh, and how could I forget XXXX, XXXX, and XXXX are liable as well for reporting this account with BMW Financial Services it was a confidential transaction it should be excluded from a consumer report. pursant 15 usc 1681.
My vehicle being stolen has caused me enormous amounts of stress and mental anguish now causing me not to be able to work and preventing me from providing for my son and impeding on my ability to be a consumer and pay my rent. BMW Financial Services is impeding on my life and my son 's life. And now we are on the verge of homelessness because of XXXX XXXX XXXX, BMW Financial Services, XXXX BMW, XXXX, XXXX and XXXX.
|
| 05/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I had a 5 year finance plan called " XXXX XXXX '' through BMW financial. It was not a lease but was structured like a lease. At the end of the 5 years I would need to pay off, refinance or sell the vehicle to take care of the bubble payment ( remaining balance ). As this date was approaching I made my final payment on XX/XX/XXXX. I Called them to see what my options were because I knew we were planning to sell trade in our vehicles for a larger car. We had a baby on the way. I knew my payment plan was up and I didnt want to take out another loan on the car knowing I was going to be getting rid of it in a few weeks. It wouldn't make sense to do that to my credit then have to run my credit again when getting the new vehicle. I asked them if I could make 1 more payment to buy a little more time since we were trading in the vehicle the 1st week of XXXX. They told me I could not but that I wouldn't be considered past due until 2 weeks after the next payment due date. The balance due was on XXXX so I had until XX/XX/XXXX to get rid of my car or refinance. they also said it wouldn't be reported until it was more than 30 days past due. I didn't like that I couldn't make another payment but I knew we were selling the car in the 1st week of XXXX so continued with the transaction. My husband also did not like this so he had me call back to make sure. BMW financial should have on record that I called probably close to 6 times in XXXX and XXXX. We traded in my vehicle to XXXX XXXX XXXX in XXXX XXXX on XXXX. I have a letter attached showing it. I told them about my situation with the balance due and they assured me that the payoff amount would be overnighted to BMW financial within 7-10 days at the very most. I called BMW several times to see if they had it. They said they didn ; t but that they would notate my account. I let them know the car was no longer with me and that I was concerned about it affecting my credit score. They assured me they notated my account and it would be fine. There were some errors with the paperwork on the part of the dealership and I had to return and sign a few more pages that they left out when we were there initially. They didn't say anything about this delaying my pay off when I asked. They said the check was sent already. So I called BMW again to see if it had arrived to which they said they still didn't have it. In the meantime I wasn't receiving any emails, letters, calls texts or any communication from BMW about a late payment so I assumed everything was fine. Toward the end of XXXX I pulled up my account on the mini owner lounge website and it said it still wasn't paid off. I called the dealership, they told me the check had been mailed 2 weeks prior. I let them know BMW said they don't have it. When I reconfirmed with them in the email confirmation they sent me, I received a long email chain between their departments about my payoff and my husbands pay off ( we were trading in 2 vehicles ). One person admits that he didn't realize there were 2 checks that needed to be sent, not just one... oops. At this point I am panicking because I have done everything in my power to try and make sure the necessary steps were taken so that this won't affect my credit score and it seems like other people have missed steps in their duties to complete the transaction properly. They apologize for the mixup and overnight a check then. It is now XX/XX/XXXX. I call BMW for the millionth time to let them know an update on the situation since I provided them with a check confirmation number before that was not correct. They said they will notate my account but that they have already reported it it to the credit bureau. This is devastating news to me. I have never been late on payments on anything before and aside from a fluke missed payment with BMW in XX/XX/XXXX when I lost my job during covid. I tried to work with them on that issue as well and they chose to not offer and grace even though they were openly advertising covid assistance for those who couldn't pay. Because my husband and I are both on the loan, the " missed '' XXXX payment resulted in both of our credit scored dropping XXXX points each. My husband is furious because he had no control over this. He doesn't understand why when we traded the car in on the XXXX and let BMW know and then errors out of our control happened and they still reported it to the credit bureau. I have disputed it 3 separate times through experian since BMW themselves have a rudimentary system where you can not talk to, email or submit anything online. You have to type a letter and snail mail it like its XXXX. I have attached a letter from the dealership stating that they took over ownership of the car on XX/XX/XXXX.
|
| 05/16/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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BMW Financial Services has broken several MIssouri Repossession lawsalong with federal laws. They illegally repossessed my car without properly following the missouri repossession laws. I will comment after laws they broke.
Missouri Repossession law requires : REPOSSESSION CHECKLIST 1. Is the account 10 days or more past due? If not, you have to wait until it is before you can proceed. My lease was extended until XXXX XXXX. They literally repossessed my car 10 days later 2. If the account is 10 days or more past due, have you sent the NOTICE OF DEFAULT & RIGHT TO CURE? If not, you must send it before you can proceed.
They never sent this notice. I would like for them to provide the ORIGINAL copy ( not a new document and put old dates on it ... that is fraudulent ) SHOWING THEY SENT THIS PRIOR TO THE REPOSSESSION.
3. Did the NOTICE OF DEFAULT & RIGHT TO CURE give the customer at least 20 days to cure the default? If not, you have to send the borrower one that does before you can proceed.
They never sent this notice ever. This is supposed to be sent 20 days before a repossesson. I never received this letter. They repossesed my car without sending this 20 days before XXXX.
4. Did the customer cure the default by paying the account up to date? If so, and the account is again at least 10 days delinquent, you will have to send another NOTICE OF DEFAULT & RIGHT TO CURE, and give the customer 20 days to cure the default before you can proceed.
My account was never in default. I have documents showing i paid in full. ( the document will be uploaded ) Futhermore, they NEVER EVER sent a Notice of Default & Right to cure 20 days before the repossession.
5. If you sent another NOTICE OF DEFAULT & RIGHT TO CURE, did it again give the customer 20 days to cure the default? They never sent this notice XXXX. After you repossessed the collateral, did you send the customer the NOTICE OF OUR PLAN TO SELL PROPERTY?
I never received this notice about their intent to sell the property.
7. If you sent the NOTICE OF OUR PLAN TO SELL PROPERTY, did you give the customer at least 10 days to redeem the collateral? If not, you have to send the borrower one that does before you can proceed.
They never gave me 10 days to to redeem my property nor sent a notice telling me to do so 8. Was the sale handled in a commercially reasonable manner, e.g., advertising for bids, contacting various dealers, etc.?
I have yet to see the sale of the property commercially reasonable manner 9. Does the file contain complete information concerning the sale, include at the very least the nature of the sale ( private or auction ), the price obtained for the collateral, the name of the purchaser, etc.?
They have never sent any kind of information like this to me whatsoever.
10. Does the file contain receipts for all expenses incurred in the repossession, including the repossession fee, repairs, storage, etc.?
11. If there was a surplus from the sale of the collateral, did you return the excess funds to the customer?
Thye have never even let me know they were selling the vehicle 12. If you intend to pursue a deficiency balance, did you send the NOTICE OF SALE AND POSSIBLE DEFICIENCY? No NOTICE OF DEFAULT & RIGHT TO CURE? NO The most important Missouri law they broke was repossessing my car 10 days after my extension was over.
according to the website rightstoprotect.com https : //rightsprotect.com/illegal-repossessions-of-vehicles/repossession-laws-by-state/repossession-laws-in-missouri/ What happens if a consumers vehicle was wrongly repossessed?
A vehicles repossession may have been unlawful if the creditor did not send the consumer a Notice of Default and Right to Cure ; a Notice of Our Plan to Sell Property ; or a Notice of Sale of Collateral and Possible Deficiency. If any or all of those situations occurred, the consumer would not be responsible for owing the deficiency balance. Additionally, the actions of the repossession company may have caused the repossession to be unlawful. If the company breached the peace or repossessed the incorrect vehicle during the repossession, they may have violated the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a federal law that places restrictions on the actions of debt collectors to help protect consumers. Pursuant to this statute, the repossession company would have to provide the consumer compensation of up to {$1000.00} in statutory damages. They XXXX have to pay for their legal fees and any costs as well.
https : XXXX ALSO THEY KEEP LYING AND SAYING MY CAR WAS 80 DAYS IN DEFAULT. i HAVE PROOF FROM SALES MAN XXXX XXXX THAT MY LEASE EXTENDED UNTIL XXXX XXXX
|
| 06/01/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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Per my lease with BMW Financial I was to have my car inspected and returned by or on XX/XX/2019. Having previously completed a lease with BMW and having had the car inspected and returned on the same day, I showed up to BMW of XXXX on XX/XX/XXXX to do the same. When I arrived I was told that the car had to be inspected by a third party, XXXX, before the lease can be returned. They told me as such, they would provide me with a 5 day grace period to have the car inspected and return the vehicle. I was surprised as this was not my experience before, but I nevertheless I made sure to call XXXX that same day, XX/XX/XXXX, to request a inspection. On XX/XX/XXXX I called XXXX back to inquire about the status of my inspection request as my grace period was now over. I spoke to XXXX who is a Customer Service Reprehensive and her Supervisor XXXX in the XXXX call center and they advised me that BMW had canceled my request for an inspection, as they saw my lease maturity date passed and they assumed the request must have been a mistake. As such, XXXX put my name back on the list for an inspection, however, I was now being added to the bottom of said list, and it can take two to three weeks to get my car inspected. During this time, BMW Financial has stated that I must pay for the car for each day that it continues to be in my procession because per the lease the car must be inspected before returned. Despite BMW Financials stance my complaint is the following : a ) Nowhere in my lease does BMW Financial explain that my car had to be inspected by a third party. Furthermore, there was never warning that this third party works on a 3 week to 1 month lead time. Therefore, by providing no such stipulation or warning in the written contract or any future correspondence, BMW Financial forces customers to pay them extra money each day they are waiting for the third party to inspect their vehicle.
b ) BMW Financial did not mail me any documentation prior to my lease-end describing this process. BMW Financial does claim they emailed me in XXXX describing that I should call XXXX however, I can locate no such email, BMW can not provide a read-receipt, and I never agreed to electronic communication as my sole form of contact. BMW Financial mails me a paper statement monthly, however, would not mail something as important as this.
c ) In reviewing my previous lease documentation with BMW Financial and this lease contract, aside from the date, amount, and VIN number, the two documents are identical. If they are identical documents, and there was no indication to me that the process to return the lease would not be identical, why would me as the consumer think differently.
d ) In speaking with XXXX, a maturity specialist for the lease end department at BMW Financial, my concerns were completely dismissed and disregarded as void because BMW Financial is not the same company as BMW and BMW Financials lease clearly states that a inspection is required before lease end. Therefore, any cancellation or mistake made on the part of BMW XXXX is not their problem. However, stipulations of the third party inspection, the three week-1 month lead time, and email as sole notification of such, is not in the lease.
It is my claim that BMW and BMW Financial are harvesting additional monies out of unsuspecting customers by requiring a third party inspection, not giving proper advance notice of this requirement, and by sneaky tactics such as canceling the request for appointments in order to prolong the lease term. In response to XXXX, the maturity specialist for the lease end department at BMW Financial, BMW Financial and BMW may be two separate legal entities but BMW Financial was birthed out of BMW Retail and any retail establishment that persuades consumers to use their financing company and actively dissuades consumers to use competitors, is directly tied to that company. In addition, if BMW Retail is directly benefiting from closing loans with BMW Financial, in the forms of increase commissions or bonuses, then in fact any action by one or both entities which negatively effect the consumer, can be legally attributed to both entities.
What has taken place with BMW XXXX and BMW Financial is unethical and I suspect, illegal. As such, as this was my forth BMW purchase ( and loan ), it is unfortunate that this has taken place and ruined the relationship I had with BMW and its deceptive financial company.
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| 08/01/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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On XX/XX/2023, I was rear ended which resulted in a total loss of my leased BMW vehicle. The car was around {$61000.00} where I put {$14000.00} down along with a years worth of payments. At the time of the accident, the pay off amount for the leased vehicle was {$44000.00}. After the assessment was performed by my insurance company, it was determined the amount the car was worth was {$56000.00}.
BMW Financial has stated since this was a total loss, the lease is terminated and they will be keeping the entire amount rather than paying the lease pay off then providing me the different which is around {$12000.00}.
From my insurance company, to dealerships with me looking for a new car, to my lawyer, all stated they have never heard of this before and the logical outcome should be me being provided the balance after the lease payoff of {$44000.00} was taken out.
My insurance agent as well as myself spoke with XXXX representatives from BMW financial on multiple occasions who verbalized the lease agreement does not explicitly state in the event of a total loss, BMW will keep the entirety of the pay off from the insurance company.
Another agent agreed that the lease agreement " does not have the verbiage in the contract that would state the customer would not receive the remaining balance ''.
This is a binding contract where an agreement was signed, but since the contract does not state this then BMW Financial can just take the money anyways? When signing the agreement, I was not warned of this potential outcome, nor is it in the lease agreement.
How is it that this is okay? A giant company like BMW taking advantage of the customer because they are the small guy in the situation without the resources a company like BMW has.
Please help me in getting some sort of settlement where i would get whatever money is left over after the lease was paid off.
Their response to this from the XXXX
We understand you are requesting a refund of the difference between the insurance settlement amount to be paid by XXXX and the amount you would have paid to purchase your leased vehicle. As servicer for the owner of the leased vehicle, and pursuant to the terms outlined in Section XXXX of your Motor Vehicle Lease Agreement ( Lease Agreement ), BMW Financial Services is listed as loss payee on the vehicles insurance policy. Under Section XXXX, the insurance company is required to settle with BMW Financial Services for the actual cash value of the vehicle at the time of loss. Your obligations under Section XXXX are limited to any past due payments, property taxes, any deductible, or other items deducted from the actual cash value of the vehicle by your insurance company. The Lease Agreement provides for a gap waiver if the actual cash price were less than the Adjusted Lease Balance ; however, as the owner of the leased vehicle, BMW Financial Services is entitled to the insurance proceeds in the event of a total loss.
Once we received confirmation your insurance company determined the vehicle was a total loss, your Lease Agreement was terminated through the process outlined in Section XXXX, I agree to immediately notify you if the Vehicle is damaged or destroyed in an accident, stolen, abandoned, or taken by a police or other government agency. If any of the above events occur, you reserve the right to terminate this Lease. Once the Lease Agreement was terminated, the Purchase Option was no longer in effect.
As stated in the enclosed correspondence sent to you on XX/XX/2023, in appreciation of your business and to aid you in obtaining your next vehicle, BMW Financial Services may be able to offer you a Loyalty Payment Credit on your next account. The Loyalty Payment Credit amount will be up to 50 % of the amount remaining after subtracting your contractual payoff from the insurance settlement resulting from the total loss. Your eligibility, and the amount of the Loyalty Payment Credit, will be determined upon receipt of the insurance settlement payment from your insurance company. The insurance settlement amount must be received, and your account must be closed with a {$0.00} balance, before the Loyalty Payment Credit can be applied to your new account. As of the date of this letter, we have not received the settlement payment from your insurance company.
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| 12/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I entered into a consumer credit transaction with BMW FINANCIAL SERVICES company on XX/XX/2021. XXXX credit company is a debt collector pursuant to 15 usc 1692a ( 6 ) and the failed to disclose this upon our initial communication which was I initiated the transaction that they were debt collectors this is a violation of 15 usc 1692e ( 11 ). I later started to receive statements in the mail that said that I the consumer allegedly owed them for this debt. These statements were false and misleading representation. The balances on these accounts were shown in the positive balance, this made me assume that these statements were coupons with refunds of money to me for the credit I extended to them because it is impossible to pay on a positive balance this is also a violation of 15 usc 1692e ( 2 ) ( a ). I exercised my right to rescind this consumer credit transaction on XX/XX/2021. It was delivered to BMW FINANCIAL SERVICES on XX/XX/2021 ( XXXX XXXX XXXX XXXX XXXX ). I exercised this right to rescind by mail pursuant to 15 usc 1635 ( f ) my right to rescind this consumer credit transaction extends to 3 years as a result of the defective Truth In Lending Disclosure statement and the notice was sent a delivered to them within that time. I rescinded this consumer credit transaction for some of the following reasons. BMW FINANCIAL SERVICES willfully and knowing failed to disclose information required under the provisions of 15 us 1601 this is a violation of 15 usc 1611. They also failed to disclose my rights under this contract as the obligor to rescind this consumer credit transaction pursuant to 15 usc 1635a and they have failed to provide me with the appropriate documents required for me to exercise this right. BMW FINANCIAL SERVICES is also in violation of 18 usc 242- I have been deprived of my rights they received my notice of recession and failed to abide by federal law and terminate any security interest created under the contract and return any money given to them within 20 days pursuant to 15 usc 1635b. BMW FINANCIAL SERVICES has failed to accept my offer to tender the property at my place of abode with 20 days and now ownership of the property vest in my with no obligation to pay for it and I am not responsible for any charges pursuant to 15 usc 1635b. I, XXXX XXXX XXXX XXXX am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail Pursuant to 15 USC 1692c. ( c ) BMW FINANCIAL SERVICES is a financial insinuation pursuant to 15 usc 6827 ( 4 ) ( a ). Pursuant to 15 usc 6821 It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 1 ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution ; ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution; or ( 3 ) by providing any document to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. they violated this chapter by causing my customer information to be disclose to the credit reporting agencies without my consent which is identify theft. pursuant to 15 usc 6823 Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. Whoever violates, or attempts to violate, section 6821 of this title while violating another law of the United States or as part of a pattern of any illegal activity involving more than {$100000.00} in a 12-month period shall be fined twice the amount provided in subsection ( b ) ( 3 ) or ( c ) ( 3 ) ( as the case may be ) of section 3571 of title 18, imprisoned for not more than 10 years, or both.
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| 10/24/2022 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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BMW FINANCIAL SERVICES NA , LLC has failed to return and sign the attached affidavit and Notice of Adequate Assurance of Due Performance within 10 calendar days of the date upon receiving this notice on XX/XX/2022 that was sent to XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Given their failure to respond, BMW FINANCIAL SERVICES NA , LLC is in dishonor of this Notice of Adequate Assurance of Due Performance. I demand BMW FINANCIAL SERVICES NA , LLC remove the debt from my credit reports with XXXX, XXXX, and XXXX for being in dishonor of the Notice of Adequate Assurance of Due Performance and being in violation of the below laws.
I demand that BMW FINANCIAL SERVICES NA , LLC return the amount {$12000.00} which is the amount that I paid to the company for the alleged debt that was not validated.
I demand the remaining balance on the alleged debt of {$44000.00} be returned to me in the form of Federal Reserve Notes for failure to validate the debt. BMW FINANCIAL SERVICES NA , LLC committed malfeasance, a wrongful, unlawful, or dishonest act ; esp., wrongdoing by misusing the company 's fiduciary obligation over my Social Security XXXX XXXX XXXX XXXX
Per Truth in Lending Act ( TILA ) and Fair Credit Reporting Act ( FCRA ) which is governed by the Federal Trade Commission ( FTC ) and other federal and state agencies states that its {$1000.00} per violation ( one ( 1 ) through thirteen ( 13 ) ) of my consumer rights by BMW FINANCIAL SERVICES NA , LLC. I will be seeking {$1000.00} per violations for remedy under the law.
XXXX. BMW FINANCIAL SERVICES NA , LLC advertised a downpayment before running my credit application. This is a violation of my rights as a consumer under 15 U.S. Code 1662.
2. BMW FINANCIAL SERVICES NA , LLC advertised a trade-in before running my credit application. This is a violation of my rights as a consumer under 15 U.S. Code 1662.
3.BMW FINANCIAL SERVICES NA , LLC advertised a downpayment before running my credit application. This was discriminatory activity because I am XXXX or XXXX which is a violation of my rights as a consumer under 15 U.S. Code 1691.
4. BMW FINANCIAL SERVICES NA , LLC asked for my FICO score before running my credit application. This was discriminatory activity because I am XXXX or XXXX which is a violation of my rights as a consumer under 15 U.S. Code 1691.
5. BMW FINANCIAL SERVICES NA , LLC gave me false information willing and knowingly which is a violation of my rights as a consumer under 15 U.S. Code 1611.
6. BMW FINANCIAL SERVICES NA , LLC committed malfeasance, a wrongful, unlawful, or dishonest act ; esp., wrongdoing by misusing his fiduciary obligation over my Social Security XXXX XXXX XXXX by falsifying documents without my knowledge.
7. BMW FINANCIAL SERVICES NA , LLC failed to validate the debt according to uniform accounting principles consistent with XXXX. This violates 12 U.S. Code 1831n ( 2 ) ( A ) 8. By failing to validate the debt BMW FINANCIAL SERVICES NA , LLC provided inaccurate credit reports which impaired my ability to efficiently engage in the banking system. This is a violation of 15 U.S. Code 1681 ( a ) ( 1 ).
9. Given BMW FINANCIAL SERVICES NA , LLC failed to validate the debt, they provided false representations. This a violation of 15 U.S. Code 1692e ( 2 ) ( A ).
10. BMW FINANCIAL SERVICES NA , LLC failed validate the debt amount. This is a violation of 15 U.S. Code 1692g ( a ) ( 1 ) 11. BMW FINANCIAL SERVICES NA , LLC failed to validate the debt by providing the bookkeeping entries under XXXX that the company funded the loan, and therefore did not provide equal consideration for the contract and can not be the creditor to whom the debt is owed. This is in violation of 15 U.S. Code 1692g ( a ) ( 2 ).
12. BMW FINANCIAL SERVICES NA , LLC failed to provide Adequate Assurance of Performance within a10 calendar day period upon receiving the notice to XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX on XXXX, XXXX, XXXX. This is in violation of XXXX XXXX XXXX XXXX.
XXXX. BMW FINANCIAL SERVICES NA , LLC XXXX, a wrongful, unlawful, or dishonest act ; esp., wrongdoing by misusing the company 's fiduciary obligation over my Social Security XXXX XXXX XXXX XXXX
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| 02/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hello I started investigating this account a year or so ago when I started to personally Work on my credit and become financial and credit literate! This particular sccount originally opened in XXXX when I was on paper and provably in rehab for approx 18 months! This account is not mine! Never was mine! The vehicle is not mine never was mine or was seen by me! I have reached out to these companies XXXX and XXXX and bmw financial services letting them know I want proof of my signature my information on a application andPROOF that I legally requested this loan or a loan from this company be Put in my name! I have done my diligence and reached out to the XXXX credit report XXXX credit report and BMW financial services I have no issues getting this particular company investigated by XXXX XXXX and XXXX and XXXX will not help me.
Not only that but on the credit report there is no original creditor listed there is no company sold to listed and it says closed charge off. It also has different information for XXXX That is listed on XXXX. Which is in accurate it should be the same across all accounts it also has a different address and telephone number on the XXXX credit report. If it is closed who is the original creditor number XXXX and who has the company been sold to? Right there is INaccurate credit reporting it can not be closed and charged off and sold and have all three of these things as well as not have the company sold to or the original creditor listed.
It also did not give me a full account number which makes it hard for me when I called BMW financial services about an account opened up from XXXX that they can not provide me with an application with my signature on it or any correspondence for that matter.
It also says status updated XX/XX/XXXX but then proceeds to tell me that the balance was updated on XX/XX/XXXX so clearly they are continuously checking my report and updating it but they are avoiding my issue and not helping me.
XXXX XXXX XXXX BMW financial services XXXX Account type auto loan Date open XXXX Open/closed closed Status charge off Status updated XX/XX/XXXX Balance XXXX Balance updated XX/XX/XXXX Paid off 49 % Monthly payment - Past due amount XXXX Original balance XXXX Term 65 months Comments transferred to recovery Contact info XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX This is all of the information on my XXXX credit report and my XXXX CREDIT REPORT! and I want the account completely removed immediately I am not requesting it I am mandatorily telling the company that it should be deleted I have provided a notarized statement as well as sent them a letter and I will send another letter with a copy of this report. This is very unethical and unprofessional and it is not fair that I can not reach out to the original collector or debt company and get anything with my signature or anything stating that this debt is even mine. I was in rehab for a total of 18 to 24 months and this time. I have notarized statements as well as Informative information that is personal and violates HIPAA showing that I was in XXXX during that time that I should not even have to send to these companies. I want this immediately handled I want XXXX immediately notified that I want this removed and I want the original creditor who it does not even tell us and does not tell us who it was even sold to I want them to get a copy and know that this is fraudulent and unprofessional and unethical and should immediately be removed from my personal account I did not sign for this loan or this amount of money nor do I have any recollection of it and I will continue to fight until this is off of my credit report. Not only is it being reported inaccurately On two credit reports that I can not even get in contact with the original company or get any help with this and that is not ethical.
I followed every rule for uploading this report I did not put any personal information in this statement however I did put what is on the credit reports in the statement like I said this is an accurate reporting and it is fraudulent I have reached out to these companies numerous times on my own and now I am requesting help from you thank you
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| 07/20/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I leased my XXXX consecutive BMW from XXXX XXXX XXXX XXXX on XX/XX/XXXX. It was a XXXX BMW XXXX XXXX XXXX. The vin number was XXXX. It was a XXXX lease with a monthly payment including sales tax of {$590.00}.
Due to COVID, BMW extended lease terms to XXXX months. BMW was also one of the many automotive manufacturers that were not accepting lease returns unless I was leasing another BMW.
The total amount of the XXXX monthly payments per the Lease Agreement signed on XX/XX/XXXX was {$21000.00}. Payment XXXX XXXX was made at the lease signing on XX/XX/XXXX. With the extended lease term to XXXX months, the total amount of payments made by the lessee was {$22000.00}. 100 % of lease payments were paid in full, any fees, excise tax, etc were also paid in full and the final statement sent by BMW indicated a {$0.00} balance to support the statement above.
I attempted to return the vehicle no fewer than XXXX times to XXXX XXXX ; the dealer refused the lease return without signing a new lease. I was denied financing due to issues with my credit report. The XXXX XXXX at XXXX told me not to return my car because she would work it out with BMW FS. After many attempts to contact XXXX XXXXXXXX, to determine lease status, XXXX was informed she no longer worked there. I did not know what to do.
I contacted BMW FS and let them know of this issue and I received XXXX guidance. The leased vehicle was repossessed on XX/XX/XXXX, from my private driveway. The car was sold at auction in XXXX, but I had no idea when, where, or what my options were because this had never happened to me before. The car was sold at auction for {$20000.00} well below market per XXXX ( avg market price for that vehicle was {$25000.00} ).
The residual value of the vehicle was {$32000.00}. The value of the car at lease inception was {$47000.00}.
BMW received cash from me of {$22000.00} ( lease payments ) + {$20000.00} ( Auction cash ) for a total of {$43000.00} ( XXXX ) cash in hand for BMW FS. The car was valued at {$47000.00} in ( XXXX ). Had I been able to return the vehicle I wouldn't have owed even {$1.00} to BMW.
The XXXX XXXX BMW are the XXXX fastest depreciating vehicle on the road today. The residual value was {$32000.00}.
BMW claimed I had a remaining balance of {$34000.00} which is impossible considering I paid {$22000.00} which was the agreed-upon lease payment total.
BMW is reporting a negative tradeline to all credit bureaus indicating a Charge Off of {$15000.00}. It is reported as a loan amount remaining but I can't understand what reason. If I were in theory to pay this amount, BMW would receive {$58000.00} in cash for a car worth {$47000.00} brand new in XXXX.
This does not seem fair or right that BMW took possession of the vehicle, was paid all agreed-upon lease payments, sold the vehicle at auction below market but still for ~ {$21000.00}, and still expect an additional $ XXXX for what I am unclear.
I leased from BMW FS XXXX XXXX XXXX XXXX XXXX XXXX, and a XXXX XXXX for a total of XXXX consecutive years of loyalty to BMW without incident prior to the COVID pandemic.
I have contacted BMW many times prior to writing this letter. I filed a complaint that was accepted by the XXXX in Massachusetts. I would like the negative tradeline to be removed from all XXXX credit bureaus and have my credit report correctly reflect the lease paid in full as agreed.
The last time I contacted BMW I was told they could reduce the amount to {$2500.00} which is a far cry from the {$36000.00} BMW originally stated I owed them, reduced to $ XXXX. I told BMW I was not paying any additional amount as I fulfilled my obligation. I have proof which I will upload that all payments were made. The amount BMW received at auction and the reduction to {$2500.00}. I was told that even if I had paid the {$2500.00} it would still be reported as a negative tradeline. Why wasn't the amount reported changed from $ XXXX to {$2500.00}? Please help as this is destroying my credit report.
I also have proof I attempted to return and lease a new vehicle from BMW during COVID.
|
| 06/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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NOTICE AND DEMAND TO CEASE AND DESIST REPORTING OF NON PUBLIC PERSONAL INFORMATION ACTIVITIES. I have reasons to believe BMW is practicing discriminatory acts against me. Company has taking adverse unfair actions. Company continues to harass and cause defamation to my character in attempts to ruin my personal relationship and my financial reputation. Company is in violation of a direct cease and desist order. Company says that's its following federal regulations and hasn't provided proof of a law, code or statue its following. Company has failed to abide by federal law. Company is discriminating against me going by merly procedures and company policies, which is bias toward me. Federal law supercedes any procedure or company policy. I am aware pursuant to 15 U.S.C 1681s-2 ( 7 ) ( e ) that the FDCA clearly states that it is not a requirement for companies to report negative information to a consumer report. BMW is reporting my nonpublic personal information in a adverse action to ruin my opportunities to extend my credit in coercing me of a payment. I am being extorted by BMW. I understand that 18 U.S.C 892 making extortionate extentions of Credit that Whoever makes any extortionate extension of credit, or conspires to do so, shall be fined under this title or imprisoned not more than 20 years, or both. Also In any prosecution under this section, if it is shown that all of the following factors were present in connection with the extension of credit in question, there is prima facie evidence that the extension of credit was extortionate, but this subsection is nonexclusive and in no way limits the effect or applicability of subsection ( a ) : ( 1 ) The repayment of the extension of credit, or the performance of any promise given in consideration thereof, would be unenforceable, through civil judicial processes against the debtor. I am also aware under 18 U.S.C 894 Collection of extensions of credit by extortionate means that, Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. BMW continues repeatedly harassingly in a discriminatory deceptive way has attempted to ruin my personal and financial reputation for the nonpayment of an unvalidated billing error dispute. 15 U.S.C -1692 ( e ) states that a false, deceptive, and misleading representation, in connection, with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. Please take notice that this legal notice will be forwarded as a criminal investigation of the business practices of the above, named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your claims of collection of a purported debt appears to be founded upon a false record in violation of U.S.C Title 18 -2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 -471,472,473and or 513, and further using corrupt business practices to make and possess false records and claim if obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq and further using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C -1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, criminal conduct falling under Title 18 U.S.C -1842 Fictitious Names.
ALL INFORMATION WILL BE FORWARDED TO THE CALIFORNIA INSPECTOR GENERAL OFFICE AND IRS CRIMINAL DIVISION TO INVESTIGATE
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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hi I have a lease with XXXX XXXX and XXXX XXXX XXXX my car was stolen in XX/XX/XXXX and my insurance company XXXX were suppose to pay the car being I was full covered the insurance company athru my auto body shop sent Bmw full check minus XXXX dollars they did not cover saying it was for storage and towing .bmw contacted me and then I told them I will call insurance and auto body shop told me that since am In New York State residence insurance thru a program called gap insurance will pay and for me to wait and not have to pay. I contacted Bmw back and they have it in recording which I requested to be mailed to my house in XX/XX/XXXX and advised matter is being handled me and my auto body working with insurance company to get them payment .I asked if my credit my in danger and they said no .they have a copy or recordings .then they we spoke again in XXXX or XXXX XXXX told them am working with insurance company for payment .then contrary to what they told me and with no warning or mailing me or emailing me to tell me to pay or sending me to collections opposite of what they told me on the phone they send me to collections and messed my credit up .I asked for all following conversations to be mailed to me because it looks like every time I call a big company like Bmw only same represantitve answers me and tells me same answer u had a year to pay I explained to her all the above that I was in dialogue with them its not fair why they took me to collections whwn there was no due date to pay it like if they told I have a certain time and if I don't they will take action I won't be upset at all .I asked for senior rep to speak to am a customer with 2 car leases to have a chance to hear an explanation she told me no only in writing I can talk to them .fine I wrote to them asking how come I was not to be notified or mailed or emailed that if I did not pay with in a certain time they will take me to collections? senior rep answers on my Bmw chats with them that they have a 12 months policy to pay or they will report me .I asked for a written proof of that they respond back with a pdf that if I don't pay they will send a negative report .no where saying anything about 12 months .I asked again for senior rep to send proof sends back same message that I had a whole year to pay .I said I understand that but where does it say I had 12 months I asked .then listen to this he responds back and I QUOTE, ,PLEASE BE ADVISED U DO NOT HAVE 12 MONTHS TO PAY THE BALANCE .YOU ARE EXEPCTED TO PAY THE BALANCE AS SOON AS POSSIBLE AS SOON AS U RECIVE THE BILL SE SENT U IN XXXX .THAT I NEED SATISFY MY OBLIGATION WHAT FIGURE OUT WITH INSURANCE .I mean the senior rep in 2 previous messages told me I had 12 months to pay and then he writes me something different .twice they told me one thing and twice they went back on their word .its not fair what they did to me they have all recorded conversations and messages .I have all the messages between me and senior rep which by the way still. HAVE NOT RESPONDED BACK TO MY LAST EMAIL WHY THEY WENT BACK ON THIER WORD. am disputing the large on my credit report am I want help to speak with a high team member I need explanations and action to help me restore my credit that was ruined because they did not treat me at the way a customer must be treated .on what premises they take me to coolections while am actively speaking to them that am working on a payment LIKE THE REPRASATITVE XXXX read me my conversations over the phone and they told me my credit score was not in danger .am asking for help if they don't have proof that I had 12 months due date then why when am still actively working on a payment they send me too collections and going back on their word .and not even noticing me or letting me know that they will do that .am requesting for u to please ask them for the Bmw policy records ( I HAVE A COPY SENT TO ME FROM SENIOR REP ) and for all recorded phone calls between me and them and for a clear answer. thanks ... ..XXXX XXXX XXXX XXXX.
|
| 05/16/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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XX/XX/XXXX Attn : BMW Financial Services and Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX BMW Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX and BMW Financial Services Fraudulent Company Practices These two companys aforementioned are the same entity, operating business under same umbrella ( BMW ) In the month of XX/XX/XXXX, I called XXXX XXXXXXXX XXXX XXXX XXXX XXXX and BMW Financial Services automated services, XXXX to inquiry about my account with XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services to verify that my account was up to date. I have maintained my XXXX XXXX XXXX XXXX, for 3 years to date, with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and BMW Financial Services Fraudulent Company Practices. Before XX/XX/XXXX, I would utilize XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Services automated services to pay my car note, Account XXXX. I spoke with a live BMW customer service representative, who informed me that majority of my car payments, i.e. {$600.00} was being applied to interest of the car loan verses principle. I asked BMW representative how I could illuminate my principle balance on the vehicle, which she stated, write Apply to Principle on your Money order or check.
I commenced paying my BMW car note by mailing off United States Postal Service money orders, due to their money orders being easy to trace, and writing Apply to Principle on my money orders, for ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), to protect my best interest. I mailed off my payments certified, which gives me a tracking certified mail receipt and Trace number in case of fraudulent activities, which arise more commonly today. My last three car payments were made with United States Postal Service Money orders, which are mailed to a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Certified i.e., whoever picks up my car payment must go to their P.O. Box, Post Office and sign for picking up my mailed car payment, which XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and BMW Financial Services, mailing address is XXXX. XXXX XXXX, XXXX, XXXX XXXX.
I took the next step of emailing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services at XXXX, which shows them a receipt of my last three United States Postal Services Money Order payments, along with the Certified Mail Receipt confirmation. ( Im being taking Advantage of ). XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and BMW Financial Services automated system stating that Im late with paying my car payments. My Credit is being Damaged from XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and BMW Financial Services, Purposely Mishandling my car payments money orders, due to me now writing Apply to Principle on my money orders, to pay off my car loan Expeditiously. Due to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and BMW Financial Services, Losing my last two payments for the months ( XX/XX/XXXX and XX/XX/XXXX ), my Credit is being Tarnished.
I shouldnt be held accountable for, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and BMW Financial Services, Mishandling of my Car Payments, i.e., Money Orders payments. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services Has notified me, that they received my {$50.00} Money order for XX/XX/XXXX, but not the {$600.00} Car Payment money order for XX/XX/XXXX.
These practices by a Conglomerate organization such as XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and BMW Financial Services, is Unacceptable to me as a Diligent Consumer, and to the other Millions of BMW owners, who are experiencing the same issue as me. BMW continues to tact on late fees to my account, to acquire additional money from me, which is a fraudulent business practice. Hopefully the Consumer Financial Protect Bureau ( CFPB ), will investigate this Severe Matter at hand, on my behalf.
Thank You, XXXX XXXX XXXX BMW Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Home ) XXXX
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| 01/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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XX/XX/XXXX Attn : BMW Financial Services XXXX XXXX XXXX XXXX, OH XXXX BMW Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services Fraudulent Company Practices These two companys aforementioned are the same entity, operating business under same umbrella ( BMW ) On XX/XX/XXXX, I received an invoice from XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services for {$2000.00}. I called BMW on XXXX XXXX,XXXX, XXXX, and XXXX to inquiry about my account with XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services to verify what my account was to date. My last payment made was on XX/XX/XXXX, for {$600.00}. Im due to pay for XXXX Payment which is {$600.00}, due on the XXXX of each month. When making payments after 10 days, a late payment fee of {$66.00} is assessed, which I owe XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services {$660.00} to date.
XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services also are practicing Fraudulent Activities by inflating my late fees account, and placing that account in a High Interest Bearing Account, which inflates my late fees daily. I have no clue of what I owe in late fees, due to XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services, not willing to mail me documentation on my late payment account. This activity is Abuse of a Consumers Rights and a malicious fraudulent practice by a FDIC regulated Bank, i.e., XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services. Ive inquired to XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services to propagate to me documentation of my late payment account, which I have been sending additional payments to XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services, to satisfy my late fees, which I have not received to date.
I've mailed off my car payment for XX/XX/XXXX, i.e., {$600.00} and a late fee of {$66.00} for the month of XX/XX/XXXX. Im late on XX/XX/XXXX, due to the Federal Government Furlough and Federal Government Shutdown. I purchased prior BMW and financed the XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services XXXX, which was totaled in XXXX. The XXXX XXXX was maintained full coverage insurance and GAP insurance, which vehicle was paid off. XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services, continue to not apply my present payments, which I make to my XXXX XXXX XXXX XXXX, i.e., Active or Relevant account, i.e., - BMW Account # XXXX and apply money to my old account, which has already been Satisfied and Closed. I truly believe XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services are ( Purposely, misappropriating my payments to wrong account, to damage my credit ).
I asked BMW representative how I could eliminate my principle balance on the vehicle, which she stated, write Apply to Principle on your Money order or check.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services, mailing address is XXXX. XXXX XXXX, XXXX, AZ XXXX.
My Credit is being Damaged from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services, Purposely Mishandling my car payments money orders, due to me now writing Apply to Principle on my money orders, to pay off my car loan Expeditiously. Due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services Hideous Acts, My Credit is being Tarnished. I shouldnt be held accountable for, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services, Unprofessional Practices by a Conglomerate organization such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX and BMW Financial Services, This is Unacceptable to me as a Diligent Consumer, and to the other Millions of BMW consumers, who are experiencing the same issue as me. Hopefully the Consumer Financial Protection Bureau ( CFPB ), will investigate this Severe Matter at hand, on my behalf.
Thank You, XXXX XXXX XXXX ( Home ) XXXX BMW Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
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| 06/24/2023 |
No |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Fraudulent loan
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Web |
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in XXXX I went to the dealer to get a vehicle and I was lead to believe I needed to finance a car and give them my social to apply for credit and see if i qualify. I was approved and I was told my credit was not that great so i needed to pay a higher interest rate then another individual and the is discrimination and i am being denied my rights. I know that the car was paid for at the closing table and I was not given proper notification or disclosure that I had the choice to either get the vehicle by either giving a social number or it can be done by public information. They fraudulently sold me a loan that i may or may not be responsible for and used deceptive practices and non disclosure to get me to agree. I unknowingly was deceived and tricked. They went ahead and knowingly committed id theft and forgery to place my signature on forms i knew nothing about. I know now that i am the living woman and i went there for a consumer credit transaction not a loan. banks do not give out loans. The dealer failed to disclose this information so I did not know until now how they are committing fraud and using my information to get money from my trust without my knowledge. I need the dealer and financial institution to provide me a copy of the contracts bearing my wet signature and they need to prove that they were legally able to collect any money from me. I paid a down payment and paid for things that are to be covered in the finance charge. This was a transaction that i need proof that i owe a debt and they are able to collect and charge me double. I need a copy of the full account history and ledger on and off complete ledger tied to my account as I am the Beneficiary to the said account XXXX XXXX. I am the principle to that account and since I furnished my social security number and was not given any cash value or a check in my name for the approved amount for the loan nor did the dealer transfer / wire the funds i was approved for in my bank account. This makes it a fraudulent and invalid loan and then it becomes a consumer credit transaction. I also was a victim of theft as they repossessed my car without proper verification and there is no statute of limitations on fraud. I am in need of my consumer report to be updated and corrected. They need to immediately address this matter and have the file updated and have my credit report updated and remove and refund the overpayments and all the fees i paid, when i did not need to. I also will notify and submit a 3949a to report the fraud to the irs as i have a duty to report to the irs. I am demanding that they do their job and make sure my accounts are updated, refunded of any and all fees, collections, and money that is owed to me. I had a few credit cards with BMW as well and they also closed and stopped my account without my consent. I need the credit cards to be loaded and ready to use and sent out to me right away. I am a consumer and I know they trade on the open market and I am the one that gives the source of the credit so the corporation can make money on me and not tell me. Well, I know that i am the beneficial owner to the said account and I need them to take care of this matter and issue at hand without delay. Please send monies owed to me and the interest that is also due to me. I need the check sent to me asap to my home on file which is : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please send the preloaded cards and ready to use credit cards and make sure they are going to be settled and paid in full each month and any interest be returned to me and the balance be settled on a monthly bases. My consumer report and credit score means the world to me and I am demanding they take proper action and notice I am exercising my rights and I will see that these matters get resolved. I am excited to have your help with all this. I have all paperwork if needed. Thank you
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| 12/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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On XX/XX/XXXX I purchased a new XXXX XXXX XXXX from XXXX XXXX in XXXX GA. When I went in to talk with the Finance manager ( Mr XXXX XXXX I felt very pressured into purchasing additional packages that I didnt need which increased the price of the car by {$7100.00}. At that time the following 3 packages were added to my loan : ( 1 ) BMW Optional maintenance Program Upgrade {$2500.00} ( 2 ) Extended warranty {$3300.00} ( 3 ) Gap {$1200.00} The finance manager went on and on about how expensive the repairs and maintenance were on BMW vehicles that people usually opted to trade in their cars instead of paying for the repairs. I asked if I could purchase these ad ons later to which he responded by saying it would cost me twice as much to purchase at a later date, if that would even be an option.
I called the finance manager the following Monday which was XX/XX/XXXX and told him I wanted to make some changes which included cancelling these add on packages.
He stated that no changes could be made until 4 months later. There was nothing in my contract stating I had to wait 4 months or that I could not cancel these add on packages.
After numerous calls and e-mails, I was able to communicate with the manager ( Mr XXXX ) and finance manager ( Mr XXXX XXXX about cancelling these add ons. I was finally told that I was able to cancel the Extended warranty and the Gap. I went back to the dealership on XX/XX/XXXX to sign the cancellation forms. I am currently still waiting on the refund for the Extended warranty and the Gap.
I was told I would Not be able to cancel the Optional maintenance Program upgrade which costs me an extra ( {$2500.00} ) The finance manager and the manager both stated that this is not something that cant be cancelled. They could not tell me why it cant be cancelled only that it is not something that cant be cancelled. The finance manager said he didn't have a form to cancel it otherwise he would cancel it for me. He went on to state that he only charged me {$200.00} above cost and could have charged me more for the optional maintenance program as if I should be thankful for that. At the time of the purchase the finance manager stated that I needed to purchase this upgraded maintenance plan because it would cover all maintenance for the car and that the one that comes with the car only covered oil changes. I asked him specifically what things were covered under the plan. He repeatedly stated it covered everything. Upon further research I discovered there were very specific things that were covered in this Optional maintenance upgrade and that it did not in fact cover all maintenance. In light of this new information I realized the extra {$2500.00} was a total waste of money for me.
I've been begging and pleading to get this cancelled for almost 2 months now. No one will respond to my e-mails now or calls. Prior to my purchase the Salesmen were very responsive. Now that they have my money, they have nothing to say.
Basically, I believe XXXX XXXX pulled a bait and switch. They told me one thing to try to lock me into a higher price for the car when in fact I received something different.
I chose to purchase from BMW because of the worldwide brand reputation. I expected Salesmen who represented BMW to be credible and truthful instead I found them to not only be deceptive but lacking integrity.
At the end of the day, I really love the car. Im just really surprised and disappointed in the Sales tactics used and poor customer service I received after my purchase. I was really expecting a great experience with BMW. I purchased a XXXX car from XXXX XXXX but had a better experience when I purchased my XXXX XXXX years ago. If something is optional to purchase and the customer decides they dont want it especially within 3 days, why cant it be cancelled? The dealership is still selling a XXXX car.
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| 04/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have been a victim of identity theft and there was a refinancing auto loan taken out in my name in XX/XX/XXXX from ( XXXX XXXX XXXX ). My car which was originally financed through XXXX XXXX XXXX and was paid in full in XX/XX/XXXX and I was issued a clean auto title with no other lien holders present on that title. I also received documentation from XXXX XXXX ( XX/XX/XXXX ) stating that the car was paid for in full and that they would be issuing the title to me, XX/XX/XXXX I received the XXXX State title issued to me and no other lien holders present on the title. I transferred the XXXX title to the state of XXXX when I moved ( XX/XX/XXXX ). I also was able to able to add my wife on to the title of that XXXX. The XXXX DMV confirmed that there were no other existent lien holders and were able to issue the title in their state with the addition of my wife to the clean title. I also have proof of bill of sale ( XX/XX/XXXX ) to a local dealership in XXXX XXXX that purchased my car and also verified that there were no other existent lien holders on the title of my car thus, making me able to sell the car to the dealership for a lower dollar amount ( {$23000.00} ) than that of which XXXX XXXX ( {$32000.00} ) claims that I owe on that vehicle.
I have been actively disputing this account with all 3 credit bureaus ( XXXX, XXXX, XXXX ) since I was aware of this fraudulent account had been on my credit reports. Prior to me filing a police report in the state of XXXX, I also was made aware that there was fraudulent activity on my credit card accounts ( XXXX, XXXX, XXXX XXXX ). All of the accounts were listed on a police report that was filed and issued to all three major credit bureaus. Supporting documents of the credit card accounts were also submitted stating that there were fraudulent charges and fraudulent payments made from accounts that were not my own to those few credit cards. The XXXX XXXX credit card was a joint account that my wife and I had together and she had reported it as fraud far later than I had to the 3 credit bureaus which have then simultaneously been removed the account from her credit report. I have repeatedly disputed with all 3 credit bureaus starting in the tail end of XX/XX/XXXX. XXXX, was able to confirm the fraud that occurred with all the supporting documents that I provided. They mailed me a letter on XX/XX/XXXX confirming the deletion of all the accounts listed on the police report labeled as fraud.
XXXX is still currently reporting incorrectly that the XXXX XXXX Account as " Paid off and Closed '' with " 2 months delinquent status ''. I have disputed this account and requested for it to be deleted and deemed fraudulent. They have since removed the credit card accounts that were compromised which were listed on the police report that I submitted.
XXXX is currently reporting the XXXX XXXX XXXX as an open account with 3 months delinquent status. They are reporting the XXXX credit card account as a closed and one month delinquent status. The citicard account is reporting as closed with a balance of {$5700.00} remaining. The XXXX XXXX credit card is being reported as closed with a balance of {$4600.00}. These XXXX credit card accounts were listed on the police report submitted along with the XXXX XXXX XXXX account stated. When I disputed through XXXX requesting identity theft and fraudulent activity on my accounts, XXXX disregarded my requests and requested verification of account status rather than disputing as a fraudulent account. I have continually contacted them numerous times on multiple occassions and I have faxed documents, I have uploaded documents to their websites, submitted numerous verbal and online disputes and it seems that they just aren't working on fixing my account as I repeatedly request.
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| 10/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I purchased a XXXX Chrysler 300. Alphera was the finance company. I also purchased XXXX protection. My vehicle was stolen in XXXX 2015. Immediately after, I notified XXXX & Alphera. I also made a payment a day after my vehicle was stolen. Upon opening the claim with XXXX XXXX, my insurance company and XXXX. Alphera 's third party, XXXX XXXX, opened a GAAP claim XX/XX/XXXX. I signed all of my paperwork with XXXX by XXXX XXXX. All we needed was a Letter of Guarantee from Alphera ( through XXXX XXXX XXXX XXXX ). I sent in all the paperwork that was required in a timely manner. XXXX XXXX just needed the evaluation and Proof of Loss. Over the course of 3 weeks ( specifically, XXXX/XXXX/15, XXXX/XXXX/15, twice on XXXX/XXXX/15, and again on XXXX/XXXX/15 ), XXXX XXXX, the Material Damage Specialist for my insurance company, XXXX XXXX, sent in the evaluation and Proof of Loss. I was arguing at XXXX thinking he was n't doing his job, when in fact he had fax confirmations that the papers went through. The issue was with XXXX XXXX, ALPHERA 'S THIRD-PARTY. XXXX needed a copy of Alphera 's check before it would issue a payment. So XXXX XXXX 's failure to timely issue the Letter of Guarantee due to their own internal malfunctions delayed every process. I called, faxed, and discussed the issue with Alphera and XXXX XXXX several times, yet it did not move the process along any faster. I told Alphera that I should not be penalized for whatever malfunction its third-party is having. Finally, after several weeks of calling, fussing, and getting XXXX XXXX to allow XXXX XXXX to send the documents via email, we received the Letter of Guarantee on XXXX XXXX, 2015. My insurance Company, XXXX XXXX, issued a check in the amount of {$24000.00} on XXXX XXXX, 2015. Alphera received the check on XXXX XXXX, 2015. Instead of applying the check, Alphera refused to close the account and held the check. This allowed time to keep ticking and additional fees to accrue. XXXX calculated the amount based on the actual loss date of XXXX XXXX, 2015 and paid the amount of {$12000.00}, leaving a deficit of {$2900.00}. In addition, Alphera also insisted that I keep making payments on the vehicle that was declared a total loss on XXXX XXXX, 2015. When I raised the issue that it was Alphera 's third-party that delayed the timely disposition of the insurance issues/payment, Alphera dismissed it and stated that I was still responsible. Even further, Alphera told me that I was responsible for 2 payments that were deferred during the course of the loan in addition to other payments that supposedly accrued due to : ( i ) Alphera and XXXX XXXX 's failure to timely process timely sent documents ; ( ii ) Alphera 's refusal to apply the {$24000.00} payment ; and ( iii ) Alphera 's refusal to close the account. When I questioned further, the customer service representatives that I spoke to became less than professional and cited a clause in my contract ( A CLAUSE WHICH I 'VE NEVER SEEN ) as justification for their right to apply these unfair charges on top of the payoff. I asked several customer service representatives to send me a copy of this so-called contract that I 've never seen and the clause to which they cited to. I was told in XX/XX/XXXX that I would receive it within 2-3 business days. I called back again 2 weeks later to state that I still had not received it. I was told that it was mailed out and to give it a few more days. I waited, and no such contract came. I asked the Alphera customer service representatives that I spoke to each time if they could email/fax it to me, as they emailed any other documents I asked for. I was told no. Now here it is, XXXX XXXX, 2015, and I still have not received this so-called contract that justifies Alphera 's egregious actions.
|
| 11/17/2019 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX XXXX, GA XXXX BMW Financial Services XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Dear Sir/Madam I am writing BMW Financial Services to explain the reason for Voluntarily Surrendering Reference : XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX.
I purchased the car on XX/XX/XXXX believing that I had bought a car from a reputable company, XXXX XXXX XXXX, financed by BMW XXXX XXXX XXXX with the intention of keeping the vehicle and honoring my obligation by paying the monthly installments. I also trusted XXXX XXXX XXXX when I purchased the car that all inspections were done on the car prior to selling the car. I believed if those inspections were done, they would have been discovered that the pumps that drained water from the Sunroof of the car were blocked with dirt. I fully blamed XXXX XXXX XXXX for their misrepresentation to the public, thus resulted in a potential deadly and painful situation for me.
XX/XX/XXXX, I had to take the car for service at XXXX XXXX XXXX. After the Service Advisor checked the car, he came back to me with his diagnostic test and recommendation of work needed to be done : 6. Vehicle Check {$99.00} 7. Brake Fluid Flush {$140.00} 8. Microfilter to change {$79.00} 9. Spark Plugs to be replaced {$190.00} 10. Rotate and Balance tires {$59.00} I declined the service recommendation, since I had just purchased the car only 5 months earlier, However, I did get the oil change and oil-filter done for {$76.00}.
On XX/XX/XXXX at around XXXX XXXX I was on my home from work driving on GA XXXX I saw the lights inside the car disappeared, then my heads lights were gone. GA XXXX has no street- lights on the highway, it was total caucus. GA XXXX exits are two miles or more between exits.
The first thing that came to my mind, I hope I made it to the next exit alive.
I carefully moved over to the slowest lane and preceded on to the next exit, found a place to park my car and called my daughter to come and pick me up. The next day, XX/XX/XXXX, I contacted XXXX XXXX XXXX to report what I had experienced the night before. I also made an appointment to get the car service. Took the car in for an inspection. The findings from the inspection were as followed : 7. Sunroof drains clogged/torn causing water leak into the electrical system ; service requested repair Water Outlet Hose front and rear cost {$400.00} 8. Waster damaged causing multiple light out message ; repair Footwell Module. {$840.00} 9. Battery Flat-Battery has Undervoltage Faults : Battery Repair cost {$290.00} 10. Oil Filter Housing Reseal-Leaking, 3 Gaskets needed to be replaced cost {$1100.00} 11. Findings : Driver Axel Seal Leaking Drive Shaft and Ring needed to be replaced and sealed cost {$300.00}.
12. Pump Coolant needed to be Replaced -Antifreeze : XXXX cost {$740.00}.
After I got the results and costs for the repairs, I contacted the XXXX XXXX XXXX On-site Manager to negotiate reasonable repair costs. He told me he could cover {$800.00} of the cost and I would have to pay the balance. Of course, the charges were out of my budget, since I only have a part-time job that doesnt pay much. My only recourse was to Voluntarily Surrender the car and took a loss of not having a vehicle to drive 56 miles to and from work daily. Please find enclosed documents that corroborates my claim to Voluntarily Surrendered the vehicle.
Note! After extensive research on the XXXX XXXX XXXX XXXX XXXX I found out that this car was the worst model that this company has ever made. Consumers have been complaining about electrical problems causing loss of power and eventually cutting off head lights and power inside the car. The car also has problems with Water Leaks on Wiring Harness
|
| 09/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMW XXXX XXXX XXXX XXXX, NY XXXX CC : XXXX XXXX XXXX, Client Advisor ( XXXX BMW ) CC : XXXX XXXX XXXX, Business XXXX ( XXXX BMW ) CC : BMW Financial Services of XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : NYS Attorney General Office ( Consumer Division ) Subject : Discrimination on Credit and Sales of Goods by XXXX BMW 's XXXX XXXX XXXX XXXX, I am writing to convey my profoundly disturbing and reprehensible encounter with your dealership 's staff, specifically XXXX XXXX XXXX, which took place on XX/XX/2023.
Having been a loyal customer of BMW XXXX XXXX and XXXX for over XXXX decades, it is with great disappointment that I recount my recent experience at your showroom. My household has exclusively driven BMW vehicles during this time. Last week, I visited your dealership with the intention of purchasing a new vehicle and was introduced to XXXX XXXX XXXX. After carefully considering various models, my wife and I settled on the XXXX 2023. We negotiated a price, and XXXX XXXX even matched a competitor 's offer.
XXXX XXXX strongly recommended an expedited delivery to honor the rebates, to which we agreed. He made arrangements for the car to be ready for delivery on XX/XX/XXXX and requested a binder for the vehicle before my arrival to streamline the process. We promptly complied, coordinating with our XXXX XXXX agent and providing the requested documentation. Subsequently, XXXX XXXX sent the credit application via his personal email, which I returned within an hour of the scheduled XXXX pm delivery time.
To my utter dismay, at approximately XXXX pm, XXXX XXXX informed me that my credit had been declined. When I inquired about the reason, he responded via text, stating that I had a XXXX XXXX of XXXX, while BMW XXXX XXXX required a score of XXXX or higher. This XXXX XXXX requirement had never been communicated to me prior to this stage. Additionally, he claimed that BMW XXXX XXXX had informed XXXX XXXX that I had previously owned a XXXX Series, which was unequivocally false. In reality, I have only owned XXXX XXXX Series vehicles through BMW in the last XXXX decades, XXXX from XXXX and XXXX from XXXX. XXXX XXXX proceeded to inquire if my wife would co-sign, to which I agreed. At XXXX pm, both XXXX XXXX and XXXX XXXX called together, and I reiterated that I had never owned a XXXX Series. XXXX XXXX went so far as to fabricate further falsehoods, suggesting that even my wife, as a co-signer, needed to have driven a XXXX Series or a car valued at over {$100000.00}, or she would not qualify. I subsequently verified with BMW XXXX XXXX that her statements and assertions were entirely untrue. I am left with a strong belief that XXXX XXXX XXXX unilaterally decided that a person of XXXX like myself should not be driving a BMW, particularly a XXXX Series.
I am the CEO of multiple healthcare facilities. While we faced significant business challenges a decade ago, and I have dealt with personal issues that have impacted my credit, we have consistently honored our agreements with BMW over the past 20 years. My wife and I are highly respected individuals in our community, and I have personally referred more than XXXX clients to XXXX XXXX.
It is with a mixture of astonishment, anger, and disappointment that I find myself in the year 2023, experiencing such blatant discrimination at the hands of an individual like XXXX XXXX XXXX. Although XXXX XXXX eventually called at XXXX pm for my wife to submit her credit application, we are now uncertain whether XXXX is the right place to conduct business after such a disheartening experience.
Yours sincerely, XXXX XXXX XXXX :
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| 05/08/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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XXXX XXXX, XXXX I performed a periodic review of my credit report through a service that Transunion offers and discovered that a summary judgment had been filed against me on XXXX/XXXX/XXXX in the amount of {$18000.00} in XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # : XXXX XXXX for an outstanding debt on an auto lease owed to BMW Financial Services.
I had a 36 month lease with BMW Financial Services with a beginning balance of {$27000.00} that commenced in XXXX XXXX. Monthly payments were {$770.00}. My last payment on the vehicle was XXXX XXXX. XXXX XXXX it was repossessed. I spoke to XXXX XXXX at the time and was told they did not plan to pursue the remaining balance as the car had sold almost immediately and was well under the mileage requirement. This might be unusual, but I had no reason to believe anything else was the case as I 've heard nothing further from either XXXX or any third party collection agency until I saw the judgment appear in my credit report.
I immediately retained counsel referred to me by the VA XXXX XXXX and my attorney discovered that notice had been posted on the door of an apartment I have not lived in since XXXX XXXX. It is n't even the last address of record with XXXX.
The summary judgment was dismissed on XXXX/XXXX/XXXX. Opposing counsel ( XXXX XXXX, XXXX XXXX XXXX, XXXX ) for XXXX XXXX XXXX had until XXXX XXXX XXXX to provide some evidence of the debt. The deadline passed with no evidence given. My attorney XXXX XXXX spoke to XXXX and was told they no longer planned to pursue because of their lack of evidence and a nonsuit would be filed.
On several occasions opposing counsel had not appeared for during scheduled court appearances and the judge had given a continuance. Because of this we went to court yesterday to request that the case be dismissed with prejudice due to the lack of evidence. The opposing counsel did appear and stated at this time that a nonsuit had been filed.
I 've spent nearly {$2000.00} in attorney fees, not only has my credit been affected for the last year, but because I 'm a registered representative working for a broker/dealer, I 'm required to disclose the judgment to the agency XXXX which then has that information as public for anyone to access when they run XXXX 's broker check on me. To this day I have never ONCE seen a solitary piece of paper from XXXX XXXX XXXX notifying me of their intention to collect on a debt ... ..nor did they provide a single document when requested to do so in court. Not XXXX.
Surely there is some recourse that consumers have when such frivolous lawsuits are filed with no substance whatsoever and with the intent to collect on a debt that they have no evidence exists? The ability to file a last minute " nonsuit '' seems to have prevented them from having to admit this in front of a judge, but it has also left the door open for them to pursue the issue XXXX more time. At a minimum, they should be responsible for the attorney fees I 've incurred. I 'm surprised that this is even legal.
I have any and all documentation supporting everything outlined above if requested. I 've never filed a complaint to any agency anywhere. But this group could have garnished my wages and caused horrific damage to my ability to support myself and my daughter while having nothing to prove any debt was owed at all. I find it suspicious that I was notified of the original court date with a notice on my door for an address they would have known was n't accurate if they did receive their information from BMW Financial. As mentioned previously that 's not the address of record with BMW as can be seen from my account statements.
|
| 06/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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This is a follow-up complaint for complaint # XXXX that was submitted yesterday ( I wanted to upload additional email correspondence between me and the dealership after I submitted the first complaint ). On XX/XX/XXXX, I purchased a XXXXXXXX XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX in XXXX, XXXX. I was approved for 1.9 % for 72 months. Prior to being offered the " optional '' products, my monthly payment was {$660.00} per month. The finance manager, XXXX XXXX, presented me with a variety of maintenance packages. I asked him could I purchase the optional products at a later time. He stated yes, but there were a few that you had to purchase at the time of financing ( would not be offered later ). When I got home in XXXX XXXX, I noticed that there were 2 or 3 of the optional products that I did not need. I'm aware that most extended warranties can be canceled at any time ( but would be pro-rated ). So I called up the finance manager and told him that I'd like to cancel a couple of warranties. He was trying to convince me that they could not be canceled. The LoJack stolen vehicle system ( one of the warranties that I wanted to cancel that I signed up for ) could not be canceled and was permanently installed on my car. Well, it was permanently installed on my car BEFORE I signed the warranty ( so that shouldn't have been an issue ). We had several conversations via email back and forth on XX/XX/XXXX I emailed the finance manager and told him that I read the warranty, and didn't see any verbiage in the disclosures that the warranty could not be canceled for both the Ibex warranty and the LoJack warranty. But the finance manager, XXXX XXXX insisted that the disclosure was on the back of the warranties. I later emailed him on XX/XX/XXXX and requested that he send me the verbiage that states that I could not cancel the warranty. He sent me an email back that he'd " send it over shortly. '' Four days go by and no word from the dealership. I sent an email on XX/XX/XXXX to the finance manager letting him know that I would be filing a complaint with the CFPB and that I was displeased with the entire customer experience. That's when XXXX XXXX, the lead finance manager, calls me and wants to get the issue resolved. Shortly after, he sends me an email stating that I was correct, the Lojack warranty does not have verbiage stating that the warranty could not be canceled. He sent me a document containing verbiage that the Ibex warranty could NOT be canceled. However, I told him immediately that that disclosure page was not included in my disclosure packet. It was either deliberately or inadvertently left out of my packet, but it was NOT in there at the time I signed up for the optional warranty. I stated to him that I wanted BOTH warranties canceled ( I had NO knowledge that the Ibex warranty could not be canceled because that disclosure was not included in my packet. He admitted that the LoJack warranty didn't have verbiage that it is not cancelable. ) I didn't return his call, but I sent him an email stating that I would like to communicate via in writing only going forward. I have not heard from them since. Please take a look at their disclosures, they are not clear and conspicuous. Because they blew me off for a whole week makes me think that the Ibex warranty disclosure was deliberately left out of my packet. It's a deceptive practice! If I had known that, I would have never signed up for it. Please look into this matter. I have attached additional email correspondence and also the Ibex warranty that was provided to ME at the time of financing.
Regards, XXXX XXXX XXXX
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| 09/09/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
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In XX/XX/XXXX I purchased a new XXXX XXXX XXXX model through their online website with the assistant of online car dealer to facilitate my paperwork.
I placed {$10000.00} down payment for the purchase and I kept my account and dues up-to-date by setting an automatic payment after BMW reported a delay payment on my account without sufficient notification. Since then my account was On auto pay before the statement date.
In XX/XX/XXXX my car sustained damage due to a hail storm. This damage was evaluated by my insurance company who after negotiation agreed to deemed the car a total loss and keep a clean title on the vehicle.
I contacted BMW immediately after on XX/XX/XXXX through the customer service main phone number. I requested information and a quote for my car to for purchase. I was told its going to be emailed to me, however I have not received any emails.
Later on, I checked my mobile app for BMW and There was a quote to buy the vehicle with defined residual value that should expire in XX/XX/XXXX. I did obtain a End of lease loan through a different bank that will allow full ownership and autonomy on the Vehicle and it was approved and processed.
I contacted BMW for the second time after reaching out to my insurance agent to ask about if I can retain the ownership of my car. During my second phone call on end of XXXX. The customer service representative told me that my car was noted as a total loss and Im not allowed to purchase it under any circumstances. I tried to call my insurance company again and I couldnt get hold of anyone. I called BMW for the third time asking for my lease agreement copy to read that condition and I verified my email for the third time and yet I have not received any emails On XX/XX/XXXX, I called BMW financial service for the fourth time and asked to speak to the manager who kept Reiterating the same message and was persistent about the fact that BMW financial owes the car and I have no autonomy on a vehicle that I was paying for for almost 2 years now.
When I told him I called that an earlier they to purchase the car and I did not receive any paperwork, he recklessly said that this is false and he keeps track of all the communication. Eventually, when I ask him to verify my email address he provides the WRONG email address. Although I verified my email address more than three times before calling him. Until this day I have not received any emails From BMW financial.
Finally and most importantly, BMW financial services failed to provide the contract agreement that state this conditions and rules. They also failed to deliver clarity and transparency with communication. Sitting aside the high level of unprofessionalism treating their clients and customers In summary : - I have a major concern regarding the communication I was getting and also reporting to the credit bureau without sufficient documentation - There was a major and red flag regarding the inaccuracies in BMW documentation regarding my contact information. That eventually lead to a financial consequences on my personal finance - There was an obvious failure to disclose important documentations and agreements that was verbally given to me and not in writing - finally, there was a lack of transparency with me regarding the terms and conditions and failure to deliver the expected service.
-There was an intentional delay in the process of transferring the car title for no clear reason or legal ground Documentation and recorded conversation are available upon request As well as access to my email address and history of all email addresses I had
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| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
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As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back XXXX has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts.
The account listed below has violated my federal given consumer rights to privacy amongst other things.
Account name- XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXXXXXX Account # XXXX Account name- XXXX XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name XXXX XXXX Account # XXXX Account name- BMW Financial Service Account # XXXX Account Name- XXXX XXXX Account # XXXX Along with grossly reporting my accounts to these agencies, The following are exampled of errors that are being reported to credit agencies. I have challenged these with these companies and they have refused to change the reporting. below are examples.
1. In XX/XX/XXXX XXXX XXXX stated I was 150 days late to XXXX but reported to XXXX that I was 120 days late. False information which is a major violation 2. In XX/XX/XXXX XXXX XXXX Stated I was 150 days late to XXXX but reported me as paid to XXXX.
3. From XX/XX/XXXX to XX/XX/XXXX XXXX XXXX allowed XXXX to list my account as charged off while XXXX lists my account as updated and " okay '' 4. BMW- XX/XX/XXXX this company reported to XXXX that I was 30 days late while reporting paid on time to XXXX and XXXX XXXX. BMW- XX/XX/XXXX this company reported to XXXX that I was LATE while reporting ON TIME to XXXX and XXXX XXXX. BMW- XX/XX/XXXX this company reported to XXXX that I was ON TIME while reporting to XXXX and XXXX XXXX XXXX. BMW- XX/XX/XXXX this company reported to XXXX that I was 30 days late while reporting paid on time to XXXX and XXXX 8.BMW- XX/XX/XXXX this company reported to XXXX that I was ON TIME while reporting to XXXX and XXXX LATE XXXX. BMW- XX/XX/XXXX this company reported to XXXX that I was LATE while reporting ON TIME to XXXX and XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.
15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!
|
| 05/19/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
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XXXX XXXX, XXXX BMW Financial Services Account # : To Whom it may concerned : The payment due XXXX/XXXX/XXXX was sent through online banking at Bank dated XXXX/XXXX/XXXX and was posted on XXXX/XXXX/XXXX by BMW. The next due date would be XXXX/XXXX/XXXX and therefore the payment in question if received on XXXX/XXXX/XXXX would have been late. However, on the statement the payment was posted on XXXX/XXXX/XXXX. I am in the finance business and I have been leasing my vehicles since XXXX without ever missing a payment. For your review I have attached the following : Print Activity Report generated by my business account with XXXX Bank XXXX XXXX of my credit report showing Late of XXXX reflecting XXXX on my XXXX Report BMW Payment History Copies of my XXXX, XXXX and XXXX Account Statement XXXX XXXX Report showing XXXX - XXXX with the 30 day delinquency showing in XXXX XXXX.
First, let me state that my payment history is consistently on time or within the 30 day period. I had a previous BMW about 8 years ago and paid the account on time as well. In addition, my credit report shows all of my accounts on time. I spoke with a representative named XXXX who told me that he had received the payment, but reported the payment as late anyway. His attitude was quite offensive and he had no intention of honoring my on-time payment. My Bank XXXX XXXX XXXX will certainly confirm processing my online payment to BMW.
I am under a purchase agreement building a new home and I am extremely concerned that my score being affected so dramatically going from XXXX down to XXXX could affect my ability to obtain a mortgage especially since I have {$35000.00} at risk with the builder. I respectively request that the XXXX date late payment reported be reversed and reported as current. I am hoping that you take my overall credit profile into consideration as well as my credit history with BMW as well.
BMW of North AmericaXXXX Account # : Dear Mr. : On XXXX XXXX, XXXX I wrote a letter to BMW Financial Services concerning a report made to the credit bureau where I made a payment that was received and posted the same day BMW reported my account to be more than 30 days past due. Rather than taking too much of your time you can review the correspondence related to this action. I did speak with XXXX of your XXXX XXXX XXXX who was less than receptive to working with me in order to give me a one-time waiver since the payment was at XXXX sent via electronic mail sent by my Bank on XXXX XXXX and received XXXX XXXX, XXXX.
If you were to look at my credit profile you would see that all of my payments have historically been on time. I am also in the process of building a new home which we have downsized from the home we just sold recently and we have our mortgage approval, but conditional based upon final information that must be supplied included an updated credit report. I 'm sure you understand what a 30 day late being reported does to a person 's credit profile or credit score. I have {$35000.00} at risk which I will lose if I do n't have the requisite credit score required.
I respectfully request that BMW change it 's reporting of my credit score to current for the XXXX XXXX, XXXX payment. I do understand that that my account history is not perfect, but all of my payments have been within the 30 day window which triggers a late charge when the account is over 9 days old. I am also making all of my payments direct to BMW Financial.
Please consider my request favorably as I believe I have showed my ability to make sure my payments are and have been on time.
|
| 07/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I received a call from a collection agency stating that I have a balance due on an old lease account with BMW Financial Services. Prior to this date, I had no idea this account had a balance due, because it has been showing " paid by insurance '' on my credit report since XX/XX/XXXX. In XX/XX/XXXX, I was in an accident where my leased BMW was totaled. After the car was declared totaled, I entered into a new lease with BMW. The new lease was contingent on the fact that the old leased vehicle was totaled. Furthermore, BMW Financial assured me that the account was closed and that I no longer owed any payments on the lease for the totaled vehicle.
I thought this account was settled, but apparently BMW tried to sneak in two extra months of lease payments. I paid BMW Financial a settlement for the remaining two months of payments in XX/XX/XXXX after being told that it was the ONLY way for the debt collector to leave me alone. I had spoken with BMW to update the account to show as current and always paid on time as part of the settlement, and they agreed to update it accordingly. I was never technically late on any payments, because I was told by BMW Financial that they had canceled the lease when the car was totaled in XXXX ( I had also signed a release of liability for the vehicle ).
Fast forwarding to XX/XX/XXXX, I noticed that the same BMW Financial lease account was showing a negative payment history on my credit report. I disputed the account through the credit bureaus after trying to resolve the issue with BMW Financial. BMW Financial was of no help, which is no surprise, seeing as the entire company is extremely incompetent. After disputing with the credit bureaus, the account is showing different statuses on each of my credit reports. All three credit reports show that I had one or two late payments on the account, which is simply NOT true. After all I went through with BMW Financial, opening a new lease after the accident, contingent on the other leased vehicle being declared totaled, I can not believe that this company is still trying to swindle me. BMW Financial had agreed to report the leased account as paid on time, because it technically was never paid late.
On my XXXX report, for example, the leased account is showing that it is still delinquent ( 30 days late ). BMW Financial does not even have the decency to report the account as paid and closed. I PAID BMW FOR THE REMAINING LEASE PAYMENTS OWED ON THE ACCOUNT. I do not understand how many times I need to emphasize this fact. I even sent proof of payment to the credit reporting bureaus. The least BMW Financial can do is report that the lease account was paid. The fact that each bureau is reporting three different things is UNACCEPTABLE. BMW 's actions, combined with the credit bureaus lack of due diligence, clearly violates the FCRA. Something needs to be done to correct this wrong, because my credit is suffering as a result of BMW Financial 's incompetence and unwillingness to report information accurately.
I had no idea that being in a traumatizing car accident would result in so much difficulty on my credit report. Moreover, the fact that BMW used the car totaling as leverage to get me into a new lease, while still reporting the account as open for TWO EXTRA MONTHS, is proof that this company does not follow the law. There is so much more I can say ; however, enough evidence has been provided to show how BMW is inaccurately furnishing information on my credit report. Something needs to be done to correct this wrong.
|
| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
For 25 consecutive months, my bank ( XXXX XXXX in XXXX, New Jersey ) sent an automatic ( " recurring '' ) payment of {$390.00} every month to BMW Financial for my leased car. For reasons that I am still seeking clarification about, XXXX XXXX 's automatic payment system malfunctioned and payment was not made to BMW Financial in XXXX or XXXX of 2020. I heard nothing from BMW advising me that payment for XXXX was not made. Then I still heard nothing from BMW advising me that payment for XXXX was not made. I assumed that just as it had for 25 consecutive months previously, payment was sent automatically to BMW. In early XXXX, I happened to pick up a call from an XXXX exchange, which I generally do not answer because they are almost always spam calls. It was BMW finally advising me that two payments were missed and they had sent adverse information to the credit rating agencies. Upon learning this for the first time, I immediately paid BMW Financial for three months : XXXX, XXXX and XXXX of 2020.
So here are the questions for BMW Financial : why in XXXX of 2020 did BMW not contact me ( or XXXX XXXX ) to find out why the automatic payment was not received? BMW Financial ( XXXX XXXX, a " customer services advocate '' ) said that the people who work at BMW Financial " do not have time '' to make calls to see why payment was not made. But apparently BMW Financial took the time ( in a middle of a pandemic ) to complain to credit rating agencies which resulted in a devastating XXXX point decline in my rating.
XXXX XXXX sent me a letter last night ( XX/XX/XXXX ) by email. The email went to spam. XXXX XXXX stated that in addition to a few phone calls from an XXXX exchange, BMW Financial sent me one email in XXXX. As we know from the XX/XX/XXXX email from BMW Financial, their emails go straight to the spam folder. That is not surprising since I do not have a pattern of communicating with BMW Financial by email. Thus, other than a single email ( that went to spam ), the only other attempt at notifying me was a call or two from an XXXX number. When I asked XXXX XXXX why an XXXX exchange was used to call me ( which is not calculated to be picked up by most people in this day and age ), she told me that the " XXXX line is the only line we can use. '' So, to summarize, BMW Financial sent me an email that went to spam, and called me from an XXXX line. BMW Financial did not send me a letter. They did not text me. They did not call XXXX XXXX. They did not do anything that was actually calculated to notify me that the automatic payment system suffered a glitch. The one thing that BMW did effectively and efficiently was destroy my credit by telling credit agencies ( during a pandemic ) that I had stopped paying my lease. This was inaccurate. Had BMW Financial effectively notified me, I would have immediately made the payments and stopped relying on a faulty automatic payment system. When I finally ( accidentally ) picked up an XXXX call from them in XXXX, I immediately paid three months of the lease. Had they contacted me in XXXX, I would have immediately paid XXXX. Had they contacted me in XXXX, I would have immediately paid XXXX and XXXX.
BMW Financial made a poor pretense of contacting me when in fact the only thing it did effectively was notify the credit rating agency. During a pandemic in particular, BMW Financial should be using more effective means of communicating with its customers. BMW FInancial needs to overhaul its policy and behave professionally. It failed to do this in my case.
|
| 10/03/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I have been communicating with initially XXXX XXXX, the CEO of BMW in writing in XXXX of XXXX because I could not receive any help from XXXX XXXX dealership ( who has a staff member named XXXX whose behavior treads very closely to harassment - it 's unbelievable ) nor from North America offices. Finally I was assigned to XXXX XXXX North America who XXXX XXXX assigned to me in writing, regarding the defects of the new XXXX XXXX I had leased through their XXXX XXXX dealership for a three year period. When this car was returned to the dealership on XXXX XXXX, XXXX to XXXX XXXX XXXX XXXX XXXX, the car had to be towed for the 4th time ( which is documented by XXXX who 's services I had to pay and use twice ) and the transmission was to be replaced. For 36 months I was leased lemon that I paid for at full price person month at {$390.00}. Not only was my safety endangered multiple times because the car would just turn OFF in the middle of traffic but I also had to pay for multiple towings which took hours of my time. And I had to hit the breaks multiple times when this would happen to try and gain control of the car. Now BMW is claiming that a tire needs to be replaced which should have normal wear and tear despite the vehicle defeats and other charges when I have not received reimbursement for any of the months I drove a defective car, a complete lemon is you will as the TRANSMISSION of the car on its return needed to be replace AND the costs of the multiple tows. I can scan provide the multiple emails to remedy this situation that have been sent directly to XXXX XXXX, XXXX, the calls to BMW financial services to XXXX XXXX who is the escalation case manager that will not resolve this matter at XXXX FAX and multiple logged calls at XXXX XXXX.. I feel strongly that is a total scam to obtain more money from lessees who are powerless to fight it. I therefore request that the CFPB investigate and have the charges removed. I was informed each time I called, that the calls were being recorded. If the initial call I made is checked you will clearly hear that I was told I would receive a response regarding these charges as well as a confirmation that the card needed a new transmission it was so defective. All of my calls and multiple letters can be provided as well as the vehicle multi tow history with XXXX. It is a MIRACLE I was not killed in that car and I can not believe BMW has the audacity to try and force these charges when I should reimbursed for all the months they provided me with a LEMON. There are lemon laws in California. The vehicle did not run on it 's LAST DAY and had to be towed to BMW to the dealership. All of these entities are aware of the fact that they had me lease a lemon. I should be reimbursed a minimum of one year for that car at {$4800.00} not to mention the trauma of having oncoming traffic nearly kill me when I was XXXX no where near my home to signal for assistance outside of XXXX. Thank goodness the people on that neighborhood were so kind to me. Please remove these charges and reimburse for the tows and history of this vehicle BMW. I will be writing Congressman XXXX XXXX as well and any entity I can reach that will bring your defective vehicle and below standard customer service to light. Thank you so much for your help CFPB. We can not have entities like BMW doing this to innocent lessees. I believed in BMW prior to this horrific incident which goes from the shady dealership and now to your financial service. It 's a disgrace. Sincerely, XXXX XXXX
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
The Following Inquires and account BMW FINANCIAL SERVICES account XXXX are XXXX XXXX a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : Inquiry : BMW FINANCIAL SERVICES, and account for {$31000.00} XXXX XXXX {$110000.00} My identity has been stolen you are hereby put on notice.
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
( 1 ) In general.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
XXXX, XXXX, XXXX have aided this Fraud by not verifying these accounts.
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
account BMW FINANCIAL SERVICES account XXXX Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above Section of the law.
I demand all the above Fraudulent accounts DELETED immediately.
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and
|
| 10/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
BMW Financial Services XXXX XXXX XXXX XXXX, OH XXXX This organization has been reporting every year that I owe them {$18000.00} for the last four years.
Below there is the BMW dealers response to the XXXX XXXX XXXX inquiry on my behalf that explains more detail. I purchased a used car from BMW and had immediate problems with it, so I returned to the dealer shortly after purchase.
I gave them a {$2500.00} down payment for this car and returned the car weeks after purchase..
They gave me no credit for the returned car and have been reporting to the credit agencies that I owe the total original sales price less the {$2500.00} down payment.
I only realize they were generating this false and damaging information recently.
XXXX approached them and they refused to change the false information.
I have tried many times to get them to change their reporting information, but they refuse to do that or even respond to me.
The following is a recent letter authored by me to the XXXX XXXX XXXX : The dealer made the financial arrangements with BMW Financial Services for me and for that I am sure they benefited.
Therefore, I believe they should contact BMW Financial Services and clear this matter up.
XXXX has contacted BMW Financial Services on my behalf to no avail.
The letter below corroborates that fact that I returned the car as I originally stated.
XXXX " Disputed my claim directly with BMW Financial Services and the " Dispute Results '' Report from XXXX # XXXX dated XX/XX/XXXX showed that BMW Financial Services would not correct their reporting information to the credit services.
This false data being reported has been damaging my credit rating for four years.
It is apparent that the BMW dealer ( as stated in letter below ) can verify that BMW Financial Services received the car back from me.
The letter below from the BMW dealer advises me to contact BMW Financial Services to correct the information. But to reiterate I already failed to get any results from BMW Financial Services via XXXX or through my personal efforts.
XX/XX/XXXX Forward Business response to Consumer XX/XX/XXXX Receive Business Response XXXX XXXX XXXX Case # XXXX The following is a letter is from the BMW dealer to the Better Business Bureau confirming that I returned the car to the dealer and that BMW Financial Services received the car from the BMW dealer.// Mr. XXXX bought a XXXX XXXX XXXX on XX/XX/XXXX with XXXX miles on the vehicle. The vehicle was financed with BMW FINANCIAL SERVICES. The vehicle was in for service on XX/XX/XXXX and client stated vehicle would not start, the vehicle was repaired and returned to Mr. XXXX. The vehicle was in for service on XX/XX/XXXX for a complete detail and was returned. The vehicle was in for service on XX/XX/XXXX for services under the BMW maintenance agreement and an air conditioning concern and the vehicle was repaired and returned. The vehicle was dropped off in our service department by Mr. XXXX on XX/XX/XXXX for a malfunction light, the customer declined to have the vehicle repaired. On that same day XX/XX/XXXX Mr. XXXX sent us an email that stated the car was in for service and he did not plan on picking up the vehicle again. At some point he may have contacted BMW FINANCIAL SERVICES and stated he was not picking up the car, the vehicle was picked up by BMW FINANCIAL SERVICES on XX/XX/XXXX. He will have to discuss the balance on his credit report with BMW FINANCIAL SERVICES at XXXX XX/XX/XXXX Notify Business of Dispute
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| 04/18/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Credit denial
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Web |
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XX/XX/2018 i went to BMW of XXXX, ny interested in purchasing a XXXX XXXX XXXX ...
I advised the sales guy XXXX that i had issues with my bank XXXX on a current car loan, and the insurance company for their payoff and hence my loan was past due causing cy credit score to fall from XXXX to XXXX ...
i advised him once its paid off they will correct the late reporting and credit me late fees and if i should come back then soapily for the lease..
he advised XXXX the finance guy will submit the application and let me know what they are willing to do and they will explain the issues ..
that was not the case they pulled my credited denied me for the loan i was then told upon submitting proof of car loan payoff they will reconsider the loan but i won't be able togged the vehicle i want because i have no payment history showing a high loan payment XX/XX/18 i contacted XXXX advising him the loan was finally paid off in full letter to proof so along with my credit payment history was corrected showing no late payments and increase in credit score to XXXX but not XXXX b as it was before i advise him of this asking can my income be taken into consideration to get the loan i have XXXX in the bank pull in on average XXXX weekly net income and i have paid off all my credit card debts etc ... XXXX advised it would be best to come in person XXXX the finance guy can call the analyst while am in office to speak with them so explain my financials and find a solution for approval..
i never gave permission to bmw financial to re run my credit on XXXX nor did i give anyone permission to act as a broker on my behalf as XXXX stated to me as to him having my permission if he was brokering a deal for me ...
i was still denied the lease among and was told XXXX $ a month is the payment amount am allowed.
i asked then why was i told to come in, XXXX was extremely unprofessional and disrespectful to me as a consume he was patronizing and kept justifying why my credit was re ran ignoring the fact that i didn't permit it i only advised XXXX that my score had increase and how can i get th payment approved i stated to XXXX i went to XXXX who took my financials but was advised to give bmw a chance since i already started there because the finance process with XXXX is much harder and more in depth so since my credit was already checked i decided to speak to XXXX asking can we call finance and explain certain items fora chance to get the financing for lease ...
but instead XXXX went on to belittle me and state if it was that simple you would be driving a XXXX i was highly offended as i stated to him i can by the bmw XXXX but choose not too because i have XXXX in the bank and can buy the car but its not a smart move.
this location XXXX the finance guy has not handled my file professionally and has not obtained my permission to rerun my credit as it was done nor to broker my personal info ...
he has been misleading with his previous info with my initial denial and was very passive aggressive when i was asking for explanations. he even pulled out his phone and began to text on it while i spoke to him and when i asked him if he was listening he states that he was multi tasking extremely rude.
i was misled and would never submit the initial application knowing it be denied i was told other wise ...
i will not do business with XXXX XXXX very traumatizing just had a baby XXXX XXXX ago and i had to deal with this guy XXXX who was unprofessional
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| 02/13/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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XXXX-signed lease for New XXXX XXXX XXXX at XXXX XXXX aka XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. Lease provided by BMW Financial Services ; 1st payment of XXXX due on XX/XX/XXXX followed by 35 payments of the same amount due the XXXX of each month, with a scheduled maturity date of XX/XX/XXXX.
XXXX8-Terminated lease early or thought I did by leaving XXXX XXXX XXXX leased vehicle at dealership after being provided with Lease-End Inspection Form for vehicle. On same day and at the same time my leased vehicle was being inspected I was with a sales person and ultimately purchased a used XXXX XXXX XXXX at dealership located at XXXX XXXX aka XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ... where I originally leased my XXXX XXXX XXXX.
I planned to pay the remaining payments that day however at the dealership was told I would receive a final bill from BMW Financial Services and from there make payments arrangements. In the meantime, I left my leased vehicle thinking I was terminating the lease and when the final bill didn't come, I'm not sure of the date but I called BMW Financial Services only to find out my lease wasn't terminated. I received several letters from BMW Financial Services after telling them I turned my lease in early and would like to pay the remaining payments to terminate the lease early and would like to know my options.
I paid {$6100.00} on XX/XX/XXXX which was the remaining payments due on my lease and end of lease fees based on a letter dated XX/XX/XXXX. On XX/XX/XXXX I called to get an updated payoff and received a payoff letter with a payoff amount of {$42000.00}. I called BMW Financial Services attempting to cure this situation and making my concerns and dissatisfaction known.
Now, my credit bureau reflects BMW Financial Services as a negative account in default with a balance owed of {$12000.00}. This shouldn't have happened with a dealership BMW Financial Services partners with. I wouldn't have purchased a used car if I wasn't in good faith believing my lease was being inspected for early termination and less than 4 months be considered repossessed. This is a bad business practice and needs to stop.
I was calling and disputing my account with BMW Financial Services prior to their " repossessing '' a vehicle I left at a dealership they partner with. It doesn't seem right. Please help me. I can't get a hired at jobs because of how this has been handled. I paid what was due on my lease contract and I tried to get an updated payoff. I shouldn't be responsible for the tactics the dealership uses to secure a new deal. BMW Financial Services is responsible for allowing the dealership to accept an early termination lease vehicle and keep said vehicle for 4 months ... ..knowing the purchase of the used BMW wouldn't have happened if they didn't accept an early termination lease on behalf of BMW Financial ... extremely misleading and the dealership isn't alone, BMW FInancial ALLOWS this! This is a horrible business practice and I, as a consumer am paying the price. Not the dealership not BMW Financial. Mismanagement on every front, and corrupt business practice. It is sad.
I disputed the information reported with the credit reporting agencies and BMW Financial Services hasn't changed anything. Please let me know if Thank you for any help possible. Thank you and best regards, XXXX
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| 09/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
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On XXXX l was injured at my ex employer XXXX on the job in XXXX.California.
I purchased XXXX XXXX on XXXX XXXX because l was been paid in full in compensations than l was placed on Permanent XXXX on XXXX XXXX as l XXXX.
l started receiving State XXXX payments of around {$XXXX} a month instead of my high salary of {$XXXX} at my ex employerI have made contact with BMW Financial since my Injury and Financial Hardship and My Permanent XXXX since XXXX and Present.
I explained my financial hardship and Retirement from Ex employer XXXX for many years.
I sent BMW Financial Hardship letters through fax and regular Postal mail and BMW Financial Management acknowledged and stated they will work and accept payments of {$380.00} a month until l recover Financially.
As of XXXX XXXX l have not recover from my Financial Hardship and will not recover Financially until XXXX XXXX.
BMW Financial Management acknowledged on my Financial Hardship and has been accepting {$380.00} a month and payments are always paid on time as l have been calling BMW Financial to set up XXXX debit payments through my checking account with XXXX to be deducted on the XXXX of each month.
Now BMW Financial Management wants to put my car in Repossession and have me in collections of {$30000.00}.
BMW Financial Management and Reps they have placed my car in repossession and now l will have no means of transportation for my Doctors and my XXXX.
Why BMW Financial Management did n't repo the car back in XXXX and now in XXXX XXXX they want to take my car.
I have been paying {$380.00} a month and always on time.
Also BMW Financial has been charging late fees from XXXX and XXXX.
Bmw financial also wants me sign a Repo documents so they can take the car.
I respectfully did n't sign.and l am continuing to make {$380.00} timely payments as they agreed Verbally on the phone as Bmw financial records all my conversations.
I requested BMW Financial to send agreement verifications in writing but they refuse.
Why accept {$380.00} for many months and than threatening me on the phone on XXXX that you taking my car with legal actions and repossession.
Bmw financial XXXX Supervisor was very threatful and with unprofessional behavior on the phone.With respect she Discriminated and Retaliated against me because of my origin and XXXX decent.
When l told her respectfully that l was a Military Veteran and on Permanent XXXX Lifetime.and on XXXX.
Bmw financial Supervisor unprofessional escalated and she slammed the phone as l was injured by her unprofessional attitude.She was upset Because l requested for a Bmw financial Manager to see if Bmw manager can review all payments of {$380.00}. @ month.
She refuse to connect me with her Manager.
Bmw financial has me in collections and demanding that l either pay a {$1600.00} payment or {$30000.00} for vehicle.
I do n't have {$30000.00} or {$1600.00} dollars and never will have that kind of money.
If l had that kind of money l would have pay for car and payments.
I am on Permanent XXXX Lifetime and Retired and on XXXX for lifetime.
I will send bmw verifications and documents by emails.
Please tell Bmw financial that Military Veterans needs to be treated with respect and not Discriminate and Retaliate against no military veterans when any veterans or citizens files complaints with Federal Government.
Urgent Matters.
|
| 07/06/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I assumed a lease for a XXXX XXXX XXXX from the original leasee of the vehicle in XX/XX/XXXX. I was not the original purchaser of the vehicle. I have assumed leases before and know I was responsible for end of lease wear and tear. In fact I had a XXXX BMW lease ( that I also assumed ) so I knew the process.
I received a letter from BMW that I needed to contact " XXXX '' before my lease ended on XX/XX/XXXX to have them conduct a 3rd party independent lease assessment. I meet the representative, in person, at my place of employment on XX/XX/XXXX. I gave him all the applicable paperwork and keys. He took over 20 photos and told me he saw 2 issues. One was scrapes on the wheels ( which I agree with ) and a dent on the driver door ( which I also agree with ). I got a full report with all the details and photos about a week later at the end of XXXX. I felt confident that based on his report and what I knew about the car there would be minimal damage at lease turn in 30 days later.
I turned in the vehicle on my lease termination date of XX/XX/XXXX and under mileage.
About a week later I received a statement # 1 from XXXX dated XX/XX/XXXX XXXX for {$500.00}. Bumper cover scratch 2-4 '' {$300.00}. Left fender scratch 2-4 '' {$200.00}. Along with 6 other issues ( two tires scraped, front right door dent, and 3 previous repairs ). These last 6 items are all showing {$0.00} or normal wear and tear. I was kind of surprised at the {$500.00} bill I was being assessed after 30 days ago the number was {$0.00}. Before I had a chance to call I received statement # 2 for {$1400.00} dated XX/XX/XXXX at XXXX. The same items above where on the bill but they added XXXX for " modified suspension ''. I called the previous owner of the car who did disclose to me he did change the springs ( which he failed to tell me back in XX/XX/XXXX. When I asked if any changes to the car he did say no ). I blame myself for not following through to fully inspect the car. He did say he had the original springs and would return them to me.
I called BMWFS XXXX on XX/XX/XXXX at XXXX and spoke to a rep and explained the above info. She said she would remove the {$200.00} left fender scratch and would credit my back {$400.00} of the XXXX suspension modification. I thanked her for that. She then mentioned that the dealer I turned the car into now owned the vehicle ( they purchased it from BMWFS ) and I should reach out to them to see about the suspension to see if I could return the springs to the dealer and they would waive the fee. I emailed the dealer on XX/XX/XXXXand left a message on XX/XX/XXXX. Which as of XX/XX/XXXX have not been answered by the dealer.
Then on XX/XX/XXXX I receive a bill, now from BMW for XXXX. {$1700.00} in damages and excess wear ( no explanation ) {$350.00} disposition fee ( which I agree with ) and {$180.00} in tax. Where they are getting XXXX in damages is beyond me. I have a statement with XXXX in damages so XXXX magically shows up 30 days after I turn in the car?
I feel like I am being targeted here. On XX/XX/XXXX I was told {$0.00} in damages and wear and tear. Then less then 60 days later I get a {$2200.00} bill. Something does n't add up. BMWFS is talking to me and agreed to waive fees on XX/XX/XXXX. I am waiting to see if I get an updated bill. But the dealer is not returning my calls or emails.
|
| 08/09/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I had a 30 month lease with BMW Financial Services, payment was {$1100.00} a month, which included GAP,. I was never late.
My car was damaged and subsequently totaled out due to additional damage caused at the holding lot by the insurance companies tow truck.
It sat for 2 months in the holding lot, while XXXX, BMW and tow company dealt with the issues. My lease was paid off in full by XXXX, per XXXX and I would not be responsible for the delay while they investigated the issues.
Within 2 weeks, BWM financial sent a final bill with a {$3500.00} balance with very little detail. I requested what the receivable balance included, and those details could not be provided at the customer level due to lease being terminated/car totaled and lease showing XXXX balance. I received a document in the mail based on my phone call, and it was a copy of my lease and the balance again. No detail of Why there was a receivable.
Within a few weeks I got a call from a collection agency for the 'balance '', I explained, great! maybe you can tell me what the {$3500.00} is for. They could not. They never called back nor collected further as they stated they could not validate the debt. Encouraged me to call XXXX and BMW to have them clear the discrepancy. I did call both, XXXX stated they would work with BMW to ensure any monies were paid. And any payments while the car sat in the holding lot, were paid ( as I was told by BMW that they were not paid by XXXX, XXXX stated they did pay them ). Covid caused many communication issues during this time, and I was being patient and figured they needed time due to staffing ( as many companies were shut down ) I never hear another word after this ( it was COVID era of shutdowns ). NO mail, no demand letters. It had seemed XXXX and BMW Financial and resolved the error and issue. Fast forward, XX/XX/2022- I was notified by my home lender that I had a collection on my credit report by BMW Financial. Showing my lease was delinquent, and not paid. I immediately called BMW Financial, because the lease was showing PAID In full / closed on their customer service end. I was escalated a few times, at all the levels I was told different reasons why I owed, And one rep even said, really I can not see what is owed, the file is closed. I am just reading old notes. I have been unable to rectify the issue, BMW Financial still has not sent me any letters of demand. I only know because it is on my credit report. I recorded the final conversation, where the rep stated she could not determine what the monies owed was.
Only rep had any information, he was extremely brash ( like I was a criminal ) and that was about 4 months ago. He stated it was my covid 2 month courtesy lease deferral, but could not determine the other fees and XXXX had paid the loan in full so he just told me to pay it. I said okay, I can pay it during the investigation, but I due to the errors and lack of transparency, could you please delete the lates showing on my credit report. As its showing that I was delinquent, and I was not. I recorded that conversation. To this day my credit is still showing that I didn't pay my lease. The amount on the credit report showing is different that on the document attached. I did pay the deductible. It shows receivables, but nobody could tell me what " receivables '' included, not even the last rep.
|
| 11/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Good afternoon, I have financed two cars with BMW in XXXX and XXXX. I have never been 30-days late with a car payment ever!! I was noticed by XXXX that I had a 30-day late notice from BMW. I do my monthly payments 95 % over the BMW/Mini Automated phone system and there have been times where BMW/Mini Automated phone system doesn't work the voice prompts skips and the payment can not be completed so then I have login into their website. On XX/XX/XXXX I used the BMW/Mini Automated phone system to pay month XXXX payment, however, it was not working the voice prompt would skip I tried several times and BMW customer service dept was closed. They do not have 24/7 customer service. I didn't have my laptop with my so I made the payment the very next day XX/XX/XXXX online. I had the funds in my account to make my payment. I can provide a letter from my bank stating that there were enough funds in my account to cover pay auto payment.
Again, I have NEVER been 30-days late with any of my payments with BMW. I called BMW customer service they said I need to write a letter to the BMW dispute center which I did the letter is in attachment. I told the BMW dispute dept that my payment history has been excellent and never 30-days late. The fact that I made the payment the very next day ( not days or week ) but the next day because of their a glitch in their automated phone system ( BMW will not take any responsibility it ) they made it clear it's all on the consumer. There have numerous complaints from BMW customers that have experienced the same issue with the phone system. BMW does not allow customers to speak directly to the dispute dept. All corresponds are through letters US mail. No human interaction no ability to speak with someone to explain the reality and devastating consequences of a 30-day late notice my credit report. I am good standing with BMW ( payments ) YTD.
I am very responsible about paying my bills, I have XXXX to monitor my credit activity because I was going to response my house. I am a single mother of an XXXX child and have full-time position as a XXXX XXXX XXXX for a XXXX XXXX. I am not unable to quality to refinance my home now. I have worked and dedicatedto make my payments onetime.
However, since the BMW 30-days late notice on my credit report my FICO has dropped 70- points. I had been met with corporate defiance and arrogance from BMW there is 'no benefit of the doubt ' that their phone system was down and/or has glitches. It's just cut and dry. Even-though my payment history has been excellent and never 30-days late. This has caused me an enormous amount stress and for BMW not to look at my payment history as never being 30-days late and putting up the arrogant corporate wall. I have never experienced anything like this before in my life. on XX/XX/XXXX I was told by a customer service rep named 'XXXX : ' " Well Miss XXXX if you had made your payment on time then this wouldn't be happening to you. ' To actually try to shame a customer so I will go away quietly. BMW has history too of being investigated by FTC due to lying about XXXX XXXX warranty parts/coverage, numerous class action lawsuits, XXXX complaints, etc. But it seems BMW take no ownership ( it's the consumer 's fault or someone else ) it's the BIG blame game and it'sdisgraceful.
|
| 12/14/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I entered into a lease agreement on a XXXX XXXXXXXX XXXX at the Mini of Kennesaw dealership in XXXX, GA on XX/XX/2020.
By the end of XX/XX/2020, I received by license plate to my address of XXXX XXXX XXXX XXXX, GA XXXX. However by XX/XX/2020, I had not received any statements ( neither electronic or paper ), welcome kits, payment terms etc.
Through numerous XXXX searches I looked for contact numbers to BMW finance and would be constantly transferred around. To me, I had a very simple questions " When is my payment due date '', " How to I pay '', " What is the web portal to log on to make a payment '', " How come I am not receiving statements ''.
After a couple of transfers on the afternoon of XX/XX/XXXX I connected with a male agent with BMW Finance. He read an address out that was not on my application and one that I moved from months prior ; mail from this address would have been sent returned to sender. I asked him to give him my account number and send me an e-statement to my email.
Here is where things reached a very disappointing and concerning turn of events. Per this agent I was a couple days past due ( between 2 and 4 ) and was delinquent on my loan. He asked questions such as " Did I ask the dealer what my due date was? ", " Did I clarify for the dealer that I wanted to receive statements? ". Not did I have a preference for electrontic statements over paper, no, his point was that somehow BMW is not required to send me monthly statements for my auto lease unless I clarify for the dealer that I wanted statements ( in any format ) and the time of entering into the lease. I tied to explain to him that this can not be correct. I am 100 % sure under Reg Z and the Truth in Lending Act that my issuer is required to at a minimum to provide periodic billing statements. The agent took a stance that this was 100 % my fault for not asking the right questions of the dealer and that he would transfer me if I wanted to make a complaint about the dealer. This is a loan, managed by BMW Financial Services, and there is regulation in place to make sure consumers at the very least have the payment mailing address.
Other than the one statement I asked for via email, I am unsure if I will receive any statements for the future for the loan. Per this agent, that is my fault for not specifically asking. Never in any loans I have entered into before that this preference for statements is a request that must be made.
I attempted to sign on to the online portal and after numerous attempts I am not able to log on. I am attaching a screenshot of their webportal errors. After logging in I am continually asked to consent to E-statements at which point I receive an error message that they are having technical issues. There is a " Continue '' button in the message box that you can not actually click on. I have attempted to access the site multiple times over a mobile device and a traditional PC with the same error. Because of this web portal error, I am unable to see statements, payment amounts due, or make a payment.
So same common theme - no access to my statements or information about my account. After leaving the dealer, I have received zero correspondence from BMW Financial Services ( other than the one statement I requested the agent email me during our call ).
|
| 12/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am writing to dispute the following information that your company supplied to XXXX, XXXX, and XXXX. I have highlighted the item XXXX disputing in yellow on the attached copy of my credit report, XXXX. XXXX, dated XX/XX/2021.
This item, listed on the report as BMW FINANCIAL SERVICES Acct # XXXX, is inaccurate because it listed as seriously past due and was inaccurately placed in collections without written notification of even being late. Upon speaking with representatives on the phone, which they noted on the account and had recorded in the call with me on XX/XX/2021, they confirmed with me that I have USPS Informed delivery which scans every piece of mail that gets sent to me and I had never received any correspondence regarding this matter upon the date they claimed to have mailed me correspondence. Upon discovery that account was in collections, which I had to receive an alert about on my XXXX credit monitor, I immediately called to find out why account was in collections as I was not notified by BMW/XXXX Financial in any way, again confirmed through phone call.
In addition to this I spoke to my co-borrower who oversees the account, XXXX XXXX, and she was told by BMW Financial that it was a bank error that was the cause of any confusion as she had made the payment which closed the account, and it was not applied correctly. Any recorded calls from her should also be used to verify that this account being reported as being sent to collections is not accurate.
There are also multiple calls between BMW Financial and XXXX last year regarding this account, as this car was already returned as per the end of the lease agreement, and the salesperson told her that they would erase this debt to begin with to be able to sell her the new vehicle she is currently leasing. This salesperson was terminated right after the sale, and she was saddled with new debt even though vehicle had been returned and she was promised by the sales department that the charge for going over mileage allowance would be waived, which is the source of this current debt that was already paid in full.
No notice was given to me that the account was even late, which was never the case as it was always paid on time by XXXX XXXX and was current even right before being sent to collections, as shown on credit report. It went from current to collections status within one month. I am requesting that Mini Financial Services have the item removed from all credit reporting agencies as it has significantly affected my credit score, and the ability to effectively run my insurance business by affecting my ability to obtain credit.
Enclosed are copies of my credit report, which proves payments on my account have always been made on time, supporting my request. If necessary, but hoping to avoid, I can provide all USPS informed delivery emails for the entire year proving I never received any correspondence the entire year regarding this account. While I am willing to provide this, if necessary, I am hoping to avoid so as they include scans of my personal mail. Please reinvestigate this matter and contact the national credit bureaus to have them delete/correct the disputed item as soon as possible.
Sincerely, XXXX XXXX XXXX Enclosures : Credit Report dated XX/XX/2021
|
| 09/13/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
In XX/XX/XXXX we leased a vehicle from BMW in the state of NY. My mother is the primary on the lease and I am the co signer on the lease - registration and insurance were in her name. In XX/XX/XXXX, ( my mother ) was admitted to the hospital where she spent 18 days with an XXXX from an inoperable XXXX XXXX due to XXXX XXXX XXXX XXXX XXXX XXXX. My mother was discharged to come home the end of XXXX with not much time to live. Being her daughter I took Family Medical Leave ( FMLA ) from my place of employment to care for my mother with XXXX XXXX XXXX XXXX XXXX XXXX. This was extremely difficult physically, emotionally and financially. From XX/XX/XXXX moving forward, the XXXX progressed and my mother XXXX XXXX on XX/XX/XXXX in a XXXX facility. As coping with the care and XXXX of my mother, exhausting all funds to help pay bills, including the vehicle lease and funeral expenses I have nothing left. I have not been working since XX/XX/XXXX ( FMLA leave ) and became officially unemployed XX/XX/XXXX all of which is no fault of my own. I am currently a XXXX XXXX XXXX receiving state XXXX for health insurance, assistance to purchase food and Unemployment.
On XX/XX/XXXX I contacted BMW financial services to let them know of my XXXX XXXX, sent over the death certificate and also explained my situation. I received an email response through the BMW secure messaging center acknowledging receipt of the XXXX XXXX and " options '' in regards to the lease. None of which I could afford and there were no other alternatives to help in this situation. The only thing I was able to do was to get the vehicle registered in my name and insured in my name which that was in order to keep the account current. I do not have thousands of dollars, no one to assume the lease, and no alternative resources. BMW financial services has not been helpful in any way. Other than offering a voluntary repossession as an option which is ridiculous since the account is current which I have maintained in good faith but this is causing further hardship. My credit is impeccable which is all I have left to my name and would prefer to keep it that way.
Every rep that I spoke to at BMW financial services gave me different answers as well as being transferred multiple times to different departments. This is very frustrating and certainly was not building confidence and trust in the BMW brand. I am very disappointed in the brand and the way the brand treats their customers with inadequate help and determination in special circumstances. I have asked BMW to look at my individual situation and please consider alternate options that are reasonable, which to date they have not been able to resolve other than again a voluntary repossession, get slapped with tons of fees and thousands of dollars owed. Seems that BMW would rather go that route, lose money on the vehicle while their " current '' customer with excellent credit has their credit ruined. My brother XXXX XXXX 5 years ago, he leased a XXXX and they were very accommodating due to the unfortunate circumstances. BMW not so much - and in the future BMW will never have my personal business nor will they ever be referred as a brand to do business with. I am looking to resolve a reasonable accommodation not a voluntary repo!!
|
| 05/10/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I am writing to resolve an accounting/payment issue with BMW Financial Services NA , LLC.
On XX/XX/XXXX I went to BMW of XXXX NJ as the lease of my XXXX BMW 328 was coming to an end in XX/XX/XXXX. After discussing options with a sales person, I decided to lease a new BMW 330 after the sales person stated the lease for the BMW 328 could be terminated early. Monthly lease payments on the BMW 328 of {$430.00} were made from XX/XX/XXXX through XX/XX/XXXX on time via automatic transfer from my bank. The final payment was made on XX/XX/XXXX for XX/XX/XXXX.
I received a letter from BMW Financial Services dated XX/XX/XXXX ( Letter 1 attached ) with the final account statement for the lease on the BMW 328 ( old lease ) for my records. The letter stated no further amount was owed on my motor vehicle lease agreement for the BMW 328. The itemized charges for excess wear and use would reflect the damage present at the final inspection. Remaining payments due were noted to be {$0.00}.
My first payment for the BMW 330 ( new lease ) was made at the time of signing. I scheduled automatic future payments with my bank to begin XX/XX/XXXX. Unfortunately when the first payment ( amount of {$480.00} ) was made, it went to the account for the old lease that was terminated. I contacted BMW Financial Services to explain the error and was told the BMW of XXXX sales office would have to contact BMW Financial Services which was done.
I received two letters dated XX/XX/XXXX from BMW Financial Services : one stating that the misapplied payment in the amount of {$480.00} had been removed from the old lease account ( which was terminated with no further balance due per their Letter 2, attached ) ; and one stating the payment was applied appropriately to the new lease ( Letter 3, attached ).
On XX/XX/XXXX I received a letter from BMW Financial Services ( Letter 4, attached ) stating that a remaining payment in the amount of {$480.00} for the terminated old lease was due. The {$480.00} is the amount paid in XX/XX/XXXX in error to the old lease which had been terminated with no balance due and should have been applied to the new lease and which payment was transferred appropriately per the XX/XX/XXXX letter ( Letter 3 ). Please note {$480.00} is the amount due monthly for the new lease.
I contacted BMW Financial Services on two occasions in XX/XX/XXXX to explain what had occurred regarding the XX/XX/XXXX payment for the new lease. I was told that since the {$480.00} was transferred from the old lease account to the new lease, the amount transferred was now due on the old lease with no additional explanation despite the fact that the old lease account was paid in full.
I have been unable to date to obtain information as to why BMW Financial Services has an outstanding balance of {$480.00} ( the monthly payment amount for new lease ) due on the account for the old terminated lease.
I have received a letter on XX/XX/XXXX from BMW Financial Services ( Letter 5, attached ) threatening to put this account which was terminated with no balance, in collection. I have been notified that the account is now in collection. Despite my repeated efforts to contact BMW Financial Services I have to date been unable to resolve this issue.
|
| 07/01/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I leased a 2021 BMW from BMW of XXXX, which assigned my lease contract to BMW Financial Services. BMW of North America is not a party to my lease.
On XX/XX/2021, I attempted to contact BMW Financial Services regarding a " litigation hold '' they had placed on my account preventing an authorized BMW dealership from paying off the balance of my lease. BMW FS would not speak to me and referred me to BMW of North America, who would also not speak to me, as they indicated I had a " litigation hold '' on my account.
In response, I filed CFPB Complaint XXXX. BMW Financial Services, unwilling to acknowledge that they have allowed BMW of North America to put a " litigation hold '' on my lease account, responded with a response suggesting I attempted to contact them about the car and not my financial services account. I never contacted them about the car, I already know the car is awful. I contacted them about the " litigation hold '' which is preventing my ability to exercise my rights under my contract to purchase the car, return it to a BMW dealership, or trade it in. Again, I want to be clear, since BMW Financial Services is seeking to distort their improper actions, I am not asking to trade the car in at a third party dealer. After providing a letter misrepresenting the nature of my call, BMW FinanciaXXXX closed my CFPB case.
In response, I filed a second CFPB Complaint, XXXX. Again, BMW Financial Services, unwilling to acknowledge that they allowed BMW of North America, who is not a party to my lease agreement, to put a " litigation hold '' on my account which is preventing my ability to exercise my rights under my contract to purchase the car, return it to a BMW dealership, or trade it in, responded with a series of letters.
Also again, these letters seek to misrepresent the facts of my interactions and circumstances with BMW Financial Services. The letters acknowledge that I may pay of my car directly, return it to an authorized BMW dealer, or trade it in. However, what these letters did not state, was that I did take it to an authorized BMW dealer, and that dealer, which has had the car for almost a month, is attempting to pay it off but can not because BMW Financial Services has allowed BMW of North America to put a litigation hold on my account. After providing this misleading letter, BMW Financial Services closed my complaint.
I again make complaint to the federal government. BMW Financial Services has entirely misrepresented every single aspect of my complaints about this lease. I never called them to speak to them about the car, I called them to speak to them about the " litigation hold '' that they had placed on the car preventing me from trading it in at an authorized BMW dealer, an act they acknowledge I am permitted to do in my second letter.
Again, I am asking the CFPB to use its authority over BMW Financial Services to resolve this matter for me. I will follow this complaint up with a call to the CFPB today, since it seems so tough for BMW Financial Services to get their act together and fix this issue.
And we will continue to do this, every single day, until they either fix this problem or the CFPB takes notice of their action.
Enjoy your day.
|
| 10/03/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Called before 8am or after 9pm
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Web |
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On XXXX XXXX, XXXX at XXXX XXXX, XXXX XXXX XXXX with XXXX XXXX came to my home to retrieve a vehicle on behalf of BMW Financial Services. I have video footage that shows XXXX XXXX ringing the doorbell at my home multiple times. In addition, I have a complaint # XXXX from the police as well as their business card and the pictures of the XXXX XXXX standing in front on my garage door and a screenshot of the activity from XXXX XXXX which coincides with the videos. The alarm system at my home is designed to take pictures and video footage of anyone who approaches the front door or rings the doorbell. While ringing the doorbell he had the upper beacon lights on his truck flashing as you will see in the footage. He rang the doorbell at total of three time before I opened the door. During our encounter he was extremely rude and demanded that I open my garage. He stated that " he had a warrant to retrieve a XXXX BMW '' and that he was n't leaving until he had done so. I simply told him that I was uncomfortable with his presence and that it was against the law for him to knock on my door that time of morning. My husband came home, he could not pull into our driveway because the tow truck was in the driveway with the beacon lights still flashing. My husband then proceeded to explain to him that he was in breach of peace and asked him to leave. He began harassing the both of us and threatened to call the police. We asked him to do so. The XXXX dispatcher asked him to leave the premises and he refused. While waiting for the police to arrive XXXX XXXX began to antagonize and harass my husband and refused to move his truck. He removed his glasses and hat, proceeded to bang on the side of his truck saying he would " knock him out and that he had something for him. '' We both stepped away because we felt threatened by the fact that he was implying that he had a weapon. Once the police arrived they explained to him that he could not be at our home at that time of morning and that he was in breach of peace and must leave immediately.
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from a debtor. It also states that, a debt collector may not contact you at inconvenient times or places, such as before XXXX XXXX XXXX XXXX XXXX or after XXXX XXXX XXXX, unless you agree to it. It is also against the law to deceive, harass or threaten.
I have never given any agents from BMW Financial, XXXX XXXX or XXXX XXXX permission to contact me during these inconvenient times. Furthermore, because of this overzealous and over-aggressive gentleman my children were late to school and this unnecessary incident caused chaos in my home. XXXX XXXX broke multiple laws during this encounter, my husband was threatened, he was deceiving by stating that he had a " warrant for the XXXX BMW, '' and was not given permission to contact me or visit my home at XXXX XXXX XXXX XXXX.
I would like a thorough investigation of this incident, as I plan to pursue this to the fullest extent of the law. These unfair practices are not only dangerous but deceptive and illegal and should be stopped.
Sincerely, XXXX XXXX
|
| 10/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
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On XX/XX/XXXX, I sent them a letter disputing about the account reporting on my credit report, I stated the following : Greetings! I recently got declined by many financial institutions for having the charge off on my credit report that is being reported by BMW FINANCIAL SERVICES. I would also like to point out that my consumer information currently is not being accurately reported and is causing injury to my family by not being able to acquire goods and services I need for our home. There was a " Charged Off '' that BMW FINANCIAL SERVICES adversely reported on my credit report as a Charged Off account.
We are both aware that BMW FINANCIAL SERVICES as well as all other businesses lawfully acting in commerce utilizes the IRS form 1099C Cancellation of Debt for the remaining debt obligation not recovered. From my limited knowledge and tax obligations for the year of 2023, such an IRS form is then reported as " INCOME '' and not as a " DEBT '' on a consumer 's tax filing requirements. While the business can cancel/ write off the account receivable '' as a " BAD DEBT '' and receive a tax deduction as mentioned in the IRS XXXX XXXX.
This current issue of BMW FINANCIAL SERVICES furnishing this inaccurate information on my consumer credit report is clearly not only going against the rules of construction in the area of " exclusions '' of " reports containing information solely as to transactions or experiences between the consumer and the person making the report '', This inaccurate information as to what the IRS Publication XXXX defines as " Income '' and not " Debt '' is being furnished to third XXXX data furnishers as well.
Perhaps this is a small oversight that BMW FINANCIAL SERVICES is not aware of and can address quickly at no cost by submitting a request to XXXX, XXXX, XXXX, and XXXX to remove this inaccurate derogatory account from my credit profile since the DEBT has be canceled and reported as INCOME as well as to stop the current injury so that me and my family can continue to prosper just like you and yours.
With that in mind, If for some reason this is not the correct understanding of the " exclusions '' part in the construction of a consumer 's credit report with accurate information and the correct IRS reporting a " Debt '' charged off and reported as " Income '', please let us know with supporting details so that we can be better informed consumers and honest taxpayers.
Please advise at your earliest convenience as to how we can rectify this current situation peacefully. I'm up at XXXX writing this letter and I am really emotionally bothered about this reflecting on my credit as a derogatory report which is defamation of my character and it's starting to affect my mentally at XXXX XXXX XXXX XXXX XXXX If your company fails to respond within a period of ten ( 10 ) days form the date of receipt of this letter, then the account must completely deleted form my credit report, and a copy of such deletion request should be send to me.
Surely blessed are your eyes because they do see and your ears because they do hear.
And until now they have not replied nor delete the account off my credit report.
|
| 03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I have disputed there items with the XXXX - unsuccessfully.
I am XXXX XXXX, and I am submitting this complaint, and then on my own.
BMW Financial, - this complaint is specific, and in regards to your reporting ( XXXX ) mandates for accurate reporting, and investigations to resolve or remove erroneous data on consumer reports.
While life happens, when it does - I ask that whatever being said is complete and then accurate. Reporting - literally, is taking true data from a source and displaying it properly to all interested parties, and especially the consumer itself.
The supporting anchor of this complaint is XXXX, its standards and the XXXX 's request to get data in this format. The additional feedback is based on normal standards of integration from one system to another, calculations built on that data - and the resulting impacts when the technical directives are not followed.
ALL XXXX 's define XXXX as the industry standard. XXXX - or programs whether home grown, off the shelf of that of the CRA - have a standard. The data at the XXXX - its reporting, shared data across credit platforms, is incomplete and then inaccurate.
I am attaching screen shots for you - the DATA FURNISHER - so, that its clear what is being produced and as a result of data you are sending.
( XXXX ) This account is CLOSED -- -- Please note and resolve the following on this tradeline, and across ALL CRA 's you as a DATA FURISHER - REPORT TO : 1. Description of account you send " XXXX XXXX XXXX SERVICES ( CLOSED ) '' 2. Payment/Rating/Balance History was wiped out to inception - you sent it previously - and now its gone and since " 30 '' and should be there to support this tradelines progression and dates published 3. TERMS FREQUENCY - should be NULL - the account is closed 4. Terms Duration - says, 3 ... ..so, if true this account was paid off at month three and BAL equals XXXX XXXX ...?
5. LAST PAYMENT 's ACTUAL PAYMENT is missing, and the PAY/NAL/RAT history is now blank and makes it impossible to confirm its accuracy 6. XXXX XXXX is inaccurate 7. Date of Last Payment - and XXXX XXXX do not JIVE - and when there is an actual balance that was reported 8. Activity Designator -- - is blank, and should not be 8. Date CLOSED is = BLANK/NULL, and can not be - how?
9. Creditor Classification - Unknown, I am sure you report what you are - but its BLANK Delinquency 10. First Reported - can not be true, and because you are mandated to report MONTHLY 11. Then - You, are using comments, to store data when even in lax standards - can never be used in algorithms that calculate a score - let alone something like interest you calculate for consumers daily - you/your users use a dedicated field, not a text box. ( Activity Designator ) 12. The High Credit - Monthly Payment, and then final Balance due are all reported erroneously - there are fields to track them all, but your reporting does NOT share the required - details. Making it erroneous.
In XXXX - well, its XXXX. Your data you send, and as a DATA FURNISHER - is well, inconsistent as in XXXX. Please - FIX THIS TRADELINE so t
hat is is compliant with XXXX, or delete it
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request.
Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA.
The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections.
The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections.
I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request.
Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA.
I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process.
I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate.
Thank you for your assistance.
15 USC 1681 section 602 A States I have the right to privacy.
15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.
15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case
|
| 03/15/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
On Saturday XXXX XXXX, 2017, I purchased a XXXX through Mini XXXX ( MD ). I have Tier 1 credit score and by car and my credit profile qualified for a 1.4 % interest for 72 months offered through Mini/BMW XXXX. However the Finance Director ( XXXX XXXX ) offered me 2.99 % and after I agreed to purchase an extended " Maintenance Plan '' he offered me a " discounted '' rate of 2.4 % for XXXX through Mini/BMW Finance. I later found out from another Mini dealer, that I was eligible for the 1.4 % for 72 months, from Mini/BMW, but the XXXX XXXX /the Dealer never disclosed that to me, even though I asked multiple times.
I also found out that the XXXX XXXX had quoted a price of {$2900.00} for an extended Maintenance Plan ( 6yrs/100k miles ) and then offered to lower the price to {$2500.00} saying he had a {$300.00} margin. I decided to accept the plan based on the information he shared about the actual cost of Maintenance for XXXX XXXX over the 100k miles, if I keep my vehicle. I found out from another Mini dealer who immediately quoted me {$2500.00} without any negotiation.
I emailed XXXX XXXX on Wednesday XXXX/XXXX/2017 about the two issues described above, he called me back and stated that he was under no obligation to offer me a 1.4 % rate which he confirmed I was eligible for, but did not disclose to me at the time of financing. He also stated that he has a {$300.00} margin on the XXXX plan and he will be happy to send me a cancellation form if I wish to do so.
I spoke to the Sales XXXX XXXX XXXX XXXX on XXXX/XXXX/2017 and he too stated that " XXXX XXXX did nothing wrong '' and what I experienced was " industry practice '', he went as far as saying, " every dealer does this ''.
As you can see from the above there are multiple issues impacting consumers of auto lending and auto warranty/maintenance programs which lead to deceptive/unfair practices by either Auto Dealers or Auto Finance companies since there is lack of transparency to the end consumer : 1 ) Mini/BMW website did not disclose their promotional rate of 1.4 % on their website, and Mini of XXXX XXXX did not either. However another Mini dealer in NJ did disclose it and therefore I was offered a higher interest rate by Mini of XXXX XXXX, than I was eligible for given my credit profile and vehicle. Why is n't the dealer required to disclose the mark-up they are putting on these loans? It leaves consumers of auto financing vulnerable to abuse by dealers and their finance departments.
2 ) MINI/BMW sells extended warranties, maintenance plans and other options, however there is no suggested retail pricing available for these additional options, unlike the MSRP for a car, and the dealers are free to quote any price they want. As a consumer of these products, there is no way for me to know what price is a reasonable price, since neither Mini/BMW nor the dealers publish their prices so consumers can cross shop before hand. Thus the market is not transparent. So I had to make a decision on the spot during the financing process, which put me at a disadvantage.
|
| 08/06/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I was behind making my vehicle loan to BMW Financial. On XXXX/XXXX/2015 they repo my vehicle and on XXXX/XXXX/15 i received a Notice of Intent to Sell Vehicle & this notice is dated on XXXX/XXXX/15 and on the Notice it has XXXX options how to get my vehicle back ; 1st.Option-Reinstate ) if i want to reinstate the contract within XXXX days of the date of this Notice i have to pay the amount shown to BMW Financial Services & the payment must in the form of certified funds as follows ; Total due {$3100.00} 2nd.Option-Redeem ) basically pay-off the total loan vehicle {$39000.00}. Okay to make the story short XXXX choose the option XXXX reinstate and i send the funds through XXXX XXXX on XXXX/XXXX/15 for the total due {$3100.00} & i elect the Urgent so that way they will received the funds within XXXX minutes and i called BMW to give them the Tracking # /Confirmation for the funds that i sent through XXXX XXXX to let them know that i am Reisntating my vehicle and if they could let me know when i should be getting it back from their Vendor ( XXXX which is located in XXXX XXXX XXXX ) which i think it is redundant that they do n't have a storage available in XXXX . But the Customer Rep that i spoke with on XXXX/XXXX/15 XXXX said the reinstatement funds that we sent was short it should included the XXXX payment. Which is my XXXX payment is due every XXXX of the month and i know there is a 7 day grace period. So i was shock and upset why he 's telling me a different story i told him if he could refer on the demand letter that we received dated XXXX/XXXX/15 and it clears on the letter we have XXXX days to satisfy the demand letter to reinstate. I asked, XXXX if he can notate that i will be sending the XXXX payment on the XXXX ( end of the month ) since that is payday and i do n't really have additional funds at this time to send the XXXX payment. He said no they ca n't hold the vehicle for me which is just XXXX days away and i will be sending the payment. And i even explained to them the reason why i was late on making my payments due to at my job during summer for the month of XXXX & XXXX we do n't have work and i do n't get paid ( seasonal job ) and if they can be more considerate or work with my financial hardship. They advised, No they are not wiling to reinstate my contract and i even request if i can speak directly to the BMW Collections Manager and review my file. They refused they gave us some reasons that he is in/out of the Office having a lot of meeting to attend and we even gave our number so he can reach out for us or give us his XXXX or XXXX minutes to hear our side of story. But there was no call received and the funds that we sent through XXXX XXXX they said they will return the funds back to us by XXXX also. However we received an email on XXXX/XXXX/15 from them and advised the funds will be mailed by check to us shortly. Please we need help/resolution if BMW did follow the CFPB regulations regarding their Loan Vehicle when your Loan is in Default or if they are in Compliance.
|
| 09/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To whom it may concern, I am writing to file a formal complaint against BMW Financial Services regarding the inaccurate reporting of my account status to credit reporting agencies. Despite adhering to the provisions and protections offered under the XXXXARES Act, BMW Financial Services has reported my account as " payment past due, '' which has negatively impacted my credit score and overall credit history.
In XX/XX/, I experienced financial hardship due to the COVID-19 pandemic. Aware of the provisions under the CARES Act, I reached out to BMW Financial Services to discuss accommodations for my account. We agreed upon a payment that was not late.
To further clarify, I have ensured that all my payments were made on time. If there is any report of a late payment, it is erroneous and possibly due to a technical or administrative error on BMW Financial Services ' part. This is deeply concerning as it not only misrepresents my financial responsibility but also unjustly tarnishes my credit history.
Under Section 4021 of the CARES Act, if a creditor makes an accommodation to a borrower because of the pandemic and the borrower meets the terms of that accommodation, the creditor is required to report the account as current to the credit reporting agencies. However, despite meeting the terms of our agreement and ensuring timely payments, BMW Financial Services has reported my account as " payment past due. '' Furthermore, under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report and request a timely investigation. The inaccurate reporting by BMW Financial Services not only violates the CARES Act but also my rights under the FCRA.
This inaccurate reporting has caused undue stress and potential financial harm. The negative mark on my credit report could hinder my ability to secure credit or loans in the future, and it is unjust given that I acted in good faith, adhered to the terms of our agreement, and ensured all payments were made on time.
I kindly request the following actions : BMW Financial Services should correct the inaccurate reporting immediately and ensure my account is reported as " current '' to all credit reporting agencies.
I would like a written confirmation from BMW Financial Services acknowledging the error and detailing the corrective actions taken.
Any negative impact on my credit score due to this inaccurate reporting should be rectified.
In accordance with 15 U.S. Code 1681i, I request a thorough investigation into this matter to ensure the accuracy of my credit report.
I trust that the CFPB will take this complaint seriously and ensure that BMW Financial Services adheres to the provisions of both the CARES Act and the FCRA. Consumers like myself rely on the protections offered by such legislation, especially during unprecedented times like these.
Thank you for your attention to this matter. I look forward to a prompt resolution.
Sincerely, XXXX XXXX
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX XXXX of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information has violated my rights. 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX XXXX of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This is in clear violation of my rights. This has caused severe XXXX, hardship as well as severe anxiety to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
BMW Financial reported XXXX late payments to credit bureaus for payments not taken from my bank account due to their errors. On or around XX/XX/XXXX, I received a call at my cell phone for the XXXX time from BMW Financial advising me that my account was past due. I was surprised as I have been a client of BMW for almost 20 years and I always setup automatic payments and pay on time. I immediately proceeded to pay the balance in full and the requested details as to the delinquency. It seems that BMW Financial never resume the auto payment after my lease was replaced last year. Moreover, I was never contacted to advise me of the missed payments. I am writing to request that BMW remove the delinquency and late payment from my consumer credit reports for the following reasons : XXXX. The missed payment and delinquency was due to BMW Financial not setting my account for auto payment as it has been for years.
XXXX. BMW Financial never contacted me to advise me of the payments not being withdrawn from my account. Proof is that the date they called me I paid in full and requested re-enrollment for automatic payment same date.
This account was open in XXXX. No payments were taken the XXXX few months as I had a credit by BMW that covers the first few months. As I had always been setup for ACH for for the past 20 years with BMW I was unaware of payment not being made and received no notice at all from BMW about any missing payment. They claim they called me multiple times that is not truth. The only call I received was in XXXX and I returned the call the same date and made payment over the phone as soon as I was made aware that payment had not been taken out of my account as they were supposed to.
I tried calling BMW Financial, but their credit department will not even talk to me. Instead they made me send a snail mail letter ( as if we were in the XXXX 's ). They replied to me with lies and excuses and refused to remove the incorrectly reported payment history, which now affect my credit. I think BMW Financial shall be help accountable not only for reporting late payment caused by their negligence, but for not taking calls from consumers. They can take our money, but do not have the coutersy to take our calls to correct issues that have long lasting effects such credit reporting? This is unacceptable.
Additionally, BMW kept an insurance payout in excess of a totalled car balance. They kept money that shall had gone to me as it was my insurance and the payout exceeded the balance of the lease payoff. BMW got over $ XXXX in excess of the balance owed to them, but they illegally kept most of it. However, they gave me a small credit not cash so I can lease another BMW. So essentially, they stole the equity of the car and the forced to get another BMW to get the credit. This is also unacceptable and shall be investigated.
Now to make things worst they are running my credit for their own negligence.
|
| 01/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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In both XX/XX/2018 and XX/XX/2018 a late payment was reported. It was an exceptionally busy time but the payment for this month was submitted a few days before the 30-day exception. ( See attached documentation ). As a small business owner, it is imperative that I maintain a flawless credit history as it could jeopardize my livelihood and more importantly the livelihood of my employees should I not be able to gain necessary funding for my business when the time arises due to a late payment destroying my credit rating. I fully respect the obligations I made to BMW Financial as with all the creditors who extend me financing opportunities and I have worked my entire adult life maintaining a great relationship with my creditors and I intend to maintain a great relationship with BMW Financial as I am in the market for a new car. A brief look at my account will reveal I have successfully made every payment up to and beyond the reported XX/XX/XXXX and XX/XX/XXXX timeframe which I can prove is in error ( See attached highlighted documents ).
I understand that the monthly billing cycle is a 30 day billing cycle as described in/by the federal Fair Credit Reporting Act ( FCRA ) my loan is financed on such a cycle that runs from the XX/XX/XXXX to the XXXX of each month, with that being said my payments were made within the limit of the following due date before the XXXX of the each of the reported late months as shown in the attached statements. Under the FCBA, a creditor must credit all payments to my account on the date they're received, unless no extra charges would result if they failed to do so. I understand that BMW Financial is permitted to set reasonable rules for making and reporting payments, like your rule that the deadline for payment should be received to be credited on the same date no later than XXXX XXXX. on the due date. My payments were made on the day before and before the XXXX window.
Again, the reported late in XX/XX/XXXX and XX/XX/XXXX payment are negatively affecting my chances of obtaining much needed lines of credit and business banking opportunities that are vital to the success of me as an individual and my company. As you know, my personal FICO score is used in the decision-making process of all business bankings go/ no go decisions to fund and my FICO score has drop over 45 points due to the late payment reported in XX/XX/XXXX and XX/XX/XXXX which pushes me out to tolerated range of lender preference.
I am requesting that you please the reporting error and restore my credit rating by revising the late payment as reported on my three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope BMW Financial Services believes in their customers and I humbly request the correction be made. I have reestablished automatic payments so there is no doubt in payment dates. I appreciate your time and look forward to receiving a favorable decision from your department soon.
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| 07/29/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
Servicemember |
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LETTER TO COLLECTION COMPANY DESCRIBING SITUATION : Dear XXXX XXXX XXXX , XXXX : This is to serve as formal dispute of charges on Original Account # XXXX with BMW Financial Services NA LLC and your Account # XXXX regarding an Automotive Deficiency in the amount of {$14000.00}. This account is invalid, and this is a formal demand that said account be voided and closed with report of illegitimate debt to all credit bureaus effective immediately. BMW Financial Services NA LLC ( henceforth BMW Financial ) negligently handled said account and caused XXXX XXXX XXXX XXXX hardship during the attempted sale of her lease as well as refused to cooperate with XXXX XXXX in her attempts to satisfy the debt therein. XXXX XXXX attempted on multiple occasions to sell the lease on said account through various costly means from her own funds. XXXX XXXX had on numerous occasions contacted BMW Financial to obtain assistance in sending vital documents to the purchaser of said lease account, three separate purchasers, and encountered costly delays as well as poor customer service on part of BMW Financial. This negligent handling of the transactional process cost XXXX XXXX the sale of said lease account on each occasion due to the purchasers not trusting the process. XXXX XXXX was completely cooperative with BMW Financial through consistent communication and follow up. XXXX XXXX, upon seeing that BMW Financial would not assist her in any professional manner regardless of how many attempts she would make to sell said lease account to satisfy her debt with BMW Financial, felt bullied and trapped by BMW Financial ; and therefore, XXXX XXXX turned the vehicle attached to said lease account in at a local BMW dealer as advised by BMW Financial. BMW Financial was only cooperative with XXXX XXXX at that time when they advised her how to turn in said vehicle. This process on the part of BMW Financial led XXXX XXXX to believe they wanted to trap her into doing same. XXXX XXXX cleaned and detailed said vehicle at her own cost and transacted the return with courtesy and professionalism, which was completely opposite of anything she had encountered with BMW Financial. The debt being discussed herein would have easily been satisfied had BMW Financial cooperated with XXXX XXXX on her numerous attempts to satisfy said debt with BMW Financial. BMW Financial should be ashamed of the way BMW Financial representatives negligently handled XXXX XXXX account, continued to harass her through attempts to collect on this illegitimate debt, and smeared her reputation with said potential purchasers and other known associates of XXXX XXXX causing her punitive stress and damages. XXXX XXXX will be forced to take further action with the XXXX XXXX XXXX, social media outlets, news media outlets, as well as legal action if BMW Financial does not void and close any and all attempts to collect on said account as discussed above.
Signed,
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| 08/26/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I leased a vehicle through BMW Financial Services NA , LLC ( " BMWFS '' ) on XX/XX/XXXX. My contract end date is XX/XX/XXXX. Per the contract, the Residual Value with my Purchase Option is {$24000.00}, with no additional fees ( besides taxes and registration fees ).
We want to purchase the vehicle per the terms of the contract. According to BMWFS, new legislation in the past ~6 months now prohibits them from selling a leased vehicle directly to the consumer in Colorado XXXX and ~11 other states ). I live in XXXX XXXXXXXX and went to the only local dealer, and while they were willing to handle the transaction, they indicated that BMW Financial Services would be charging me the {$350.00} Disposition Fee since the dealer would be purchasing the vehicle then selling it back to me. Per my contract, I should not be charged this fee if I purchase the vehicle, but since they can no longer sell me the vehicle directly, the dealer has to purchase it, then sell it back to me, so BMWFS will charge this to me since I am not purchasing it from them. Additionally, the Dealer indicated they would have to charge me a {$290.00} Dealer Processing Fee on top of the {$350.00} that BMW Financial Services would be charging me to process the sale back to me.
Per my contract with BMWFS, I should not have to pay any additional fees. While I recognize the new legislation now prohibits them from selling vehicles directly to the consumer in Colorado, this feels like it is a problem for BMWFS, not for me the consumer ( or the dealer ) since I am still within my terms of the contract. If they are not able to honor the terms of the contract due to the legislation, then they should be paying the dealer handling fees, not me.
I spoke with BMWFS on XX/XX/XXXX, and while they indicated I should not be responsible for the {$350.00} Disposition Fee, they could not provide documentation indicating as such ( besides my original contract ). I had 2 separate BMW dealers indicate that BMWFS would charge me this {$350.00} disposition fee. Additionally, they said they are unable to do anything about the {$290.00} dealer processing fees, since the dealer is charging this, not them.
So I am now stuck either having to drive an hour away to another dealer that might not have dealer processing fees, or, paying the {$290.00} processing fee locally. They offer no option to purchase the vehicle locally at the purchase price per the contract. The person at BMWFS said this is a very common problem since this new legislation was rolled out, but offer no solution besides paying the fees to the dealer.
Before talking to lawyers about a class action lawsuit, I figured I would make sure BMWFS is aware of the severity of not honoring the contracts they have with their consumers and see if they are willing to do anything about it. This should be fixed for everyone in this situation, not just me.
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| 08/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/2014, I financed a pre-owned BMW through BMW Financial Services. I even paid {$2000.00} for an extended warranty on the vehicle. Within 45 days of my purchase, it became evident that I purchased a lemon ; as the transmission went out on the vehicle. I had the vehicle towed to the BMW dealership, only for them to tell me that the transmission was not covered in the {$2000.00} extended warranty I had purchased. I was incensed. To " help me out, '' the dealership offered to take this vehicle back as a trade-in, and if I paid another {$3000.00} down payment, give me another vehicle. I reluctantly agreed. The original auto-loan was rectified through the trade-in, and I financed another pre-owned BMW through BMW Financial Services. Within 2 months of driving the second vehicle, the engine blew. Once again, this was not covered under the extended warranty, and BMW offered no help. It was obvious that they hold sold me two lemons in a row. The only solution they offered me was to pay {$14000.00} to replace the engine. I knew I was being swindled by BMW, and I did not want to continue to do business with that organization. I had already lost too much time and money. I expressed my displeasure to the dealership, and let them know that I was leaving the 2nd inoperable vehicle with them. They told me they understood, and that would be fine. Considering the thousands of dollars I had paid in down payments, extended warranties, towing charges, and other inconveniences ; I assumed the finance contract for this 2nd vehicle was also resolved. After all, they had sold me two $ XXXX vehicles that had become inoperable within weeks of the purchase. A couple of years passed. Recently, I discovered that BMW Financial was reporting this account on my credit report as an unresolved repossession. And furthermore, they were reporting that the outstanding balance was {$16000.00}. That's the full amount left on the service contact when I left the vehicle at the dealership. I am certain that the BMW Financial re-sold this vehicle, and I was shocked to see that they were holding me responsible for the full balance left on the finance contract. I immediately disputed this account with XXXX, XXXX, and XXXX XXXX. I have done that several times now, but BMW Finance continues to say I owe them $ XXXX. I completely disagree with this, and have expressed this to BMW. I suppose that BMW became angry that I disputed this debt, as they have recently hired a nasty collection agency named XXXX XXXX XXXX to start harassing me over this contested debt. As if it wasn't enough that the BMW organization had already swindled me out of thousands of dollars for two worthless lemons, they are now hiring a collection agency to harass me for another $ 16,000+, despite the fact that the statute of limitations has already expired anyway. There is no way this can be legal.
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| 05/13/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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I am submitting this complaint related to actions taken by BMW Financial Services. I have attempted to contact BMW Financial Services Office of the CEO, Office of the President or whatever department that handles escalated customer complaints and not received any response to my complaint.
To close out my XXXX, three year lease I received a statement for {$1700.00}. The charges are purported to support " damages '' assessed for my usage of the XXXX BMW. This is the third consecutive BMW that I have leased and I have never previously been assessed any amount above normal wear and tear.
The question that I have not been able to have BMW FS address or explain is why the end of lease statement does not list " any credit '' related to the XXXX miles under the allotted ( and paid for ) XXXX miles limit. If the discrepancy was a few XXXX miles I would not have an issue. However, the fact that the vehicle was returned with XXXX miles fewer than anticipated, does by all true measures of an automobile 's worth, add value to the vehicle in question. Why does BMW Financial Services choose not to recognize this fact when assessing the car 's condition and the related end of lease charges?
It seems BMWFS 's end of lease process is not focused on assessing the actual condition of the vehicle but creating an unregulated revenue stream by charging exaggerated fees and not applying any eligible credits.
During my prior lease, XXXX BMW 528i, I also received an end of the lease statement balance. That balance due was significantly higher than the XXXX lease end amount. I was assessed {$2900.00}. The largest amount ( {$2300.00} ) was for excessive mileage ( {$0.00} per mile ). A review of BMWFS records will confirm that I paid the XXXX end of lease statement promptly, in full and without question.
There seems to be an imbalance between the way BMW Financial Services views the value of miles when a customer goes over their limit and when they are well under the mileage.
As a customer who has purchased or leased XXXX BMW automobiles in the last ten year span I expected professional customer service from BMW Financial Services even though I chose to end my nine year leasing relationship. In fact, I am still a BMWFS customer on another vehicle unrelated to this complaint. However, BMWFS has not XXXX contacted me about this matter or make any attempt to justify or explain their actions. This total lack ofconsideration toward a long time customer was an eye opener and has prompted me to conclude to never utilize their services again.
I believe that BMW Financial Services is not dealing with the situation of my XXXX lease fairly and consistently in how they review the value of mileage related to end of lease charges.
I request an escalated review of this matter and a revised end of lease statement reflecting the appropriate mileage adjustment.
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| 11/04/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Servicemember |
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response to complaint XXXX XX/XX/2019 ATTN : Customer Correspondence XXXX XXXX XXXX XXXX, OH XXXX To follow up to the CFPB complaint on XX/XX/2019 : 1. I have been receiving BMW information to my XXXX XXXX XXXX XXXX XXXX, CA XXXX for more than a year since it was changed when I moved to XXXX XXXX XXXX from XXXX XXXX in XXXX, CA XXXX.
2. In your complaint response BMW claims they sent a response and yet that is addressed to my old address. Can you explain why this single piece of mail was addressed to a more than 1 year old address? It is very odd that a critical piece of mail responding to my complaint was sent to an address I hadnt lived in for more than 1 year, despite receiving both the requests for the $ 2000+ and the post lease 3rd party inspection were sent to my correct XXXX XXXX XXXX XXXX XXXX Address.
3. I have the right to get a post lease inspection and the results when I return the car. I am allowed to have an opportunity to fix this before the charges are applied. I most certainly had time to conduct an inspection and had brought my car there for that purpose. In fact I first came in earlier that morning without an appointment and returned later in the day for that purpose.
4. I sent two more subsequent letters to BMW Financial services XX/XX/XXXX and XX/XX/XXXX with no response.
5. I also placed additional phone calls to customer service XX/XX/2019 and XX/XX/2019 to discuss why I had gotten no response. They had no way to verify the status of written complaints and I was told to continue to wait.
6. You place a disputed amount into collections I will also send copies of the letter and the CFPB to the collection bureau as it has clearly not been resolved I am formally disputing this charge and also with the collections agency you place it with, because I was not notified during the end of lease inspection and I had the original wheels and was told dont worry everything looks good and I insist that BMW financial work with this dealer and XXXX in XXXX who I bought this from, to accept the un-used rims for this car.
To accept my vehicle, take the profit from selling it, and then say they have no responsibility with the inspection or accepting the wheels because they didnt originate the sale, is not acceptable. I will also be looking to move into formal arbitration as I have all the documentation of when I tried to contact BMW, the different responses and excuses received from both the dealer and BMW financial services and the illegal attempts to move a debt to collections during this dispute.
I will also be sending complete copies of the phone records, letters of complaint as well as this complaint to the collections bureau listed as I am formally disputing this and BMWs management of this dispute thus far.
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
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| 02/28/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Fraudulent loan
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Web |
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This is a dispute of the consumer against BMW Finance Services NA LLC, XXXX XXXX XXXX XXXX, XXXX XXXX BMW, XXXX XXXX BMW and XXXX XXXX XXXX XXXX as well as all named parties including XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I am writing this complaint in good faith. I discovered billing error ( 15 U.S.C. 1666 ). I realized that I was not in honor while using debt to pay a debt. I am to use my extension of credits. I know that the has a dividend check attached. Some disclosures were kept from me. I realized that credit was extended to me and taken or held in an unfair, fraudulent and deceptive way. I realized the whole lease contract is in question and that securities fraud appear to exist in this relationship between myself and XXXX. I may choose to bring suit against XXXX and the responsible parties who signed the security exchange commission forms ( XXXX, XXXX, etc. ). I also found several violations of securities act of 1933 as well as the securities exchange act of 1934. I would most likely have to request an audit via IRS. I found violations of not only securities violations, but also identity theft, mail fraud, language fraud as well as numerous federal and state violations against myself. I know according to law i have the right to rescind on a fraud contract. Law states no adverse actions can be used in retaliation of a billing error complaint.
The law states that there is no limit on contract fraud. I know according to law that I may file a complaint with the CFPB, Attorney General, Comptroller and the FTC to retrieve remedy.
Based on the amount of fraud found in what appears to be a one party contract agreement with no equal exchange.I no longer give BMW Financial the rights to keep the proceeds and want all my securities. I feel i was discriminated against under the Equal Credit Opportunity Act and Consumer Credit Protection Act as well as deceived by the use of unfair and abusive practices.
I would like documental evidence of who the co-signer signed for if not for spouse.
I would like to see original copy of application, promissory notes, any and all documents with and without my signature pertaining to our relationship stating with credit application and not limited to transfer agreements of securities, notes, etc. ) I would like proof of origin of funds and credits.
I would like to receive and keep the title, mco and you may not have security interests as I have already given you a security.
I would like a true bill because I realized that I have only received statements of interests and credits due to me. I would like all credit, a return of all previous payments, proceeds, down payments, full value of property and finance charges electronically transferred to my bank account or via check.
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| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I was horrified to learn that BMW reported my account as a collection for the month of XX/XX/XXXX. I paid off the lease in its entirety in XX/XX/XXXX and returned the vehicle accordingly.
On XX/XX/XXXX, I received an alert from XXXX XXXX credit monitoring indicating that I have a new derogatory collection reported by BMW. I immediately reached out to BMW, and was informed that there was an unpaid final bill that resulted in a collection account being reported to my credit a year later!!!
Please note, I was NOT notified in writing by regular mail, nor via a phone call that there was an outstanding bill or about BMWs intent to report me to collections.
Had I known that there was an outstanding bill, I would have paid it on the spot, as I had done on XX/XX/XXXX when I learned of this bills existence. Please reference my prior payment history with BMW ( attached ). I paid a total of XXXX of timely and early prepayments on multiple BMW vehicles in the last 2 years. Please correct the negative reporting as BMW failed to properly notify me that there was an outstanding bill.
I spoke to a BMW supervisor by the name of XXXX, on XX/XX/XXXX between XXXX am and was informed via that phone call that BMW sent me ONE email in XXXX of XXXX. THIS EMAIL WAS NOT RECEIVED, and thus I had no idea there was such a bill. BMW failed to notify me properly of the bills existence, and failed to notify me that they are intending to transfer me to collections. The BMW supervisor admitted on the phone that there was NO NOTIFICATION from BMW indicating that they are intending to transfer me to collections. Upon consulting with my attorney, I was informed that a company is supposed to notify a consumer of their intent to transfer their file to collections. THIS WAS NOT DONE IN MY CASE!
I have been a customer for many years, and have prepaid multiple BMW vehicles. Please see proof of prepayment for this vehicle, my wifes and daughters vehicles respectively. I am requesting that this collection reporting be removed immediately as I was not given a chance nor an opportunity to pay it in a timely manner. I would expect that BMW would have the decency to reach out to a customer who prepays all his cars in a timely fashion and has never been late in the many years of doing business with BMW. However, apparently that courtesy wasn't granted in this case.
I am requesting the correction of this account immediately, as the bill was paid as soon as I learned of its existence.
Please note a proof of prepayment for multiple vehicles. Also, please note a screenshot of all the emails that were RECEIVED from BMW. There is no record of the email referenced by the BMW supervisor. In addition, there are NO emails whatsoever referencing an outstanding bill.
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| 02/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Hello. I purchased XXXX BMW XXXX ( XXXX ending XXXX ) from XXXX XXXX XXXX on XX/XX/XXXX. Total amount that have been financed ( by BMW Financial Services, account ending XXXX ) {$94000.00}. During a car purchase XXXX purchase also XXXX protection. On XX/XX/XXXX comprehensive damage occurred. XXXX XXXX XXXX decide that it is a total loss claim and issued XXXX checks to the lender, that have been cleared on XX/XX/XXXX ( per XXXX XXXX XXXX, claim # XXXX ) for the total amount of {$73000.00}. During the XXXX XXXX XXXX claim process I contacted XXXX insurance in order to check step for the process. They said that claim will be opened automatically as soon as XXXX XXXX XXXX will close their part and pay to lender. XXXX claim have been initiated on XX/XX/XXXX ( claim # XXXX ) on the amount of {$18000.00}. XXXX XXXX issued credentials for their portal to me, where I found requirements. They asked me to upload some documents and I did. However, XXXX of the document : XXXX XXXX have been rejected. XXXX XXXX have been prepared by XXXX XXXX XXXX company and I upload it into XXXX XXXX so many times. However it still rejected. I called them many times but XXXX associates mention that XXXX XXXX doesn't meet certain requirements. And didn't clarify what these requirements are. On XX/XX/XXXX I got email from XXXX XXXX XXXX XXXX associate with request to contact them regarding my GAP claim. I reply back, and asked who is this company because my GAP agreement was with BMW. They said that XXXX XXXX XXXX is actual GAP insurance company and I have to call and talk to them. I called them, they said that the problem is in amount in XXXX they got from XXXX XXXX XXXX and the actual checks that have been issued. I asked them if they can provide any documentation to me, copy of checks, anything, they denied my request and said I have to contact XXXX XXXX insurance. I called XXXX XXXX XXXX and talk to them again, they confirmed all previous information and mention that both checks have been cleared on XX/XX/XXXX. On XX/XX/XXXX I got email with letter from BMW Financial Services that my due balance {$18000.00} and I need to make payment immediately. On XX/XX/XXXX I initiate conference call between XXXX XXXX agent, me and XXXX company. XXXX XXXX XXXX representative again confirmed all information, all numbers and dates and sent XXXX XXXX again directly to emails that he had for them. XXXX agent refused to provide any contact information for management, or adjuster/investigator who work on my claim, and said they don't have phones.
Till this day nothing changed. I'm trying to find a solution on that situation.
All documents and email chains contain my personal information. I don't upload it right now, please let me know if I need to do so.
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| 08/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I requesting the help of the CFPB and the United States Government to help protect me from the fraud and criminal acts in which BMW Financial Services is manipulating the COVID-19 pandemic to charge for false and unsubstantiated fees while not meeting with me in person to inspect my vehicle, but sending a bill 100 % false claims and having their customers service representatives serve no value if standing behind fraudulent claims.
I feel completely helpless throughout this entire process. I leased a XXXX vehicle, took meticulous car of the leased vehicle, including having the XXXX dealer perform every service / maintenance, including purchasing all 4 brand new tires from the XXXX dealership during my lease on XX/XX/XXXX. As you will see per the attached documentation, I returned my lease approximately XXXX miles later, while having BMW Financial Services charging me for another 4 brand new tires ... this is simply fraud and should be considered a criminal act committed by BMW Financial Services. At the end of my lease, I was informed that I would be charged a fee if I chose to not continue leasing a XXXX vehicle. In order to avoid paying a fee, I decided to stay with XXXX to lease another vehicle ( which I did on XX/XX/XXXX ). On XX/XX/XXXX, I returned the XXXX lease ( that was due on XX/XX/XXXX ) and moved forward with a new lease for a XXXX vehicle. The lease of the new vehicle went extremely smooth and I could not be happier.
Leading up to returning the XXXX lease and on the day I returned the vehicle on XX/XX/XXXX, I was informed by BMW Financial Services that due to COVID-19 inspections could not be scheduled and that I would just need to return the vehicle to the dealer and they would conduct the inspection at a later date. As recommended by the dealership, I took pictures and video of the meticulous condition in which I returned the XXXX vehicle to the dealership.
Per the attached documents and phone calls with the BMW Financial Services, they have completely false and outlandish claims that there is {$1400.00} in glass damage, the car requires a new bumper, requires 4 new tires, windshield sensors and additional maintenance in which all totaling an amount due of {$4700.00}. Upon the CFPB receiving my attached document and pictures, you will clearly see how this is fraud. A company in the United States of America should not be able to continue doing business upon being proven guilty of such fraud. This is an outrage and blatant case of fraud during a time that the entire population feels helpless due to COVID.
I am attached pictures of the XXXX the day I returned the vehicle to the XXXX dealership. I have a video that I can also share upon aligning on how to share it with the CFPB.
Thank you.
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| 10/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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This issue is against BMW Financial. My daughter has moved out and she does not need the car so I requested a lease end option as I am already struggling with finances. My husband took early retirement due to XXXX XXXX so he lives in meager XXXX XXXXunds. I called BMW and explained the situation so they offered to buy the car and BMW sent an inspector who sent in the results and BMW informed us by phone that the car will sell for more so we only owe the disposition fee of {$350.00}. When they sent the offer letter they sent it to an account other than mine but to my daughter 's email. It should have gone through MYBMW secure center. They never sent any letter regarding the offer to my email address which is on the file as the main account holder email. As a result, I received the letter late from my daughter. She assumed I had the letter too as the loan is under my name. BMW changes its statements every day. They either tell my daughter, is authorized and another day, they tell her she is not authorized. I have added her 5 times. They use her whenever it is convenient.This time, they did not send me the offer letter to my email or my secure BMW account and because of that confusion, the offer expired. when I called them to resent it, they came back with an offer to pay off with that {$7000.00} payment. They told me the other offer expired. I told them that I never received the letter. They refuse to go back and honor the same offer as I never received the letter on time. They told me to always write through my BMW secure center, yet they do not practice that rule. They are sending emails all over. They told me that my daughter asked to send the email there but I told them you should still send it to me as we are never sure if she is on or not. When you call to confirm, they use my email as the email confirmation yet they break their own rule to send an offer letter to her and to the main account holder. For the last 8 month, every day, it is a different issue. They never write back. Today I talked to a supervisor and complained that why do n't BMW use MY BMW secure center as all lending organizations so today she listened to me and just she sent me another letter. Now she is telling me to pay the whole residual of {$42000.00}. All calls we make are recorded an on the account so you will understand my struggle. They never write but say things over the phone. They can erase records to control themselves.Is there any solace for the customer. My dispute is-I want the same offer letter to be sent to me via the correct email account which is mine. They confirmed my email account many times and yet decide to use my daughters for the offer letter.
Is n't this unfair, deceptive practices??
Thank you XXXXXXXXXXXX
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| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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On XX/XX/XXXX, I totaled my XXXX purchased with financing through BMW financial. Up until that point all payments were made on time and in full including an additional payment for the month of XXXX. Upon learning my vehicle was totaled and having purchased GAP insurance, BMW financial reached out to me and made a statement that they would take care of filing the GAP claim once my insurance settlement had been paid. In working with my insurance, I was able to find three separate payments made from XXXX to BMW financial all for a greater amount than what BMW financial would accept as the true value of my car. Around XX/XX/XXXX I was contacted by a debt collector telling me I had an account balance of $ XXXX with BMW financial which was never settled. Upon contacting, BMW I learned that my GAP claim was never filed and I was told they had no intention of filing the claim despite the initial promise in the letter I received. So working with the debt collector that called me I spent months contacting the XXXX dealership where I purchased and BMW financial to try and resolve this issue and track down the GAP insurance paperwork they had lost. Throughout this entire ordeal someone within BMW was updating my contact information ( phone number and address ) to information that was not my own and I complained about it repeatedly because I was not receiving any notifications from them. Some months working with the debt collector we were able to track down the contact information for the GAP claim company which was next to impossible because it was run by a XXXX dealership. The GAP insurance paid BMW financial on XX/XX/XXXX, XXXX.To my knowledge at this point my account had been terminated in XX/XX/XXXX yet somehow my credit report was adversely affected on XX/XX/XXXX, to show the account was in collections from XX/XX/XXXX with no communications aside from corrupted data emails which I notified them that I couldnt view several times. The account had a balance of a little more than XXXX $ and no one could identify why it had a remaining balance upon talking to all agents I could I was told by each of them that there should not be a balance. Frustrated with the entire situation still not knowing what these mystery charges was for I offered to pay them in exchange for the remarks being removed from my credit report. BMW financial refused my offer despite not being able to identify the source of the charges and admitting it looked like an error and has been denying my disputes with the credit bureaus with our providing any documentation or evidence to support their claim that I owe them still and have failed to provide notification of my owing them a balance despite the letter they sent me guaranteeing that they would.
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| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Thursday XX/XX/XXXX Re : XXXX XXXX XXXX Delinquent Account Dispute To whom it may concern XXXX Recently, my fiance and I purchased a XXXX from your organization and due to the changing dynamics of our family we were forced to trade it back in. This was my second BMW and her third and I would consider us enthusiasts of BMW. This recent experience has left us less than happy as far as how long this mistake has endured.
Let me illustrate it for you : We, XXXX XXXX and XXXX XXXX purchased a BMW XXXX from the BMW dealership of XXXX on XX/XX/XXXX. We financed through BMW financing and had no problems acquiring financing nor paying our bills in a timely manner as they were on auto pay. Personally, my XXXX XXXX was XXXX and had not changed in years. As I stated, we had to trade the car on XX/XX/XXXX. As this was very close to our XXXX withdrawal, we specifically asked our BMW XXXX how to proceed and they stated that we should suspend autopay and they would take care of it. As of XX/XX/XXXX, we no longer had the vehicle in our possession and the autopay was suspended.
It was then several months before we noticed anything. Just from habitually checking our credit scores, we noticed we were hit very hard with a reduction in our standings. It was related that we had a delinquent status reported from BMW. After several calls to the dealership and BMW XXXX, it turns out that that BMW of XXXX failed to mail the check and appropriate paperwork in time. Also after several visits to the dealership, which is an hour away from my home, we were finally able to acquire some help from XXXX, the local dealer representative who stated that it was the dealerships responsibility and he would assist us with the dispute.
About XXXX month ago, it seemed resolved. Our credit scores each jumped, although not ENTIRELY back to prior, within XXXX points. XXXX or XXXX weeks went by and suddenly our scores were hit again and then again, dropping them further than prior. I called BMW XXXX and apologetically lost my temper a bit with a gentleman but through a few calls determined that I needed to specifically resolve this dispute via written correspondence drafted from me personally.
Now you have said correspondence and I have also included letters of attestation corroborating our side of the dispute. It is nearly XXXX XXXX year since leaving the vehicle with your companies. Your own employees have stated that the responsibility was theirs, internal disputes were submitted and now you have your personalized dispute in hand, I would like to see our XXXX XXXX return to their prior status. Please. Both my fiance and I have been enthusiasts of your beautiful vehicles for years and I hope for years to come.
Respectfully, XXXX XXXX XXXX
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| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to express my frustration and concern with XXXX and XXXX, two major credit reporting agencies, for their negligence in handling my credit report. For many years, I have been dealing with an incorrect credit report, and despite my efforts to rectify the issue, it has persisted, causing significant financial harm.
Upon reviewing my credit report insight, I noticed that the summary indicates that I have been 98 % paid as agreed on my accounts, but there is one negative account on my credit report. However, there is no indication of which account is negative, leaving me in the dark about why my credit score has decreased. I have contacted XXXX multiple times to request information about this negative account, but they have been unable to provide me with any information.
As a result of this error, I have suffered financial pains for the past five years, losing thousands of dollars due to higher interest rates. This error has caused me significant stress and anxiety, and I am no longer willing to tolerate it. I believe that the negative account may be related to a dispute I submitted regarding an account with BMW Financial five years ago, which had an erroneous late payment due to early termination and insurance loss. I am adding them to this dispute, as this might be an issue related to them but can not explain why XXXX is correct but XXXX and XXXX are reporting wrong.
On XX/XX/2023, I reached out to XXXX again to request help in finding the discrepancy in my credit report, but the representative I spoke with was not empathetic or helpful. They simply told me that they would send me a report and that I should indicate if something was wrong with it. Additionally, I was told ( erroneously ) that this could be caused by MyFICO, which I ended up getting a membership to prove it has nothing to do with them as they are not a credit bureau. I added the report in a reduced format ( as the original document is over 20 Mbs ), as it indicates an issue with the BMW account previously mentioned.
Anyways, I received my credit score via mail on XX/XX/XXXX, and the same error was present in the report summary, despite my previous request for assistance.
I have also submitted a complaint report to the Federal Trade Commission ( ID : XXXX ), but I am hoping that the Consumer Financial Protection Bureau can also intervene on my behalf to ensure that this issue is resolved quickly and effectively. I am seeking your assistance in correcting this error and restoring my credit score to its rightful place. I have a reference number for my previous interaction with XXXX, which is XXXX.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX
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| 08/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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On XX/XX/2018 I inquired about a vehicle from XXXX XXXX, XXXX XXXX. I told the sales person XXXX that my credit union was giving me an 8.49 interest rate " Oh I can do better '' said. The car I wanted at first all the sudden became " unavailable ''. I don't know why, so by the time I left they had given me a XXXX month payment at a really great rate. I returned on the XXXX to pick up the car EVERYTHING HAD CHANGED. I WAS LIED TO AND MISLEAD. I wanted my car registered in XXXX where I primarily reside, I was told they could not sell me a car unless I surrendered my XXXX DL and registered the car at the address I was residing in XXXX and plus it would cost me XXXX more to register in XXXX. I LATER FOUND OUT FROM THE STATE OF XXXX AND XXXX ALL THAT WAS A LIE. Since I have complained to numerous managers there, they are refusing to fix a driving mode change and another button on the console they have just left me hanging, I have only had the care barely a month, I told them about this timely and I purchased an additional warranty. The got my title and registration WRONG AND REFUSE TO CHANGE IT THOUGH THEY CAN SO I HAVE TO CANCEL MY VACATION AND DRIVE TO XXXX AND RESOLVE WHEN THEY CAN DO IT AND REFUSE. I DON'T SEE THEM TREATING ANY OF THE CAUCASIAN CUSTOMERS THEY WAY I HAVE SEEN THEM TREAT MYSELF AND OTHER XXXX AMERICANS. They did not fill out my paperwork for any tags and registration, A XXXX XXXX from Sales department literally chased me down in the community on Sat. XX/XX/18 to have me sign papers for my tags, title registration and I ask then to have it for XXXX he said I had to sign those FIRST for him to resolve anything I did, he was to get back with me on XX/XX/18 he did not. These ppl have lied so much I can't keep up now I am stuck with not being able to get tags because the paperwork has not been done. They charged me XXXX for this service to make sure done timely and right, AND IT WAS NOT, I WANT THAT MONEY BACK CAUSE I GOT PAY DRIVE TO XXXX CAUSE THE CAR HAS TO BE THERE PHYSICALLY TO RESOLVE. I AM XXXX ON XXXX XXXX AND THIS IS A GRAVE HARDSHIP FOR ME. THEY ARE JUST DOING WHAT EVER WITH NO PROCESS AND NO COMPETENCY AND THIS HAS GOT TO BE A PROBLEM NOT REGISTERING MY CAR PROPERLY. IVE BEEN DRIVING FOR OVER A MONTH AND DON'T LEGALLY OWN THE CAR FOR REAL, THEY GOT THE MONEY AND I AM STUCK. I left messages for the owner of XXXX XXXX a XXXX XXXX, General Sales Mgr. XXXX XXXX and Asst Service Manager XXXX XXXX. I have not hear back from anyone as we speak and IM TIRED OF CALLING THESE LIARS!!!!. I SHOULD BE ILLEGAL FOR THEM TO PRACTICE THIS WAY. I DON'T BELIEVE THEY DO THEIR CAUCASIAN CUSTOMERS THIS WAY.
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| 07/29/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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We had a lease XXXX XXXX with BMW Financial Services, which we were making all our payments on time. Then the car was part of a XXXX which XXXX XXXX considered a " XXXX XXXX '' and they were paying BMW Financial for the vehicle. This was around XXXX XXXX XX/XX/XXXX time frame. I never heard back from BMW Financial from that day on. So in XX/XX/XXXX, we returned my wife 's XXXX XXXX lease to the dealership, and on XX/XX/XXXX we received our final billing of the lease which I called in the same day to pay off, after paying off my wife 's lease with XXXX, the representative asked if I was interested in paying off my other lease, I told him I did not have a lease with XXXX, that my XXXX was owned by me. He said there was a balance due for the XXXX XXXX that was totaled in the accident. I total him that XXXX XXXX paid it off, and he replied that their was still a balance for overage of mileage and lease turn in fees. I asked why no one called me, or emailed me, or sent a letter, he told me that a letter was sent out in XXXX, and I told him I never got it. I asked if it was sent certified mail or by XXXX or XXXX, in which he stated was just regular mail. I said ok, well what is the balance and paid him that day in full. I decided to pull my credit report and noticed that BMW financial reported to my credit bureaus agencies that I missed over 12 months of payments, and my account was in collections. Now how can some company report that I missed payments without sending me a bill each month? Or any type of letter of the debt I owed? XXXX is saying they sent a letter, but have zero proof of this letter being sent, no tracking nor certification of delivery. In read some credit laws, I thought New York and Florida laws stated a creditor must send their clients a bill at least quarterly of the debt owed to them. I never even got one letter but they said they did just 1 letter, plus my account was sent to collections but I never got a call, email, or letter of a collection going on.
I think BMW Financial Service has the responsibility to show their clients actual proof that they sent a bill, invoice, or letter of the debt to their customers, and not by show us a copy of the letter. There is zero proof it was mailed and zero proof that I received one. I never missed a payment in my life and now this is affecting my credit score. I tried going through credit bureaus and better business bureau and XXXX response is they sent a letter once and its a courtesy if they want to contact me about a past due balance. If that is true, then how can they report missed payments each month to the bureau.
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| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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On XX/XX/2022 I was looking to buy a car from BMW XXXX XXXX XXXX. I had already had a pre-approval through my bank XXXX XXXX. I was told all I had to do was give the dealership my reference number from my pre-approval and everything should go smoothly. For the car I was buying Sales XXXX XXXX XXXX assisting me and I told him that everything is all set and ready to go all he had to do was call XXXX XXXX and give them my reference number and I told him I was approved for up to {$47000.00}. He asked me to file out the application I said okay but please only send to XXXX XXXX Only. He asked if it was possible that they could get me a better deal was okay and I told him no I only wanted my credit ran through my bank since I am already pre-approved. My mother was in attendance on the call and heard me say that. I also have text messages and email to back this up. Later that day XXXX XXXX XXXX gave me a call stating they where still trying to work things out with XXXX XXXXXXXX and I asked for clarification and what they approved me for and all he replied was well thats what I am working on. Then hung the phone up after. The very next day I wake up to credit alerts from XXXX XXXX stating that my credit in total have been pulled more then XXXX times from different lenders I never asked for loans from. I called back up to BMW and sent a email stating I would like to know what on Earth happened as I did not authorize or approved them to reach out to these other lenders. I only want to use XXXX XXXX. Once I finally got in contact with XXXX XXXX XXXX he begin to talk to me rude and down on me stating Well Capital One said they will not approve you for {$47000.00}. I asked well what did they approve me for and he told me {$40000.00} and well if you want the car, youll have to put XXXX down. Do you have XXXX to put down?. I ignored his comment and asked why do you have my credit pulled with other lenders I never gave you permission to send to and he said well you werent approved with XXXX XXXX. So I called XXXX XXXX and spoke with them and I turns out BMW never used my reference number and just sent XXXX XXXXXXXX a new application instead. They denied the new application because I was already approved for XXXX. When I called the other lenders to get them to dispute their inquiries and file a complaint about BMW I was told I would have to call back the dealership since they are the ones that requested it. I called XXXX XXXX XXXX and told him I have proof and a paper trail that I never asked him to send my information to those other lenders he said no we can not do that its already done oh well.
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| 01/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX I purchased a new BMW XXXX XXXX. The car was financed by BMW Financial Services. I have never missed a payment but I have taken advantage of XXXX payment deferrals and XXXX Covid related deferrals, totaling 8 monthly payment deferrals. Since around XX/XX/XXXX, I've been paying my payments through the XXXX XXXX with the exception of a couple times. Earlier in the summer of XXXX, BMW Financial claimed I was 90 days late. That surprised me but I thought well maybe I am, and I paid additional monies towards my loan in an effort to bring it more current. In XX/XX/XXXX, I received a letter from BMW Financial stating my loan had matured and I had an outstanding balance of more than {$10000.00} and that payment was due at once. This is in the peak of the height of used car values skyrocketing because of the chip shortage from Covid and manufacturers weren't able to produce new cars. My immediate thought on the letter was that BMW XXXX is acting in a predatory manner to wrongfully repossess my car because its value was approximately twice what I owed on it. The letter claiming my XXXX payment has to be more than XXXX times my monthly payment. Even though I thought I had this letter straightened out, and continue with my monthly payments of {$920.00}. I go to make my payment in XX/XX/XXXX and my debit card wasn't working. I call to make the payment and the representative, XXXX tells me my payment is 152 days late. This was impossible because I'd been making my payments all along. Before calling to make my XX/XX/XXXX payment, I had initiated buying a house and was in the process of getting a mortgage and discovered some errant reporting on my credit file by BMW that I was more than 90 days late. When I made the XX/XX/XXXX payment I also requested XXXX to get the information at the credit bureaus corrected. She had already identified the problems behind my payments being late as being made through the XXXX XXXX as being received but not applied on the dates by the App. I called yesterday to check on the status my request for the corrected credit bureau information. I spoke to XXXX, XXXX, XXXX, and XXXX. They all refused to provide me answers and released the calls. Today, I called and spoke with XXXX. He at least wasn't defensive and did listen. But nothing had been updated with the credit bureaus and even though I'm making regular payments I'm still continuing to be late day-by-day. I have every reason to believe BMW XXXX is acting in a predatory manner and making every attempt to fraudulently repossess my vehicle. I need CFPB to intervene to protect my rights.
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| 04/21/2022 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I sent on XX/XX/XXXX a dispute. A verification of accounting. Company failed to respond or contact me about my dispute. I talk to an agent. Agent failed to acknowledge my claim just ask for a payment with out verification of my dispute. My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against BMW Finacial Services, for committing identity theft. I have never given BMW Financial Services, any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with BMW Financial services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving BMW Financial Services right to collect on this alleged debt.
I have never received any documentation requesting validation from BMW Financial Services, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If BMW Financial Services, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until BMW Financial Services, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and BMW Financial Services, continues its collection efforts, I will file for litigation for actual damages caused and BMW Finacial services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 11/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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On XXXX XXXX, 2015 I faxed to BMW Financial services Collections department, the Death Certificate of XXXX XXXX ; Probate Court Order naming XXXX XXXX as Heir of the Estate of XXXX XXXX ; and a Power of Attorney for XXXX XXXX, appointing, XXXX XXXX as the Executor of the Estate of XXXX XXXX XXXX. On XXXX XXXX, 2015 I called and spoke with an associate in the Collections department who confirmed the receipt of the above-referenced documents. BMW Financial Service by and through its collector, disregarded the court order by withholding details of the account and refused to provide the Pay-off amount or the status that this account was past due and up for repossession. However, I was advised that I could ONLY make a payment and then BMW Financial Service 's legal department would contact me with payoff amount. I made a payment for {$6000.00} to buy time until the legal department contact me as advised by BMW Financial. However, no one from BMW ever contacted me and two weeks later, on XXXX XXXX, 2015, the car was repossessed. I called BMW Financial Services to inquire why was the car repossessed. I was told that my bank draft was returned by my bank as " Account not found ''. My Credit Union suggests that no draft ever was submitted as it would still be identifiable as none from BMW shows in their records. BMW Financial Service states that, I was not called because of privacy laws with the Decendant ( XXXX XXXX ) and no one was appointed as Executor or Attorney. I spoke with XXXX of BMW Financial Service Repossession Department, who explained to me that the legal documents submitted were insufficient because the BMW Financial Service assumed the Power of Attorney was for XXXX XXXX. Which was and has never been the case. ONLY after I asked XXXX to read the documents closely, BMW Financial Services acknowledge the XXXX County, Texas Probate Court Order listing XXXX XXXX as the Executor of The Estate of XXXX XXXX XXXX. Not until AFTER BMW Financial Services repossessed the car did they provide Payoff amounts or cooperated with and acknowledge the Executor to settle this debt ( in full ) and take possession of this heirs property. Nonetheless, the Estate has been damaged in additional costs of approximately {$1000.00} in additional repossession fees and costs to pay this loan off and it was all because of BMW Financial Services negligence by NOT contacting the Executor with regard to payment being returned, by not providing status of the loan as required by the Court Order, by not providing the Estate the benefit of paying this loan in full on XXXX XXXX, 2015
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| 05/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- High-pressure sales tactics
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Web |
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My problem is best described by 3 things. High-pressure sales tactics, problem with additional add-on products or services purchased with the loan, and changes in terms mid-deal. I was misled into a different and unfavorable loan by deceit and high-pressure sales, mid-transaction. I purchased a certified pre-owned XXXX from XXXX XXXX on XX/XX/17. The dealership is located in XXXX XXXX, FL and I reside a 4 hour drive away so the deal was negotiated via phone and email prior to XXXX. I was approved for a 60 month loan with an interest rate of 1.9 %. When I went to sign the loan paperwork, the finance manager began up-selling me several different warranties. His misleading statements affected my decisions and have a material impact that will cost me an additional {$1700.00} in interest. I assume these UDAAP violations are a result of his desire to make a commission. This finance manager greatly overstated the cost of future maintenance and tires, quoting them at {$600.00} per tire and {$1900.00} for a brake job. He pressured me into the add-on warranties and policies of 1 ) maintenance for {$2400.00}. 2 ) Wheel/ tire for {$1400.00}. 3 ) Protector policy for {$590.00} and 4 ) dent wizard for {$980.00}. He up sold me for a total of {$5400.00} which he added to the loan amount. Because of this additional and unneeded expense, he suggested we modify the loan to 72 months which had a higher interest rate of 2.9 % to keep my monthly payment lower. I agreed because I wanted the more manageable payment. Once I arrived home, I began looking through my paperwork and discovered that I was never provided a copy of the maintenance policy. I contacted my salesman who emailed the policy to me. I also researched the maintenance/ service expenses and found the quotes I was given to be extremely overstated! Within 3 business days of my purchase, I contacted the finance manager to cancel these add-on warranties. He stated that they were non-refundable which I later learned was untrue. Not satisfied with my dealings with the finance officer, I contacted the Finance Director at XXXX XXXX. He was able to cancel the warranties and said a refund check will be sent which I am yet to receive. I asked him if we could apply those funds back to the loan and modify the loan back to 5 years at 1.9 %. I was told the loan was already funded and it was too late to make modifications. This finance manager, who works on commission, lied to me affecting my decisions and it will cost me {$1700.00}. I need this loan modified back to the original agreement please.
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| 02/16/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On XX/XX/XXXX, I purchased a 3 year / 36,000 mile lease on a new XXXX XXXX XXXX with 2 additional lease protection items : BMW Tire & Wheel Protection with cosmetic repair, and, Excessive Wear & Tear Protection.
I purchased my lease through BMW Financial Service at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, PA.
My down payment was {$7300.00}.
The additional costs of the Tire & Wheel protection package was {$1500.00} and the Excessive Wear & Tear was {$1700.00}.
On XX/XX/XXXX, I ran over a pot hole that caused significant damage to the driver 's side front tire.
On XX/XX/XXXX, XXXX XXXX XXXX informed me that the damaged tire would have to be replaced, and was covered by the Tire & Wheel Protection plan ( subject to a {$50.00} deductible ), and that my other 3 tires would have to be replaced as well, at a cost of roughly {$1400.00}.
As of XX/XX/XXXX ( when my vehicle was towed to XXXX XXXX XXXX for repair ), the mileage on my vehicle was XXXX miles.
My vehicle and/or tires are defective.
I have less than 10k miles ( in 17 months ) and I am expected to replace all of my tires because of damage to 1 tire.
My 3 year lease includes 36,000 miles. If I have to replace all 4 tires, every XXXX miles, that is {$4200.00}. Adding that cost to the cost of the protection package ( {$1500.00} ), then the costs for tires alone, over the term of my lease is {$5700.00}.
BMW NA advertised my new vehicle lease through BMW Financial Services, as " No-cost maintenance ''.
Spending {$5700.00} for tires over the course of my 3 year lease is significant cost, not " no-cost ''.
XXXX XXXX XXXX took off the cost of 1 tire 's replacement, so my bill for 2 tires + {$50.00} deductible was {$730.00}.
I have contacted BMW NA and BMW Financial Services and have not received any appropriate responses.
While BMW NA did not manufacture my tires ( XXXX did ), they did manufacture my car, and the tires that came with my car were at their discretion, not mine. BMW NA and BMW Financial Services have deceived me into purchasing defective products with no recourse other than to fulfill the terms of my 36 month lease.
Defective products and false advertising were offered to me with no suitable recourse other than to continue paying exorbitant charges and fees on said defective products.
BMW NA and BMW Financial Services ( my lease agreement ) are behaving irresponsibly and acting in bad faith.
It is not appropriate for a " new vehicle no-cost maintenance '' 3 year lease to incur {$5700.00} in additional costs for tires. It is unacceptable.
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| 11/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Dear Sir or Madam, I would like to submit a formal grievance against BMW Financial Services as it pertains to the timely payment of my auto loan.
I financed a new car through BMW Financial Services on XXXX XXXX, XXXX.
On XXXX XXXX, XXXX, I received an email from BMW which welcomed me back to their company, and suggested that I sign-up for paperless billing statements, and re-enroll in easy pay ( automated ACH drafts ). I did both. I also changed my billing date from the XXXX of the month to the XXXX of the month. BMW allows you to change your billing date 3 times throughout the life of the loan. Confirmation of my easy pay enrollment, and billing date change are attached to this grievance.
BMW sent me an email on XXXX XXXX, notifying me that my account was past due, but instructed me to ignore the email if I had made payment arrangements. In my mind, payment arrangements were made, because I changed my billing date to the XXXX.
On XXXX XXXX, XXXX I received another email from BMW requesting that I contact them immediately about the past due balance of my bill. I spoke to XXXX and then escalated my call to a manager named XXXX.
The agents informed me that I was indeed delinquent on my account, and needed to make a payment that day in order to avoid a late charge. I tried to explain to the agents that the automated IVR system explained to me that a payment would be drafted XXXX XXXX. According to them, my payment was due on XXXX XXXX.
Here is my complaint : regardless of whether or not my payment was due XXXX XXXX, or XXXX XXXX, because I was enrolled in auto-pay, BMW holds the responsibility to debit my account on the due date. BMW failed to do this, therefore my account became delinquent, and had I not intervened, a late charge would have been imposed.
At best, BMW has created a poor customer experience. At worst BMW has engaged in illegal activities as stated in sections 1031 and 1036 of the Consumer Financial Protection Act which prohibits a covered person or service provider from engaging in any unfair, deceptive or abusive act or practice. 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ( B ).
The activity is unfair because the late charge could not have been reasonably avoided even though I was enrolled in auto-pay 36 days before the payment due date.
The activity is deceptive because I received conflicting information from BMW regarding auto-pay and changing my billing due date. If I am enrolled in auto pay, payment should have been attempted on the due date.
Sincerely, XXXX XXXX XXXX
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| 11/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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On XXXX XXXX, 2015 I purchased a XXXX BMW 528i from XXXX BMW of XXXX through their " Owner 's Choice '' finance program. Before visiting the dealership, I researched the lease specials available and intended on leasing a vehicle ; in fact, until I spoke with the Finance Manager, all payment terms discussed with the sales representative and sales manager were, as I understood, lease payments. After we came to what I felt was a satisfactory payment amount, I was sat with the finance manager who explained the " Owner 's Choice '' program to me. He explained that the differences between " owner 's Choice '' and leasing were : -The vehicle would be titled in my name, allowing me to reap tax savings should I trade the vehicle in-Instead of a residual, there would be a balloon payment at the end of my 36 month termI work in Consumer Banking Compliance and specialize in Consumer Lending, so I had a solid understanding of everything that was explained and decided to move forward. I elected to go with a XXXX mile per year lease as I was under the impression that I would be able to purchase miles during the term of the loan at a discounted rate ( I believe {$0.00} per mile as opposed to {$0.00} is what BMW charges lease customers ).
I contacted BMW Finance and attempted to purchase additional miles and was informed that I could not do so with the " Owner 's Choice '' program ; the rep stated this option was only available for lease clients. I feel that this is unfair : the " Owner 's Choice '' program is something unique to BMW, and consumers have no reasonable means of understanding the nuances of the program other than through the dealership staff and loan documents. I reviewed the loan documents thoroughly and it does not state that customers can not buy additional miles before the end of the term at a discounted rate, as you can do with a lease. Had I known this at the time of origination, I would have chosen XXXX miles per year. I feel this is a UDAAP, and I can only imagine how many other consumers have been blind sided by the failure of disclosure by BMW. Most consumers are not nearly as familiar with the complexities of consumer lending as I am, and I feel that at a minimum this major difference needs to be both explained to the consumer at origination and documented. Being able to purchase miles during the term of a lease adds a great deal of flexibility to the lease transaction, and that flexibility has been taken away from me by BMW and I will suffer financially as a result.
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| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b.
XXXX XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report.
XXXX XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report.
BMW FIN - This is paid as agreed and should not be reporting negatively on my report.
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate.
BMW FIN XXXX XXXXXXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all.
XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.
XXXXXXXX BMW XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.
BMW XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.
BMW FIN SVC - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.
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| 07/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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This is a follow on to the previously made CFPB Claim Number XXXX, i : have attached the correspondence with them through CFPB.
BMW Financial seems to admit it is a racket, i.e. the financiers at BMW knowingly finance material misrepresentation and outright fraud at BMW of North America.
There is not even an attempt to contact BMW of North America by BMW Financial when outright fraud has been presented to BMW Financial. i : don't see BMW Financial sending my verified claim to BMW of North America, LLC., even though BMW Financial Services , by their own admission, finance cars from BMW of North America , LLC .
This seems to be BMW Financial Services ' admission that is a racket, i.e. BMW Financial Services knowingly routinely finances fraud committed and perfected on American consumers which has further damaged me economically.
The very least BMW Financial Services should have and could have done, was to forward my claim to BMW of North America, LLC. or stop financing BMW of North America, LLC. until BMW of North America, LLC. furnishes ample relief to me based on their material misrepresentation to me to lure me into leasing a car with fabricated and false advertisement [ i.e. XXXX when the car does not even provides for half of that mileage advertised on the car ].
BMW Financial Services must forward my claim to BMW of North America, LLC. within 10 days, if in fact, BMW Financial Services is not working in a racket to steal from me working in collaboration with BMW of North America, LLC. Otherwise, that is ample and additional evidence, that it is a racket and both BMW Financial Services and BMW of North America, LLC. are liable for additional financial damages to me based on the racket they admitted to by failing to act when on repeated notice of outright fraud and misrepresentation, etc.
CFPB must also penalize BMW Financial Services, following the 10 day cut off date for failure to remedy BMW Financial Services ' error -- to wit : BMW Financial Services must not be rewarded to be able to continue to finance outright fraud presented to consumers for luring consumers into buying or leasing cars from BMW of North America, LLC. by material false advertisement.
This is precisely one of the main mandate of CFPB, to wit : protecting consumers from the same type of financial fraud committed and perfected on the People of this Republic by said perpetrators -- BMW Financial Services forming a racket with BMW of North America, LLC. to cheat consumers.
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| 03/21/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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After filling Chapter XXXX Bankruptcy, Alphera Financial Services/BMW was notified. I maintained communication with the company in an attempt to renegotiate the car note. My payments were timely prior unforeseen medical hardship. I inquired about having XXXX notes wrapped to the end of the contract and was successful. In XX/XX/XXXX, I attempted to get the vehicle refinances in-house and via other finance companies sources. Meanwhile, agents from Alphera called me relentlessly on a recorded line despite my demands the agents to cease and desist. I was told that I would continue receiving calls until payments were brought current. I removed my phone number from the online account but calls continued. I sent 8 emails but calls continued. In XX/XX/XXXX, XXXX an Account Manager in Collections transferred me to the finance department and I held for 2 hours until I hang-up. Calls continued to commence on a regular basis. On XX/XX/XXXX at XXXX, I spoke with XXXX on a recorded line however he did not identify that the call was being recorded. I asked for the mailing address for the company however he refused and hung-up abruptly. I located an address online for both XXXX and XXXX, I sent both companies a certified letter asking to cease & desist and offering to voluntarily surrender the vehicle. The letters were received by the same individual. On XX/XX/XXXX, I spoke with XXXX, Account Manager in Collections again to renegotiate my car note. I informed XXXX that I held for two hours when she transferred me to finance. I managed to get the refinance done online but the note was increased, although I attempted to get it reduced by Alphera in-house. At which time, I informed her that I needed to surrender the vehicle. In a threaten tone, XXXX firmly told me that calls may continue, if I surrender the vehicle it would be sold at auction and the debt would be placed on my credit until the full amount was paid in full. In XX/XX/XXXX, XXXX fro XXXX showed up at my house late one night, outside of normal collection hours, blocked my driveway and persisted to harass residents by ringing the doorbell numerous time to retrieve the XXXX. On XX/XX/XXXX at XXXX, a rep from XXXX came to my house. On XX/XX/XXXX at XXXX, another representative came to my house ringing my doorbell claiming to be someone with an alarm company but there was a tow truck present.
Note : Proof of Phone Calls, Correspondence and Surveillance pictures of the repo reps from XXXX available upon request
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| 02/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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My husband and I purchased a XXXX XXXX XXXX from XXXX of XXXX on XX/XX/XXXX. I contacted the Dealership to cancel the Tire and Wheel Warranty, completed and submitted the paperwork to the dealership on XX/XX/XXXX. Per XXXX XXXX the Finance Manager the paperwork was complete and was submitted to the vendor to process the cancellation. When I called the dealership to follow up, I kept getting the run around or no response to my messages. Once I was able to contact the vendor, I was told that cancellation of the warranty had been processed and funds were sent back to the dealership on XX/XX/XXXX. For the next few months, I made numerous calls and emails and at least 3 trips to the Dealership to try and get answers. I was told that the cancellation was processed but that it just hadn't appeared on my account yet. I reached out to XXXX XXXX, the sales person for assistance with trying to reach XXXX XXXX XXXX, the Finance Manager. All I got from XXXX was a bunch of excuses about the problems they were having with their change in ownership which now had become our problem. On XX/XX/XXXX, I received an email from XXXX XXXX see attached ) confirming the cancellation and that it should appear on my next statement. On my 3rd trip to the dealership in XX/XX/XXXX, I asked to speak to the Sales Manager. XXXX XXXX XXXX XXXX XXXX, the Sales Manager again offered a bunch of excuses and promised to follow up. I was told that they had received the funds from the vendor but didn't know where the money was. My last communication from XXXX was an email on XXXX XXXX again trying to demonstrate to me that the problem was with the accounting dept from the previous owner. And they were trying to figure out how to get the money back from the previous owner before they credited our account. Again not sure why their accounting issue was our problem. If was obvious that the statement from XXXX that the credit was going to appear on my next statement was a lie because they were trying to get the money from the previous owner.
It has been almost 6 months and this issue has not been resolved. I have checked my XXXX acount numerous times and it still has not been credited for the cost I paid for the warranty or for the interest I have continued to pay on this warranty even though the warranty was cancelled on XX/XX/XXXX. I am beyond frustrated. I want the {$1800.00} for the warranty that I never used to be credited to my account along with the interest I have paid since XX/XX/XXXX.
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| 04/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is my last step before filing a lawsuit on XXXX XXXX XXXX in the XXXX of Virginia.
Multiple disputed all documented XXXX XXXX XXXX failed to follow procedure when processing a dispute. They've complete disputes early without actually verify if the information was correct. I've been denied credit cards and loans for this misinformation. It has cause me great stress in my life trying acquire new credit. The information is simply not correct and needs to be corrected or removed. No one should have information being reported differently on all credit reports from the same creditor. When a consumers credit is pulled they are pulling all 3 credit reports and if things don't match up then you may have a problem. For years XXXX XXXX XXXX has been ruining my credit with these ploys. I've taken major steps to repair my credit and they are now a block in the way. I paid debts that were reported correctly if I owed that company and the validation is accurate.
XX/XX/2021 Sent to XXXX XXXX XXXX a Factual Base Dispute consisting of errors placed by their company against me. XXXX refused to update the information to maximum accuracy. XXXX XXXX XXXX accused me of using a credit repair services when I have wrote these letters by myself. I will include the 30+ letter that I have used to send XXXX and XXXX XXXX This letter goes over every possible error that I thought I could find, that is causing great harm to my person. I've included proof behind every error. I've sent it to each credit bureau so they can all correct the errors. My intention is to pay all my debts, remove any negative nark against my name, and protect my identity. I also give Equifax and Transunion any Authorization again CFPB be my witness. I will include all copies to identify me. 1 See, e.g., 15 USC 1681e ( b ) ( requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual about whom the report relates ) ; 15 USC 1681i ( requiring a consumer reporting agency to reinvestigate upon receiving a consumer dispute ) ; 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( prohibiting a furnisher from furnishing information that it knows or has reasonable cause to believe that the information is inaccurate ) ; 15 USC 1681s2 ( a ) ( 1 ) ( B ) ( prohibiting the furnishing of information where the consumer has notified the furnisher that the information is inaccurate and the information is in fact inaccurate ). https : XXXX
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| 10/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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This complaint is with reference to the non-performance of the extended service contract purchased for my new car from BMW North America : Vehicle ID Number : XXXX XXXX BMW XXXX 6 year XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) BMW sold me the platinum service contract when I purchased it through their BMW XXXX XXXX, CA Dealership. Additional services for car detailing interior and exterior body was paid for and added to the service contract by the finance manager of this dealership and was financed as part of the car loan sold by BMW. As a customer purchasing a new car and platinum services, BMW did not make me aware that some of these services may be dealer specific add ons being sold to unsuspecting customers.
On XX/XX/XXXX just 2 days prior to expiration of this XXXX XXXX sold by BMW Financial through their dealership, I asked that interior and exterior car detailing services be performed through one of the nearby BMW service dealers ( XXXX, CA ). The above local service dealership refused to perform this additional services claiming it was not part of the original XXXX XXXX contract.
I reached out to representatives of BMW Corporate at XXXX : XX/XX/XXXX : Ms. XXXX XX/XX/XXXX : Ms. XXXX XX/XX/XXXX : Ms. XXXX A case manager was assigned to ensure that these additional services that was sold by BMW dealership at XXXX XXXX in XXXX is honored. A case manager XXXX XXXX called and emailed me on XX/XX/XXXX while I was traveling for a week. I tried reaching her at the number she gave in her email ( XXXX ; extension XXXX ) - that phone extension does not work ( I asked BMW to call this number and verify this fact ). I emailed twice ( XX/XX/XXXX, XX/XX/XXXX ) but no one from BMW is responding.
BMW is selling additional services through their dealerships which are not being honored. Specifically, local BMW dealerships sell add-on services misrepresenting them as belonging to an established extended services contract ( 6 year XXXX XXXX ) and BMW dealers are not honoring such paid-for services.
Under consumer finance laws of the USA, selling such services and not honoring them is a breach of contract and gross misrepresentation by the BMW company by allowing their dealers to sell additional services under the guise of their brand to unsuspecting customers.
I demand BMW immediately honor their commitments to the services their dealership sold me and complete interior and exterior car detailing I had requested before the service contract expired.
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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This is existing complaint that was closed and I was locked out could not respond.
XXXX I attempted to pay the payment before 30 days. You show on your system PROOF that I tried 6 times! How dare you not change my credit. I have paid over the phone for almost 2 years nothing was wrong with my account. It was your system. I tried to pay with a rep due to the automated problems but you were closed and you know that I attempted to pay before the 30 days you say It in your response. Number 2. The reason I did NOT pay sooner. I did call Bmw financial services and a rep told me to wait to pay my payment after my car accident/flood Incase the car was a total loss, conversation was in XX/XX/XXXX or XXXX. Your calls are recorded listen!. Your response is incorrect I did not end up having a total loss and its out right disrespectful telling me I should try sooner to pay my bills. But your Road side assistance took 2 months to refund me towing expenses that are supposed to be included in my lease agreement. This was twice the amount of my car payment. You owed me money!! This is the XX/XX/XXXX late. I will never ever buy a bmw! Im buying a home and you ruined my credit! This company is discriminating who they want to help. I have spoken to the Cfpb and they have provided me with legal resources which is going to be the next step if this is not taken off. This is the last time Im speaking to Bmw Financial to change all lates on my credit. I have sued a company in the past and won XXXX for discrimination. Im not playing with Bmw. You think you can mistreat people and get away with it. Your reps call back recently and sound like robots! Always making excuses saying road side assistance has nothing to do with your company when its BMW! You keep ignoring this fact when one effected the other. Someone was supposed to call me from road side assistance they didnt!
My other issue later in the year the pandemic My mother caught XXXX I could not make the payment being in XXXX the phone dials out in XXXX but it does work in XXXX but you probably cant see the issue. I DID call. Knowing Im in XXXX due to my mother catching covid your company is heart less and choose who you want to help during a pandemic. I know some one who has received help from Bmw that is why Im saying this! Stop fighting your customers and help them. I will not stop until this is off. Im very upset now reading the lies in your first response by XXXX XXXX have someone else review it.
|
| 04/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
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Web |
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On XX/XX/XXXX I came to a dealer of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, I purchased a car for {$27000.00} a XXXX XXXX serial no. XXXX. After signing the installment contract at XXXX XXXX the very next day which would be XX/XX/XXXX I came into the dealer to exercise my right to rescind the contract within XXXX hours of the signing this contract after I noticed that the dealer and the co-conspirator XXXX Financial Services committed appraisal fraud. During XX/XX/XXXX I came into the dealer to speak to the finance manager and informed him that I was exercising my right to rescind the loan he informed me that I could not rescind the loan because it was funded. I then insisted that the law was clear that regardless of the funding I had XXXX hours by state law to rescind the contract they then started harassing me regarding rescinding the contract and the deal and to prove that they were wrong I went to XXXX and got an appraisal on the car that they sold me and the appraisal offer was {$14000.00}. I am victim of predatory lending, appraisal fraud and a victim of being denied my right to rescind a contract within the XXXX hours that the law provides. The refused to follow the laws that are in place to protect consumers. As a consumer I have the right to rescind the contract and also when I spoke to XXXX XXXX XXXX he informed me that that right was not available to me because the loan was funded. I then informed him that that was a violation of the law, and he ignored my request to contact management regarding the appraisal fraud and the right to rescind. I will be providing a copy of the installment contract, the retail buyers order and a copy of the XXXX Appraisal. I also contacted XXXX financial services, and the letter dated XX/XX/XXXX they basically said they took an assignment of the contract and that is completely wrong because they funded the loan and they would not provide me a copy of the appraisal or the loan value guidelines to fund this loan. What I have here is a dealer that is violating the law and victimizing consumers and its coconspirator XXXX Financial Services engaging in this type of consumer victimization. In their correspondence they provided me a summary of the XXXX Used Car Guide regarding the XXXX XXXX adjustment values, that report on the bottom it said appraised value item XXXX in other words they went to a website and printed a value sheet and attached it to the correspondence sheet.
|
| 08/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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BMW XXXX Financial Services, by means of deceptive trade practices, wrongfully repossessed the vehicle from the representative of the Estate XXXX, when, I, XXXX, contacted BMW Financial to request payoff balance for the vehicle. Only until I wrote a letter to XXXX XXXX, President and Chief Executive Officer, BMW XXXX Financial Services, XXXX XXXX, did BMW XXXX Financial Services acknowledged their mistake by their misinterpretation of the XXXX XXXX Texas, Probate XXXX XXXX Estate Affidavit and Court Order for the Small Estate of XXXX XXXX XXXX. Nonetheless, XXXX XXXX XXXX wrote me back and in his letter dated XXXX XXXX, 2016 ( see attachment ), XXXX XXXX apologized for the negative experience and customer service experience that I, as the Representative of the Estate experienced. Additionally XXXX XXXX advised me the repossession fees, in the amount of {$470.00} would be reimbursed to me, XXXX XXXX XXXX the fees as I paid with certified in my name and referencing the account number of the deceased.
However, when I received the check ( see attachment ), it was made payable to the decedent, XXXX XXXX XXXX and not myself. I wrote BMW Financial XXXX and once again I included the Probate Court Documents and further requested, by and through designated powers as being the Representative of the Estate, that the check be rewritten and made payable to : XXXX XXXX XXXX on Behalf of the decedent. As advised by my attorney previously, I have done this type of death notice and request with XXXX XXXX XXXX XXXX Bank and a few other companies holding any and all personal property of XXXX XXXX XXXX, to release such property should be transferred to the rightful Heir/Representative of the Estate of XXXX XXXX and it was successful.
A letter dated XXXX XXXX ( see attachment ), 2016 XXXX XXXX, Special Accounts Team Leader, wrote back saying, " We are unable to send refund to anybody other than the account signers ''.
This is in clear disregard of Texas Probate, Estate and Heirs ' property law. Among other Texas Deceptive Trade Practices law violations to issue a check to a deceased person, knowing there is NOT an XXXX Bank account as it is not necessary for XXXX Estate Administration in Texas. This is just another deceptive trade practice that BMW XXXX Financial Service has issued a refund with NO intentions or good faith of making good the fund distribution to the Estate representative for Estate settlement purposes.
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| 11/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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I purchased a XXXX XXXX on XX/XX/XXXX from a XXXX dealer and financed it through BMW Financial Services. My first payment of {$670.00} isn't due until XX/XX/19. On XX/XX/2019 I made my first payment of {$750.00} expecting the extra amount to go towards principal reduction. Instead, the extra amount of my payment was showing as a credit towards my next payment. I called BMW for an explanation and she said that it does go towards my principal reduction. I don't understand how it will go towards my principal reduction AND be a credit towards my next payment ... that doesn't make sense they would give me a double credit for that amount. That doesn't help pay down the loan and reduce my interest cost, but it helps BMW though.
On XX/XX/19, ( first payment not yet due but still made ), I made an additional " other '' payment ( from the BMW drop down payment menu ) of {$540.00}. After this principal reduction posted, I noticed that {$470.00} went towards principal reduction but they applied {$69.00} towards INTEREST. I called again and they told me that interest still accrues daily on the loan and that was the charge. The daily interest is part of the monthly payment which I already pre-paid. So now BMW is charging me interest for the month with my regular monthly payments AND charging it AGAIN when I make a principal reduction. I don't understand how I can pay off my loan sooner and save interest. If I continue to pay extra on my loan the way BMW is charging me, I will wind up making all my payments with interest plus additional interest on my extra principal reduction payments. I'm being penalized for trying to reduce my interest cost. How can they charge interest for the principal reduction when the next loan payment isn't due until the end of XXXX now.
As a result of this unfair practice, I have started the process of refinancing this XXXX loan with my credit union that I have financed vehicles with in the past ( and applies my full principal reductions the correct way ). However, with this new loan last month from BMW, and the credit inquiry from BMW and with my trade in being paid off, my credit score has dropped enough where my interest rate on my new refinance loan will be 4.58 % which is higher that my 3.99 % rate with BMW. It is not fair that I have to refinance to get away from BMW 's unfair lending and pay a higher rate because of THEIR actions. This isn't right. I didn't do anything wrong.
|
| 12/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
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Web |
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This is in regards to " BMW FINANCIAL SERVICES NA , LLC '' only.
A complaint was filed on XX/XX/2020 ( Case XXXX ) against " BMW FINANCIAL SERVICES NA , LLC '' along with " XXXX XXXX XXXX XXXX, XXXX dba XXXX XXXX '' " BMW FINANCIAL SERVICES NA , LLC '' was served on XX/XX/2020.
" BMW FINANCIAL SERVICES NA , LLC '' retained attorney " XXXX XXXX XXXX '' or " XXXX '' who is the owner of " XXXX XXXX XXXX '' Law firm.
On XX/XX/2020 XXXX contacted me and left me a voicemail.
Since the beginning XXXX is trying to confuse me and thinking she is an owner of a Law firm so she knows it all and I was born yesterday.
When she contacted me on XX/XX/2020 she away told me to dismiss the case, but one needs to have a common sense that I prepared a case, filed it and then served it, took all the pains, not to dismiss it.
XXXX is trying to be over smart, she behaves naive at lot of times as if she doesn't know anything and then other times she behaves as if I was born yesterday and doesn't know anything.
On XX/XX/2020 she offered me {$2000.00} to settle the case and on XX/XX/2020 I agreed to that amount.
After I agreed to that amount, XXXX stepped back and saying that her client is not agreeing to the amount and specially after the arbitration hearing.
Now the arbitration hearing was pertaining to " XXXX XXXX XXXX XXXX, XXXX dba XXXX XXXX '' or XXXX, what is " '' BMW FINANCIAL SERVICES NA , LLC '' s business in that?
Who XXXX is trying to make a fool of? To me or herself?
I had a arbitration agreement with XXXX not with " '' BMW FINANCIAL SERVICES NA , LLC '' I would request the court to please ask XXXX of stop making a fool of me and speak to me directly and rationally about the matter. If she is an attorney doesn't mean other people are fool.
She was the one who asked from the court not to include " BMW FINANCIAL SERVICES NA , LLC '' or " XXXX XXXX '' in Arbitration as " XXXX XXXX '' finds arbitration to be too expensive and difficult of a process. After she asked the court not to include " '' XXXX XXXX '' in arbitration, she is trying to make me a fool as if " XXXX XXXX '' is associated with XXXX in the Arbitration clause. If that is the case why XXXX doesn't ask the court for an arbitration for " '' XXXX XXXX ''?
I also emailed XXXX on XX/XX/2020 to call me and discuss and she hasn't given me a call yet, its been 6 days.
I want BMW FINANCIAL SERVICES NA , LLC to look into this matter.
|
| 04/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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Hello, This is in regards to the BMW of XXXX, MA service center installing a faulty radiator in my car XXXX which they have admitted to in writing ) and are refusing to fully compensate us for the damages.
Attached you will find the emails, texts, service order invoices, time stamped and dated screenshots of my cars warning lights after multiple consecutive failed service diagnosis regarding the same radiator issues, a independent diagnosis from XXXX confirming the smoke and engine damage were possibly coming from the damaged radiator, and a invoice for the real damages fromXX/XX/XXXXXXXX BMW in Maryland.
My compliments to XXXX BMW for diagnosing the smoke/engine failure issue within just a few hours of dropping off. As you can see in the notes of the service orders I had asked BMW XXXX to diagnose the smoke smell and same issues over three consecutive services, which they did not! XXXX BMW immediately called us and said our car was no longer safe to drive on the highway.
This means BMW of XXXX let my fianc and I drive away in a unsafe car after charging us thousands of dollars for service that never fixed the issue, yet completely damaged my engine which I serviced regularly and loyally at BMW service centers.
As you can see in the attached documentation ; not only did BMW of XXXX install the faulty radiator they admitted to doing so in the attached emails and let us drive around with this defective part for 9 months. ( Unsafely ) As you know a faulty radiator is the way the engine stays cool and hence properly lubricated by keeping the oil temperature at safe levels. This most likely has cause irreparable harm to my cars engine and the expenses are much more than the car is worth. Ive taken really good care of this car at BMW service centers consistently since we have owned it and Ive put my faith in them to keep my car from damaging it self and possibly harming us in the process.
My fianc and I had to get a hotel for two nights near the XX/XX/XXXX BMW service center, and had to rent a car to be able to drive back home to the XXXX area. Now we are stranded here without our car trying to recover from the covid-19 pandemic and feel abandoned and left with out any options. We are currently paying for a rental car in order to manage our daily lives.
NOTE : my attached evidence file is too large to upload here, please send us a link to upload or email this information.
|
| 07/13/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX from XXXX of XXXX in XXXX of 2013 using a loan funded by BMW Financial.
The agreement called for {$1000.00} incentive payment credit over the XXXX XXXX payments due.
When I set up my payment account on the XXXX website it showed the ( XXXX ) {$500.00} credits towards the loan.
I made the XXXX pro-rated payment. When I went to make the XXXX payment, the credit had disappeared from the account.
I took it in good faith that the credit would appear and made the pro rated payment. After questioning BMW financial and sending a letter to them I received a response that indicated the dealer had withdrawn the XXXX credit. I was told that they had used an alternate vehicle to " write the contract '' for the {$1000.00} payment credit and then withdrawn the XXXX payment credit. I spoke with my original salesman and the finance manager at XXXX of XXXX after this revelation. The finance manager ( a woman ) was abrupt, admitted her employee made a mistake, said he 'd be counseled on it and basically said I had to live with it.
By this time the payment showed as 30 days late and has continued to show 30 days or more late depending on when the payments are posted in the month. I have on XXXX occasions delayed payment and attempted to reengage BMW Financial and XXXX of XXXX on this matter. Approximately 2 weeks ago I went to XXXX of XXXX and spoke with XXXX XXXX the General Manager. He offered to send a check the next day for the misunderstanding ( contract fraud ) on their part. I agreed and decided to take on BMW Financial and the late payments on my own. XXXX XXXX did not keep his agreement and no check has been received. He/They have not kept their word on anything other than the delivery of the vehicle.
My credit score with XXXX has gone from over XXXX to XXXX during this time and because of the issue. The other XXXX bureaus reflect a similar problem. ( Please note that on the day of purchase they said I had a " XXXX '' credit score with XXXX contrary to what I printed off and showed them.
I offered to refinance the loan right after this was discovered however because of the late payment no one would refinance it even with the explanation.
I respectfully ask that XXXX of XXXX pay all fees and past due amounts on this loan and that they engage the XXXX representative to have BMW financial correct the loan account to show as always paid on time, never late.
|
| 06/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I have a brand new XXXX XXXX with less than 1400 miles on it. I have had it for two months. On XX/XX/XXXX, myy car stalled in 4 inches of water on the way to work and XXXX Roadside Assistance was of no use. The electrical panel appears to be fried, as the car will not change gears, and the dashboard continued to display an error message about the retractable top, which was obviously not retracted in a rainstorm. Water never breached the cabin of my XXXX, yet it malfunctioned in a road lane? Does this mean I ca n't drive in the rain?
XXXX Roadside Assistance went through the trauma of verifying my telephone number four times over the course of ten minutes and then hung up on me, when all I needed was for someone to move me off of a busy interstate access road. They texted me that they would have a tow available in 60 minutes ( Case # XXXX ), and I was able to contact XXXX afterwards and they were able to assist me in 15 minutes. Why do you even offer this service, when you have so little regard for your customers ' safety?
I have reported my concerns to the dealer, XXXX of XXXX in XXXX, Texas, and they are as kind as they can be, but at the end of the day, this isn't their concern. This is a problem with your craftsmanship and your inability to make good on the promises you make for your customers ' safety. How much do you really care about your customers if you aren't willing to respond to help requests? How much have I paid in hidden costs for XXXX Roadside assistance, when they are unable to follow through on their promises and keep one of their customers safe?
This is my third XXXX XXXX. I have owned a XXXX XXXX, a XXXX XXXX, and a XXXX XXXX XXXX. I am reasonably sure I am going to make this my last XXXX, and my relationship with the brand may end as soon as this weekend. You seem to have such indifference to your customers, why shouldn't I buy a XXXX?
So, in summary, I'd like these questions answered : Why did my car malfunction in 4 '' of water in a paved lane?
Does this mean I ca n't drive in the rain?
Why do you offer roadside assistance, when there appears to be little regard for safety?
How much did I pay for XXXX Roadside Assistance, since I'm certain someone has to foot the bill for the people who answer the phones -- yet do nothing?
How much do you care about your customers if you aren't willing to respond to requests?
Why shouldn't I buy a XXXX?
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| 02/11/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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My vehicle under lease was hit by another driver, and deemed damaged beyond safe repair by my insurance company. My insurance settlement payout was structured to a value that would assist me in replacing the vehicle with a comparable one in the current market which has changed drastically since the car was leased in XXXX. Thus, the insurance settlement was larger than the XXXX XXXX XXXX XXXX BMW had provided me on XX/XX/XXXX ( states it is good through XX/XX/XXXX ). I was then advised by BMW Financial that they would be attempting to take my entire insurance settlement instead of just the lesser Payoff Quote - and would not allow my insurer to refund me for the difference. Apparently they feel entitled to profit on this and other accidents. I've checked with my insurer, and they said this is not a common practice by other leasing companies- most rightfully let the policy-holder keep the remainder of the payout. BMW has since said that the payoff quote has now been invalidated and purchasing the car early is no longer an option- they will only accept the full insurance settlement. When contacted about this, they sent me a letter mentioning the threat of negative credit reporting if they don't receive what they want- including any lease payments while my insurance payout is pending.
A car accident serious enough to be totaled already caused me to waste an entire lease payment on a car I can't use while I had to deal with the insurance company for weeks, and incur expenses on buying a car in a market where the prices have gone up drastically.
BMW Financial Service 's reasoning was that they were able to do so because language in the lease allowed them to do so. While only a court of law can say if the language in the lease is completely accurate and binding, only an individual with an absolute lack of morality would be able to say it is just for a large corporation to take a customer 's entire insurance settlement simply because they can. If you're familiar with the XXXX family who owns much of BMW, and have read the XXXX article about the family 's history of using forced labor in XXXX during the second world war, this lack of morality shouldn't be surprising- but it is surprising that a company of this size operating in XXXX would be allowed to create financial difficulty for American consumers simply because they can get away with it using specific legal language.
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| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Good afternoon! In XXXX of XXXX I took out a vehicle loan with BMW Financial Services. The last payment was due XX/XX/XXXX. I had autopay set up because I was ( and still am ) in the military so the convenience of the payments coming out automatically was important. All payments were made on time from XX/XX/XXXX to XX/XX/XXXX. For the final payment, there was an issue with the autopay on BMW Financial Service 's end as it was closing out the account. I reached out to BMW Financial Services via phone immediately upon seeing it showed the account past due. I spoke with a customer service representative, who understood the situation, admitted it was an error on their end, and sent me an email to complete a document and send it to have the account ( which then showed delinquent ) properly updated to closed with no missed payments as they stated they do not update credit reporting via phone. I completed that form, which was a typical dispute form. I've attached the document BMW Financial Services sent me in XX/XX/XXXX.
Upon going through my credit report in XX/XX/XXXX, I saw on XXXX of my XXXX reports ( XXXX ) the account showed delinquent for a missed payment in XX/XX/XXXX, but the other XXXX credit reporting bureaus were annotated correctly. I sent a dispute through XXXX. Because it had been almost XXXX years, I did not quickly have access to the correspondence with BMW Financial Services, so I was able to provide an explanation of the situation and not much else. Luckily within the last few days I was able to get access to the email BMW Financial Services sent me outlining the delinquency would be removed, and have since updated XXXX with this information.
In the meantime, BMW Financial Services has incorrectly told XXXX the account was delinquent, and went a step further to update XXXX with the incorrect reporting information, meaning now - almost XXXX years later - a new delinquency for an account closed XX/XX/XXXX is showing up in XX/XX/XXXX for the first time.
I've since furnished the email to XXXX so they can reopen the dispute, but can not provide it to XXXX due to the fact that XXXX does not accept updated information mid dispute, but rather must wait until the dispute is closed and then open a new dispute 180 days later. I do not want to prolong this incorrect information being on my credit report.
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| 05/14/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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On XX/XX/XXXX the lease terminated on my XXXX XXXX vehicle and I returned it to XXXX XXXX in XXXX XXXX. Prior to returning the vehicle I had all body damage repaired and the car waxed and detailed so that it was in pristine condition.
Per BMW, I called prior to make an appointment for the transfer. When I arrived I was informed that there was no appointment scheduled and that I would have to wait for someone to help with the transfer and paperwork. After waiting for 1 hour a staff member, XXXX, introduced himself and said he would take care of us. I gave him the keys and waited another hour for him to return with a single paper for my signature. After signing, he said that was all I needed to do and the transaction was complete.
On XX/XX/XXXX I received a letter from BMW financial services in XXXX that stated there was excessive wear and use of the vehicle that amounted to {$1300.00}. I am currently disputing the charges but the car is no longer local for me to contradict their findings. We acknowledge the additional mileage of {$240.00} but not the rest of the erroneous charges. XXXX XXXX did not do a final inspection with me present to testify to the presence of any damage or excessive wear and use of the vehicle. I understand this is a common practice when relinquishing a leased vehicle back to the Lessor. BMW was negligent in their dealings with me by not providing this standard of service. After questioning XXXX XXXX regarding the Excessive Wear and Use charges they informed me that they also provide a Pre Inspection Service allowing the customer the opportunity to fix any problems or future cost issues with the vehicle prior to relinquishing. This service was never mentioned to me nor offered. Instead XXXX XXXX called on many occasions prior to the lease termination date trying to get me to purchase the vehicle. Not providing this opportunity to me at the local dealership allows them to charge fraudulently later and prevents me from actively disputing their findings. I sincerely feel that because I did not lease a new vehicle or purchase my existing vehicle I am being charged fraudulently. This type of business practice is unethical and needs to be reprimanded as it is very unfair to the consumer.
We have left messages yet have not received a call back regarding the issues.
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| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am contacting the CFPB because it is my last attempt of trying to correct the inaccuracies reported by BMW Financial Services XXXX XXXX XXXX XXXX Ohio XXXX for account XXXX XXXX XXXX XXXX. I have called to speak to two managers XXXX and XXXX trying to escalate this issue to be resolved because it is not only hindering my life but causing a snowball of other problems all due to the negligence of the staffing at BMW. It has been reported two late payments to my credit profile when in fact I have not been. It has been confirmed by multiple employees that the fact BMW is reporting a late XXXX payment when my due date was XX/XX/XXXX, payment received XX/XX/XXXX ( six days later ) ; I should not be counted for a late payment when the payment is incapable of being labeled late until 30 days past the payment date of XX/XX/XXXX ( which would be XX/XX/XXXX ). I have called and complained several times of the need for call monitoring and coaching of staff who informed me that my automatic payments were active when later informed they were not causing me to log in the BMW customer portal to manually submit one time payments. I have over a XXXX credit score, never experienced a late payment in my life which shows this is not a regular trend of actions but in fact is the opposite of my character and habits. I feel that the employee that informed me that my automatic payments were active should be held accountable and that the incorrect late payments reported should be removed immediately. I have personally sent in two packers to BMW Financial Services including a formal dispute which is attached with the details of the incident, copy of my XXXX credit report which noticeably shows my XX/XX/2021 payments as on time and a in depth 50 page packet of my credit report to show that I have never been late with any lender in my life. I am begging for help to fix this issue because it is inhibiting me from closing on my home with my family because it has drastically dropped by credit score and reflected negative payment pattern that is not true. I demand that the XX/XX/2021 and XX/XX/2021 late payments be immediately deleted for account XXXXXXXX XXXX XXXXXXXX XXXX and also the recorded phone conversation with BMW financial services employee be pulled to show that I was given incorrect information.
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| 06/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I was assuming a XXXX XXXX XXXX lease for 10 months. The lessee was offering an incentive and covering application and processing fees for lease transfer. He paid {$540.00} fee and sent me proof of payment and application link.
A short while later I submitted my application to BMW financial and was also charged {$540.00}, for double payment. My application was denied minutes later but somehow they were still processing both payments. Why would I pay for tax and licensing This is an illegal business practice and fraudulent based on their contract.
BMW Financial terms and conditions for Lease assumption, all account must have a minimum of 6 months remaining on the lease.
- A {$500.00} Assumption Processing Fee, plus any applicable state sales tax, must be paid prior to the submission of the credit application. The payment can be made through the application link below. BMW Financial Services will accept payment in full by one party only. Partial payment will not be accepted from either party.
- If the assumption is cancelled before completion or if the Transferee ( Applicant ) is not credit approved, BMW Financial Services will retain {$100.00} plus applicable state taxes as a processing fee. The balance of the Assumption Processing Fee will be refunded.
- A credit application may be submitted only by email from the Transferee to BMW Financial Services.
- The Transferee must be credit approved by BMW Financial Services using the following link : https : /XXXX XXXX - The account must be paid current to begin the Assumption Process and must remain current at all times for the assumption to be completed. In addition to the monthly payments, this will include paying all charges billed to the account in addition to the monthly payments such as personal property tax, late charges, parking tickets, administrative fees, and any other charges that are not paid. The XXXX should resolve with the assuming party, any payments or refund of monthly payments made prior to transferring the vehicle. BMW Financial Services will not prorate any payments to either party made on the account.
- The vehicle must remain in the Transferor 's ( current customer 's ) possession and on his or her insurance policy until notice is received by email and / or United States Postal Mail from BMW
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| 02/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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ANNUAL PERCENTAGE RATE. The cost of your credit as a yearly rate.
XXXX % FINANCE CHARGE. The dollar amount the credit will cost you.
{$2800.00} Amount Financed. The amount of credit provided to you or on your behalf.
{$20000.00} Total of Payments.The amount you will have paid after you have made all payments as scheduled.
{$22000.00} Number of Payment ( s ) Amount of Payment ( s ) Payments are due XXXX {$380.00} XX/XX/XXXX On XX/XX/XXXX, I applied at XXXX XXXX to refinance my XXXX XXXX XXXX after leasing for XXXX months. I received the refinance documents from XXXX XXXX with the information above on the balance of {$25000.00} after the end of the lease. I gave a down payment of {$5500.00} with a balance of {$20000.00}. When I received the documents with the Annual Percentage rate of XXXX on the {>= $1,000,000} = {$2800.00} which is stated above in the BMW documents. The right percentage amount should be {$1000.00} and not {$2800.00}.
If you divide their interest charges of {$2800.00} into XXXX-month payments the result should be {$48.00} of interest on a monthly basis.
I have been making payments of {$400.00} dollars a month into my account instead of {$380.00} because I would like to pay off as soon as possible.
Since I started making payments into my account on XX/XX/XXXX, XXXX XXXX had charged to my account higher interest than what it is stated in the documents. Also, I have been making additional payments to apply to the principal. XXXX XXXX as posted into the interest instead into the principal balance. I think that is a wrong entry into my account because my balance should be lower than what it shows now.
I have contacted XXXX XXXX on various occasions because of the same reason, too higher interest charged and my extra payments it is not applied toward the principal. The Financial Representative stated that BMW collected their interest in advance which Is wrong because the balance will be higher than what is supposed to be on a monthly basis. Another Rep told me that XXXX collected the interest on a daily basis of {$290.00} which I was not aware of. That it is not in the document I signed.
Please see the attachment of the payment stub so you can see the payments made since XX/XX/XXXX -XX/XX/XXXX because of the two payments in XX/XX/XXXX, I misplaced.
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| 09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Re : Dispute of 30 day late payment for fraudulent lease extension on BMW Lease To whom it may concern : I am writing to request an investigation into the fraudulent activity that occurred on my account resulting in a 30 day late payment on my credit report.
I leased a XXXX XXXX XXXX from BMW Financial for a period of 36 months ending XX/XX/XXXX.
I returned the car at the end of the lease having made every single one of the XXXX payments on time as my account was on autopay.
In the first week of XX/XX/XXXX I was notified by a credit monitoring service that my score had dropped due to a negative mark on my account. When I checked my credit reports I saw that my lease term had been changed from 36 months to 38 months and that the XXXX payment was showing a 30 day late payment.
Since there should not have been a XXXX or XXXX month I called BMW Financial Services who advised me that I had extended my lease over the phone.
I have called multiple times since and have advised them that if someone extended the lease over the phone it was certainly not me. I was eventually advised to send my dispute in writing.
On XX/XX/XXXX, I spoke to XXXX in the Lease End Department at BMW Financial, who told me that the lease was extended on XX/XX/XXXX, long after I had returned the car. He also told me that the payment of {$2300.00} for the fraudulent 2-month lease extension was made from a XXXX checking account with an account number of XXXX. This is not nor was it ever my bank account.
I assume the leasing broker or someone related to the dealer impersonated me to extend my lease for one reason or another as I have attained a copy of the odometer statement used to turn in my car which was not filled out by me, and has a fraudulent signature that is not mine.
I suggest that BMW Financial listen to the recording of the phone call when my lease was supposedly extended and compare it to other phone calls of me calling in, it will be evident that it was not my voice doing the extension.
Lease agreement for XXXX XXXX XXXX for term of 36 months Odometer statement FTC Identity Theft Report Police incident report slip for crime of Identity theft Please remove this blemish as soon as possible as I have otherwise perfect credit and this is clearly a case of identity theft/fraud.
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| 05/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/2019, my XXXX XXXX XXXX was stolen from XXXX, VA, I.e., by XXXX XXXX. I reported that the car was stolen to the XXXX, Virginia Police Department, Case # XXXX, At XXXX on XX/XX/2019, I reported to my Car insurance, i.e., XXXX XXXX that my vehicle aforementioned was stolen.
My insurance informed me that I would need to file a police report, which I did, on XX/XX/2019. XXXX XXXX made reservations for me to obtain a rental car on XX/XX/2019. I filed my police report with the XXXX, Virginia Police Department and they gave me Case No. XXXX.
The aforementioned vehicle was found on XX/XX/2019 Burned Up. I have spoken to the XXXX XXXX Claim Adjuster : XXXX XXXX several times if the vehicle is repairable. Ive asked the XXXX XXXX adjuster : XXXX XXXX, from time vehicle was stolen to date, is the vehicle repairable and if not what is the next process. Ive asked the Adjuster have they informed BMW North America Financial Services, who I financed the car through. Which the adjuster said, we have not notified BMW, that we will not notify BMW until we make a decision if vehicle is repairable or totaled, which she propagated to me in a email.
Today is XX/XX/2019 and I have still not been updated with any information. My insurance premium, I.e., is automatically taken from my bank account with XXXX XXXX. Im paying for a service, which has yet to have been rendered and fulfilled. Can someone please step in and enforce my consumers rights. I have all the emails from the XXXX XXXXl Adjuster stating they have not notified BMW North America Financial Services of the status of the Vehicle. Which BMW customer representative informed me a department has been notified. One or both entities are lying.
I called BMW North America Financial Services on XX/XX/2019 to inform them of this situation. A customer service representative informed me that a Certain department has been notified of this situation, and she left me on hold for an hour.
Every time I call BMW North America Financial Services they leave me on Hold for a substantial Long Duration, where Im left on the phone for unwaitable time. Can someone from the CFPB please help me with dealing with XXXX XXXX and BMW North America Financial Services.
Thank You V/r XXXX XXXX XXXX
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| 05/19/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
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Web |
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I had a previous auto loan contract for a defective Certified Pre Owned car that was in an undisclosed vehicle accident prior to be listed for sale and falsely certified as a Certified Pre-Owned car. I also had contract void issues due to the contract not being fully signed. Selling auto dealership refused to buy back the vehicle at time of original sale ( which was purchased out of state and online in XXXX while I resided in XXXX ). I had contacted financial provider, who refused to initiate a vehicle contract void, and used predatory practices to threaten me with damage to my credit if I did not continue to send in monthly payments. I did make all payments to the financial auto loan servicer to protect my credit, and kept contacting dealership, manufacturer and financial loan provider to return car and refund money. I filed with the XXXX, XXXX Attorney General, XXXX Attorney General and used the dealerships own biased arbitration clause to exhaust all possible remedies to no avail. At the time of warranty being close to expiration and with over XXXX different warranty repair history and car still not free of defects, arrangements and notice was given to financial provider that car was going to be returned to the local authorized brand dealership due to car still having leaks, mechanical failures, engine issues that were not repairable. Instead, financial loan provider is reporting a false charge off to my credit reporting bureaus and had refused to refund my {$24000.00} plus {$8000.00} attorney fees. It is falsely reporting a negative account charge off and this is predatory and a violation of the Fair Credit Act. My credit needs to be in compliance with the Fair Credit Act, the loan provider is prohibited from using predatory and exploitation in credit reporting and retaining funds and demanding payments and refusing to void contract from the beginning. All payments were sent on time to protect my credit and I was told that the car was mine, and I was responsible even though it was not a Certified Pre Owned car, but was instead a previous collision vehicle that was falsely labeled as a CPO, when it had front end damage prior to sale, which the dealership concealed and sold the car anyway as a CPO, when it was not.
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| 01/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- High-pressure sales tactics
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|
Web |
Servicemember |
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On XX/XX/2020 I went to BMW of XXXX ( Virginia ) to buy a car. During the process, the sales person asked me to fill out a credit application with BMW Group Financial Services. I stated that I had financing approved through XXXX XXXX XXXX XXXX. The salesperson then stated he needed me to fill out the form so they could do an OFAC check. When I asked what that was he said it was to confirm my identity. I read through the form and it clearly stated that signing the form was an authorization for requesting a consumer credit report. It also authorized sharing my information with other BMW affiliated organizations. I again declined to sign the form, but the sales person brought a manager who also stated I was required to sign the form so they could check my identity. I then read aloud the statement above the signature which authorized a credit check and said I would not sign the form. They eventually moved forward with the sale of the car, but the dealer practice is clearly fraudulent as they are blatantly lying to consumers who do not need financing.
Dealers can check customer names against the OFAC sanctions list at this website : https : //sanctionssearch.ofac.treas.gov/. Consumers should know that auto dealer personnel are being fraudulent by stating you need to fill out the credit application form for an identity check.
While the fraudulent statements were made by the dealership, they were using an official BMW Group Financial Services application form. The statement above the signature reads in part : I authorize BMW Financial Services ... to request information from me and to make whatever inquiries considered necessary and appropriate ( including requesting consumer reports from consumer reporting agencies ) in considering granting me credit ... offering me other products including credit cards ... I understand you use automatic telephone dialing ... I expressly consent to receive autodialed calls ... ( etc. ). By signing below, applicants authorize submission of this consumer credit application to BMW Financial Services, XXXX XXXX XXXX, XXXX, OH XXXX.
BMW Financial Services should take responsibility for the fraudulent use of this form and ensure BMW dealers are not misrepresenting the form.
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| 04/19/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
Servicemember |
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This complaint relates to a totaled XXXX XXXX XXXX. The car was towed to BMW Account # XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The car stayed there about a week when I was told by the service manager XXXX XXXX to come get my belongings out of the car because it had been totaled out by XXXX XXXX XXXX. And was being towed away. I received a refund check for the state taxes I had previously paid for the car from XXXX and everything seemed to be fine. On my way out XXXX the salesman came to talk to me and stated that since my old car was totaled I should purchase a new car. I told him I was not interested in paying this much again. His manager came out and showed me their loaner cars and said that's what his family drove brand new with just a few miles on them. I paid them {$3000.00} on the spot. I also paid my car payment and had recently paid my car which was totaled on XX/XX/XXXX which was {$530.00}. A week later I receive notification that XXXX had not added a sports package to the assessment and that the car was NOT totaled so I needed to pay them again. I explained I could not pay for 2 cars since they had assured me that the car was totaled. They tricked me into believing that it was paid for. I have been with them since XXXX with no late payments and I am asking that this late payment be removed this is a dispute between them and XXXX. BMW financial is saying they have no control over what their lots do and are not affiliated with them personally. I explained to them they have the same name, the same logo and this is where I purchased my last 3 cars and no one told me otherwise. I even called BMW for a tow service they refused and this led to the car being ruined. Had they come when I asked the vehicle would have never been flooded. For a car over 50k they should have made an effort to get it themselves rather than making a claim. BMW is ruining my credit I called them at least 6 times requesting they work this out with XXXX because they were made aware that XXXX was reassessing the damage. I want this mark removed from my credit. I have not had a late payment on my credit. This is taking it down to fair status when previously it was good and as we know these marks last for upwards of 7 to 10 years.
|
| 04/03/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
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On XX/XX/XXXX, I entered a lease on a XXXX XXXX XXXX XXXX / XXXX with BMW Financial Services and XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX / XXXX was going to be Titled, Tagged and Registered in Florida. I am a Florida State Resident, and have maintained my Florida Residence since I was called to XXXX XXXX serving in the XXXX XXXX. Therefore, I am tax exempt, and filed the necessary exemptions, and affidavits. I terminated the lease, and returned the vehicle to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.
On XX/XX/XXXX BMW Financial Services discussed the Lease Termination Options, I was assured I would receive a refund of the additional fees.
On XX/XX/XXXX BMW Financial Services discussed the Voluntary Surrender Process with me, I requested information about Military Early Termination.
On XX/XX/XXXX BMW Financial Services discussed the Military Status Option with me, since I had already turned the vehicle into the BMW XXXX where I originally leased it.
On XX/XX/XXXX BMW Financial Services discussed the Early Termination Options, and explained that I would be refunded any fees that I had paid in excess.
On XX/XX/XXXX I received payment confirmation notification from BMW Financial Services, stating they had received my payment of {$8900.00}.
On XX/XX/XXXX BMW Financial Services sent account Paid in Full letter.
On XX/XX/XXXX I confirmed and verified with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX. XXXX XXXX & XXXX XXXX. ) the XXXX XXXX XXXX XXXX / XXXX was never Titled. If this vehicle had been registered, and my existing tags transferred it would have only been {$64.00}. I was erroneously charged {$2100.00} for license fees, registration, title, and taxes for the XXXX XXXX XXXX XXXX / XXXX.
This vehicle was not titled, tagged or registered, I was overcharged {$2100.00} when I leased the vehicle.
XXXX XXXX XXXX XXXX XXXX stated that it never received any title paperwork or leasing documents on this vehicle.
When I paid the early termination I was charged again for registration, title, tags, and fees. How many times am I supposed to pay for tags, title, etc? I am a Florida Resident therefore I am tax exempt, I provided all affidavits and necessary paperwork.
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
You were advised by me on ( XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.
Here again is the incorrect information being reported : BMW Financial Services Account Number XXXX.
Late Payment Inaccuracy Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
Please remove it from my credit reporting information!
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk.
Please take notice that this letter dated XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
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| 09/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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To whom it may concern, This is my second complaint regarding BMW financial Services. On XXXX/XXXX/XXXX XXXX declared my XXXX BMW 320i Acct # XXXX a total loss and issued payment to BMW financial for {$36000.00}. See Exh # XXXX.
See EXH # XXXX This was a financed vehicle, on XXXX/XXXX/XXXX Bmw Financial sent a past due notice for {$8700.00} for the remaining balance on the vehicle rather than checking my contract of sales to notice that there was no Gap waiver form signed or offered to me at the time of purchase. They continued to proceed with /after previous calls to BMW and being advised I was no longer responsible, on XXXX/XXXX/XXXX u received a letter that their records do not indicate any discussions about responsibility. XXXX XXXX was no available for questions. Tel # XXXX which is not his direct line and he does n't even take any calls. Not sure why we would state on a letter to please contact him if he does n't take calls. See Exb # XXXX As you can see EXH # XXXX - a letter my account was paid in full, no explanations in any event. I was right and they were wrong. Since last year they have been stating I owed them the balance due on the vehicle, a and once I made the manager Aware that there was no gap waiver form offered or signed by me see EXH XXXX, I should n't be responsible for the balance left over. Bmw Finanical sends me a paid in full letter that does n't state they were wrong, and they should have never been trying to collect from me nor send my personal information to a collection company. The letter appears as if I paid them in full.
For my aggravation regarding this matter & many sleepless nights I am requesting that this account be deleted from my credit report. I am also requesting to be notified which collection company by information was sent to, and that it is deleted form their database.
I was harassed & abused by this whole process. On the surface it looks like illegal & unethical behavior on the part of BMW Financial. Do n't know how many other customers just paid instead of doing research to see if they were offered a Gap waiver form.
Bmw told me they report to XXXX m if that 's the case and true they should be informed of this.
Thank you
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| 10/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American |
|
I am bringing a matter to your attention in the hope that you will be able to assist me and rectify an injustice by BMW FinanciaXXXX in settling a vehicle lease I recently terminated.
I recently lost my vehicle in Hurricane Ian. I leased the car from BMW Financial Services and it had roughly a {$28000.00} balance, according to BMWs website on XX/XX/XXXX. My insurance company, XXXX XXXX, paid the market value of the vehicle on XX/XX/XXXX, amounting to {$40000.00}. The difference between the insurance proceeds and the lease balance was roughly {$12000.00}. BMR Financial Services plans to keep the difference. They believe they are justified, since they own the vehicle. This is a hardship for me ( I am retired ), since I had planned to use the equity to purchase another vehicle. I object to their policy and believe it is unfair for several reasons : XXXX. Lack of disclosure. Had I known, I would have paid off the lease balance in early XXXX, which would have entitled me to the proceeds. This was not disclosed on their website nor was it in the lease contract.
XXXX. Usurious. The roughly {$12000.00} profit BMW plans to retain represents approximately a 43 % gain on the lease balance. While a lease is not a loan, and subject to Federal usury laws, nonetheless, it is a financial contract. I believe a 43 % return is inappropriate, and takes advantage of retail customers who individually have little means to battle a large, foreign manufacturer.
XXXX. Takes advantage of Hurricane Victims. This policy takes full advantage of Hurricane Ian victims. When I complained to the BMW agent, they mentioned that this policy had specifically been discussed at BMW, and that other customers had also complained to them about this same policy. I take this to mean that they are victimizing numerous customers in the XXXX XXXX area.
XXXX. Inadequate alternatives. BMW offered to apply the difference if I leased another BMW from them. However, BMW had no XXXX XXXX vehicles available on the XXXX XXXX and would not be able to source another car until XXXX at the earliest. I need a vehicle sooner than that, so this offer is hollow.
I can be reached at XXXX XXXX XXXX. Many thanks.
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| 12/05/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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|
Web |
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I had a 3-year (30,000 miles) vehicle lease from MINI Financial Services, XXXX XXXX XXXX, XXXX, OH XXXX for a XXXX XXXX XXXX under MINI Financial Services Account Number XXXX. All lease payments were paid on time and the vehicle was returned to MINI Financial Services via its local dealer at the end of the lease on XX/XX/2019 with only XXXX miles on the odometer (versus 30,000 miles allowed). I was billed for a “disposition” fee of $XXXX which I paid on XX/XX/2019 upon receipt of the bill (Exhibit 1). At this point I did not expect to receive any more bills from MINI Financial Services since I do not have possession of this vehicle as acknowledged by MINI Financial Services (Exhibit 2). However, MINI Financial Services sent a bill through US Post Officer from MINI Financial Services dated XX/XX/2019 for “Vehicle Property Tax-XXXX County, VA” for $XXXX (Exhibit 3). Since I was out of town from XX/XX/XXXX through XX/XX/2019, I did not realize that I had received this bill, which I had not expected. Upon collecting my mail I called MINI Financial Services on XX/XX/2019 and spoke to XXXX XXXX who demanded that I send full payment for $XXXX to cover the Property Tax bill that MINI Financial Services had received from XXXX County, VA. I told Mr. XXXX that I was disputing this payment because this is an annual property tax that I did not owe because I did not possess the vehicle after XX/XX/2019. When Mr. XXXX insisted that I pay the whole amount, I asked him to send me the bill which he refused to do. (I have still not received the bill as of XX/XX/2019.)Since I did not receive the bill, I called XXXX County Tax Department to inquire about the bill. They could not send me the bill because the ownership of the vehicle is with MINI Financial Services, however they pulled up the records pertaining to this property and told me that MINI Financial Services had paid the bill late and the county had revised the bill amount to $XXXX which is 50% of the original bill amount of $XXXX and refunded $XXXX to MINI Financial Services (Exhibit 4).MINI Financial Services is trying to make me reimburse them for twice the amount that they owe XXXX County for taxes.
|
| 01/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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Bmw dispute My XXXX XXXX at XXXX XXXX was on the side of the road in a flood. The road side assistance left me stranded until XXXX XXXX on a XXXX XXXX. They never picked up my car until XXXX XXXX in the morning but it was too late the police towed it. I had to pay that tow and another tow to the XXXX XXXX. I take care of my mom because she has XXXX so my money is limited right now. They took 2 months after several calls and emails to give me back my money they even sent the wrong amount only {$300.00} they took forever to correct it and put the late charge of my XXXX that month on my credit. I was not sure if the car would be fixed or a total loss as well they shouldnt have done that the bmw rep told me that they would not harm my credit or o would not have to pay if the car was a total loss as well.. Now XXXX I was in XXXX 2 months due to my mother catching covid. The phone system I called when I was in XXXX to make the payment it did not put my payment through. I have had this car 3 years and never been late 2 months. I did not realize the payment did not go through. I have a new job With the irs and can pay the bill Im employed that is not the issue. They got my dispute for XX/XX/XXXX late just now because it was lost two times because they said they never received it. So I sent it priority mail. they took long to resolve the XXXX issue and now they are saying due to me being late now in XXXX they are not taking the other late report in XXXX. Using the other situation to try to justify their incorrect reporting. Yes someone can be a slow payer but Im never over 30 days. Its because I take care of my household and my mothers home its over whelming all the medical cost and all the bills. The phone system before I called one day before the final day to be paid before a fee would be charged and it would not go through! I called 5 times it is extremely long the automated service process when they are closed. I feel they do this to charge you extra fees. Its too ironic. The lease agreement for roadside assistance says the tow is included I want to report the hassle for the reimbursement and the late report incorrect report to my credit.
|
| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
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It has come to my attention that BMW has denied me credit. I the natural person, original creditor, and applicant, am aware that letter I received is a adverse action letter pursuant to 15 USC 1691 ( d ) ( 6 ). As the ORIGINAL creditor, I initiated a consumer credit transaction with my credit card pursuant to 15 USC 1602 ( L ) making BMW an assignee pursuant to 15 USC 1691a ( e ). I FILLED OUT A CREDIT APPLICATION ( exhibit A ), not a loan application because no financial institution can LOAN money pursuant 12 USC 1431. Furthermore i did NOT receive any benefit from that transaction which has negatively impacted my credit ( exhibit B ). This inquiry from BMW proves the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant with such respect to ANY aspect of a credit transaction as congress states pursuant to 15 USC 1691 ( a ). Lastly, congress no credit card shall be issued except in response to a request or application thereof pursuant to 15 USC 1642. It is shocking to me that BMW Takes pride in their ignorance of consumer protection. Regulation Z, equal credit opportunity act and the fair credit reporting act are all publicly available to relief you of your ignorance. Ignorance of the law is no excuse. As a result of the adverse action i have lost faith and confidence in the public banking system. As it has directly impaired me from exercising my right to extend credit. I DEMAND, that you show me the statements of reason for exactly why is denied credit. Keep in mind that the Fair credit reporting act states that any report containing information solely as to transactions or experiences between the consumer and the person making the report. Communication of that information among persons related by common ownership or affiliated by corporate control ; or communication of other information of other information among persons related by common ownership or affiliated by corporate control. And lastly the a consumer report shall not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
|
| 03/14/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Servicemember |
|
Three weeks prior to the lease end, I went for the pre-inspection and was told the front tire 's tread was a little worn, but they should be fine. Wednesday, I went after 186 miles of 3 weeks of driving and they said the tires were bad. Now, I use to work as a mechanic when I was a teenager, on average you lose1/32 per 5000 miles of careful driving but let us say is 1500 miles. There is no way in three weeks the tires went bad on 186 miles. On XX/XX/XXXX, I went back to turn in the second set of keys and requested for the car so I could check the tires with a tire tread tool. It was something, they came up with every excuse in the book so I would not see the car, we do not know if the car is in the lot, it could be in the CPO department or sent to the auction. I guess they are not aware of paper trails or electronic tracking, a dealer does not know where a car is, wow. They looked once and came back with no luck, sorry, So I pressed them again if the car is not on the lot, I wanted to know which auction house it was sent, so I could go and view the car. Then after 20 minutes miraculously the car appeared, like magic. One interesting thing to note the dealers tool is a dial gauge rather than a depth gauge. Using this tool allows for subjective outcomes because is not as accurate. I checked both tires and here is what I found, first they were screwing me out of money, the only tread that was 3/32, below their standards, was the inner one the other three treads were 4/32, or 5/32. The best part is when that I signed the lease, I noticed that the tires that came with the car were regular tires, not run-flats. So, I asked what the issue with the tires was. I was told by XXXX XXXX that BMW no longer comes with run-flats My XXXX all I needed to do was look to confirm at the cars inside the showroom. The audacity and my stupidity of course because you must be with all senses on. At that point, you have been haggling for hours and that is how they wear you down. I hate to call XXXX out because he is an affable guy but know he is costing me money, so I have no choice. At this point, I have to pay XXXX dollars for both tires.
|
| 06/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
In XXXX XXXX XXXX I ca lle d to make my payment the same way I always do through BMW 's automated system. I received no notification whatsoever that the payment was n't processed un til X/X/17 and ul timately was reported by BMW to the credit bureau that my payment was 30 days late. The notification I received on XX/XX/XXXX specific ally addressed my XX/XX/XXXX payment, not the XX/XX/XXXX payment, however the balance showed two payment s were due and I immediately called to address this. Upon speaking with the representative, she researched and confirmed that no attempts had been made to notify me and provided me with an address of where I could send a letter to have the 30 day late removed. I was promised this would be corrected. I received a response to my letter advising that no adjustment would be mad e. BMW claims that 5 attempts were made to notify me via email of the late payment. This is an outright fabrication, as the representative immediately confirmed to me at the time that no such notifications were sent. Again, the only notification I received was on XX/XX/XXXX addressing my XX/XX/XXXX payment and at that point the account was already 30 days past due. Furthermore, she confirmed that my expressed preference was to receive notification of any issues with my payment via phone and additionally confirmed that no attempts were made to contact me. I have financ ed XXXX differe nt vehicles and have never missed a payment on any of them. This company did not honor the promise that was made to me after their own representative confirmed I was not notified of the error. Addition to their deceitful response, it is completely irresponsible to report a customer to the credit bureau without making A SINGLE ATTEMPT to notify them by phone and rely on emails that could easily end up in a spam folder, despite that their own employees have already verbally acknowledged that this did not take place. Previous complaints ( not through the CFPB ) have gone unresolved, with the creditor stating it is not their responsibility to inform the client that the payment was not received.
|
| 03/06/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
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I leased a BMW XXXX for my company at XXXX XXXX BMW of XXXX, located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. But, the service company is BMW Financial Services NA , LLC. The lease period is 36 months ( XX/XX/XXXX to XX/XX/XXXX ). I prepaid {$30000.00} at the beginning of the lease, and the monthly payment is {$400.00}. This SUV was totaled because of an accident on XX/XX/XXXX.
I have paid the total amount is {$35000.00}. ( Prepayment $ XXXX months ). The total payment ( contract amount ) for 36 months at the end of the lease is {$45000.00} ( Attachment 1 ) The payoff amount of my BMW account is {$48000.00} on XX/XX/XXXX, ( Attachment 2 ), and the insurance settlement amount from the total loss is {$70000.00}. ( Attachment 3 ) So far, I finished all my liabilities depending on the lease agreement. I asked the BMW XXXX to refund me {$19000.00}, which I prepaid and BMW FS didnt service, but BMW XXXX refused. They only offer a {$10000.00} ( 50 % of what I deserve by the payoff method ) Loyalty Payment Credit with many unfair terms.
-- -The Loyalty Payment Credit amount can be up to 50 % of the amount remaining after subtracting your contractual Lease payoff from the insurance settlement resulting from the total loss. The Loyalty Payment Credit can not exceed 50 % of the total monthly payments on the new lease or finance agreement. ( Attachment 4 ).
This offer is unreasonable and unfair. What is the offer based on? Why is it up to 50 %? The offer also asked customers to use the Loyalty Payment Credit for 1 year with monthly use limited. Whats the interest rate? What can customers do if the customers dont want to lease or finance the vehicle again? BMW XXXX forces the customer to accept this unfairness.
So I rejected this unfair credit offer.
I tried to discuss this with BMW FS by phone. I also tried to solve this problem through XXXX The BMW FS still refused to refund the money I deserved. ( Attachment 5 ) I replied to the XXXX about why I rejected the BMW FS. ( Attachment 6 ). And XXXX said they couldnt solve it and recommended CFPB.
I hope BMW FS can refund {$19000.00} the money I deserve soon.
|
| 01/12/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
When the lease on my BMW X3 was coming to the end I met with BMW of XXXX dealer and negotiated all the financial obligations on my part related to the end of the lease agreement. As such I paid them negotiated amount of money.Thereafter, I turn over to a dealer my old car and I have negotiated a new lease agreement for a new car- I signed a new lease on XX/XX/XXXX. Subsequently on XX/XX/XXXX I received an email from a dealer informing me to come and pick up permanent license plates ( see Attachment ). When I arrived to the delaership I was told that I would not received my license plates until I pay them {$580.00}. In fact, XXXX XXXX XXXX, a dealer informed me that this amount {$580.00} I own to BMW FinancialServices for end of the lease charges XX/XX/XXXX ; that was when I returned my previously leased car from BMW of XXXX. At that point, I told the dealer that I have not received any demand for payment from the BMW Financial Services since I leased my previous car in XX/XX/XXXX. As such, I strongly objected to the dealer '' s demand for payment telling him that this is an extortion to demand from me to pay for unsubstantiated claim from 2013 year.In addition, I asked the dealer why he did not mention that I had any outstanding balance with the BMW Financial Services when I had negotiated a new lease. In response the dealer said, that he just recently learned from the BMW Financial Services that I owned them money. Again, I asked him to show me any document to proof that i owned money to BMW FS but he did not have any such document.At that point, I left the dealership without paying any money. Shortly after, I received an email from the dealer demanding {$580.00} to be paid to BMW Financial Services ( see email ). Because my temporary license plates were closed to expiration date, I went back to the delership and they accepted my payment of {$400.00}. In my opinion this is unprecedented that BMW Financial Services had fabricated that I owned them money since XX/XX/XXXX. I have not seen or receive any documents from BMW Financial Services showing that I owned them any money.
|
| 05/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
During the week of XXXX XXXX I contacted BMW Financial Services to process a payment for XXXX. I was out of the XXXX and unable to connect to the internet to process it online. I requested that the representative ( I believe his name was XXXX but can not recall ) activate XXXX since I am currently traveling out of the XXXX for work. He explained that I could do it online but I specified that I did not have access to the web. He confirmed my bank account was on file with BMWFS and that he could take care of it. Today I received a call from BMWFS stating that they have yet to receive a payment for XXXX and that my credit had been affected. I told them to draft it immediately. I stated that I had previously spoken with someone about this and they directed me to their credit dispute department because they could find no records or notes that anyone every spoke to me. After holding for about 30 minutes the call then disconnected without being able to speak to anyone. I 've yet to be able to get in touch with anyone to even speak to them about a dispute. I believe I was provided incorrect information regarding XXXX, as the second agent told me it can only be initiated only by my self as the account holder ( which is not what the first agent told me, UDAAP concerns here ). I have never had a late payment with BMWFS and am extremely irate that their mistake will put a blemish on my credit report. I request that they remove this immediately. I do not believe their credit dispute process is handled with the customers best interest. I will be visiting my nearest XXXX, writing to the OCC, and the FTC about this as matter as well. Not to mention that when I purchased the vehicle I was told that I could only buy XXXX insurance at the time of purchase ( when I knew that was incorrect ) and the APR was not stated to me until I asked for it all while I was being asked to sign documentation with out first seeing the rate first. Though this was a few years ago, I know this was also not a best lending practice.
XXXX XXXX Account address : XXXX XXXX XXXX, XXXX, TX XXXX Phone number : XXXX
|
| 10/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Hi BMW ; I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting now completely incorrect, incomplete and unverified. I had the opportunity to talk to several lawmakers and friends and learned some basic laws in regard to voluntary or repossession of a vehicle. Under the laws of my states & UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My credit score has been very negatively affected because someone fraudulently used my name, ss number and date of birth but a different mailing address to purchase a {$40000.00} loan for a XXXX through BMW financial services. I first noticed this in XXXX through credit monitoring that multiple inquiries had been made on my credit and a {$40000.00} vehicle loan had been taken in my name through BMW financial services on or around XX/XX/XXXX. The first payment had been made for the vehicle but none thereafter. I contacted BMW financial services on XX/XX/XXXX and they emailed me a letter identifying that they were doing an investigation into the situation. I filed disputes with all 3 credit bureaus explaining the situation. I received a reply from XXXX at the end of XXXX indicating that the claims on my credit report would stay because BMW financial services told XXXX that they determined it was not fraud. I then received a call from BMW stating the same, that they had closed the case because they determined it wasnt fraud. When I pressed them to explain what research they had done and how they came to determine it wasnt fraud, they refused to provide me any information. I was told by them, however, that I could email someone at BMW financial services by the name of XXXX XXXX with additional documents requested by them and request to reopen the case. I complied with this request and emailed Ms. XXXX on XX/XX/XXXX with said documents and have never received a response. They would not give me her phone number. I have yet to receive a response regarding the dispute from the 2 remaining credit bureaus, but nothing has been removed from my credit reports and the person who fraudulently purchased the car in my name has not made a payment since XXXX of this year.
I dont know what else to do to resolve this matter and it is destroying my credit that I have worked so hard to maintain in good standing. BMW financial services clearly do not care about my circumstances as they obviously did very little ( if anything ) to investigate and resolve this situation of identity fraud.
|
| 03/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American |
|
In XX/XX/XXXX, I suffered some financial, personal and physical hardships due to Hurricane Irma in Florida.
As a result of my circumstances, I contacted my creditors of which one was BMW financial services. I had heard that they had a disaster relief program that afforded their customers the opportunity to enroll in their loan deferment based on such disaster circumstances and needs.
The terms that were discussed and extended to me was that I would be able to receive up to 3 months skip payments without any penalties. The reason being was that these payments would be placed at the end of the loan and in addition they will not be reported as delinquent to any of the credit Bureaus.
Needless to say, the exact thing they told me would not happened, actually did. From XXXX to XX/XX/XXXXmy credit score was between XXXX and XXXX with no skipped, late or missed payments. I have had a vehicle financed with BMW Financial Services from XXXX, up to present and have never been 30 days late or missed a payment throughout the entire period.
At the end of XXXX, my score went from XXXX to XXXX where it is currently based on the report that was sent to the credit bureau by BMW. In essence, the three months they agreed to not report any late payments, it is now showing 30, 60 and 90 days delinquency on my report via BMW Financial Services.
I have spoken to BMW and they have disregarded everything that was agreed with me and instead seemed more concerned with placing blame and stating what their police is. The fact is that I had other options and would have taken those one of those option rather than have my credit score drop to the such drastic level based on untruths and lies.
In closing, let me say that this situation has already affected my ability to do financial stuff in my life. I have turned XXXX years old recently and had been making plans to buy a small cheaper condo. However, the sudden reality for me now is that my current Credit status has already began to affect my ability to buy something reasonable in XXXX Florida even though opportunities exist.
|
| 06/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XX/XX/2022 - XXXX contacted BMW Financial Services to initiate a Dispute of a negative report of a 30-59 day late on my credit. ( see letter from BMW dated XXXX attached ) XX/XX/2022 - XXXX wrote BMW Financial Services to advise them of an error in credit reporting of the one and only ( ever ) late payment on my BMW lease account in connection with my XXXX XXXX XXXX XXXXXXXX ( Lease Account ending in XXXX ).
XX/XX/2022 - I initiated a BMW Financial Services Credit Dispute, related to a late payment on the above-referenced lease account in XX/XX/2022, which was caused by a Bank error on the part of my linked XXXXXXXX checking account with XXXX XXXXXXXX
XX/XX/XXXX, XXXX I received a response letter from BMW Financial Services dated XX/XX/2022 ( see attached ) wherein BMW confirmed that they reported my account as 30-59 days late ( under the FCRA ).
XX/XX/2022 - BMW verified that a payment submitted on XX/XX/2022 was returned unpaid by my bank as a result of the documented BANK ERROR ( see attached Letter from XXXX XXXX ).
XX/XX/2022 - BMW Financial Services further advised that the payment due on XX/XX/2022 was SATISFIED on XX/XX/2022 ( which was 30 days after the payment due date and resulted in a a 30-59 day delinquency reporting for XX/XX/2022.
** NOTE : BMW stated that my payment was ONE DAY too late as had it been received on the XXXX day, then BMW would NOT have been able to report this 30-59 day delinquency as they had done.
BMW Financial Services failed to complete their investigation within 30 days, as is required. Indeed, to apply the very same " zero-tolerance '' rigor applied to me in being ONE DAY too late in my XXXX payment satisfaction ( caused by documented bank error ), then so too should BMW Financial Services be held to the same strict time standard in their investigation- which they applied to my curative payment.
** CONCLUSION ** BMW Financial Services ' response letter was dated 32 days following my Request for Investigation ( AND 36 DAYS FOLLING THE DATE I ACTUALLY RECIEVED THEIR RESPONSE on XX/XX/2022 ).
|
| 11/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX of XX/XX/XXXX, I cosigned on a car lease with my estranged husband, with him as primary and myself as secondary. Later the following year we filed for the divorce and he defaulted on the BMW lease. As a result, I was forced to temporally pick up the payments and the lease was in good standing until the courts were able to intervene and force my ex-husband to agree to surrender the car and take on FULL financial responsibility for the arrears, including the late payments. After the courts assigned responsibility of the lease/debt, including the late payments, to my ex-husband I had notified BMW Finance and provided them the information hey had requested.
Despite this and being able to substantiate legal responsibility as assigned by the courts, BMW Finance failed to rectify the issue and continued to report on my credit report, including the late payments that were assigned to my ex-husband during the divorce proceedings. BMW Finance also listed my ex-husband on my new vehicle as an authorized person, despite him not being listed on the sales agreement or credit application. The was a blatant violation of my privacy. It also exposed me and compromised the restraining order that I had in place against my ex-husband at the time. Of course, BMWs negligence in doing this provided my ex-husband temporary access to my account until we were able to correct the issue. BMW not only continues to incorrectly report late payments ( that my ex-husband was legally responsible for ) to my credit report, but have also added my ex-husband 's current address ( where I have never stepped foot in, let alone lived in ) to my credit report as one my previous residences. I am asking that in light of the aforementioned, that both late payments and incorrect address be immediately removed from all 3 credit reporting agencies. I also recently paid off another lease that was in good standing through the duration of the loan. BMW failed to report that the financial obligation was met and in good standing to the 3 reporting agencies.
Thank you.
|
| 01/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Mini of XXXX XXXX is a dealership that is affiliated with Mini Financial Services.
Summary : My wife and I paid off a lease of a XXXX XXXX XXXX Mini of XXXX XXXX and received a receipt of the payment acceptance on XX/XX/2022. On XX/XX/2022, the MINI XXXX XXXX XXXX submitted the fully paid-off amount to MINI Financial. On XX/XX/2022, MINI Financial reported receiving funds for the payoff. I do not know why there was a gap between the receipt of funds between Mini Financial and Mini of XXXX XXXX. On XX/XX/2022, Credit Agencies received a Balance Past Due notice from BMW Financial Services ( aka Mini Financial Services ). Also on XX/XX/2022, Credit Agencies received a Paid in Full notice from BMW Financial Services.
The issue is that my and my wife 's excellent credit scores were improperly impacted by Mini Financial Services for an issue that is internal to the Mini organization.
Upon written notice of my complaint, Mini Financial did not respond within 30 days of the notice. They also claim that per the lease agreement, it is our responsibility to ensure that the Dealership actually transfers the funds we paid to them to Mini Financial.
This is a ridiculous business practice as there was no notice or warning given that we were late in our payment according to Mini Financial to even indicate that the payoff had not been received. In fact, if Mini Financial Services allows Dealerships to create leases and payoff leases at the Dealership, they should also take the responsibility for the funds paid to the Dealership to be transferred to Mini Financial. This is an issue between the Financial Institution and the Dealership as their agent and NOT with my wife and me as the consumer who is being impacted by their poor business processes.
Mini Financial has responded to our complaint that their findings stand and they have reported their findings to the Credit Reporting agencies making it even more difficult to remove the credit impact, which again is unfair as this is their business process mistake to fix, not double down.
|
| 02/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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BMW Financial instructed me to make payment through their website on multiple occasions and then hit me for a 30 day late payment when it was not. On XXXX I called BMW and they advised me they were unable to answer any questions or figure out why I was paying strange payments. I paid XXXX on XXXX and then XXXX on XXXX. My actual payment is XXXX after 6 % tax on the lease.
InXX/XX/XXXXa customer service rep said she couldn't take my payment over the phone and to pay on the BMW financial website. I paid it and then I was hit with a 30 day late because they didn't post it for 12 days or pull it from my account.
This month payment they said is 30 days late too from the XXXX payment date. I called in to change my payment to the XXXX of the month back in XXXX so it fit in with my bonus payment and I can pay the lease payment easier that way. I paid XXXX, on XXXX after I got calls from BMW saying I was late, then I paid XXXX, XXXX and called BMW financial to find out why the payments were so weird. They were unable to give me a reason or explain as to why it wasn't showing the normal XXXX payment. BMW allows you to change your payment due date during the lease. I called BMW financial to help me with this and they set it up and charged me {$30.00} to do it each time. it is clear when they were doing this, it was messing up the payments and the due dates they were using and causing them to hit me with a 30 day late payment. I have " 2 '' late payments with BMW financial and they are not my fault, they are BMW financials error. My lease is done soon and this error will prevent me from leasing thru BMW and really any other manufacturer leasing company period. I asked them to fix this and all I get is a the run around and a list full of directions on how to dispute their error. Why does a consumer have to do all the work to fix something they simply pushed a button to mess up. I need this fixed asap to prevent me from having to walk to work. I want to go back thru BMW but this is really unfair and wrong. Please assist me.
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| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I am writing to formally file a complaint against BMW Financial Services regarding a concerning experience I had with their website, which resulted in technical difficulties when attempting to switch my payment method and subsequently caused a late payment on my account. I believe that this late payment is not my fault and warrants investigation by your agency.
Details of the Incident : Account Information : XXXX Number : XXXX Account Holder Name : XXXX XXXX Incident Date : XX/XX/2023 Description of the Issue : I attempted to log in to the BMW Financial Services website to switch my payment method to a new one and to make my monthly payment. To my dismay, I encountered severe technical difficulties on the website, preventing me from completing these essential tasks in a timely manner.
Specifically, the issues I faced included : Inability to access my account : Upon attempting to log in, I received error messages and was unable to access my account.
Payment method change failure : Even after numerous attempts, I could not successfully change my payment method to the new one I intended to use.
Payment submission issues : The website continuously displayed errors when I tried to make my payment through the available online payment options.
Consequences : Due to the technical difficulties I experienced on the BMW Financial Services website, I was unable to make my payment on time, which subsequently resulted in a late payment. I firmly believe that this late payment was not due to any fault of my own but was solely the result of the website 's malfunction.
Attempts to Resolve the Issue : Following the incident, I promptly contacted BMW Financial Services customer support to report the issue and request assistance. While they were able to accept my payment over the phone and assured me that my complaint would be addressed, I have not received any satisfactory resolution to date because the late payment first hit my credit report on XX/XX/2023, was removed on XX/XX/2023, and was reinserted on XX/XX/2023.
|
| 03/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX, XXXX XXXX, XXXX Re : Account Number XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company BMW Financial, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney or sell it to another Creditor without providing proof of the original contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations.
Sincerely XXXX XXXX
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| 01/23/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I, XXXX XXXX, leased a new XXXX BMW XXXX on XX/XX/XXXX. Did a lease transfer on XX/XX/XXXX, approved and authorized by BMW XXXX. I, the original lessee, signed the transfer agreement on XX/XX/XXXX, the new lessee, XXXX XXXX signed the agreement on XX/XX/XXXX. The transfer was then completed. I then shipped the vehicle to XXXX. the transfer agreement is now exhibit XXXX.
XXXX then went to California XXXX on XX/XX/XXXX, filled out a vehicle/vessel transfer and reassignment form, without my knowledge and consent, said the original title owner was me ( should be under BMW XXXX XXXX, forged my signature and did a questionable title transfer to himself, XXXX then XXXX the legal title owner to the BMW XXXX XXXX the vehicle/vessel transfer form is now exhibit XXXX.
BMW has now repossessed the vehicle, and BMW financial has now sued me for : 1 : fraud 2 : breach of contract 3 : common count 4 : declaratory relief 5 : quiet tile 6 : injunctive relief amount of claim {$73000.00}. in addition, BMW is trying to rescind/void the lease transfer form which both original and new lessee signed and approved by them, on XX/XX/XXXX.
BMW financial has never try to reach me regarding this matter. my phone #, email and address has not changed. I only found out about his XX/XX/XXXX, from the complaints served by XXXX XXXX XXXX XXXX XXXX.
I have not breach my contract. credit report shows my account opened with BMW on XXXX was closed, paid and never late. I have not transfer vehicle title ( it's impossible because it was a lease ) lease assumption was approved by BMW financial. they have no right to rescind/void signed contracts at their own free will.
according to exhibit 3, the lease transfer agreement was signed by me on XX/XX/XXXX. after that date lease is transferred and I am no longer responsible for the vehicle. BMW is now trying to blame me for their mistake, rescind the transfer, make me responsible for the remaining lease payments, pay for their damages and attorney fees while the vehicle is in the possession.
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| 11/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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ON XX/XX/20 ; I Contracted to Finance a Used CPO XXXX ( XXXX UNDER VIN # XXXX with XXXX, ) ; Unfortunately I was manipulatively denied not able to TEST Drive this XXXX ( XXXX ) ; Since It was supposedly being immediately Reconditioned for me, from sitting on a Lot waiting to be Serviced from off a 3Yr LeaseXXXX ReturnXX/XX/20 ( XXXX ). I was Re Driven By Sales Rep-XXXX to XXXX ( XXXX XXXX XXXX Showroom, and Nevertheless Once the X6 Became available it was near closing time-XXXX, By This Time I had already partially Signed papers inwich ( later noticed different Amounts, and was Ushered Out of finance Office from meeting with Finance Mgr-XXXX. On XX/XX/20 this Evening, I have driven taken Vehicle home for the first time..I was Informed by Male Stranger, as I was parking One of My brake light was out. The next day-The radio shut off ( 2x ) ..This XXXX- XXXX Appears to be exhibiting Electrical Problems, While Driving it also Sounds appears to be Driving Heavy in Uphill Mode ( Dragging ) ... The vehicle has been Scheduled for Svce repairs ; However I Had to cancel Svce XX/XX/20 date. By This Time I had already XXXX Decided to CANCEL-XXXX Warranty-TIRE from addt'l XXXX, informed-XXXX Worth XXXX ) ..This XXXX Warranty just so happens to Cover all the INITIAL Repairs that SHOULD have been taken care of Already PRIOR TO SALE..Rim Repair-painting, Small Blemishes-Paint-PANEL-Bumper Dings-Nicks, XXXX XXXX, XXXX..IT APPEARS OPENROAD WAS HAVING ME/BUYER ..IMMEDIATELY UTILIZE MY WARRANTY TO TAKECARE OF THIS RETURN OFF LEASE REPAIRS ( Still Have me Finance the OVER XXXX, ) ..NEW Worth XXXXonce Discovered, and calls became scarce-I CONTACTED XXXX XXXX XXXX Rel ( XXXX, Concerning being DISCRIMINATED from Prior-four XXXX Dealerships ) .On XXXX was informed, and left several Msgs to Contact Mgr-XXXX XXXX ; Until present - Mgr-XXXX never became available.This JUST OFF3YrLEASE RETURN with Repairs..XXXX Is Not Worth Excessive XXXX. ..- ( XXXXMnths ), Entitled to XXXX Price, and Renegotiate Normal price for Condition.
|
| 07/27/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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|
Web |
Servicemember |
|
BMW financial reported on our credit report that payments were not made for a 60 day period for my auto loan during the time I had a lease on a XXXX XXXX. This particular car was in the repair shop for over 8 weeks total over the time of the 3 year lease - the late payment that is being reported on both my wife and my credit report was during the period the dealership that sold me car said they are trying to get this car lemon under the lemon law of the state of Florida. Previously to this situation all payments to bmw financial were always made on time. The dealership told me they were actively trying to get the car fixed or replaced in a timely manner since my situation fits the criteria to have a new car so I held my payments with the anticipation that it was going to be done like the said and it would be quick. They also recommended that if I called XXXX XXXX and let know my concerns maybe they would help move the progress along. I wrote to the CEO directly and called bmw financial and explain my situation. I told them that I am holding my payments per the dealership because that may help them move on get the situation corrected - I trusted the dealership because I had bought XXXX cars from them before and believed that they would get this corrected. however, that did not happen I did not get the car replace but what XXXX did was to give XXXX or XXXX payment back for the time for the time I did not have use of my vehicle but that being said they still marked my credit report for delinquent payment even though we were trying to work out this situation. I have written to the credit bureau to get this resolved but it has not been corrected - the loan has been closed but both my wife and my credit report has been adversely affected for no fault of our own. XXXX acknowledge it was their problem but I am being hurt because no one communicated with bmw financial. Prior to this situation we did not have any late payments to bmw what so ever but now its adversely effecting my ability to gain credit.
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| 03/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My husband purchased a XXXX XXXX XXXX XXXX XXXX and financed it through BMW Financial.
The vehicle was paid off in XX/XX/XXXX. We never received the title or lien release letter.
My husband passed away XX/XX/XXXX. When I went to change the title and license it, the court house told me it still shows a lien on the vehicle.
I called BMWXX/XX/XXXX and sent the will and death certificate attn : XX/XX/XXXX to customerdocuments@bmwfs.com. XXXX promised to call me back. NOTHING On XX/XX/XXXX I sent another email, and all I got was a response I could not use that email for correspondence.
XX/XX/XXXX I called again, and was told that because the will wasn't stamped, XXXX couldn't call me back. She meant through probate court.
XX/XX/XXXX I spoke to XXXX and explained to him that when I got in touch with XXXX County Probate Court Cordinator, she refused to put me on the docket for a lien release letter. There is nothing about my husband 's estate that warrants probate. This is the ONLY issue we have. XXXX asked me to send him the email from probate and he would call me by the end of the day. NO CALL.
XX/XX/XXXX I spoke to XXXX, who told me that the way I fwd the email was not acceptable and that is why XXXX could not call me back. I then printed the email and attached it and sent it attn. to XXXX and XXXX. Again, no call back from either one of them.
Today,XX/XX/XXXX, I have spoke to XXXX who stated that XXXX told him that this is at a supervisor 's desk, XXXX, and when she gets through reviewing it, they will get back to me.
I asked to speak to another supervisor, and was told no, because it is in XXXX 's hands. NO ONE CAN HELP ME. I ONLY WANT THE LIEN RELEASE LETTER. I HAVE PROVIDED DOCUMENTATION THAT IS VALID TO RELEASE LIFE INSURANCE, 401 K FUNDS, BUT BMW IS REFUSING TO GIVE ME A LETTER WE SHOULD HAVE HAD OVER A YEAR AGO.
I need to license the vehicle so I can drive it. I need it to work.
I hope you can help me, I can not afford an attorney for this.
XXXX XXXX XXXX XXXX
|
| 09/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
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Hello, In XXXX of XXXX I wanted to trade my XXXX XXXX in for a XXXX. I wanted the same exact car, with the same upgrades re XXXX XXXX, XXXX XXXX, XXXX XXXX etc. When I called to begin the process I was told that my sales guy, XXXX XXXX, had had a XXXX and that he was unavailable. They promised to " take care of me. '' They did not. I went to the XXXX XXXX, CA dealership where I had purchased my XXXX XXXX from XXXX and they introduced me to my sales person, I had spoken with him on the phone prior to arriving and I told him what I wanted and he said they had it - " same color, same upgrades, everything. '' Since I had such a great experience with XXXX, I trusted this guy. We did the paperwork, and I left with the car. On my drive home to XXXX XXXX I felt that the leather was not the same as in my XXXX - the XXXX XXXX. Long story short, the next morning I researched the vehicle through my friend XXXX XXXX, who was the XXXX at XXXX XXXX XXXX, and he called his friend at BMW and the BMW representative told him that they sold me a base model. They totally lied to me and did not give me the car I requested. I immediately called them and told them I wanted to return the car and get what I wanted. They flat refused. I tried for a few days to get them to work with me and they would not. I was crushed and thought I had exhausted all my resources and so I went and voluntarily repossessed the car. It has been on my credit ever since and has caused me major issues i getting credit, buying property, and more. I only just this morning learned of cfpb from my sister, hence my filing this report six years later. I also plan to pursue legal action, as I understand I have rights in this type of situation from a legal perspective, as well. I have tried many times since XXXX to get BMW to remove it from my credit, but they flat refuse to do that either. BMW and BMW Financial took advantage of me and sold me somehting I did not want or ask for, but was told it was what I wanted when it was not.
|
| 05/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I have up until now been a satisfied XXXX owner and have leased at least 6 vehicles and negotiated probably a dozen more for friends or clients. In XX/XX/2017, I realized I would drive more miles than I was contracted for so I spoke to a XXXX agent and purchased additional miles for the term of the lease. The agent confirmed that I would receive a cash credit for any extra miles unused. However, when I got my lease end statement, although the statement shows a total mileage credit of {$1500.00} and after legitimate charges, a net credit totaled {$560.00}, but instead of being paid this sum, the statement shows " other charges '' zeroing out the {$560.00}. I called and spoke with the manager XXXX at XXXX who said it was " XXXX policy to not reimburse overpaying for miles. '' I explained to XXXX that the XXXX agent told me the exact opposite and that's why I liberally purchased the miles that I did. He said he would research it. I asked for documentation at the time of my purchase showing this policy as if I had seen I would have immediately cancelled or revised my purchase. He said he would check for that and the associated phone records. He left a voicemail the next day but with no details and no direct line, only the general 800 number. I had to go through the whole process again as if it were my initial call until I got an agent that could pull my record. That agent said that there were notes on my file that said, " if customer calls back, tell him XXXX is not reimbursing him, XXXX. '' There was no additional substantiation and the agent was unable to provide any other details. I told the agent to document that I was completed unsatisfied and that I would be filing a complaint with the CFPB for a full reimbursement as I am sophisticated buyer and had closed many leases and would not tolerate this mistreatment. She offered to get XXXX on the line, but I had already told him that I would require reimbursement otherwise I would be contacting the CFPB.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW financial services acc # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX XXXX XXXX
|
| 06/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, and 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases.
The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX and XXXX credit report.
The information for this account listed on my credit report is : CREDITOR : BMW FINANCIAL SERVICES, BMW FIN SVC, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$57000.00}
|
| 06/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I purchased a vehicle and financed through BMW. The payment is on auto-pay via my bank. I have sent in additional funds to pay down the principal ; there is not a penalty for doing so. However, instead of immediately applying the additional funds to the principal in order to keep from accruing the daily interest, the company is placing the additional funds on hold towards a future payment. I called the company and the finance officer told me they are doing this to help me out, just in case I am not able to make a future payment. As stated, the payment is auto-paid. He indicated that the additional funds will be applied to the principal if I go in and request a pay-off quote, the date of the request will reflect the application of the additional payments towards the principal. I feel this is a scam and unethical. I am paying the payment in full and sending in additional funds to be applied to the principal. Instead of immediately applying the additional funds to the principal, they are sitting on the funds, while the account continues to accrue daily interest.
IF they insist that the account is not accruing additional interest, then make it so that the additional funds paid ( beyond the payment due ) are immediately applied and not held towards a future payment. I am only required to make XXXX monthly payment. Beyond that, any additional funds submitted should be immediately applied to the principal. Who are they to manage my finances and place funds on hold to determine whether a future payment will / won't be made. They payments are on auto-pay. They will receive their monthly payment. The manner in which they are managing my account is unethical. I'm really surprised to have this experience with this company. I thought BMW was above this type of consumer abuse. Particularly since I feel I have been a loyal customer. BMW is/was my brand.
This is a major company. I do not understand why the need to play games with consumers.
|
| 02/12/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
BMW has illegally shared my financial information with a third ( non-affiliated ) company who continues to try aggressive debt collections pretending to be law enforcement officers and very aggressively have tried to confront family members or gusts at one of my properties. These third parties have aggressively come to one of my residents at odd hours, aggressively knocked on door trying to intrude my privacy, as one instant listening on the door and trespassing and trying to violate my family privacy rights. They have tried to hide their identity and pretend to make it as they are law enforcement officers.
That is in direct violation of 15 U.S.C.1692f ( 6 ) ( unfair practices ) ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; BMW has also violated my privacy illegally sharing my personal information with a non-affilated third party private investigation company named " XXXX XXXX ''.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; Such sharing of personal information with third parties without my knowledge is truly a violation of my privacy rights these are illegal third-party violations issued by XXXX XXXX XXXX
They have been trying to approach my family members at odd hours such as XXXX XXXX or XXXX XXXX and they are aggressively peeking through windows of homes and using deceptive practices.
|
| 03/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
Older American |
|
My complaint is against BMW of the XXXX XXXX in XXXX XXXX New York. I feel I was swindled out of my cars that I traded in to purchase another car, One was a XXXX XXXX with XXXX miles on it, and the second was a XXXX XXXX XXXX ( which was my Daughters car ) and it also had a low mileage. However, By misleading advertising and showing me copies of other cars that were going for that price .... ( scamming ) but it was a figfetent car, and werent my car I wasput under stress with two people tryigtoconvince me theywere doingme a great service ..., and they did this to convince me that what they were offering me was the correct price. I didnt recognize the problem until after I made the purchase and I have not been able to communicate with them. They are refusing to answer my phone calls and to set up a meeting to discuss this issue. I have the documents that show the price of the cars that I sold to them well way undervalued. They sold me a car for {$41000.00}. Yet they gave me {$14000.00} for a XXXX that was only 2 years old, and I paid almost XXXX when I purchased it for my daughter.
I was showed a false advertisement of another car that value was that amounts. Which they put off on me as if it was my car. They still have it on all mystatements as a XXXX XXXX XXXX, with over XXXX miles on it. And thats where they came up with that number. I was confused, I was rushed, I didnt read everything through because of the pressure I felt I was under. And when I went back to swap back out the deal they refused to even speak to me at that point. I felt I was scammed, swindled, information was ' mis represented t to me. Yet I feel now they are avoiding and ignoring me and refusing to discuss it. So I have tried everything to settle this matter I still have the car I wanted to back out the deal with ; the XXXX. They refused to speak with me in regards to this. So Im asking you for help ... XXXX XXXX telephone number XXXX.
|
| 09/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
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XX/XX/XXXX - When I got my used car from the dealership, I believe I was misled about the vehicle 's terms.
When I turned in my XXXX XXXX, I was told one thing and given another. I was unaware that they were marking up the price of the car I was purchasing to devalue my trade-in value. My XXXX was valued at trade in at {$18000.00}. During the purchase the salesman never expressed the rate nor length of the note. I was only understanding what my monthly payment would be never explained how that payment was derived. I feel the tactics used by NEVER being made aware of the amount being financed and the total amount of the purchase price was predatory - the XXXX XXXX XXXX and the average sales price for the exact make and model I bought at the same time ranged from $ XXXX XXXX dollars. After reviewing my loan documents, I was appalled to find that the price of the vehicle I purchased was marked up to {$50000.00} after applying the trade-in and positive equity for the XXXX XXXX XXXX XXXX {$11000.00} after payoffs. I still ended up XXXX {$33000.00}. As of today I still owe {$26000.00}, putting my auto loan underwater and stuck with negative equity for years to come.
In addition, when I bought the car, they said that the XXXX XXXX XXXX was included and that I just had to get it from the store. After calling the dealership XXXX and talking to multiple people, they finally told me that the XXXX XXXX did not have this feature - after it was too late to return the car. As a minority woman, I feel like I was taken advantage of by being told a reasonable payment of 6 years added above the interest market rate when rates were near 0 % at purchase. I realize now that the purchase price was marked up on average {$15000.00} to {$20000.00} over the fair market price. When I went to discuss this with XXXX, I was dismissed and thought that there was nothing I could do until a financial advisor told me about this resource.
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| 08/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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OnXX/XX/XXXX BMW Financial Services dba XXXX XXXX XXXX loaned me {$43000.00}. This amount was to purchase a brand new XXXX XXXX XXXX XXXX LT price : {$35000.00}, plus {$7000.00} for the car that I traded in that i still owed another lender, for a total of roughly a {$43000.00} loan.
Shortly after recieving the car I recieved notice that my licence would be suspended if i did not pay off over {$20000.00} in city of XXXX parking tickets in full. I had no choice but to file bankruptcy.
The car was brand new and could not be included in the bk. So the automatic stay was lifted and i continued to pay for the vehical outside the bk.
Against court order BMW financial proceeded to collect payments inside and outside the bk, even after recieving calls and notices from me to correct this information and filing motions in court, BMW Financial continued recieving payments from myself and the bk trustee simultaneously resulting in an overpayment due to me. I recieved the overpayment check however the damage is done. BMW financial not only repossesed my vehical onXX/XX/XXXX when i was not in default, and after years of regularly accepting late lump sum payments, they have also reported to the 3 major credit reporting bureaus that i owe a sum of {$69000.00}, for the XXXX XXXX XXXX XXXX. The the vehical was only {$35000.00}, this malicious act resulted in a dramatic decrease in my credit score, lossed wages, job oppurtunities, a home loan, and educational loans for my child who is going away to college. BMW financial has since changed the information to a lower incorrect amount, however my credit score dropped XXXX points as a result.
I have asked for validation of the prior repossession and current debt in writing but my requests are being ignored. Again I would like to request the validation of the debt at the time of repossession on XX/XX/XXXX and validation of the current debt that is being reported to my credit.
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| 04/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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I reached out to BMW financial services to correct issues around my trade-in of my other vehicle. It took BMW financial services four months to post the payoff I reached out on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. The problem is the account is reporting 19 payments late and those payments have been reporting for more than three years which does not support the term of the loan. At the time when I first noticed the inaccuracies I reached out immediately BMW made the adjustment and delete it from one credit Bureau agency however they have not cleared the matter from all the credit bureau agencies. I called BMW on several occasions and was told I could not speak to anyone regarding the credit department that I would need to write a letter I have written six letters and not heard back from anyone over the past 2 1/2 years. I went to refinance my car these issues came up again that BMW is reporting 19 payments late or 19 payments past due and I have never been been late on my vehicle beyond one month. I was under a program that extended my payments for three months and paid the {$80.00} fee which push three payments to the end of the loan however I pay those funds well in advance and I am above and months ahead on my car note. I would like for BMW financial services to correct my credit bureau immediately and adjust those late payments that they are reporting as they are hindering me from moving forward into purchasing a home and making larger purchases. I am trying to start a business and this has been causing me some significant problems. I have a security clearance that Im reporting and have this listed and its been listed for four years as an ongoing recurring dispute. I need BMW financial services to correct their errors or be penalized for false information and cause an eminent harm to an innocent creditor who has been paying her bills timely
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| 08/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Original notice of Dispute to BMW Financial Services was signed for and received by them on X/XX/2017. I advised them they must validate the debt and " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
They did not respond within the 30 days required by the FCRA & FDCPA. I sent a follow up letter notifying them of their violation. They received and signed for the 2nd letter X/XX/2017. They sent a letter X/XX/2017 stating they did n't believe it was from me and that they thought it was from a credit repair company and their policy is to only respond to requests sent directly by customers. This was their attempt to disregard the fact they had already broken the law with their failure to respond within 30 days to my original letter.
I sent a follow up letter which they received and signed for on X/XX/2017, notifying them " There is no verbiage in the Fair Credit Reporting Act or and/or the Fair Debt Collection Practices Act that allows for a creditor to not respond or place a " notice of dispute '' on my account within 30 days of my dispute due to a " reason to believe '' the request was n't sent directly by the consumer/me. Further, there was no attempt within the original 30 day timeframe made by BMW Financial Services to inquire as to whether the request was sent by me, it was assumed it was n't me. My original dispute was legally valid and you failed to respond within 30 days, period. '' There has been no further correspondence sent by BMW Financial after receipt of this letter on X/XX/2017 and they still have not placed a " notice of dispute '' on my credit report nor have they " validated the debt ''.
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| 11/26/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Greetings. I have had a total of seven leases with BMW and never had a problem. My last lease from XXXX was paid in full. I went to buy a new vehicle in XXXX and was told I owed BMW XXXX from a previous lease XXXX. He made absolutely no sense because each time I turn in a lease I get a new vehicle the same day. I purchased a new vehicle since that lease from bmw. I did not have supporting information with me in person so I pay the amount they said was old and figured I will dispute this with my documentation I have at home. BMW sent an email in XXXX of XXXX via PDF that clearly states I have a XXXX balance it is attached below. Once I found the documentation in my email I began contacting BMW about a dozen times. Each time I was met with belligerence, disrespect, rudeness by XXXX XXXX. For some reason I kept getting the same person and he outright refused to give me a supervisor or anyone in Upper management. This continued for months. I finally spoke with XXXX XXXX in XXXX she verified the XXXX balance and sent me supporting information to dispute the amount with credit bureaus and with BMW. I have disputed the information and had my bank refund me the amount. Since then BMW has intentionally attacked my credit three times. Each time they report this as a collection my credit score drops and at this point it's been a total of XXXX points. Additionally on the credit report it clearly shows each time they reported it to collections. They have not tried to make any type of resolution and each time they have a XXXX male contact me he is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to file a complaint I would like this to be resolved I would like my credit to be restored. I have had excellent credit for over 25 years and this is intentional. I do not owe a debt as the documentation I have from them via PDF clearly states there is a XXXX balance
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| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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In XXXX, I turned in my BMW XXXX months early to upgrade to new lease. XXXX XXXX, the XXXX, from BMW XXXX XXXX, offered to pay my last XXXX months XXXX and new lease would start in XXXX. We signed the deal.
Approx around XXXX I started to receive collection calls stating I owed {$380.00} from BMW Financial XXXX They never fully explained what the {$380.00} was for. I explained that Manager, XXXX XXXX BMW XXXX XXXX paid XXXX months of my lease so I could upgrade and start new lease. I began to contact both XXXX ( my salesmen ) and XXXX XXXX and BMW XXXX XXXX. They submitted proof to BMW Financial that this was paid. I continued to receive calls and I continued to refer them back to XXXX and send them his correspondence with me. Finally, the calls stopped. In XX/XX/XXXX, I received a call and explained to the man on the phone and I said I can send proof. He said it wasn't necessary and that I should just pay it. That it would be easier to pay it. I said no, I do not owe you that money. In later XX/XX/XXXX, BMW financial reported this amount to my credit and marks it as late every month. I did a dispute in the XXXX app and send all the information again from XXXX XXXX XXXX and correspondence and they denied my claim. This whole thing doesn't seem legal and is shocking that BMW would treat an 8 year loyal customer with impeccable lease payment history like this. They also never fully explained the {$380.00} amount, my lease payments were much higher than this. This should've been handled between BMW financial and BMW XXXX XXXX.
Here is a copy of XXXX of XXXX XXXX 's messages to me Like I mentioned in yesterday email, we made XXXX payments from XXXX to XXXX on your behalf and since your lease ends in XXXX, XXXX does not require you to make the XXXX payment. You need to find out what payment BMWFS is asking for.
Hoping for immediate resolution and my credit to be mended ASAP.
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| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE!
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/2021 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX Account Number : XXXX Please remove it from my credit report.
6. BMW FIN SVC Account Number : XXXX Please remove it from my credit report.
7. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
8. XXXX Account Number : XXXX Please remove it from my credit report.
9. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
10. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
11. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
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| 09/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I remitted a payment of {$12000.00} to BMW BANK OF NORTH AMERICA, with correspondence addressed to XXXX XXXX XXXX, XXXX, AZ XXXX, on XX/XX/2023. This payment was dispatched via certified mail. Simultaneously, I forwarded a duplicate of this payment communication to XXXX XXXX XXXX, the Chief Financial Officer ( CFO ) of BMW Financial Services NA , LLC, located at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX.
Subsequently, I dispatched a series of three formal notifications, each requiring compliance with fiduciary obligations pertaining to the allocation of principal funds to account # XXXX. These notifications included explicit instructions outlining the desired actions for the account. Furthermore, it was explicitly communicated that I, representing the principal, XXXX XXXX, accept all titles, rights, interests, and equities associated with said account.
All notifications were transmitted through certified or express mail services and were successfully delivered. The second notice was dispatched on XX/XX/2023, while the third and final notice, serving as a default notice, was sent on XX/XX/XXXX, and officially received on XX/XX/XXXX.
Regrettably, the CFO failed to fulfill the aforementioned fiduciary duties as directed. I, as the authorized agent for the principal, have consistently acted in good faith, yet no corrective actions have been taken. Instead, I have been subjected to persistent harassment demanding further payments. Regrettably, this situation has led to the car being classified under repo status, with claims of non-acceptance of the initial payment. Consequently, this has adversely impacted my credit score.
Additionally, I have provided references to relevant sections of the Federal Reserve Act, specifically Section 16 ( 1 ), Section 16 ( 2 ), Section 29 ( b ), and Section 29 ( c ), in an effort to ensure full compliance with applicable regulations.
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| 03/08/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I had a BMW 640i on a 36 month lease term with BMW Financial Services as the first payment on XXXX/XXXX/XXXX following by 35 payments due on the XXXX day of each month.
On XXXX/XXXX/XXXX, I traded in the car and leased a new car from the XXXX BMW XXXX ( a BMW dealer ). The BMW dealer told me that they will take care of all the paper work with the BMW Financial Services and pay off the remaining balance for the car.
A few days later, I notice that another {$860.00} monthly lease payment was deducted from my bank account on the car I already traded in. I discussed with the BMW dealer and was informed that either the BMW dealer or the BMW Financial Services will refund me the payment in 6 weeks.
After XXXX months, this has n't been resolved. I wrote a letter to the BMW Financial Services to state the situation of the transaction and I should not pay for XX/XX/XXXX since I did n't own or have no possession or usage. The BMW Financial Services informed me that the {$860.00} monthly payment was withdrawn through electronic auto pay on XXXX/XXXX/XXXX, and dealer payoff statement already included this payment. They indicated that there was no refund since there was no overage in the account which was already paid off and closed. They told me to discuss with the dealer as this was between me and the dealership.
It is now XXXX XXXX, after numerous email and phone communications with the BMW dealer and the BMW Financial Services, both of them denied to refund my payment.
It is very clear that the BMW Financial Services withdrew the {$860.00} monthly payment on XXXX/XXXX/XXXX while I traded in the car on the same day and the BMW dealer was the new owner from XXXX/XXXX/XXXX and after. Since I have informed the BMW Financial Services these facts, the BMW Financial Services should correct the payoff to reflect the proper ownership of the car and refund me the payment.
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| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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We leased a new BMW on XX/XX/2020. Then COVID-19 happened. My husband is an XXXX and became completely consumed with responding to COVID calls around the clock at the height of the pandemic in our area. In addition, we both had to work remotely, adjust our family with XXXX kids learning remotely etc.
We had a major delay in getting all mail that was to go to my husband 's office, and mail in general. Due to this chaos of the situation, I missed payments on the BMW. Once I realized that I missed payments, I paid all in full.
Here are dates of payments : XX/XX/2020 we picked up the car from the dealership XX/XX/2020 made a payment of {$440.00} XX/XX/2020 payment made of {$1300.00} ( three payments ) XX/XX/2020 payment made of {$440.00} XX/XX/2020 autopayment made of {$440.00} XXXX after this date monthly payments have gone through automatically. ) I also found out that BMW made a report to the credit agencies right away which severely damaged our credit, making financing no longer an option. We had a loan in the works which we no longer could get.
I contacted BMW multiple times, and they stated they called us ten times to my husband 's office, which we have no record of at all. This was being monitored as part of his work so it was very concerning that they stated this. In addition, I have record of delays in the mail from when I sent a letter to BMW and it took almost a month to arrive.
As it was clear we were responding to a global pandemic, and not trying to get out of payment, I was hoping BMW would reverse the report on our credit. I sent multiple letters to BMW and later tried to access their Consumer Complaint Department. I was denied any assistance each time.
I will upload all correspondence, copy of statement from BMW, copy of statement from XXXX XXXX showing payments, photos of credit scores and documentation of delay in mail.
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| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW FINANCIAL SERVICES Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
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| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW FIN SVC - Account number XXXX Late payments - The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
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| 07/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My name is XXXX XXXX, I always make my payments on time even during the pandemic, even when I struggle financially. I understand the importance of maintaining a good credit score and report, I understand that it's my reputation and my name and allows me to act in the business field, and take actions that are the right ones for me. Obligations that may lead me to results that can develop my business or even purchase houses and use my rights to take the right actions I wish to.BMW Financials has made a mistake in reporting a late payment- they had a mistake with charging the wrong account- an account that was closed, the payment has been returned and there was no notification about a payment that has been returned, nor notified us that they intend to report to the credit Bureau on a late payment!
I called BMW Financial right away, since I know we made this payment already! and found out, that by accident they tried to charge an account that was never used before for this car- XXXX XXXX XXXX account, which was closed due to a fraud claim in the past. We logged during XX/XX/XXXX different times, in different days and there was no payment due for XXXX. XX/XX/XXXX we noticed that 2 payments had to be made, we called them and they claimed that no payment was processed during XXXX and notified us that the payment has been returned.
I asked BMW : why no one sent us an email, called, and why is did not appear on their website that the payment was due? They claimed that they called- when I asked to which phone number, they said that they don't have that information.
They accidentally charged the wrong bank account and now, it affected my credit and XXXX XXXX XXXX credit.
It seems like the are careless about reporting and negligently reporting late payments of the clients. After almost 3 years of payment that has been paid by an autopay!!!
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| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW FIN SVC - Account number XXXX Late payments - The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
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| 07/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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I am writing for immediate assistance as I am furious with BMW and XXXX regarding erroneous and incorrect credit reporting done on my account.
On XX/XX/2020 the loan on my XXXX XXXX account ended. I contacted BMW and was told that I had the option of paying the car off in balloon payment, getting a new XXXX or refinancing through your third party refinance company XXXX. I was told by BMW that I had 30 days from XX/XX/XXXX to make a decision before any credit reporting would be done. On XX/XX/XXXX I contacted XXXX as I decided to apply for a refinance for this vehicle. This refinance was approved on XX/XX/XXXX. I specifically asked and was told that as of this date, XX/XX/XXXX, that my account would be placed in a hold status with BMW and no negative reporting would be done as the account was in a refinance status. So to my surprise when I wake up this morning and see that BMW has reported me as 30 days late on this loan and caused my credit score to drop 47 points. I am completely furious and demand this is corrected immediately.
The facts of this are below : On XX/XX/XXXX the old Account expired. I contacted BMW for options to keep the car or get a new car and was referred to XXXX.
I applied for the refinance of the XXXX and was approved on XX/XX/XXXX by XXXX. I asked the representative on this call and numerous times after if I would be reported as late by BMW and was told NO I would not be reported late as the account was placed in a hold status on XX/XX/XXXX.
On XX/XX/XXXX the loan with XXXX was initiated.
On XX/XX/XXXX BMW received the payoff for the old loan.
New loan began.
I am demanding that BMW correct my credit report immediately or I will seek legal action against BMW and XXXX for this erroneous and incorrect reporting. Please respond with your intent to have this corrected immediately.
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| 08/02/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I leased a new XXXX BMW. It has been defective for nearly every month during my leasing experience. It remains defective. I believe it will always be defective and will NEVER stop being defective.
I contacted BMW Financial Services, which is the single most ethically-challenged company in the history of the world. I was told, in a letter, that I could " return the vehicle to a BMW dealership. '' I did this. BMW Financial Services, because it can not do anything without misleading or misrepresenting, blocked the BMW dealer from paying off the car.
So, here is what I have. I have a letter from BMW indicating I could return the car to a BMW dealership. The letter is a pure misrepresentation, as BMW declined me from doing so after it wrote the letter.
Now, as a result of my latest complaint, BMW Financial Services has issued me yet another letter. Now, despite the language in my lease or their previous letters, their latest creative misrepresentation letter says : " As stated in our previous response, pursuant to the terms of your Motor Vehicle Lease Agreement ( Lease Agreement ), you have the option to either purchase the leased vehicle or terminate the Lease early by returning the vehicle to a location selected by BMW XXXX and paying the amount due under either Option A or Option B of Section 30 of your Lease Agreement. Pursuant to Section 35 of your Lease Agreement, you may not transfer the vehicle to a third party without the prior written approval of BMW XXXX. A copy of the Lease Agreement is enclosed for your review. '' So, now, I am asking BMW Financial Services to provide me, in writing, a full and exhaustive list of " locations '' where I may return this wholly defective car which has always been defective, is currently defective, and will always be defective.
I'll wait for you next response.
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| 08/12/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/XXXX 2021, at XXXX XXXX PST, a warning alert regarding the chassis issue of XXXX Bmw XXXX came on the dashboard. Call promptly made to XXXX XXXX BMW service center around XXXX XXXX in XXXX XXXX, CA, but service center was not open. Appointment made for XX/XX/XXXX, Monday for service drop off and the vehicle was dropped off then and a temporary loaner XXXX BMW XXXX loaner was provided. On XX/XX/XXXX, service advisor informed owner that the car will undergo long term repair since the entire car computer ( DME ) will be replaced ( essentially a pin in the DME was bent, causing electrical shortage and the car was defective since start of lease in late XXXX ) ; it will take at least 15-20 business days since the part is backordered and imported from XXXX. On XX/XX/XXXX, owner requested alternative loaner car since now the repair is long term and asked for an equivalent car in value, especially since lease payment is on a higher priced vehicle. Service advisor stated only have Bmw XXXX and XXXX in stock and they have no control over XXXX XXXX XXXX inventory for loaners. Owner asked for adjustment to lease payment to reflect the actual vehicle used and provided. Service advisor suggested to contact BMW North America. Owner called XXXX BMW Customer Relations on XX/XX/XXXX and XXXX, a representative said this will be forwarded to the Escalation team who will contact the Service Department regarding the car history and response will be one business day. Owner called BMW Customer Relations on XXXX ( XXXX ) and XXXX ( XXXX ), and there were no updates provided. BMW Customer Relations also could not provide any email confirmation or any written trail
that there were any follow-ups performed by BMW North America.
BMW of North America, LLC XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Customer Relations XXXX
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| 07/28/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I had traded in my leased BMW vehicle, a XXXX XXXX XXXX XXXX, to a XXXX dealership on XX/XX/XXXX when I purchased another car. On that same day, I had requested and received a payoff letter from BMW Financial Services showing a payoff amount of {$27000.00}, specifying that it may be titled to the original lessee ( me ) or a " licensed automobile retailer ''. This payoff amount was listed as being valid until XX/XX/XXXX, and I have attached this letter to this complaint.
I traded in the car to XXXX XXXX of XXXX, which is a dealership licensed in the state of California for retail car sales. XXXX sent funds in the amount of {$28000.00} to BMW Financial Services ( they had obtained a payoff {$1000.00} higher than the one sent to us ). This payment was received and processed by BMW Financial Services on XX/XX/XXXX.
On XX/XX/XXXX, I received a letter from BMW Financial Services stating that there was a balance of {$5000.00} on the vehicle, and that the payoff was actually {$33000.00}. This is not what their original payoff letter on XX/XX/XXXX stated, nor is it the payoff amount that the XXXX dealer obtained prior to mailing the payoff funds to BMW.
Upon calling BMW, they stated that there was a {$6000.00} discount applied to the direct customer purchase of the vehicle. As is clear in all payoff documentation that we have received, this was never specified, implied, explained, nor stipulated in any way whatsoever. This also does not explain the different dealer payoff amount that was obtained by the dealer which payed off the vehicle. Again, the only stipulation mentioned anywhere in the payoff letter provided to us is on page ( 3 ) of the attached payoff letter in which they state " Due to state regulations, the title can only be transferred to the original lessee or licensed automobile retailer. ''
|
| 09/13/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
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Web |
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To all parties concerned at the CFPB, FTC, and office of XXXX Attorney General XXXX XXXX, On XX/XX/2022 at XXXX I arrived for an appointment to extend my credit in good faith to XXXX BMW XXXX at XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX for a BMW XXXX XXXX where I was assisted by client advisor XXXX XXXX XXXX
Initially she was very helpful but grew increasingly impatient, dismissive, and unresponsive as I continued to ask questions so I can fully understand the process. Her lack of attentiveness compromised my ability to make a well informed decision as she began to handle business unrelated to this consumer credit transaction. Talking on her phone, texting, and using the computer only to walk away returning after XXXX mins to photo copy my license and walk off again. At or about XXXX I was approached and escorted out by sales manager XXXX XXXX XXXX He handed me a decline notification and said there is nothing he can do, not even request reconsideration or a counter offer on my behalf. That is in fact a violation of 15 USC 1611.
As a consumer I dont understand how or why I was denied an extension of my own credit after my card ending in XXXX was processed initiating the transaction. The justification of BMW Group Financial Services adverse action feels like Im not only being discriminated against but my right to privacy is being violated.
I was forced to leave ( after my credit card was used that I received no benefit from ) XXXX XXXX XXXX XXXX XXXX XXXX Such ignominy actually made me cry while walking away making me feel weak and taken advantage of.
Much of what I experienced on this day are various violations punishable by law pursuant to United States Code title 15 chapter 41.
As a qualified applicant and valued consumer in good faith thank you for allowing me to be heard.
|
| 12/07/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
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Web |
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This dispute is in regards to BMW Financial Services account # XXXX. BMW Financial Services has put a negative " repossession '' mark on my credit report. I contacted BMW Financial Services for debt validation. BMW Financial Services response to to my request for debt validation is unacceptable and not legally valid. BMW Financial Services also fails to provide me with accounting information to prove or support their claim for repossession. I will submit and attach documentation BMW Financial Services has sent me in regards to my request for debt validation.
The following reasons I am disputing BMW Financial Services validation : BMW Financial Services has not proved legal validation or submitted valid documentation.
The documentation BMW Financial Services has provided me is not readable or visible.
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ).
Documentation or proof showing my liability toward this account, such as a signed contract corresponding my Social Security number with my signature.
Secondly, I have always paid my account with BMW Financial Services on time. I have never missed a payment nor been late. In fact, I have always paid my account in advance. BMW Financial Services has put a derogatory " Repossession '' mark on my credit report. This is totally false and inaccurate. I demand this derogatory " Repossession '' claim to be completely removed off my credit report. Under the Fair Debt collection Practices Act ( FDCPA ) 15 USC 1692g Sec. 809 ( b ), I request BMW Financial Services provide me with : Complete accounting of this alleged debt and prove their claim of repossession. ( Which is required by law for debt validation )
|
| 10/05/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
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Web |
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The issue is that this specific account was opened with BMW Financial Services on XX/XX/2019, as stated on the credit bureaus. I had no prior knowledge of this particular loan because I was unaware another car loan was added to my credit report. This account resulted from identity theft and fraud because I was unaware of this account, a new car, and a new lease being added to my credit report. Plus, I was not the person that got the car. I recently learned about this account, and I contacted BMW to inform them that they're reporting an account on my credit report that I am unaware of. They told me the car is a lease and it was a new lease in 2019, but the car was repossessed, and the account is currently in charge-off. I asked them when and how this loan was opened without my permission because the account is not mine, and they should immediately investigate this. The representative refused to continue talking to me. I requested information about the account, but they refused to provide anything. They claimed that since I'm stating the account is not mine, they are not privileged to share information. However, they continuously report this fraudulent account that resulted from identity theft on my credit report. When I checked, the credit bureau said the loan 's original balance was {$21000.00}. But currently, the loan balance is {$31000.00} and continues to increase. I told BMW continuously and sent them documents with a notarized affidavit that the account was not mine and that such derogatory and fraudulent accounts resulting from identity theft must be removed from the credit report. Bottom line, I want to state that the account is not mine, and they must release this fraudulent account or loan from their record and my credit report because I am not the obligor of this car and this loan.
|
| 07/28/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
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Web |
Older American |
|
At end of my lease, rather than return the car to the BMW Dealership, I sold the car to a XXXX Dealership, from whom I was leasing a new car, for the total payoff amount due BMW Finance. I returned the plates to the DMV and cancelled insurance.
The XXXX dealership contacted BMW Finance, which quoted them the payoff amount. The dealership wired the amount into the BMW Finance account -- which I have confirmed from both parties.
Since then BMW Finance, however, has been harassing me.They state that because the XXXX dealership payoff was a couple of weeks past the end of lease date, BMW Finance has assigned approximately {$1200.00} in late fees. I have repeatedly informed BMW Finance that I no longer own the car and they should address underpayment, if any, with the dealership. As I see it, they entered into a contract with the dealership and accepted their payment. BMW Finance, however, says it shall hold me responsible for the dealership 's underpayment ( which is questionable ) and will continue to enter negative information on my credit report unless I pay it. They refuse to contact the new purchaser, the XXXX dealership.
They have done so twice before. When there was a bank routing number mix-up for automatic payment, they first sent us an email acknowledging payment, then a follow up email indicating a bank issue to be resolved THE DAY AFTER THEY ISSUED A NEGATIVE REPORT TO THE CREDIT AGENCIES. I corrected the error immediately, but they refused to retract the negative report. This is spite of ten years of customer history. As a result, our otherwise good credit has been damaged materially.
A quick perusal of XXXX and other reviews will reveal countless similar complaints about BMW Finance. They are seen as lacking good client service at best ; many reviews are much harsher..
|
| 10/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
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Web |
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On XX/XX/XXXX I sent BMW Financial Services an affidavit requesting proof under penalty of perjury that they are in fact the true creditor, and not an elaborate scheme. I have reasons to believe that BMW obtained payment for my vehicle by way of selling the promissory note I affixed with my signature on XX/XX/XXXX XXXX, when the transaction was initiated. Therefore, my vehicle is paid in full. I requested documents from BMW Financial Services proving they are in fact acting according to Truth In Lending, FDCPA, and in fact the lender/creditor and under what rights does BMW Financial Services have to " bill me '' for monthly payments, if they havent actually lent me anything. Its required under 10 Maxims of Law that a lien or claim can be satisfied only through rebuttal by counter affidavit point by point, that which BMW financial Services failed to do. Instead, they sent a letter that addressed none of my concerns. They provided the contract in question, which I did not request. I have attached a copy of the 10 Maxim Laws for your convenience. As of today XX/XX/XXXX, my affidavit remains unrebutted. Despite being required to stop all debt collection activities until this matter is resolved, and cease and desist all communication, I have received emails and calls from BMW Financial services violating 15 U.S Code 1692c ( c ). BMW Financial Services also attempted to scare me with threatening language which is a violation of Title 15 USC 1692d ( 2 ), I have attached a copy of the letter with the violation highlighted. They were required to provide verification that an actual debt really exists. The language in their letter indicates that my affidavit wasnt comprehended properly or ignored intentionally, whichever the case I have provided/attached a detailed list to reiterate.
|
| 12/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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Yesterday eveningXX/XX/XXXX, I submitted a pre-qualification application via their " Structure a Deal '' option which states " Skip paperwork! Save time at the dealership by doing the work from home! '' for a XXXX XXXX ( XXXX XXXX # XXXX ). Per the website ( XXXX ) a pre-qualification will not affect credit reporting- instead it would give me a rough estimate of my payment, with no consent to run my credit. Today,XX/XX/XXXX I drove to the dealership with the anticipation of purchasing the vehicle mentioned above. The dealership opened at XXXX EST and I arrived around XXXX EST. While in the dealership waiting for a sales representative, I receive a call from a XXXX at the dealership telling me that the vehicle ( mentioned above ) was sold yesterday, XX/XX/XXXX After receiving a second confirmation ( from XXXX ) that the vehicle was sold, I informed that the pre-qualification application is null and void since the vehicle was no longer available. Both of the gentleman informed me, since the vehicle was sold, it would not be processed and my credit would not be affected. After receiving verbal confirmation and email confirmation that my credit report will not be accessed nor would I get an inquiry, I get an email from my Credit Monitoring company at XXXX EST stating my credit report was accessed. This dealership was well aware that the vehicle was sold and accessed my credit report without my knowledge! I tried contacting the dealership on several occasions after receiving the alert and they continued to disconnect the phone on me. This is bad business and if this does n't get resolved within the next 2 business days, I will be contacting the BBB and filing a legal complaint under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C, Section 1681. This inquiry needs to be removed!
|
| 11/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I am writing to you today regarding my account with BMW Financial Services. It would seem that BMW has a practice of not counting months as 30 days ; thus, use irregular months ( months that are 31 days ) to count from one month to the next ; thus, this unfairly creates 30 day late payments to their customers. For example, at BMW Financial if one pays XXXX the XXXX one month and XXXX the XXXX the next month is not 30 days they count it as 31 days. Ive never done business with a company who does this most companies Ive done business with uses a rolling thirty days no matter the irregular months ( which is wise ). Because of this practice, BMW Financial Services has negatively impacted my credit rating with a 30-day late payment on my credit report. Furthermore, if this is their practice they should inform customers of this fact : I never received any written correspondence that reflects this practice or formal notice of this policy. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies ( XXXX, XXXX & XXXX ). My car payments are due on the XXXX of every month and recently I changed to the XXXX of the month. There seems to be a technicality or a mistake with a late payment of 30 days for the month of XXXX on my credit reports. In the month of XXXX there was 31 days in the month ; thus, making my XXXX payment on XX/XX/18 resulted in being 30 days ; however, paying the same day ( XXXX ) of the month prior in XXXX ( XXXX payment ) resulted in being 29 days. This is an unfair a deceptive practice of credit reporting - especially for someone planning to make a payment on the same day every month. Further, extremely hurtful to customers intentionally or unintentionally.
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
I'm filing this complaint against BMW Financial Services and all the credit reporting agencies because they are reporting inaccurate account status on the credit report. The account is for a XXXX BMW XXXX XXXX and I got this vehicle last year. I noticed a delinquency remark on the credit report and I contact them because my payments go through thoroughly always and I have a flawless credit report. BMW continues to report a delinquency to the credit report and the credit reporting agencies continue to be in a bias state that they do not accept dispute. I'm disputing the delinquency that was stated for earlier this year. I contacted BMW and informed them that I always make my payment on time and they need to rectify their records and report accurate information. BMW claims that they never received a payment. I have made my payment as I said always. BMW claims that I am requesting a courtesy delinquency removal and they will not do it because they are protecting their brand. I do not care about their brand, all I care about is that they report my information accurately because I have never been delinquent in any of my payments. I always make my payment on time. If their systems did not process the payments quickly its not my problem, it is their problem and they need to solve their own issues internally not make falsified claims. I am not delinquent on my payments and I'm always on time with my payments. I tried to contact BMW before making this report with the CFPB to have my issue resolved however, they continue with their claim that they are protecting a brand royalty which is still unclear thus far. Their brand royalty is not my problem but they better fix this delinquency report they falsely claimed because it affects my position as an investor and as a consumer.
|
| 12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Account number XXXX Account status Open Date opened XX/XX/2021 Account type Auto Loan Paid Off : 2 % Balance on XX/XX/2021 Loan Amount {$89000.00} {$92000.00} Payment Info Status Current, was past due 30 days Status date XX/XX/2021 Past due amount - Original loan amount {$92000.00} Monthly payment {$1400.00} Late payments XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - - - - - - XXXX On Time My family has been afflicted with XXXX several times. I still managed to make my payments. XXXX posted my payment late but I paid before the 30th day.
XXXX XXXX credit card was paid off, then posted interest of XXXX dollars and did not notify me and this was after the card was closed.
XXXX is completely paid in full and I never received any bill or notification that my bill was due.
XXXX also reported late inaccurately even though I notified them that I was quarantined with XXXX.
XXXX XXXX report of a late is inaccurate. I paid before the 30th day.
XXXX did not update my report on my XXXXXXXX XXXX account to reflect a XXXX balance after I paid in full before XXXX report. Also report of payment is missing for XXXX, XXXX and XXXX, all paid on time!
I disputed the late payments on my prior student loans because I was displaced during a federally declared disaster. Still not updated.
During the months I had XXXX and when my family did as well we were quarantine so I could not do anything until I was well enough to talk and go to my bank.
XXXX ; XXXX reported late payment. Payment wasnt late and bmw financial updated. Please see transunion for accurate information.
As Americans navigate this declared disaster none as Covid 19 it just seems reasonable to grant some grace to consumers who are earnest. Ive been sure to pay all my bills.
|
| 10/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
BMW Financial Services, XXXX refinance department told me that they would refinance my balloon payment that is now due with them as long as I had a cosigner. I have a cosigner that was more than qualified credit-wise and employment wise and XXXX is still saying that this is not enough. He made a discriminatory comment about my relationship status and questioned my relationship to the cosigner. Prior to today, he told me that he would approve the refinancing of my balloon payment on this same vehicle with a cosigner. At no time did he put a stipulation on the relationship of the cosigner by saying like he did today that we had to have " lived in the same household '' at some point. Then, he proceeds to say that it probably will not be approved because of the " relationship status '' but he would note the account. I am wondering at this point what is he noting on my account?
I purchased this vehicle brand new XX/XX/2011 at no time was my race an issue as it seems to be now. I make the same money, in fact more money than I did when I purchased the vehicle and owe over XXXX less now than what I purchased it for XX/XX/2011. I have never experienced such blatant discriminatory and rude comments and unprofessional treatment from any BMW representative as I have while attempting to keep my vehicle. XXXX XXXX shared with me what I needed to do to refinance this balloon payment on my vehicle and I have more than done so by having the income and a more than qualified cosigner contact the refinance department. XXXX is the representative that I have spoken with about the refinancing of my vehicle XXXX is the one that has taken our applications, and is the one saying that it will probably not be approved before he even finished taking the application over the phone.
|
| 02/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My ontime payment went through an inactive checking account onXX/XX/XXXXXX/XX/XXXX for my XXXX XXXX that I lease from BMW financial services due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX that the payment won't go through due to inactive account status I immediately called BMW financial services on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX, I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/XXXX payment as late payment which damaged severely my credit score, I blame BMW financial services for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times BMW customer with no late payments at all.
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at BMW finacial serviecs and they denied it all times!
|
| 07/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
When I planed to buy the car, the dealer ( XXXX BMW ) provided 1.9 % of interest rate with 60 months payment then when I signed the contract the interest rate was changed from 1.9 % and 60 Months to 5.79 % with 84 Months. I believe that they explained why they want to change the rate and period even that's not good for me and couldn't get the meaning clearly but I agreed and signed because that was almost XXXX. I had to finish it ASAP then had to back to home to care my son.
Since I bought the car, I realized they didn't care of my car 's problems well and realized they overcharging me the interest rate than the average charging with similar credit score 's people.
In my understanding, the interest rate will be between 3 % to 4 % with 84months. I am thinking the BMW overcharging me and that's not fair. If I know that I didn't sign it. Why do I have to pay more than other people even I agreed and signed the change the interest rate and period?
Sounds like the BMW can charge me the interest rate between 3 % to 4 % with 84 months fairly for their benefit but they did more than normal.
If this is true, I am not happy and want to know the BMW overcharged me than normal.
I believe that people should have a equal and fair service.
I contacted the BMW USA to solve those issues before complaint here, the person who called me one time from the BMW USA, he advised me to talk with the dealer shop directly. So I waited 4days to someone call or email to me to solve this. But now I am not comfortable with waiting time because my first payment due is XX/XX/XXXX. Even I didn't want to talk with them, I tried.
Also, pretty hard to believe them now. I need someone's help to solve this problem.
I am looking forward someone can help me.
Thank you.
|
| 04/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Auto payments were setup to make payments on a car loan. Starting onXX/XX/2013. The payments were made on time for 4 1/2 years. Then unexpectedly stopped before the end of the loan. It was found by my bank the the number of months for the loan were incorrect. I was out of the country, in XXXX, that month. When I returned I found the late notice in my mail. Bad timing for me to be away from my mailbox. The loan was at the end of it existence so I went ahead and paid off the loan in full. The financial institution, XXXX XXXX XXXX, reported to credit reporting agencies a missed payment greater than 29 days. I spoke them about my circumstances leading to my missed payment. Their reply was, " We acknowledge participation in credit reporting system is voluntary ; however our company has chosen to report the payment experience of our customers. Therefore, we do not subjectively remove accurate information we have reported to the credit reporting agencies. We are unable to remove delinquencies or change the way we are reporting your payment history as a courtesy or as a gesture of goodwill for brand loyalty. There is a problem with that statement. It does not take into account that we live in a digital age. that consumers have lives outside of this black or white constraint. Or take into account a non planned outcome do to a digital mistake. I ask for this delinquency be removed from credit reporting agencies. Because there was no intent to defraud XXXX XXXX XXXX. This is a unfair mark on my credit for no good reason. This can cost me thousands of dollars when purchasing a home. There is no answer to, why? It is simply a fine place on me for a future home purchase. Shame on XXXX XXXX XXXX for not acknowledging a legitimate digital mistake.
|
| 05/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX XXXX I sold back my vehicle to XXXX in XXXX, it was purchased on XXXX XXXX. They gave me 46k for it but took off 1k due to minor rim damage, some scratches on rims. At the time of purchase in XXXX several warranties were also purchased including, rim/tire, theft, environment, etc. The dealer should have known about the rim/tire warranty as they sold it to me back in XXXX, this would have covered damage. Instead, they took off 1k off the selling price of 46k.
The warranties were never canceled by the dealer, I was referred back to them by the issuing companies for cancellation. Please note, this is not the XXXX negative experience with XXXX XXXX XXXX. In XXXX I was advised by my sales rep, XXXX XXXX, I was approved for 25k by the bank. When I went in two days later on Monday, their business manager called and told me I was not approved after I left my car there to trade in. They pulled this stunt in order to get my car in, which they were very interested in with low miles, so they could buy it. My sales rep had sent me home thinking I had a bank approval.
I spoke with a XXXX in their corporate office yesterday, XXXX, she stated if a claim had been submitted with warranty that would have lowered the refund amount when canceled. The cost of warranty is XXXX, there is no way they would take 1k off that for damage, maybe pro-rate it if anything. Either their math is off or they are just lying, more than likely lying so they do not have to pay me back 1k.
Please advise them I will need a check for 1k to cover the difference from what I should have gotten, the rim/tire coverage should have covered the damage. Their address is XXXX XXXX # XXXX XXXX, NY XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX.
|
| 01/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I am writing this second complaint because on the first complaint I sent they simply said case closed. So this is my response to their reply on my first complaint This is the Second time you are receiving official direct credit reporting issue because I have decided to file it through CFPB after not receiving a response on my previous ones that I have filed. You are hereby saying that I have always made manual payment prior to that date ( Which is correct ) I also stated that after changing my banking info ( Go ahead and check that in your records ) you will see that I have 2 bank accounts on my profile attached, I was told I am good for the auto pay. I switched my bank account and I called to set that auto pay up. The timeframe you said I set the autopay is because I got tired calling you for the same thing and I did it online. Same as you claim that you have called me numerous times and tried to reach me I did the same with you. I called and explained myself that I don't do LATE payments. Your payments are the only one that are reflecting bad on my report. My credit score is again PRISTINE clean with never being late on a payment. Why would I knowingly not pay you and let my score go down? When TONS of your customers were deferring payments due to corona pandemic I didn't and I kept paying. Now here I am trying to remove an injustice done to me by the Bank that I am with for the previous 5 years and in that span I have never missed a single payment, on top of that I have made EXTRA payments ( Maybe you should go and check your system for that as well and let me know ) So my point is why wouldn't you remove something that its not done by me? Is that how you appreciate and look after your current long-term customers?
|
| 10/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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From XX/XX/XXXX through XX/XX/XXXX, I had an active account opened with BMW Financial Services for my XXXX XXXX I had purchased through the dealership XXXX XXXX XXXX. BMW Financial Services reported an inaccurate late XX/XX/XXXX payment to XXXX, XXXX, and XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX and I purchased two money orders at the United States Postal Service on XX/XX/XXXX ( one payment for {$1000.00} and one payment for {$280.00} ) I was charge small fees for both money orders including a postage stamp to mail the money orders to BMW Financial Services. The total amount for this transaction was {$1200.00}. In addition, the two money orders were mailed by regular mail on XX/XX/XXXX and the {$1200.00} transaction shows on my XXXX XXXX XXXX account statement ( under withdrawals and other subtractions ). On average it takes between 2-7 business days for regular mail sent from California to arrive to Ohio. BMW Financial Services has inaccurately noted that my payment was received on XX/XX/XXXX ( even though it was mailed on XX/XX/XXXX ). I have mailed money orders by regular mail prior to XX/XX/XXXX and I was not considered 30 days late. On XX/XX/XXXX, I filed a credit dispute directly with BMW Financial Services and they noted in their investigative report dated XX/XX/XXXX that they only received two payments ( one payment for {$1000.00} and one payment for {$250.00} ). Both of these amounts noted in their investigative report are incorrect as I have a copy of my BMW account statement for XX/XX/XXXX which shows the correct amounts ( {$1000.00} and {$280.00} ) was received. The XX/XX/XXXX late payment reporting made by BMW Financial Services has adversely impacted my credit scores with XXXX, XXXX, and XXXX.
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| 07/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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BMW FINANCIAL wrongfully reported a 30 day negative mark on XXXX accounts dropping my credit score about XXXX points. On or about XXXX XXXX, 2015 I posted two payments on XXXX accounts with BMW FINANCIAL. The payment was post " on '' the 30th day. BMW FINANCIAL still reported both accounts as 30 days late. This is a false reporting as a complete 30 days did not pass without a payment. I brought this up to BMW FINANCIAL and they states it is policy. I stated how can an account be reported 30 days late if only 29 days passed without a payment. The representative stated that it is open to interpretation. Policies should not be vague and ambiguous. I then requested documentation that supports their policy regarding reporting late payments. Representative said they could not provide documentation. I then asked if how they report late payments in the agreement with them. They said it is not. I also informed them I disputed the reportings through XXXX. Agent from XXXX said their notes show that BMW FINANCIALS could not give a reason why they reported the 30 day lates. XXXX then asked if they could remove the negative reportings. BMW Financial told them no. So BMW Financial can not provide documentation to support their policy, they admired their policy is open to interpretation, and still refuse to remove the 30 day marks. If BMW FINANCIAL does not correct their mistake in their reporting my next step is to retain counsel and file a complaint in civil court for punitive damages for negatively impacting my wife 's and I credit and request sanctions against BMW Financial for violations under the FCRA. I have proof of payments made and if it goes legal then can subpoena communication between XXXX and BMW Financial.
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| 11/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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BMW Financial Services Account opened in XXXX at payment of $ XXXX60 months.
In XXXX of XX/XX/XXXXaccount was at 60 days past due and facing repossession. Requested deferments to get account back on track but was denied. Vehicle was recovered in XX/XX/XXXX by BMW Financial and sold at auction. Total deficiency balance was {$2100.00} The {$2100.00} balance had shown as recent as XX/XX/XXXX on my credit. After that, the entire line item disappeared with no trace of BMW Financial ever occurring. There was no amount being reported and furthermore, no payment history whatsoever of any sort. On XXXX XXXX, a check in the amount of {$470.00} was issued to me with a reason of " miscellaneous. '' As of today I have spoken with a Sr. Recovery Agent at BMW Financial who informed me that the {$470.00} was for over payment. When questioning this as to why I would receive a check back if I still owed anything, I was told that a recent internal audit had determined that my account may not have been handled in accordance with all laws and in order to prevent anything in the future, BMW Financial went through the motions of removing all trade lines from my credit profile as well as to post a credit to my account in the amount of +/- {$2600.00} resulting in me receiving refund of {$470.00}. When asking for further information in regards to the accounting errors found in the audit, I was informed that I was not entitled to anymore information. When questioning why the line item was removed from my credit report, I was told that BMW Financial is not required to report to any of the credit bureaus. Furthermore I was told that I should be grateful BMW has not reported anything whatsoever on my credit going forward.
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| 02/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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We had just paid our last lease payment and were just about to call BMW Financial to purchase the vehicle. 1-2 days after we paid that last payment, a large rock was struck by another vehicle and launched toward my wife 's car and the rock went under the car and put a hole in the oil pan. The car was then totaled by my insurance company. The value of the vehicle is worth more than the residual on the lease. I was under the impression that the over value would be sent to us to purchase a new car, but our insurance told me that BMW Financial would keep all of the money, including taxes, fees, license etc. I called BMW Financial, and they were very matter of fact with me and told me that it was their car, and they would keep the money and I couldn't purchase the car as a salvage. The car is being ripped from us, and BMW is taking all the money, unless I want to buy or lease a new BMW. In that case, they will kick back 1/2 of the money for a down payment. I usually buy XXXX and I called the general manager at XXXX because I had never heard of this happening, and he told me that XXXX would never do this to its customers because XXXX and XXXX feel this is bad faith. I will tell you ; BMW doesn't feel it's bad faith and they are very rude about their position. Also, the contract we signed clearly states at # 24 and # 25, which BMW Financial told me to look at, states : in the event of a total loss, " I will not be obligated to pay you the gap amount ( the difference between the Adjusted Lease Balance and the actual cash value of the vehicle as of the date of loss ) if the claim for total loss is actually paid to you by my insurance company. The contract says that I don't have to pay the difference.
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| 02/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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Web |
Servicemember |
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Starting in XXXX of XXXX, I became apprised of my rights under the FCRA regarding a repossession of my BMW. I contacted the bureaus and BMW directly because in XXXX XXXX my car was repossessed. I became XXXX and made payments for as long as I could. Simultaneously I was in danger of losing my home, which eventually happened in the same month. I was told that if I surrendered the vehicle it would be recorded as a " voluntary repossession ''. This was not the case. Further, according to the laws of the State of North Carolina UCC 25, and the State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I assert that because I lost the home, I was never provided with the notices and was also denied an opportunity to cure. The paperwork was not forwarded until months later. Moreover, the FCRA requires that all information regarding this account are accurate and true. One of the bureaus shows the vehicle as a charge off, where I know BMW received a credit on their taxes for the amount they claim in XXXX. The other bureaus show that the account is open, which is inaccurate. The amount of the charge off was reported incorrectly for several years. When I brought this to BMW 's attention and they updated the amount, but not the status of the account. This account has caused me continuous hardship and is being reported incorrectly. Lastly, under Section 1-52.1 of the North Carolina Rules of Civil Procedure , the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards. This debt is no longer even collectible.
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| 02/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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According to a XXXX XXXX, my BMWF account is 49 days past due, this is stated in reply to prior complaint filed, pertaining to a returned payment and error with bank information provided for it.. The reply also states the amount of {$2300.00} is past due.. Neither statement is true, the account is paid until XXXX with a credit balance, I do not owe {$2300.00} nor is it past due.. It appears this person took an unusually long time to reply, the prior complaint was submitted on XXXX, I have just received reply today on XXXX which is almost two months ago. I do not know what the delay was, however, the information provided is inaccurate. I do not know if the reply was submitted late or if rep chose to send it today, XXXX The letter is dated on XXXX, I can only assume it was submitted as of today ... If thats the case, then I do not know the reason for the false/inaccurate information unless it was gathered months back, only submitted as of today 's date which does not make sense to provide old information.. Her reply also states the payment for the month of XXXX was placed as a " D-no rating '', I have no way to confirm this as I do not have copy of a credit report available. However, given the false/inaccurate info provided, I would request BMWF double check this to make sure it is accurate. Further, I request the ACH block lifted, allowing ACH payments as the last ACH return was not my error, correct routing and account number was provided via BMW site. I have confirmed correct information entered by speaking with XXXX reps. As far as I know, the block is still on the account, I have been making payments through XXXX via their bill pay which are electronic and have all cleared..
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| 09/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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After escaping an abusive marriage of 12 years I have been working on repairing my credit. My ex-husband didn't adhere to the stipulations of the divorce pertaining to unpaid debts, nor did he pay child support as he is over {$90000.00} past due. In the last two weeks my credit score has been increasing and I was alerted I was over XXXX! I was elated and so excited and proud of myself. In addition, I had applied for a house for myself and my five kids to move to as my lease is expiring where I live and I can no longer afford the rent. About a week or so ago I noticed some credit lines from BMW didn't have the correct loan dates reporting so I filed a dispute. Last Friday, after incorrectly reporting the loan dates and the lines of credit as open and past due debts BMW decided to report the debt as a charge off which took my score under XXXX in one day. I am not sure why BMW would retaliate against my dispute in such a harmful way. I was advised today due to the drop in my score I am no longer eligible for the rental home I was moving my family and my available credit on two of my small balance credit cards was reduced. Three years of incorrectly reporting, and now they decide to report as a charge off - with COVID, a loss of income, no child support and now my credit is below XXXX again and I am homeless. This is how BMW handles consumer issues by causing consumer harm? I have no where to move my children to - BMW incorrectly reported the debts - rather than making such a large change aware of the impact it would have on my financial reporting they should have done the right change and updated the credit history - instead BMW has taken a single mom and made her homeless.
|
| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.
I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
|
| 08/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Leased a vehicle, XXXX XXXX XXXX VIN # XXXX, on XX/XX/XXXX through Mini Financial Services, XXXX XXXX XXXX XXXX, Arizona XXXX. Same was registered in the state of Florida to my name, XXXX XXXX, under license plate # XXXX and insured through XXXX. No payments were missed and lease was paid until the lease term ended. After returning home from an 8 month trip p on XX/XX/XXXX, I noticed that my vehicle was missing and the valet of my building did not have the key or knowledge as to what happened to my lease vehicle. On XX/XX/XXXX, to report the apparent theft ; however, XXXX XXXX XXXX ( Report # XXXX ), indicated that they could not provide me with a theft report as the vehicle was registered to another person. I immediately contacted the leasing company who denied ever repossessing the vehicle and instead demanded {$20000.00} for the residual value of the vehicle. I then hired a private investigator who revealed that the vehicle was in fact registered under another name in the state of Florida. As per this investigator 's findings and documentation, on XX/XX/XXXX, the vehicle was sold by XXXX XXXX, XXXX XXXX. # XXXX, to XXXX XXXX for {$320000.00}. XXXX XXXX provided my investigator with a copy of the purchase agreement, a motor vehicle title reassignment supplement document, and a copy of an application for a certificate of title with/without registration. Up until this moment, Mini Financial Services continue to demand payments, denies ever repossessing the vehicle, and refuses to follow up with their recovery department regarding the sale of the vehicle by XXXX XXXX even though the vehicle was sold while still having a lien by Mini Financial Services.
|
| 12/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
The company I am struggling with is BMW. I traded my XXXX that I owned free and clear in on my XXXXXXXX XXXX XXXXXXXX back in XXXX. I leased it for XXXX yrs never missed a payment, then decided to buy it.
Because of a loan I co-signed for ( my granddaughter XXXX ) BMW charged me 16 % and it was on the last day I had to buy it or turn it in so I didnt have a choice, I bought it.
I paid on that loan for XXXX yrs with no lates and a couple ext. pmts but my point being i always worked with them and was never a problem.
I am XXXX yrs old now and retired in XXXX in XXXX and moved back home to XXXX where all my children and grandchildren are.
Now that I only get retirement i couldnt afford my rent and car payment. So I told them I was going to look for a job. I got a job making {$13.00} an hr at the local grocery store and called them about how we could do this and she said I had to pay the {$2000.00} and some in arrears or the car was being repoed.
Well I cant come up with that kind of money because I spent all my savings moving here from XXXX back to XXXX and deposits for utilities and such.
I traded in my car I owned free and clear when I got this car and they charged me 16 % interest which as long as i worked I paid and now that I am retired and still owed a little over a year on it they want to repoe it leaving me with nothing to drive to keep a job and so forth.
I am not trying to get out of paying for it I just wanted them to rewrite what I owed on it which at the time was {$12000.00} to give me smaller payments to pay it off. They have not once tried to work with me and just want to repoe my car and leave me with nothing!
Please help me.
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| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the United States. I arrived to the US at the state of XXXX at the end of XX/XX/XXXX and ever since I lived in the state of XXXX. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with BMW FINANCIAL SERVICES. When I contacted BMW FINANCIAL SERVICES to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with BMW because I can not afford a BMW and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with BMW and I never leased a vehicle with them because I know my financial capabilities and I can not afford a BMW. BMW is refusing to even conduct an investigation. This is an identity theft matter and BMW representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a BMW. I've been told the vehicle is a XXXX BMW XXXX XXXX XXXX.
|
| 02/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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Can you assist with two issues?
LOAN ISSUE : In XX/XX/XXXX, I purchased a 2021 BMW X7 car from BMW of XXXXXXXX XXXX NJ and financed it through BMW Financial.
In XX/XX/XXXX, the car broke down due to a pre-existing defect with the car that the dealership failed to disclose to me.
The car was in the BMW service center for over a month and a half ( XXXX XXXX ), as they could not fix it.
Finally, in XXXX, the dealership provided me with a new car, although we had to pay the cost difference.
From XXXX XXXX, XXXX to mid XX/XX/XXXX, when I got the replacement, I continued to make payments on my loan. I was also initially not provided with a loaner, but then eventually provided with a smaller loaner but not allowed to drive more than certain miles per day.
So in effect, for a month and a half, I continued to to pay for a car that I no longer had access to because it was sold to me with a defect. I called BMW and they refused to waive or assist with the that period.
I don't think that it is right that I had to pay a month and a half for a product that I did not have access.
ROLLOVER EQUITY ISSUE Second, when they gave me the new car, they did not carry over all of the payments I made to the old, defective car to the new car. In effect, they wiped those old payments clean as if I never made them. I did not get credit in any way from those old payments to BMW Financial.
This doesn't make sense- they sold me a defective car and should give me a replacement vehicle, but effectively what they did was sold me a defective car and as a " remedy, '' allowed me the privilege of buying yet another car with no credit for any of the prior payments.
|
| 02/12/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I have an auto lease with BMW Finance.
I have set up auto payment since the beginning of the lease on XX/XX/XXXX. All monthly payment went well except for one on XX/XX/XXXX.
BMW Finance usually collects $ XXXX monthly via auto payment.
On XX/XX/XXXX, BMW Finance posted {$79.00} on my bill and collected that amount via auto payment.
On XX/XX/XXXX, BMW Finance posted {$940.00} on my bill and successfully collected that amount via auto payment.
According to BMW Finance email, it was caused by their own computer system error. When I contacted BMW Finance via phone, the representative promised to fix the issue.
I did find the payment was made up the next month via auto payment. So I assume this issue was resolved.
A few months later I received alert from my credit monitoring service that there was a late payment and BMW Finance initiated debt collection and reported my miss payment. I ran my credit report today and saw the error went on my credit report, saying that I have one over 30 days late payment.
While on this auto lease, I have never changed payment source, nor did I change payment schedule. I signed up paperless payment so I did not receive any communication from BMW that I missed payment. In fact BMW Finance was trying to secretly fix their error by making up the amount in the next month 's bill, and collected it automatically, without issuing me any written notice for record. BMW Finance is 100 % responsible for their system error and the representative admitted it via phone.
BMW Finance refuses to provide any written evidence of this issue thus making it very hard for me to make a dispute to correct my credit score.
|
| 02/12/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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XXXX XXXX is reporting under the business name of BMW Financial to all three credit bureaus. This is causing a lot of confusion. Additionally, XXXX/BMW is reporting inaccurate information to all three credit bureaus regarding my account. I disputed this information and the inaccurate information continues to be reported. This serious issue has now caused me to lose a job opportunity and a chance to submit an offer on a home that was accepting highest and best offers by XXXX on Sunday, XX/XX/XXXX. I have an attorney that is willing to take this case on a contingency basis and will sue for punitive damages on my behalf since I have documentation of the loss and the accurate information. Negative marks were placed on my account only after I called in XX/XX/XXXX and spoke with XXXX XXXX in Collections to voice my displeasure in that XXXX/BMW would not extend deferments on payments to me for a hardship that I endured after my position was eliminated and subsequent job loss. I sent a fax with a letter of explanation and documentation following my initial dispute. I sent the fax on XX/XX/XXXX to XXXX XXXX, Special Accounts Support Specialist. I received a voicemail from XXXX, Customer Support Specialist on XX/XX/XXXX confirming that my faxed complaint had been received by XXXX and that she would reach out to me with further questions if needed. One of the incorrect items is a 30-day late negative mark for XX/XX/XXXX when my payments were deferred only after I was impacted by a natural disaster. I am hereby requesting that ANY and ALL negative marks pertaining to my lease with XXXX XXXX/BMW Financial to my credit report be removed immediately.
|
| 05/23/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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I signed a lease for my a car with BMW of XXXX on XX/XX/2018 and was also sold a Lease Protection program that was built into my monthly payment. I was informed by the finance representative at BMW that I could cancel the lease protection and it I would receive a refund. This was also detailed in the contract that I signed.
In XX/XX/2018 I requested to cancel my lease protection with the finance manager, XXXX XXXX, at BMW of XXXX and in XX/XX/XXXX I was provided a form to sign. I returned the signed form via email to the finance manager on XX/XX/XXXX and sent a follow up email requesting confirmation that it was processed on XX/XX/XXXX. I received a response that it would take 6-8 weeks to process and that the finance manager would follow up with the cancellation team to confirm that my request was received. I did not receive confirmation.
On XX/XX/XXXX I sent another email asking for confirmation of the status of my request, I did not receive a response. I sent another email on XX/XX/XXXX asking for confirmation of the status and received a response that the finance manager sent a note to the cancellation team to check on the status and he would respond to me with an update after receiving their reply. I did not receive a response.
As of today ( 11 weeks since submission of the request ) I have not received confirmation that my request for cancellation of the lease protection has been processed or completed. I have not received a refund of the lease protection cost as outlined in the contract. I have followed up with several calls to the dealership but the finance manager has not answered the phone or returned my messages.
|
| 05/20/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XX/XX/2020 I, like many others, was financially impacted by the COVID-19 pandemic. I proactively reached out to BMW Financial to request a lease deferral. On XX/XX/2020 I received both verbal and written confirmation from BMW Financial Services that my lease would be deferred for the months of XXXX and XXXX and that the automatic recurring payment withdrawals linked to my checking account would be placed on hold until after the delay period.
On XX/XX/XXXX I went to the purchase groceries and to my shock my card was declined. When I checked my account balance, I learned that BMW Financial used my previously stored checking account information that they had on file to withdraw the entire balance owed without any warning or my consent. This fraudulent withdrawal is in direct breach of their verbal and written agreements to defer my car payments for the months of XXXX and XXXX. This fraudulent charge has resulted in numerous overdrafts fees, bounced checks and has left me with no money for food, rent or utilities.
I am disgusted that BMW Financial has breached their customer agreements and they continue to illegally access checking account to withdrawal money from people who are in dire economic situations and who have applied for and been granted payment deferral by BMW Financial. They are predators who are taking advantage of their customers in the middle of a pandemic.
I am happy to provide copies of all correspondence with BMW Financial including two separate letters stating my payments would be deferred along with documentation that BMW Financial accessed my checking account and withdrew the funds without my knowledge.
|
| 06/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
XX/XX/XXXX I had an issue with BMW of XXXX XXXX, Arkansas due to service of my vehicle which two weeks to fix. I made a call to customer services about the lack of communications during the first week of my vehicle being serviced. They had issues with figuring out what the problem was but they had to drive the vehicle to troubleshoot it. I had to wait an additional week to get my vehicle back from the service department at BMW. Once I picked it up they charged me almost {$2000.00} for the repairs. I understand that having such an expensive car can lead to issues like that. But finding out I needed new breaks upon picking up my car by turning it on and the break lights on. I asked to the Manager of the services and he just said " Oh yeah, you need new breaks '' and walked away from the vehicle. After being treated so disrespectfully by the Manager I called BMW Financial and requested that they to come pick up the vehicle.
The vehicle was picked up XX/XX/XXXX at my residence in Arkansas. I never received any of the following documents, repossession notice or Notice of intent to sell vehicle within the 15 days of the notice. The reason why these documents were never received by me was due to them being sent to the wrong address. I was in the XXXX XXXX and for some reason the documents were sent to my last duty station that moved to XXXX, XXXX. I retired in XXXX so I have no idea why the sent the documents there. But they had to right address to pick up the vehicle.
I feel my rights were violated and I would like to know what I can do to fix this problem because it is causing my have issues with my credit since XX/XX/XXXX.
|
| 08/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
BMW Financial Services claims I owe XXXX, it was previously a higher amount of around XXXX. The insurance company, XXXX, paid off the account less this amount. The vehicle was totaled in an accident on XXXX XXXX, 2016. The GAP company, XXXX XXXX, paid out the claim with no benefits. They claim the reason for this is due to an over payment by Met-life, they paid more than the stated settlement amount and according to a supervisor in charge, this caused the claim to be paid with no benefits. It appears they gave a different reply to BMW Financial Services claiming because the account was past due at the time, it was paid with no benefits ... Neither of their replies makes any sense to me and I believe they just make up a phony reason not to pay out. Needless to say, I refuse to pay a dime to XXXX XXXX, it will have to come from XXXX or XXXX. Complaints were filed with XXXX XXXX XXXX XXXX as well as XXXX office against XXXX, both unresolved. It appears XXXX ( XXXXClaims ) is shifting their response for non-payout of claim as explained before, their reply to XXXX named agencies stated over payment by XXXX caused claim to be paid with no benefits, no mention of account being past due. The amount of XXXX, is a settlement offer good through XXXX XXXX I believe. I have a counter offer of ZERO which is good until forever. If they are seeking any payment at all on this totaled vehicle, which was not my fault and have police report to prove it, I 'd suggest contacting XXXX or XXXXClaims. No payment will come from me on this totaled vehicle, not my fault. Please do not mark this as duplicate, there is additional information contained.
|
| 03/07/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I entered a lease on a XXXX XXXX XXXX XXXX / XXXX with BMW Financial Services and XXXX XXXX XXXX XXXX XXXX
The XXXX XXXX XXXX XXXX XXXX XXXX was going to be Titled, Tagged and Registered in Florida. I am a Florida State Resident, and have maintained my Florida Residence since I was called to XXXX XXXX serving in the XXXX XXXX. Therefore, I am tax exempt, and filed the necessary exemptions, and affidavits. I terminated the lease, and returned the vehicle to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
I cancelled the additional warranties, annotated in the Lease Contract, the BMW Tire & Wheel Protection ( {$1500.00} ), and XXXXXXXX XXXX Paint Protection ( {$600.00} ).
I requested my refund for the additional warranties, I was instructed I have to receive the refund from BMW Financial Services and the BMW Selling Center. XXXX XXXX XXXX stated I have to receive the refund for the BMW Tire & Wheel Protection from BMW Financial Services. I received email notifications from XXXX XXXX Director, XXXX XXXX. that I had to receive the refund for the XXXX XXXX from BMW Financial Services or XXXX XXXX XXXX XXXX XXXX., Finance Manager, XXXX XXXX.
On XX/XX/XXXX I confirmed and verified with XXXX XXXX County Tax Collectors Office Tedra Reid, and XXXX XXXX ( Asst. Manager Tag & Title Dept. ) the XXXX XXXX XXXX XXXX / XXXX was never Titled. If this vehicle had been registered, and my existing tags transferred it would have only been {$64.00}.
I was erroneously charged {$2100.00} for license fees, registration, title, and taxes for the XXXX XXXX XXXX XXXX XXXX XXXX
Therefore, I am requesting a refund of {$4200.00}.
|
| 05/15/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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Web |
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I had fraudulent activity on my checking account. I had to request stop payments to conserve cash to pay my rent. I opened a new checking account but the issues continued and it takes up to 90 days to get money back.
BMW Financial Services would not take my bank account or debit because of the returned automated processing with changing accounts and the fraudulent activity. They did not provide an easy way to pay them and instead harrassed me and accused me of setting up payments and canceling them. They also charged late payments and reported negative credit. I am working with XXXX XXXX XXXX to draft a letter for the payments due to fraud activity but they are still refusing to acknowledge any issues of this kind which is UNFAIR and UNJUST!. I have always paid them timely. They did not provide me a way to pay online or over email. I had to call and listen to several include a supervisor say accuse me of delinquency rather than provide a way to pay. Of course, being upset, they would not provide the way to pay until just today XXXX/XXXX/2015 by XXXX XXXX after several months of advising of the situation. I had to make a choice, pay rent or pay car. I let them know I would pay as soon as I got the money for the fraud ( I do n't have it all back ) but today I am paying them in full vs having food etc. for the rest of the month. There should be policies in place if you have fraudulent activity that vendors will allow letters from bank to waive the fees and provide an easy way to pay versus harrassing their clients. I am sick with their poor services and chastasizing me. I do n't want to do business with them in the future.
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| 01/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I looked at my credit report and seen BMW FIN SVC had reported 60 days late on my credit report which is misleading false information. They reported negative and defaming information beginning XX/XX/2016 on my credit report. I sent a letter to the company to update those late payements and i didnt get no reply back. They never supplied sufficient information to me in order to validate the late payment. I do not agree with their actions. I have challenged the accuracy and integrity of the information, because they are reporting different things across all three credit bureaus. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer.
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
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| 10/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I purchased a car in XXXX 2016. The finance company is Alphera. In XXXX of 2016 I had a drastic change in circumstances and it is now a hardship to continue the payments. I contacted the company in XXXX 2016 to discuss options to solve the problem that would both provide some payment for the vehicle as well as have the least negative effect on my credit. Each representative that I 've spoken with has only offered a one or 2 month deferment, refinance that would lower the payment by {$100.00} but this would have to be income qualifying or voluntary repossession of the vehicle. I 've explained that my income would not qualify for a refinance due to my employment change. I have one other option which would be to pay-off the vehicle, which would be possible if I can sell the vehicle to a private buyer. I'v researched the vehicles value and it has depreciated by 50 % in 11 months of me owning the car. I 've had some offers on the car but would need the finance company to work with me on a settlement so that I can rid myself of this debt without ruining my credit. The finance company refuses to offer a settlement to a reasonable amount. I 've searched the internet about the company and have found that " Settlement Offers '' are offered by the company in the XXXX ONLY and not in the United States. I 've contacted the company several times requesting to speak with a member of the management team and have been turned away each time. I 've asked for the names and phone numbers of corporate executives and been told that they wo n't give me that information. I 'd like help with negotiating an affordable payoff for this vehicle.
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| 10/24/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I signed a lease with BMW Financial Services for a new XXXX and elected to take delivery in XXXX at the factory under their XXXX Delivery Program on XXXX XXXX, XXXX. When I signed the lease forms on XXXX XXXX, XXXX I was asked to make the initial `` drive off '' payment ... however there was no car. We picked up the car in XXXX on XXXX XXXX as planned, drove the car for 10 days and it is now in transit back to the U.S. for delivery approx. XXXX XXXX, XXXX. Payments have been due on the XXXX of each month since XXXX XXXX. The payment on XXXX XXXX was credited by BMW, however, the payment due XXXX XXXX I am told I must sill pay even though I will likely not have the vehicle until the XXXX payment is due. If the car arrives and is re-delivered on XXXX XXXX I will have paid for 60 days of lease yet only have 10 days on driving. Normally, if I had taken delivery in the U.S. at the dealer, I would have taken delivery, made the `` drive off '' payment and actually driven off with the car. I would have gotten full value for the lease. When the XXXX delivery option was described to me, the worst case seemed to be that I would pay one month of lease for 10 days on driving and not have any other loss of use penalties. However, this is not the case and I would appreciate assistance in getting credit for at least one additional month of the lease.
Also, BMW Financial Services was sloppy in how they have handled my billing statements by not crediting the one month that they did in time to not trigger additional fees and penalties. After a call from me it was corrected but it should never have happened that way.
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| 11/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
|
On XX/XX/XXXX, I disputed an erroneous collections remark from XXXX via XXXX online for a lease account I had from XXXX. Within the same day, BMWFS completed their review allegedly and instead of providing any information regarding the dispute, they added new collections remarks for XX/XX/XXXXXXXX and XX/XX/XXXX.
This account was paid in full and closed XX/XX/XXXX and a new lease agreement was in effect. The first collections remark was added on XX/XX/XXXX. How is that possible when this account was paid in full and a new lease agreement had started the same day ( XX/XX/XXXX )? Even if the remark was correct ( it's not btw ), how would it go into collections that fast? Did the 30,60, 90 day remarks not apply? I've still yet to receive any documentation of the debt in question.
I currently have another lease account that is scheduled to expire XX/XX/XXXX. Although the current account has been paid as agreed and on-time, I believe that BMWFS is confusing the two accounts and\or adding derogatory remarks haphazardly. I have not received any notices of what I owe, what the debt is for and why it is now in collections status.
My current lease originally expired on XX/XX/XXXX. However, it was extended by BMWFS until XX/XX/XXXXXXXX to allow for my new car to be delivered to the local dealership. That should not have resulted in any sort of collections remarks on my XXXX credit report on either BMWFS account listed. The dates in question coincide with the dates that my current lease was extended. Again, this should not have resulted in anything other than " paid as agreed '', not " collections ''.
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| 01/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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|
Web |
Servicemember |
|
First and foremost it's important to know my history with BMW. XXXX leased my first car thru them. XXXX lesed my second car, then purchased that car at the end thru them. XXXX leased another car thru BMW finance again. Picture perfect, good experience until now.
On XX/XX/XXXX I sold my car to XXXX BMW in North Carolina. What a negative experience which all stems from BMW finance. This past XXXX BMW finance changed its rules to 3rd party buyouts preventing me from selling the car to XXXX, a cousin, or any other dealer. This sudden unannounced change made restricts the sale to only BMW dealers making the market controlled by them. This new rule allows a low offer and a high resale for maximum profit. I could of easily got {$1200.00} more from XXXX or a dealer trade elsewhere. Then to top it off the {$350.00} dispostin fee that BMW takes from the consumer.
Every single lease, the salesman wills say you can sell the car before your lease is up and avoid all the fees. With BMW fiance changing the terms this can not happen. It's a wrong way of doing business and it's full of greed. Bmw XXXX took advantage of me, BMW finance took advantage of me. While in the market for a vehicle, I know I will forever steer clear of BMW finance and every BMW dealer. Bmw made changes that do effect the consumer. They monopolized the lease turn in for greed! Then the unknown disposition fee that every salesman pre covod would say how to avoid it.
This entire final BMW transaction makes me disgusted. Taking away 3rd party buy outs only profits BMW. They never made it known about that rule taking effect. XXXX told me!
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| 12/07/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have leased a XXXX vehicle XXXX XXXX vehicle from XXXX of XXXX, XX/XX/XXXX. Every month the bank deducts the payment directly from my account. My family and I was XXXX with XXXX on XX/XX/XXXX and I was in most serious condition. My father also passed during these trying and extremely hard times. As a result, one of the payments on XXXX XXXX was returned from my bank for insufficient funds. However our lives were in disarray as all for of us were XX/XX/XXXX and were in XXXX during the entire period. XXXX in the mean while had gotten payments from my bank until now on TIME and to this date.
After seven months I received a call from BMW finances saying that I was in collections and I owe {$920.00}. I didn't have work for 8 months but I kept up my payments. I explained to them that it was because of my sickness I was unable to attend to the matter, but they have no mercy. They reported me to the credit reporting agency for seven consecutive months and demanded payments, they have do not want to help their customers during this HARDSHIP. They even today threatened to report my wife to the credit bureau. I have asked them numerous times and spoke to higher up to adjust the late fees and but they keep threatening and destroying our credits. I have spoken to the manger of finances of XXXX of XXXX and they say they can't help either. All other major car companies are helping their customer but BMW. We need the people of America beware of this situation. They will not HELP YOU during this PANDEMIC and tough economic downturn. I even offered them my XXXX test results but it went through deaf ears.
|
| 07/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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BMW Financial posted a 30 day late on my credit report for XXXX, XXXX and XXXX. My payments were made on XX/XX/XXXX. I posted two separate payments as my first payment was incorrectly entered as {$240.00} on the BMW system. I then went in soon thereafter and posted another payment for {$400.00} to ensure my acct would be current also on XX/XX/XXXX. I then received a call on XX/XX/XXXX indicating my acct was still past due as only the {$400.00} was entered in the system. I then immediately made the payment. I was always under the assumption that both of my payment had been made as I had received the confirmation email from BMW.
I sent a letter to BMW with confirmation of my email confirmation as well as the debit from my bank. BMW denied the confirmation and stated that it was incorrect even though I sent proof of the email as well as where the debit had taken place on my account. BMW asked me to dispute the amount with my bank as they had never received it. I put a dispute in place with my bank account and asked BMW to at least remove the 30 day late from my credit as the error had been on their end and as a goodwill as I have been a good customer. They once again denied everything and told me they would not remove the 30 day even after providing all the proof. I am asking that they remove the 30 day late from the 3 credit bureaus as i am unable to qualify for a good rate for a home loan that I am pursuing. Even though i urged them, they are not cooperating and when I ask to speak with management they tell me there is no one in that department i can speak with because they do not take calls.
|
| 09/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
I have follow-up with BMW Financial Service and consumer reporting agencies ( XXXX, XXXX XXXX and XXXX and they do not want to removed the 30 day late in my account when I paid before the due date which did not go over 30 days late.
This letter is a formal complaint that BMW Financial Service gave inaccurate and incomplete credit information as reported for my account with XXXX XXXX as CREDIT BUREAU reporting agency.
Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effecting my mortgage loan refinance in these uncertain pandemic period.
This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated BMW account : Name of company that reported the late item ( BMW FINANCIAL SERVICES ) Reason for dispute : ( NEVER LATE - 30 DAYS ) XX/XX/2017 Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$580.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -> Amount {$600.00} Please update COMMENTS / REMARKS on ACCOUNT with STATEMENT XXXX PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE ).
When BMW FINANCIAL Services as the data furnisher transmit the customer data to the credit bureau before 30 days the customer will be considered late on their account.
|
| 02/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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RE : Consumers need to dispute unfavorable reporting, but also need to add positive reporting histories of credit use between bureaus too.
BMW Financial of N.A. or BMW USA only reports to XXXX and therefore XXXX can not see the 4 year history of payments on my XXXX vehicle and its status as Closed in Good Standing. I am trying to get a credit line with a bank who relies on XXXX not with XXXX where this favorable history was reported. I can not add this info to XXXX unless BMW Financial of N.A. or BMW USA agrees to send it and they are not because as XXXX explained, BMW Financial of N.A. or BMW USA is following Federal Law by having only reported to one bureau.
This creates a disadvantage for consumers when creditors both : report to only one bureau, and when consumers want a line of credit from a creditor who relies exclusively on a credit report the consumer can not add favorable credit histories to because by law a creditor is required to report to one credit bureau. Consumers can't migrate favorable credit histories to creditors who may exclusively rely on one bureau.
Consumers need to dispute unfavorable reporting, but also need to add positive reporting histories of credit use between bureaus too.
Resolution : Allow consumers to migrate their favorable credit histories between the bureaus by having the bureaus either give consumers templates and contact info to do so bt/ the bureaus or to issue such favorable credit history reporting in correspondence between the bureaus on the consumers behalf.
My account # which is closed and in good standing is Loan Account # XXXX
|
| 03/19/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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After having moved to XXXX from XXXX in XX/XX/XXXX, I tried to get BMW Financial Services to send my title to the MVA to get my car registered. MVA claimed to have never received the title and I was unable to register the vehicle. I continued to call back and forth with BMW having claimed to have sent out the title multiple times over the next 10 months until the XXXX registration expired on XX/XX/XXXX. From this point on the car was undriveable. In XXXX of XXXX, BMW was supposed to have sent out the title, after contacting the MVA multiple times and them saying it was never received, I called BMW again. BMW then said they have never sent it, sorry ... I continued to contact BMW Financial and the MVA to get this situation resolved, and by XX/XX/XXXX I gave up as there was no longer a point to register the vehicle for the next 3 months before I could turn in the BMW early. I paid all payments on time and continued to insure the vehicle. BMW refuses to work with me on this situation. I even considered trading the vehicle in early just to get a vehicle that would be drivable. I called today, as the COVID-19 situation my company has closed down due to a mandatory order from the Mayor of DC. One representative sent me to another saying that with the unique situation they couldn't see why they wouldn't be able to waive a payment or more. After paying close to {$7000.00} in payments and $ 1500+ in insurance that I could not be driven for 8+ months, BMW refuses to concede anything for this issue. I was unable to register this vehicle through no fault of my own.
Thank You XXXX XXXX
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| 09/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
Purchased a new car on XX/XX/XXXX with a car ( XXXX XXXX ) as the trade. Old car financed with BMW Financial Services, new car financed with BMW Bank of North America. I tried unsuccessfully to work with the dealership to finalize the payoff on the old car. On XX/XX/XXXX, I contacted BMW to request help. Response on XX/XX/XXXX below.
Since that time I now have the new car loan and the old car loan on my credit report. In addition, I do not have possession of the old car and canceled the insurance. At this time, I am concerned I am also responsible should anything occur on the car.
I have communicated with the dealership the concerns to which the dealer has indicated it is due to a cross state transaction. This is not acceptable and I am now forced to make two car payments so as not to impact my credit score.
The response was : BMW Representative Financing Account : XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX Dear XXXX XXXX : Thank you for contacting BMW Financial Services regarding your account. We are happy to assist you.
We apologize for any inconvenience. We do not see your payoff has been received yet for this account. We recommend to allow 7 to 10 business day for your payoff to be received and for your account to be terminated.
We are committed to providing you with the highest level of service. If you have any further questions, please respond to this message or consult a Customer Service Advocate at ( XXXX ) XXXX, Monday through Thursday from XXXX XXXX. to XXXX XXXX ET, and Friday from XXXX XXXX to XXXX XXXX ET.
Sincerely yours, BMW Financial Services NA , LLC
|
| 10/09/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
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|
-XX/XX/XXXX, I leased XXXX XXXX XXXX, lease terms 3 years and XXXX miles per year. financing company was BMW financial. lease ends on XX/XX/XXXX -XX/XX/XXXX, prior to my lease end, I entered into another lease for another XXXX XXXX XXXX, lease terms 3years and 15K miles per year. I have used BMW financial " pull ahead program '' which stated the following, BMW will " waive '' the last 3 payments and the lease disposition fee if I rolled my lease into another BMW. At that time I only had 2 payments left.
-XX/XX/XXXX, I received my end of lease statement with a balance of {$3000.00} which included the last 2 payments {$2000.00}. however the lease disposition fee of {$350.00} was waived as stated " pull ahead program ''. I have contacted BMW financial and paid my portion of the that balance {$960.00} and explained to them the mistake on the statement. I followed up with registered letter on XX/XX/XXXX to state the same explaining that I followed their program.
- on XX/XX/XXXX I received a letter informing me that the " remaining payments have been covered by the pull-ahead program '' and that I have a XXXX balance -on XX/XX/XXXX BMW financial reported me to the credit bureau as late 30 days. I came to find this out last week when my credit was pulled for a mortgage application. I have never had a single late payment in my life so this destroyed my score and lowered it.
- In short, I have done everything in accordance with the agreement I signed but because of BMW financial negligence my credit has been destroyed. it is wrong and this company need to be held accountable.
|
| 08/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American |
|
I was billed {$19000.00} for being past due {$1800.00} on my BMW lease.
The car was repossessed and sold in the auction. I was not informed about the impending auction sale of the car while I still could pay the debt and get the car back. The lease contract ( attached ) says that I was supposed to receive the reinstatement rights letter and have 25 days to get current on my lease payments ( highlighted in the attached Lease Obligations document, point 26g ). I have never received the letter. When I spoke with Financial Services they say the letter was sent but apparently got lost. There is no proof of the letter being sent to me. The largest part of the bill I got is the difference between the supposed car value and the auction sale price.
Consumer advocates website ( https : //www.consumeradvocates.org/fXXXX ) says : -You may be able to buy back the car by paying the full amount you owe or even bidding on the car in the auction. In some states, you can get your car back if you reinstate your loan and pay repossession costs.
-The sale of the car must be done in a commercially viable manner, meaning that it is not sold for way below market value. This matters because you will be held accountable for the difference ( deficiency ) between the sale price and what you still owe on the loan.
-In some states, the creditor must tell you if they are keeping the car or are planning to put the car up for auction. If there is going to be an auction, they must tell you when and where the auction will take place.
In my case, I could not exercise any of my rights.
|
| 10/20/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
I signed a 36 month lease with BMW with an option to buy at the end of the lease. From the beginning of 36 months there was one total on the entire vehicle, and there was a separate total counting down {$600.00} a month with each payment I made going towards the total amount of my 36 month lease.
If I chose to purchase the vehicle at the end of 36 months I was given one balance, that was written out in writing. In my contract. I do have documentation of this balance.
As of XX/XX/2020 my complete payoff balance to purchase the vehicle outright was totaling around {$28000.00}.
Two months later my car was deemed total because the insurance did not wish to cover the damages of a tree branch falling on the top of the vehicle. They wrote out a check for {$30000.00} and sent it to BMW.
Afterwords I received a notice that I had {$2000.00} added to my total payoff balance.
When I called BMW they said this was added because they wanted extra money for some of the features of the vehicle, after they found out the vehicle had been totaled And being paid by insurance rather than being paid off by myself.
When I signed my contract I was told that the total of my vehicle was one thing and after they found out it was totaled and going through insurance, they changed the number and are requesting about {$3000.00} extra for the pay off. When in reality they are supposed to send me anything that was paid over from insurance, being about XXXX
I asked them to show me in the fine print where they can change the payoff balance if it were totaled and I got hung up on.
|
| 05/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I obtained my XXXX XXXX in XX/XX/2019. At the time, I requested a lease ( I have leased countless vehicles over time, including XXXX prior BMWs ). I was provided a " lease agreement '', which the dealership referred to as BMW Owner 's Choice. I was told that this is how you lease a vehicle in Georgia. I didn't think twice. 2.5 years later I went to register the vehicle in another state. That state would not register the vehicle due to the conflict between ( i ) my name being on the title and XXXX ii XXXX the lease structure of the financing agreement. Even if they could register the vehicle, it would have required a full tax payment on the leased vehicle despite only 6 months less on the lease ( since my name was on the title ). Apparently BMW temporarily ( it no longer exists in Georgia ) created this structure to circumvent leasing laws in Georgia, yet neither BMW Financial Services nor Global Imports BMW provided NO DISCLOSURES around the implications of this, including the challenges with registering the vehicle in another state. I am now stuck in a situation where I am unable to register the vehicle. I spent hours on the phone with BMW Financial Services and with Global Imports BMW, even requesting that I turn the vehicle back in early and make the full payments through the balance of the lease term, since I can not be in a possession of an unregistered vehicle. Both entities neglected to get back to me on many occasions, due to their unfamiliarity with the financing structure they put in place that no longer existed. I have now run into a dead end.
|
| 07/04/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
On or about XX/XX/2021, i leased a XXXX XXXX XXXX.
The sticker advertisement on this car advertised that the car provides for 75MPGa, see attached as a true and correct copy of this advertisement by BMW which also list the VIN of the car leased to me.
Subsequent to this BMW 's advertisement, i : leased the car.
Within a few days, i : noticed that BMW 's advertised 75MPGa is completely false and i : do not even get half of that.
In good terms, i : first contacted the dealer, i : was told i : should contact BMW headquarters, which i : did, see attached a copy of this email communications with BMWs agents.
In short, BMW 's management denied compensating me for my losses due to false BMW 's advertisement that the car delivers 75MPGa when it clearly does not by BMW 's own admission later on upon diagnosis at BMW.
Since i : have been severely economically and emotionally damaged as a direct and proximate result of utter false BMW 's advertisement that the car i : leased has 75MPGa consumption when it clearly does not, i : am demanding that BMW compensate me for my economic losses.
BMW has agreed with me that they cheated me, but they do not provide any remedy to me for cheating me -- misrepresenting that the car get 75MPGa, when it does not get even half of that i : researched the law and found out the standard for fraud is 3X the amount of the fraud and i : keep the car, the car 's value is about {$50000.00} times 3 makes it {$150000.00} plus title ownership change to me.
Please fee free to call, mail or email me with any questions that you have.
|
| 09/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
, I'm writing in regards to my concerns of being upside down financially in my XXXX.
Ive had 3 XXXX 's I've experienced and this is my third.
I had a salesperson by the name of XXXX at the XXXX dealership on XXXX XXXX and XXXX in Arizona and he basically took me out of my XXXX Lease of the brown XXXX and put me in the XXXX red XXXX.
We went over pricing things of that nature and how the leasing was different than the purchase.
However, he never explained that there was going to be an absorption of cost from the lease to a purchase.Instead of the cost being XXXX used rental from the dealership Im upside down of XXXX from the lease that was in my name.
I work as a Independent Consultant for XXXX XXXX and due to the pandemic we are going thru a reorge reorganization and I found this week.
So I don't know what other options you can offer me I am in the verge of filing for bankruptcy chapter XXXX in by next Friday.
I thought you couldn't get a resolution based on my last conversation with customer service.
I just need to figure some things out.. I feel like I've had to struggle with the car and he put me as a predatory lender in a car that he's no longer even with the company and just for a sale and I've had the car now for two and a half years.
I would love the option of maybe leasing again possibly or voluntarily surrender /giving the car back.
I wanted to inform someone of the misinformation the miscommunication that was presented to me to put me my current car financial situation.
Please advise of my next steps to do.
Sincerely,
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| 11/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I have been a BMW customer for over XXXX years with no late or missed payments. I was in the process of leasing my XXXX bmw and each time more expensive. This payment was agreed to be XXXX with the agreed terms that I will return the current lease and all lease end charges for that car will be negated since I am leasing a new 2021 car from them that is more expensive than the one I am returning. They agreed that this deal was fair. I signed the paperwork and I was on my way.
A few months later I get a statement for {$1000.00} dollars for the car I have returned and was told that I must pay this lease end payment. This was completely incorrect and not the deal that was made with BMW when I signed a new car lease. After multiple back and forth with them they decided to proceed with harassing me to pay this lease end payment. When I asked for paper proof of the statement they sent me a letter ( attached below ) and the amount was for {$680.00} dollars. Once again their financial services account says {$1000.00} and the paper statement from bmw financial services says {$680.00}. They are sending misinformation and providing me different amounts to pay. I am worried about my future and my credit score/report. I have always paid my bills and do pay my bills on time. I have never missed a payment to BMW financial services or any other credit card company. They are trying to XXXX my reputation as a good citizen and paying my bills. Please assist me in removing this from my report. I do not deserve this as a customer and as a citizen of this country.
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| 08/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I entered, in good faith, into a consumer credit transaction with BMW Financial services on XX/XX/XXXX. During this transaction, I was asked for my credit card ( social security card ) pursuant to 15 USC 1602 ( l ) to fund this transaction, as under 12 USC 1431 banks are strictly borrowers, and I the consume under 15 USC 1602 ( f ) am the original creditor. I was told in an unlawful adverse action letter that due to their internal standards I had been denied credit. Under 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) internal standards are not sufficient to deny me of my right. The ECOA strictly prohibits the type of adverse action that can be taken under 15 USC 1691c, and mentions nothing about internal standards, low income, too few accounts or how long I have had my credit. BMW Financial services unlawfully discriminated against me, as under the ECOA they can not discriminate against an applicant who has applied in good faith, or exercised any rights in good faith. This constitutes as unauthorized use of my credit card under 15 USC 1602 ( p ) and i wish to be compensated for my damages by either granting me my extension of credit to purchase the XXXXXXXX XXXX that I applied for, or a car of like grade and quality. Under 15 USC 1611, 1691, and 1691e they can be held labially civilly and criminally for breaking the law and discriminating against me the consumer and applicant. I will also be mailing off my concern to the proper department at BMW Financial services, I have attached a copy that will be going out on XX/XX/XXXX and should arrive 5 days after.
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| 05/05/2020 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This letter I am writing is to request that your company stop reporting an account that says it belongs to me, this account was opened without my permission and without my authorization. I request your company to block it from its collection systems and stop reporting this account to credit agencies. That is hurting me a lot.
The account is : BMW FINANCIAL SERVICES ACCOUNT NUMBER # XXXX The information contained in this account is reported negatively in my credit report, With this complain I want make it clear that this account is not related to any participation made by me. Such transactions are the result of identity theft.
Block this information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened for fraud, as you should know that it is illegal and wrong for you to report an account that can not be verified and incorrect information reporting under my name and my social security number, I have every right to request and require that these fraudulent accounts be blocked immediately. Pursuant to Federal Laws that protect me as I am a victim of identity theft and I provide a police report and all documents required by law to support this fraud, sections 605B and 611 of the Fair Reporting Act, which state that Your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must immediately notify those who have my information.
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| 02/12/2018 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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All of my accounts have been hacked an I believe that BMW is behind it. Bmw has is doing everything that they can to keep me from getting to the right place to file a compliant they hack in my phone. They disable my car remotely. They have people following Me 24 hrs a day. I call the police but they do not want to help. They say everything they can to keep me chasing my tail. I've be hacked money frozen card towed illegally. Threaten all of these thing stim from bmw an this software they are developing for the driverless cars I THINK WHAT EVR IT IS ITS ON M6 CAR AN THEY HAVE WORKED WITH THE POLICE TO SEPERATE ME AN MY CAR. THESE PEOPLE FOLLOWING ME DISABLING MY CAR MAKING BREAKS GO OUT POWER SEEM TO BE DEAD THEN COMES BACK OVER HEATING THEN FINE IT'S LIKE THEY HAVE BEEN USING ME AS A TEST DUMMY. The police I hear are to be getting carS fRom bmw. My car is still in the pound police had a 3rd party pick up the car then called back in an said that I requested a tow. I have towing with bmw free I need help. I don't KNow what else to do when the police are involved in a crime an it seems that they will stop at nothing to keep me quiet they have put tires on flat take out fuses in my car so it wouldn't run. Hacked phone an have calls I call go to them. My name is XXXX XXXX XXXX XX/XX/XXXX. I don't feel safe. I was left in the middle of the street at night for 2 hrs an police drove by like I wasent their. I was taken to XXXX they tyed too wipe my phone 's clean I recovered them. Police helping these people that are following me please help. XXXX
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| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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In XX/XX/2021 I had XXXX XXXXXXXX and missed a payment, I was never notified that I was late, or behind and no obvious information was available to let me know of a problem.FIVE months later, a rep from BMW financial services contacted me about a problem with my account and wanted me to verify info because I do not verify incoming call information. I logged into my account, saw a problem, fixed the payment issues, and assumed all was well. Now BMWFS is reporting me late four months in a row despite me giving them money every month. Their lack of notification on this matter corallites very conveniently to when I need to refinance this loan. They have knocked my credit score down almost 150 points and will be expecting me to refinance my loan with a sub XXXX credit score which GREATLY benefits their bottom line.
My stance is here IF I had been notified on any level other than 1 email per month, I would have taken care of this immediately. They are taking advantage of the situation, keeping me from a home purchase and ruining my credit score. I have had one late payment in the last eight years ( an oversight at {$32.00} due to switching primary banks ). With these egregious reports, my financial freedom is in jeopardy because they did not notify me about a matter as grave as my credit score. And their " courtesy notifications '' seem to be entirely arbitrary as to when they will let their customers know there is a problem with their account standing.
I sent them a dispute letter on XX/XX/XXXX and didn't receive a reply until XX/XX/XXXX.
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| 01/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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BMW Financial Services informed during Covi19 no late fees or credit reporting while trying to make payments due to loss of job and earrings. They decided to change that in XXXX. I didnt received any notification via email or official letter in the mail. They have posted derogatory 30 days in XXXX and also XXXX when in fact they received full payment during the ten day grace period.Payment due date is XXXX of each month. Account is up to date but they continue to mislead the report past due in XXXX which is not correct. On the XXXX also the XXXX and on. They have changed the report several times with wrong information and not what should be up to date. They also explain that they added XXXX to derogatory while the no report to credit bureau and late fees rule still applied. Per BMW Financial above rule stopped applying on XX/XX/XXXX. As of XX/XX/XXXX they continue to mislead my report with XXXX past due as of XX/XX/XXXX This is unacceptable as the information is not correct they are not owed that money as the new payment is due XX/XX/XXXX for the regular monthly payment.
I have disputed over and over with the bureau and they continue to change report to make it look the account is past due. Which is not. I have documentation to support. Also they have a recording via phone in case you need help during COVI19 when you ask about. They say is an old prompt and doesnt apply. We are still in a pandemic with loss of income and jobs. I find this actions irresponsible and careless as is certainly a game for this people to ruin peoples credit.
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| 10/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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Title 15 COMMERCE AND TRADE - CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER 1 -CONSUMER CREDIT COST DISCLOSURES 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Board under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided that, effective on the designated transfer date, this section is amended by striking Board each place that term appears and inserting Bureau. See Effective Date of XXXX Amendment note below.
EFFECTIVE DATE OF XXXX AMENDMENT Amendment by Pub. L. 111203 effective on the designated transfer date, see section 1100H of Pub. L.
111203, set out as a note under section 552a of Title 5, Government Organization and Employees.
1612. Effect on government agencies ( a ) Consultation requirements respecting compliance
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| 02/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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I got a new car loan with BMW Financial Services in XXXX of XXXX. This car loan was never reported from XX/XX/XXXX until XX/XX/XXXX. They reported this to my credit bureaus over 10 years after the fact and it was false information. I called the company today and was lied to about the communication efforts and notifications that were never recieved by me and was unable to get transferred to someone who could help me. Just kept continuously getting lied to.
This car was voluntary surrendered in XXXX over 5 years ago due to a hazard to drive, The car was never in good standing mechanically from the day I purchased it. The car was a HYBRID and was unsafe from the time I bought it. BMW was made aware of the faulty system numerous times and it went back to the XXXX XXXX numerous times. I was then told by my XXXX agent they would buy it out or replace it. On the way home from BMW I was involved in a MAJOR car accident in the BMW which took 8 months to get fixed when they should have totalled it out. When i got the car back from BMW service center it was still unsafe to drive if not worse.
When i corresponded with BMW in XXXX for the Voluntary Surrender, it was the last time I had heard anything from them. NO notices in the mail, by email or by phone.
They now, After 10 years of opening the account, they decide to report it to my credit reports as a charge off, 30 days past due. I havent heard from BMW Financial since 2017. These dates are way past the Statue of Limitations with the State of Florida.
I have since disputed.
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| 12/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
Servicemember |
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We purchased a CPO BMW from XXXX XXXX XXXX. Since then my vehicle has been in and out of the service department at least 9 times since XXXX of this year. I was told it was a gas tank that was replaced the first time after I was told that there was not even one tank in the world but keep driving on it although it was burning gas. BMW Corp office contacted me after I emailed everyone I could locate and offered me a XXXX customer loyalty check. After I accepted the check and believed my car to be repaired, I received an email that my vehicle gas tank had arrived to the service department. Via email I questioned BMW because my engine light came on and I received the email, that the part had arrived after I was told and only signed under the impression that it was on. The XXXX XXXX the contact said it was an error but within a couple of months the tank was again replaced due to the engine lights. I was not able to work my husband was XXXX with the military and now we are falling behind in paying the vehicle whose light has come on and serviced 6 times since XXXX. They will not take back the vehicle and are now giving us a hard time telling us to trade it in, but if you trade it in they can read the key and see all the repairs and they are now saying it 's worth XXXX less than what I owe. Please help resolve this. The vehicle is not safe we have corporates for months and the lights keep coming on and it is affecting my job and now I am falling behind. I have emails and service records to document this on going battle.
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| 07/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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Leased an electric car.
BMW received a benefit of more than {$7000.00} for the electric incentive rebate from the government The car would not charge because it was not designed to charge when it's more than 95 degrees out. But they sold it in Arizona where the temp is always over that for 5 months of the year.
Returned the car. Bought a different car because they wouldn't let me out of the sale agreement. ( illegal - car was mechanically non-functional ) New car deal, they " reversed the incentive '' which was wrong because I went from lease to loan. And they financed the incentive into my new payment.
When I realized this was wrong many months later they refused to negotiate to resolve this discrepancy. I had someone willing to buy the car at a reduced amount of about the same as this {$7000.00} amount ( which was not real value ever ).
I stopped paying because I couldn't get their attention and then they repo'ed the car but now they are trying to collect the amount due which coincidentally is the same amount I had a buyer to sell the car to!
They broke the law with leasing me the electric car that was a lemon because it should never be sold in hot climates.
They controlled all the options until the very end and now they will not let it go even of what they think " I owe '' even though I have no car and couldn't sell it and lost my money, time and am out a car. In addition warranties and other intangible benefits such as gap insurance that was paid has been lost due to this forced liquidation.
|
| 03/25/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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Web |
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XX/XX/2015 I paid my XX/XX/XXXX lease payment and set up auto pay for the account. The auto pay did not work. I noticed that the funds were not withdrawn from my account in XX/XX/XXXX by which time I was past due over 30 days and I was reported to the credit agencies. In researching this, it came to light that BMW FS sends out a reminder email within a week after a missed payment. In my case there was a " clerical error '' which has been admitted by BMW. Yet they will not acknowledge that it is unfair that I was the only customer of theirs that did not receive an email or notice and hence affecting my perfect credit profile adversely. I have had XXXX leases with BMW and spent over XXXX without being late- and yet they refuse to see the correlation between a wring email and lack of notification ( when I set up auto pay thinking all is well ) and the situation that I am in. They also claim their third party sub contractor called me, yet I have no message or record of it ( I have provided my phone bills to them. ) They keep telling me that it is my responsibility - how about a functioning website and having my email input correctly- whose responsibility is that? I believe my track record speaks for itself. Yet they keep telling me by law they have to report me and can not do anything and from what I have been told and have read that is simply not true.
Simply put, why was I excluded from learning of the situation with my account by a misspelled email address in their system- which they have admitted to?
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| 06/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To Whom It May Concern, I Leased a vehicle ( Acct # XXXX ) through BMW Financial Services. I paid my entire lease for 36 months and at the end of my lease I recieved a Excess Wear & Tear bill for {$1700.00} and a additional charge of {$300.00} for supposedly dropping off the car a week late ( Which i didn't ). I called BMW Financial Services and they contacted the dealer and they verified that the car was dropped off at the correct time and was never late. BMW Financial had realized they had made an error on this bill and removed the erroneous charge and I paid the bill in full right there on the spot {$1700.00} on XX/XX/2019 ( proof of payment Attached ). It has since been over 2 months and they are still reporting to the all 3 credit bureaus that I have a balance of {$2.00}. I have filed a dispute with all 3 credit bureaus and BMW Financial Services responded to the credit Bureaus by saying the balance is correct and I owe {$2000.00}. I called BMW Financial Services End of term Lease dept and spoke with a supervisor by the named XXXX and all I got from XXXX is the run around. XXXX kept telling me that he sees a {$0.00} balance and doesn't know what else to tell me. So I then I asked XXXX If they can send me a letter in writing saying that I have a {$0.00} balance on the account and his response was no. I don't know what else to do. This is taking a tool on my credit report and my score went down due to this and its taking a tool on my life. Please help me. my number is XXXX and my email is XXXX XXXX
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| 07/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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My loan account with BMW Financial Services is past due for the months of XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX payment coming due on XX/XX/XXXX. A payment in the amount of {$300.00} was returned, the account it was scheduled to be drawn from was closed by XXXX XXXX, I received an email today on XX/XX/XXXX from the bank stating so and thus why payment was returned. XXXX XXXX is sending me a check for remaining funds which I will sign over to BMWF for payment on the account. I do not know the exact amount as of yet, I do not have access to account due to closure. Further, I am expecting a settlement check from Wells Fargo for a total amount of {$5100.00}, I have attached a screen shot of an email from an XXXX XXXX with XXXX XXXX detailing this information. The settlement amount is {$3700.00} and taxes are included for the total amount of {$5100.00}, this check will also be signed over to BMWF for payment and I was provided an address to send to via message on BMWF site. The estimated time frame I will receive check is by XX/XX/XXXX according to the email, I will continue to make payments via bill pay through my XXXX account, I will try to cover the XX/XX/XXXX payment by XX/XX/XXXX but can not make any promises or guarantees. I am still without a phone to call BMWF directly, I do not know if it was noted or not about this, I did mention this fact in prior CFPB complaints. I request BMWF hold off on possible repossession, I will overnight the payments in order for them to post more quickly, if needed.
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| 01/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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I bought new XXXX XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX GA USA. On JXX/XX/XXXX. Finally we agreed all the price I went to finance room and he try to charge 5.89 % APR and that is the best interest rate to my credit ( its XXXX credit score ) can not lower it. But later he said le can lower it to 3.89APR if I purchase interior protection and Lo Jack and charged {$1900.00} for both. And then he offer me additional maintenance plan of 4 year 50K miles for {$4900.00} then he can lower the APR to 1.89APR. And I accept that because it was almost XXXX XXXX and I can not spent another hours for dealing with that.
But the problem was happened after that.
When I signed paper I trusted him but it was totally over charged.
I called same dealer today and spoke one of the sales person because it was too high for does extra charges. And his name was " T .... '', I asked him, I plan to buy XXXX XXXX and what is the additional charge for extended maintenance plan, and he said I dont know and I have to check. So after he checked he call me back the extended maintenance plan for 4 year 50K is {$2400.00} and 5 year 75K is {$3300.00}. I got evidence he said that. So I text financed person regarding that and he refused to fix this issue And never explain why it was charged double.
After this issue, I am worry about all other charges, look like all other charges, Lo Jack, Interior Protection, Gap Insurance look like over charged too.
Totallay charged additional {$7700.00} for additional service purchase
|
| 01/26/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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I keep getting calls from XXXX ( XXXX ) XXXX. Multiple times a day, all times of day. They keep calling to my work line. Whenever I pick up, they hang up immediately, but still continue to call throughout the day. I finally called back to find out it was a number associated with BMW financial. I do not own a BMW, and have been at this same work line for over two years. This is the first time I have gotten calls from this number. I finally was able to speak with somebody around XXXX on XX/XX/XXXX to ask them to take me off of their list. I explained that this is a work number, it is my direct line, and I have nothing to do with a BMW, and never have. I asked them to quit calling me, and again told me to take them off their list. They said my direct line is associated with an account they have. I explained to them that there is some sort of mix up, and that somebody gave them a wrong number, and they need to quit calling as this is a business line, and the person they are trying to contact is not at my work line phone number. She said they would make a not on the account. I asked to speak to a manager and she said she did n't have one.
I came into my office this morning, and low and behold there were another two missed calls from the same exact number XXXX, from XXXX XXXX the night before. After I spoke to the person that said she would put a note on the account. Please stop these calls, this is a business line and incredibly unprofessional to be harassed constantly with these phone calls.
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| 10/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
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Web |
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My ex-wife ( XXXX XXXX XXXX - now XXXX ) and I ( XXXX XXXX XXXX ) are co-owners of a XXXX XXXX XXXX XXXX that is financed Through BMW Financial Services. She recently moved to Florida and went through the process of titling the vehicle solely in her name. Prior to her doing this I contacted BMW Financial and expressed my concern over her titling the vehicle solely in her name. I was not willing to do this unless BMW removed my name from the loan. I was told BMW would not allow this to happen.
Well they did just exactly that. They issued a letter to the Dept of Motor Vehicles in the State of Florida giving them permission to remove my name from the registration and title. I feel now I have no recourse if XXXX fails to make payments on the loan. I was told by BMW Financial XXXX could refinance the loan and take my name off. This was the only way I would come off that loan. She is not willing to do that. Why would she?
So my complaint is : BMW has caused by their actions to create an imperfect title.
Resolution : Remove my name from the vehicle loan and make XXXX XXXX XXXX solely responsible for the existing loan or issue a new loan attached to the XXXX XXXX XXXX that is now in her name only. Or at the very least a letter from BMW Financial stating that if XXXX were to default on the loan they will not seek restitution from me.
I have attached a copy of the letter from BMW and a copy of the old title for the XXXX XXXX XXXX. giving this permission to remove my name from the title.
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| 05/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
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It appears to me that the issue at hand ultimately defines itself as " Extortion. '' The lease ended on XX/XX/2020. I aked BMW financial services to extend the loan and was told, " Dear Mr. XXXX : Thank you for contacting BMW Financial Services. We hope you are healthy and safe, and we are here to assist you during this difficult time. Our records indicate that your balloon payment is due on XX/XX/2020. Regretfully, we are unable to extend the maturity date on a select account. '' It is unclear what it means by " select account. '' My understating of the above statement is that we do not care whether the entire world is in the pandemic and disaster. We want our money.
The primary issue on this complaint is that the amortization calculation indicted as of XX/XX/2020, that I owe {$10.00}, XXXX ( see attached ). However, the payoff instruction indicted that I owe {$12000.00}.
There is a {$1300.00} discrepancy.
I sent two emails requesting an explanation. BMW financial services decided to ignore me and did not respond to my emails ( see attached ).
I had to borrow money to send the extra {$1300.00} because I was afraid that they would intentionally and unjustly report me to credit bureaus. The pay off check was sent via XXXX.
On XX/XX/2020, while the entire country was on lockdown, BMW financial services wrongly report 12 late payments to three Credit Bureaus to intentionally demolish and destroy my excellent credit history.
I have been filing the second complaint shortly.
|
| 05/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello, I filed a complaint with the BBB about BMW Financial on XX/XX/XXXX, the why I filed a complaint because BMW was reporting a late fee to the credit bureau and not the initial car payment then they retro-acted my credit report and reported XX/XX/XXXX and XX/XX/XXXX 30 days late when it was once reported paid as agreed. Of course the complaint when in to favor of BMW. But, I filed another complaint with BMW on XX/XX/XXXX, because the sent me a letter stating that I own late fees so I called BMW and their representative contacted the credit department and the credit dept stated all of the extra money goes toward the car-note, and not the late fees. I told that representative that I have never heard of such because you ca n't separate the late fees from the car-note because its one payment. Then the representative tole me if you do n't pay it, it will go towards your car-note, and for the month of XX/XX/XXXX your car note will increase by XXXX dollars, but if it remains as a late fee we want report it to the credit bureau. The document of the outstanding late was a cover-up because they reported the late-fees to the credit bureau therefore they had to put something in black and white. So I contacted XXXX from the BBB locate in Ohio who investigated the first case he also agree, and I sent him documentations also and he ca n't find any late fees ... .BMW did this because of retaliation, and now they are harassing met, and reporting false information to all three credit bureaus.
|
| 07/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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|
I was minsinformed by a BMW representative that my account was current on XX/XX/2015 Since the account was current I made my normal payment by the XXXX of that month. It turns out that BMW had an Issue posting a payment from the prior month and lied to me when they said everything was current in the month of XXXX. Since I thought everything was fine I made a payment on XXXX and XXXX on my regular due dates. I did not find out until after my XXXX payments that they had reported me late. The representatives at BMW have constantly given me misinformation about what the last day is to pay my payment is and when the daily cut off time is. I had another instance where I made my payment before the next payment was due and they still reported me late. This happened inXX/XX/2017 when the BMW website was down and they were not able to take my payment as confirmed, even though the website said the payment was in process. I called and explained that I did not want to make a phone payment and an internet payment at which time the BMW representative said everything would be fine and thered be no late reporting. Again the rep lied and BMW financial services damaged my credit. This company has now recently adopted the policy of not being able to dispute anything, including this dispute, unless its by normal postal mail. This policy just changed about two months ago. Please help. This is hurting my credit all so that this company does not have to give lower rates to its loyal customers.
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| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
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Web |
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I currently have 2 other lease accounts with BMW Financial, that are on automatic withdrawal for payments. Both current and up to date accounts, are up for auto lease returns and I fully intend to replace them with 2 brand new auto leases. I have been a loyal and upstanding customer for years.
The above disputed account was a lease return that had a mileage balance. BMW gave me 365 days to pay this account in full, since this was during Covid. I humbly accepted the opportunity. In XX/XX/XXXX, I made a second last payment through my BMW financial services online portal, in the amount of {$490.00}. The last payment of {$500.00} was called in and was scheduled to be processed on XX/XX/XXXX.Why this could not be entered in auto pay is shocking. BMW did not process this payment request and I did not notice it was not processed since I have never had this problem. I assumed BMW would process the payment since it was scheduled. I have no Idea what went wrong when I followed all the necessary steps. I was given no notice via mail - email or courtesy call that it was going to collections. This has significantly affected my credit! It went down 125 points from having a 773, I now have a XXXX. PLEASE remove the delinquent credit report immediately, as I in good faith scheduled the payment with your representative on the phone but it was not processed for unknown reasons BUT I promptly made full payment when I noticed it on my credit report today. The account balance is XXXX.
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| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am writing to bring to your attention a concerning issue I have been facing with BMW Financial Services. Recently, I discovered that they have misused my credit report and have not removed any late payment reports from my credit report even after my car loan has been fully paid.
To provide some context, I had taken out a car loan from BMW Financial Services a few years ago. Throughout the duration of the loan, I made all my payments on time and in full. However, despite this, BMW Financial Services reported multiple late payments to the credit bureaus, which had a negative impact on my credit score.
Furthermore, even after I had paid off the entire loan, BMW Financial Services did not remove any of the late payment reports from my credit report. This has continued to negatively affect my credit score, making it difficult for me to obtain credit in the future.
I have attempted to rectify this situation by contacting BMW Financial Services multiple times, but they have been unresponsive and have not taken any action to remove the late payment reports from my credit report.
I believe that BMW Financial Services ' actions constitute a violation of the Fair Credit Reporting Act and have caused me significant harm. I kindly request that you investigate this matter and take appropriate action to ensure that BMW Financial Services rectifies their error and removes the late payment reports from my credit report.
Thank you for your attention to this matter.
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| 08/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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On XX/XX/2023 I applied for a money purchase loan, the company denied my application. I made this application in good faith for my household and personal use. With the equal credit opportunity act I can not be discriminated against as the full faith and credit is backed by the United States. The federal reserve act sect 16 ( 1-2 ) states that I was to be credited the amount of the application. You cant deny me credit as that is security collateral. My question is if the financial institutions or bank denied my loan yet still deposited where is my benefit. Banks donot and can not loan credit just money. This application was made in good faith for my household and to be denied when Im the issuer of the credit card ( ssn ). In the transaction I am creditor per 433.1 defines creditor, issuer, money purchase loan, and credit card issuer. So how could I be denied if all obligations are of the United States.. I have exhibits to back laws. I have also provided the denial and the application. This company is also under the Sec. the application was the security collateral for the entire transaction. This is a federal violation and considered a RICO ACT. If you would like to further discuss this information in private please reach out to me via email or phone. Banks can not lend credit they can ONLY lend money by law. So how can I be denied of my rights to contract. I can send this application to the FDIC and file a complaint with the irs ( 3949a form and 211 form ).
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| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 09/05/2020 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
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| 01/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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XXXX BMW & BMW FINANCIAL SERVICES both are in Violation of Title 15 by using deceptive forms, language, mode of operation along with deceptive tactics. This Notification is for all principals, franchises, agents, Government actors Et al On the XXXX of XXXX, at approximately XXXX hours. I arrived at the XXXX BMW Dealership located at ; XXXX XXXX XXXX XXXX, California XXXX. I was met by a salesperson, XXXX XXXX who proceeded to provide the following information. He stated that BMW Financial Services has a numerous stipulation and require XXXX as a down payment. He further stated I needed to provide insurance, which is also false and misleading. I advised XXXX XXXX that I wanted to acquire an Automobile via a Consumer Credit Transaction and NOT a loan. He responded by saying he didnt know what that was. I advised him that Ignorance of the Law is No excuse. All Automobile Dealerships Participates in Truth in Lending Act, including XXXX BMW therefore it should be known to all within the Management and sell team. He further stated that BMW Financial Services was lending me credit. Which is false and misleading due to the fact that the origin of the credit is the consumer, the original creditor making the extension of credit to XXXX BMW and BMW FINANCIAL SERVICES because they both ran my credit and gave me without nothing in return. BMW FINANCIAL SERVICES sent me an adverse letter stating that the went to a third party for decision making on my behalf.
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| 09/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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I went to XXXX BMW in XXXX XXXX to purchase a car. I found XXXX I wanted and I also had an older XXXX to trade in. I worked out a deal with the dealer that they would pay off my loan for my older BMW for {$12000.00}. I got my payment numbers down to a number I could afford after the trade in etc of the old car ( {$510.00} ). I went into the finance office to sign off on paperwork. He offered me of course several extra options for warranties etc, all to which i declined bc i could not afford more than {$510.00} per month. He showed me on his computer the XXXX, and if i added anything it would be {$560.00}. again, i said no to anything extra bc {$510.00} was already the high end of my budget. So he printed out paperwork and I signed, not reading the fine print, of course. So I get my bill in the mail, and it is {$560.00}. I looked at the fine print of my contract and I notice that instead of paying my old car loan off, they only paid {$10000.00}, and added the extra {$2500.00} ( my balance was XXXX ) to my new loan. Thats interesting, and dishonest. Do n't tell me you are gon na pay it off then sneak the rest of the money u did n't wan na pay into my new loan. So, i call there, speak with managers etc, and of course all they say is, well you signed the paper. Yes the paper that was supposed to say all the things we agreed on verbally XXXX minutes before you printed them out. This place is a joke. What can I do?? I ca n't pay {$560.00} a month.
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| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I went to lease a new car at XXXX XXXX in XXXX, GA. I informed the salesman of the terms I was looking for and that I want to do the transaction under my company.
I selected the car and negotiated the price. A personal credit application was handed to me to fill out ( I found out later it was supposed to be the credit application as a guarantor of a lease ). They ran my credit, submitted the inquiry. I was asked to unlock both XXXX and XXXX credit bureaus accounts. They obtained a report and credit gets approved. While signing paperwork, I realize the paperwork being signed was for a personal lease, not for my company. The financial officer corrects the paperwork and I drive home with XXXX XXXX XXXX. Some days later I am asked to unlock my credit again as they made a mistake and it is required for them to make a second inquiry. I tell them they already had one from both XXXX and XXXX and it should be enough. The financial manager calls me and insists. He elaborates and states it will not be an inquiry made, I asked him to put that on an email. After receiving the correspondence I trusted him and went ahead and unlocked my accounts for a second time, sure enough a second inquiry appears on my credit report. Obviously they lied to me to fix their mistake of submitting a loan as personal where it was supposed to be for a company. My credit report should not have been checked twice and I should not have another inquiry on my credit reports.
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| 08/11/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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BMW Financial first blocked payment by electronic means on my car loan XXXX XXXX that my son has been using XXXX earlier in 2015. I then sent 3 checks, 2 postdated, by mail to the designated XXXX XXXX XXXX XXXX. After a long duration of no information we received a thank you and acceptance of the payments. However all were attempted by BMW Financial to be cashed at the same time, well before the dates on the 2 postdated checks. They failed to clear. That ultimately led to repossession on XXXX XXXX, 2015 at my son 's place of residence in XXXX -- we are in XXXX. I sent an email to their message center on that date asking what would be needed to re-acquire the vehicle and allow my son to recover his personal items. I heard back on XXXX/XXXX/15 with information that did not answer the XXXX question. I called and was told that a decision would be made and heard the same by email on XXXX/XXXX/15. I emailed again on XXXX/XXXX/15 and again was told a decision would be made. Finally I called on XXXX/XXXX/15 and was told the amount to pay to recover. When I asked how long I had to pay the individual went offline for a bit and when she came back on said -- too late -- their practice was 10 days after recovery vehicle goes to auction so time expired on XXXX. My rights were thus denied by false and misleading information as well as deceptive practices of BMW accepting post dated checks and then attempting to cash them prior to the dates on the checks.
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| 02/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Due to repeated and sustained miscommunication between BMW and their third party titling office, I have been unable to drive my car since XX/XX/XXXX. I moved from XXXX XXXX XXXX and sought BMW 's assistance in acquiring the Security Interest Filing form from XXXX Department of Motor Vehicles to the XXXX Department of Motor VehiclesXXXX I obtained temporary license plates from DC, pending the Securing Interest Filing form. These temporary plates expired on XX/XX/XXXX, and DC will not issue another set of temporary plates to me unless BMW accepts fault for the delay thus the car can not be driven. Actions taken on my part : Called BMW Financial Services : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX for a total of XXXX minutes. This represents 5 hours 31 minutes of lost wages. BMW Financial Services would put me on hold to communicate with the third party titling office, each time giving me a different answer ( 12/13 title had been received, 13 title had not been received, 1/6 title had been received but the form sent via email was " cut off '', XXXX title received and form received but could not send title to po boXXXX XXXX XXXX would not send title because I had received all of the documents I needed already in my move pack, XXXX would request electronic title again from XXXX DMVXXXX XXXX " there has been an error, we can not explain it, there is no estimated resolution '' ).
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| 03/25/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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On XX/XX/2019 my XXXX year old sister was diagnosed with XXXX in her XXXX. She had a XXXX on her XXXX and was going to need XXXX XXXX. My sister had just recently XXXX from college as a XXXX XXXX so her medical insurance that her college was providing was no longer valid therefore we had to pay my sisters XXXX out of pocket. It was very hard for the month of XX/XX/XXXX because doctors could not guarantee she was going to make it out of XXXX and my sister got very XXXX and had very little urge to live which broke me and made me basically forget about everything at that time i was going through very difficult time trying to stay strong for my sister. I regret very much not making that payment but with all that was going on i did not even know what day of the month it was. Also my aunt which is the primary one on the account we had some family issues and im the one that pays for the vechile but her cell phone number is the one on the account so if XXXX XXXX tried to get in contact with me to make that payment they were calling her amd she never reached out to me due to family issues. That phone call from XXXX would have reminded me i recently changed the phone number on the account to mine. Im very responsible when it comes to my CREDIT and bills so please help me i was going through hard times its my only missed payment and its affected me a lot. I'm willing to pay off the account if i have to enable to remove the late payment.
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| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I currently lease two XXXX cars and during my almost 3-year term all goes smooth. On month # 30, end of XXXX I get hospitalized and I miss a payment. After 5 days I realized I had to pay and I went ahead to bring my account current, with penalties. Mid XXXX my credit score dropped 65 points! I called BMW finance and explain the situation, I am told they can't discuss or resolve over the phone but to email/fax documentation as medical would be an exception to look into and adjust my credit back. I sent pages of medical documentation ( E.R, family doctor etc. ) Three weeks after I received a letter from BMW finance saying " documentation is NOT sufficient '' and credit will not be adjusted back. They did not provide any reasons nor they included what needs to be provided to be " excused ''. How can human beings not be sick and not ruining their financial life. This is absurd. I will pursue this to any extent of the law it allows citizens to do so. Never mind, I have leased 7 cars and been a good customers, never late payment etc. you get seriously sick and now can't get a business loan, refinance etc. What's the reason documents from hospital and doctors were not accepted, why this credit can't be adjusted back, why they refuse to speak over the phone and they have the unilaterl right to report consumers and ruin people life to the credit bureaus? Absolutely illegal! and I have leased two cars so the reports hit me twice!!!
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| 07/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Confusing or misleading advertising
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Web |
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I purchased a car, Mini XXXX, in Virginia in XX/XX/2023, from a trusted Mini dealership. I made it clear to the dealership/sales associate that I will be shipping the car to California in XX/XX/2023. The sales associate lied that if I buy a brand-new XXXX Mini XXXX then they will be able to register the car in California without the smog-test. This is either a fraud or misrepresentation. The dealership could not register the car until XX/XX/2023 ( when the car got shipped to CA ).
In the entire 6-months of dealing with the dealership at VA, I have sent ( mailed and emailed ) all the paperwork to register the car in California. Nonetheless, the owner of the dealership decided to yell at me ( use Caps-On ) for no reason at all ( after of course, the deal was done ).
Last but not the least, the dealership asked me to pay the so-called CAs registration fees in XXXX ( which should have been either disclosed durning the time of sale or covered by the dealership if not disclosed durning the time of sale, in my knowledge ).
This deal costed us : {$3800.00} in insurance, {$44.00}, XXXX in principal amount, {$5600.00} in shipping & maintenance and {$2800.00} in monthly payments. Nonetheless, instead of mitigating the matter with us, the " BMW BANK OF NORTH AMERICA '' delinquent'ed the account ( when I wrote a complain letter ) and took the car without any notice ( to either me, co-owner or my father, owner ).
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| 03/04/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I saw something on the news about Congresswoman XXXX XXXX about how she is trying to help change the way that the credit bureaus report inaccurate information. She stated " In this broken system, credit reports are routinely filled with errors that are difficult for consumers to correct. Negative information stays on for periods much longer than its predictive value. Medical debt continues to harm the credit standings of otherwise creditworthy consumers. These problems are pervasive in the credit reporting system. They directly impact how much we pay for a car loan, whether or not we can get a mortgage, and, in some cases, whether or not we can get a job. '' I couldn't agree more.
This then prompted me to look at my own credit report after not doing so for many years. I noticed that I was reported 30 days late in XXXX & XXXX of XXXX. How is that possible? I have never made a late payment on this account to my knowledge and after I got my free credit report for the year from XXXX, I noticed that according to BMW, I was. This must be some kind of error because since XX/XX/XXXX when I started this lease, I have always maintained a on-time payments and always pay more than the minimum payment. But yet, I was reported 30 days late twice? This is going to ruin my perfect credit history when in fact, I was never late. I really need help with clearing this up because I am sure there is some kind of discrepancy.
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| 07/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I 've made numerous attempts to request assistance from XXXXBMW Financial Services NA LLC. to work with me in getting my auto loan reduced. The first attempt to seek assistance in reducing the note created an inflated car payment. Thereafter, I made several calls and was left on hold for lengthy periods of time. I sent emails however no one would responded. The final solution was to surrender the vehicle. I mailed letters to XXXX and BMW and submitted a complaint to Consumer Financial Protection Bureau Complaint # XXXX. A XXXX XXXX with XXXX XXXX XXXX submitted a letter of response to my complaint online only nothing was ever mailed to me. I made several attempts to get in touch with XXXX XXXX but was not able to speak directly with her nor anyone in her department. Therefore, the response sent was never honored. Instead XXXX/BMW sent CARS, a repo company to harass residents at the address listed on file. I spoke directly with a gentlemen name XXXX who agreed to cease and desist in an effort to follow up on XXXX XXXX regarding the letter. There has not been a successful resolution to the auto loan instead BMW representatives have sought legal counsel to file a lawsuit. Case # XXXX in Superior Court of California , County of XXXX. XXXXBMW. This company makes it is difficult to contact a representative in authority to work out a solution that will allow consumers to honor their agreement with XXXXBMW.
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| 08/06/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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BMW I took over a lease and BMW did not disclose the TAX that would be assessed. The original Lessor paid the entire tax at the start of the lease.
I took the lease over so as to save money on deposits and tax charges.
BMW advise that once I assume the vehicle I would just continue to make the monthly payments.
I received a bill for {$700.00}. BMW has yet to provide any paperwork reflecting the TAX charges. When I spoke to the BMW supervisor I advised him that I have assumed many cares in the past and have never paid the tax, When asked why BMW didnt disclose this information when signing the lease assumption? His reply was '' we didn't know how much tax would be charged ''.
With the original lease the entire breakdown of the charges including the tax was listed. One my lease assumption for it had the only mention of charges for Registration, Tax, Insurance etc. When reading the paperwork it suggests the tax on REGISTRATION.
I demanded the {$700.00} be rescinded since it was not disclosed. The BMW rep advised that if I did not pay it I would be placed in collections. I paid the {$700.00} and demanded a Supervisors call back. To date no return calls were received. When call back to check the status of the call back, The reply was no one will call since there is nothing to discuss.
Please look into the matter. If need be I have full recordings of the conversation and all paperwork.
Regards
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| 11/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Credit denial
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Web |
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On XXXX XXXX I went into XXXX XXXX BMW to lease a new car. I test drove a car and filed out an application and then was told my the sale advisor that the finance dept is closed that they will call me on Monday XX/XX/XXXX to run my credit and get the process going. Monday XXXX called me and informed me that BMW didnt approve me and if I had a co signer. At the time I didnt so I called me back to request to pick up my check that I left for a deposit of {$1000.00}. On Wednesday XX/XX/XXXX I got noticed from my bank that the dealership cashed my check. I told with XXXX asking him why would they cash it if I was denied a loan/lease. He told me that once funds go too billing they deposit everything and that he will contact them to get me a check and they would mail it to me. I called few times and on Saturday XX/XX/XXXX I spoke with XXXX who and he informed that he signed off for me to get a check. I never heard or received the check and today is XX/XX/XXXX. I email the DM this morning and expressed my issue and that I would be there today to pick up. I got there at XXXX and XXXX informed me that he have to check with the finance dept and he will give me a call tomorrow at XXXX. I dont understand why would they cash my check if I wasnt approve to get a car. I feel like Im getting the run arounds about my money and how would they not give me my check/money back and its been 2.5 weeks and nothing yet.
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| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance. also Unfair, Deceptive and Abusive Acts, These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION.
I do not owe any debt or any alleged debt.
I also refuse to be an implied surety/debtor.
These are few of many violations done on my good name ; which breaks the law.
I hereby Demand! That you BMW cease and desist all communication and attempts to collect this alleged debt Pursuant to 15 U.S. Code 1692c ( c ) ; These listed Violations are based on breach of fiduciary duties UDAAPs TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts.
As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
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| 07/24/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Older American |
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1 I tried to return my car in XXXX but was told that the dealership wasn't accepting returns 2 When I could return the car, I was told that I needed an oil change or I would be charged {$700.00} The oil change was {$350.00} which is extremely high XX/XX/XXXX was when I returned the car.
BMW should have paid for the oil change as part of the warranty but it had expired because I couldn't return the car.
3 I was told that the tire rim damage was {$1100.00}, also a high number on XX/XX/XXXX.
4 I sent a note to BMW Financial services on XXXX and they said they would give me a credit of {$450.00}.
I noted that I was returning the car with XXXX fewer miles than the lease ( a value of XXXX to BMW ) They said I could get a credit only if I bought another BMW I noted that I had signed a contract on a specific car but BMW then couldn't deliver the car.
5 BMW then sent me a bill on XX/XX/XXXX without the {$450.00} credit 6 I sent them a note and they sent back a new bill 7 BMW sent me a billon XXXX with the XXXX credit but the charges didn't add up.
8 I sent them a note saying the bill was incorrect on XX/XX/XXXX 9 They then sent me a revised bill on XX/XX/XXXX increasing the tire damage by XXXX.
10 I sent them a note that I was paying the corrected bill and would file a complaint with the CFPB.
11 I still think I am being overcharged because BMW should have paid for the oil change.
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| 07/22/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
Older American |
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I returned a XXXX leased BMW I-28 to the local dealership. They accepted the car back without any comment or inspection. Subsequently, we received an invoice from BMW financial for excess wear on a car that only had XXXX miles, XXXX miles BELOW the allotted mileage. When I called to determine what the charge was for, I was informed that the charge was due to the oil not being changed by the required XXXX miles. I argued the fact that the oil had in fact been changed at XXXX miles and was told that I would need to furnish a receipt to prove this and the charge would be removed. I provided the documentations ( twice ) and today was informed that charges would NOT be removed, because they NOW claimed a yellow service light was on. At the time the car was delivered back to BMW, the mileage was checked and no yellow light was evident. I would never have returned the car with a service light on. I feel strongly that is a total scam to obtain more money from lessees who are powerless to fight it. I therefore request that the CFPB investigate and have the charges removed. I was informed each time I called, that the calls were being recorded. If the initial call I made is checked you will clearly hear that I was told if I furnished the receipt for the oil change the charge would be removed. Also, I had to supply the proof twice as they claimed the first time that they did not receive it.
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| 04/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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I bought a XXXX XXXX XXXX from BMW of XXXX last year on XXXX. When I first got the car I started noticing a strong mildew smell and some mildew in some of the seat belts. I brought my car in and they cleaned and charged the air filter and then that same week I had to brought it in again because electrical damage associated with the turbo. They replaced the turbo and it was covered under my extended warranty, but I still could smell the mildew in my car and I even got sick because of it. Then, 8 months after buying this vehicle, at the beginning of XX/XX/XXXX, I left it park outside my home and water got into my car through the moonroof which was closed, this caused damages to my vehicle to the point that it is not drivable anymore and the cost of fixing it is higher than the cars value. I have been trying to get a solution from BMW but they always say that they are not responsible for that, when other BMW dealer already told me this vehicle has a defect in the moonroof and thats why water is leaking through it. I frankly dont know what else to do, but Im 100 % sure that they sold me a car with water damaged. I have tried to come to an agreement with the dealership since XXXX but they havent given me any solution and expect me to continue paying for this vehicle, and I still owe $ XXXX. This has been so stressful for me that it has affected my health and personal life.
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| 01/04/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
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Web |
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XX/XX/2015 when my car lease was ending The BMW of XXXX, NJ called me to return my car and get a special deal on the lease of the new car. After vehicle was inspected by BMW dealership I had reach mutual agreement with the agent-XXXX to the amount of my financial responsibility for extra mileage and wear and tear cost.Subsequently, once I was satisfied with the financial terms of the returned car I negotiated with agent the terms of the new car lease. During our negotiation XXXX frequently consulted with his superiors the terms of the new lease. Finally, We have reached mutually accepted agreement in regard to the terms of the new lease. In fact, I was assured by CFO XXXX XXXX XXXX of BMW of XXXX that all financial terms agreed by both parties were final. Thereafter, I paid him down payment which included all my financial obligations negotiated with the dealership. Surprisingly, 4 weeks into the lease of my new vehicle I received a letter from BMW Financial Services NA, LLC demanding payment of {$750.00} for wear and tear of previously returned car. I believe there is some disconnect and possibly some misrepresentation between the BMW dealership and BMW financial entity. It is possible that there is dishonesty in their business dealings by agreeing negotiated terms and then billing the client for any shortfalls even though this had been agreed with the dealership.
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| 10/11/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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|
Web |
Servicemember |
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I have worked with BMW financial for BMWs for 6 years, never made a late payment. Upon the expiry of my XXXX lease, I returned my vehicle into the XXXX dealership as I moved from the bay area. I returned the car. The person at the XXXX dealership said the car looks great and I signed an XXXX and that was it.
Three weeks later XX/XX/XXXX I received a bill for $ XXXX+ stating there was {$XXXX} for excess wear on the after market rims I had placed on the car. I have the four original rims in my garage. Had I been given the opportunity to know what would be charged to me, I would have easily returned these. I received a third party assessment in the mail after I had already received a bill from BMW, stating that I would have the chance to rectify any charges assessed on the condition of the vehicle. I never was.
I called BMW on the XXXX and they said it was a dealer issue. I called the dealer and they said it was a BMW issue.
I had BMW offer a {$XXXX} discount off the {$XXXX} amount they requested, but I disputed the entire charge. On XX/XX/XXXX I sent a letter stating the above and got no response and just continued demands for the bill outstanding.
I am shocked that they would treat a customer this way, with my history of perfect payments with BMW.
I got no response. No explanation. No offer to take the original as-new rims. Nothing just a $ XXXX invoice.
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| 01/20/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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|
Web |
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We leased a new BMW with XXXX BMW in XX/XX/XXXX. We have leased many cars from BMW in the past. Every car we have leased comes with the free scheduled maintenance for the duration of the lease, in this particular case, three years. We were never told otherwise at the dealership. Recently on XX/XX/XXXX, I brought my car into BMW XXXX, XXXX XXXX for an oil change which is covered by the lease maintenance but was charged XXXX for the oil change. I asked the service advisor to clarify and he stated it was a recent change in BMW dealerships. I asked him why would this affect me if this was not disclosed at time of lease but there was nothing he could do about the charge. I unhappily paid the charge and contacted BMW North America. I emailed and got a response stating this was always BMW 's policy as to which I responded then why would the service advisor tell me this was a recent change. BMW then contacted me by phone and left a voicemail to call them back. I have called back twice and left messages for XXXX, the escalations rep at BMW that contacted but have not heard back. I should not have to pay for something that was not disclosed at time of lease. I interpret this as less than an honest way to do business. They do not return my calls in hopes I do not go through the trouble to follow up. But here I am taking time out of my schedule to file a complaint.
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| 07/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I leased a XXXX XXXX for my daughter and within a few months the tires were worn down at an excessive and alarming rate. I determined the vehicle had been in an accident and I was not notified when I leased the vehicle, they said they were not obligated to inform me. After I brought it to the attention of the dealership they indicated they would " work with me '' when I turned in the vehicle as I had already purchased new, very expensive, run flat tires and paid to repair the cause of the issue. Upon return of the vehicle about one year later, the dealership agreed to no charge the tires that needed to be replaced. I eventually received a notice that I owed {$800.00} for tires. When I called the dealership they acknowledged the error and agree to rectify the issue which of course they did not. A short time later when I applied for and was denied credit, the only negative mark I had was an {$800.00} judgement from BMW financial and two late payments. First, I never had a single late payment and the {$800.00} was a fraudulent charge. When I again called the dealership immediately following this incident I was shocked to realize the dealership was CLOSED leaving me zero ability to effectively fix the lies BMW had reported. What had once been a XXXX XXXX dealership was now a BMW dealership and they effectively laughed at me and told me " good luck ''.
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| 12/03/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Problem with signing the paperwork
|
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Web |
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There was damage reported on the XXXX of the used vehicle I had decided to lease. I was told that the damage was only cosmetic and that the full bumper was replaced to fix that. However, when I left the lot, there was damage on each of the 4 rims of the car. It seems like there was much more damage and now I am afraid of what else may be wrong with the car. I want to return/unwind this lease but have no problem getting a different car instead. I offered a custom order option to get the car exactly how I want it but the dealership and XXXX, in particular, was very rude and not willing to help. He was angry that he had to wait an extra hour on a Saturday for the lease deal to be done. However, I drove almost three hours to this dealership since I thought they had better reviews for customer service but that clearly was not the case.
The dealership offered to fix the damages but they would be putting an extra 300 miles on the car that will count against my mileage limit since it is a lease.
All I am asking for is for them to please take the leased car back and I want to go ahead with the paperwork for a custom ordered car. I wish I was presented with that option prior instead of the dealership pushing to buy a car that they had in inventory or could get within the week from another dealership. Please reach out if you need more information.
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| 12/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
Older American |
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I received two thirty day lates on all XXXX of my credit reports back in XXXX XXXX, and XXXX XXXX, from BMW Financial Services. I have been trying for almost a year to get these lates off my credit reports, because the payments were made on time, and I have documentation to prove they were paid on time. I have sent this information to BMW and to the XXXX credit bureaus as well. BMW has insisted these payments were late, but they have never shown me any proof, they received them late, even with the supporting documentation. My bank has informed me, that it was likely BMW received the payments on time, because the payments were made via electronic transfer. Because BMW has not shown any proof of the EXACT date they received the payments I believe the information they are providing the credit bureaus is Questionable or Possibly Inaccurate and should be removed from my credit reports. BMW has received many Goodwill letters from me, but has been totally uncooperative in all respects. I have even had automatic payments drafted from my bank since these incidences have occurred, but they have refused every attempt I have made to correct the situation, even though the payments were not made late to begin with. I have nver been late with any payment in my life, and I believe BMW 's late are giving a totally false representation of my credit history.
|
| 06/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I am reaching out to BMW Financial about an account that I have been dealing with that has yet to be resolved. This account is listed as a chargeoff account that BMW Financial Services has wrongfully accused me of. According to the XXXX XXXX XXXX a chargeoff is an accounting term where one item is eliminated from the assets lists when it is lost or deemed worthless. In laymen 's terms, a chargeoff means the writing off of a debt. I am also aware that for something to be charged off a 1099c form has to be completed if the transaction is over {$600.00}. This means that you are furnishing this as an income, but you have listed this account as a chargeoff instead. I am demanding that you show proof of where you have removed this asset from your book as well as the 1099c proving that this debt has been charged off. It is alarming that even though this account is listed as a chargeoff is also listed as a collection. I'm curious to know if this account is removed from your asset book, how is it reporting still as delinquent? Providing the requested information that I mentioned will protect me as well as you from tax fraud. If you can not provide me proof of where you have removed this asset from your book as well as the 1099c form proving that this debt has been charged off, I am demanding that you update this account to PAID AS AGREED.
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| 03/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
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I have new and updated information. Credit : is the right granted by a creditor. A creditor is one who regularly extends credit, and is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness. Therefore pursuant to federal law, BMW FINANCIAL SERVICES can not extend credit nor be a creditor. BMW FINACIAL SERVICES stated I was denied the extension of my own credit due to delinquent past or present credit obligations. Pursuant to the FCRA and XXXX, a consumer should not be denied credit. A consumer can only be denied employment and insurance, neither of which I applied for. I extended my credit to XXXX BMW, they denied me the right to extend credit. According to the XXXX, a consumer shall not be discriminated agaisnt in any aspect of the credit application. I was discriminated against in the inital part of the application because I, in good faith execercised my right to extend credit ( 15 USC 1691 ). Not only is this discrimination, due to the fact that another consumer with a " better credit worthiness '' would get approved the extension of their own credit. This is UNAUTORIZED USE of my credit card ( 15 usc 1602 ( l ) ), I completed a credit application, my credit was checked, and everyone benefitted from this transaction except the cardholder.
|
| 04/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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I processed a payment online for my BMW and they gave me an ERROR when i submitted the payment initially and when i went back to see what occurred the payment said failed to process and did not gave me a confirmation. I did the same process again and this time it worked and gave me a confirmation but i noticed a few hours later that my banking app showed 2 deductions of {$1200.00} so I called BMW and they said NO we only charged once. I thought it would clear itself up next day but it didn't so i called my bank and reported it because they saw that it was 2 deductions indeed!
I called BMW again and this time a guy told me yes, there was indeed a double charge and i had to email them PROOF, which i did RIGHT AWAY. 9 begged them to hurry because they literally tool tqo payments at once! At a horrible time like this this has devastated me and I have been unable to make my other bill payments because of them! Im so FURIOUS as I have written 3 emails to that same department and NO ONE at BMW is getting back to me and no one at XXXX XXXX XXXX XXXX or BMW has RETURNED MY MONEY!!!! I am literally living on the few hundreds bucks i have left, shame on you both! No one has reached out or responded and I was told that it would be hurried because I expressed that this was NOT my fault and two deductions were NEVER authorized!!
|
| 01/21/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
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My son and I purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Fl on XX/XX/XXXX. As part of the new purchase, they agreed to pay the last XXXX payments and the end of lease charges for the car we were trading in. I called BMW Financial services in XX/XX/XXXX because I had forgotten to stop my automatic bill pay for the old car and had sent them a payment of {$560.00} on XX/XX/XXXX. To our surprise, BMW said not only were they not going to give me the payment back but that I owed another {$630.00} for " end of lease '' charges. Needless to say, I was irate. After being told its was XXXX 's fault, then XXXX saying it was BMWs fault, we talked to numerous people at XXXX XXXX to resolve ( XXXX, XXXX and XXXX ). They have stonewalled us for three months now ( they realize they didn't send enough to BMW ) kept saying they are reviewing, not returning calls, etc. My son even went to the physical address to no avail. All the while, BMW is sending us threatening letters to sue us or refer to agencies. Finally, with no end in sight for the stonewalling, we got a final letter from BMW threatening lawsuit and had to pay the {$630.00} on XX/XX/XXXX. THEN, we get a letter that BMW referred us to Collection Agency on XX/XX/XXXX. THIS IS CRAZY..they are ruining my credit! Please help!!! They owe us {$1100.00}!
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| 06/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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To whom it may concern, I purchased my car at the end of my lease and BMW through XXXX offered me an extended warranty. This warranty was {$1200.00} and It was represented to me as if would covered wear and tear mechanical items for the car for an additional one year and a half from the contract date. Now the car after six months was totally fine and now has a faulty vent valve and it turns out that the warranty was only through a year of the Maintenance service date, which meant only six months of coverage from the contract date. This fact was misrepresented to me. Based on insurance I have purchased, the risk of something going wrong with the car worth more than {$1200.00} was very low in XXXX months even a year, but I purchased it for peace of mind for within the year and a half I was told. This was a very bad misrepresentation of an agreement and I would have never bought it if I knew It was going to only be good for XXXX months not XXXX months as I was led to believe. I have asked the company to produce the recording of the call, but I find this outrageous and extremely unethical. One point to note, the contract I signed ( see attached ) never established the contract end date and it only has the very technical language about the months after the maintenance service date.
Best regards, XXXX XXXX
|
| 12/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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My complaint is against BMW FIANANCIAL SERVICES NA LLC Account # XXXX. Back on XX/XX/2019 I sent the mentioned company a letter to investigate a 30-day late payment that occurred back on XX/XX/2019. I my make payments through XXXX XXXX, XXXX. XXXX XXXX, XXXX states that the payment initiate in XX/XX/XXXX and received by BMW. I sent BMW my dispute letter, the letter from XXXX XXXX XXXX with details of transaction, I sent BMW every proof they asked me to send them and they still havent removed the negative mark, knowing that it was their negligence. This is my last resource to try and reason BMW that this was not my fault. If my negative mark is not removed from all 3 reports, I will take this to a federal court for negligence, unfair business practice, breach of contract, never received any type of indication I was going to be late and when I seat down with my lawyers the violations will just multiply. This has me emotionally stressed, mentally absorbed this company is financially torturing me in every aspect. Im attaching all documentation I sent them and you can also contact XXXX XXXX, XXXX so if BMW has to contact them for whatever reason they will be able to respond to any questions. I request a deletion letter once this error is taken care, so I can provide to my mortgage company. Thank you!
|
| 04/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
During the pandemic was a very financially difficult time for me professionally. I am employed as a XXXX, and during the pandemic, the city and the hospital essentially were on lockdown. I was no longer able to see patients in office because of .During the pandemic was a very financially difficult time for me professionally. I am employed as a XXXX, and during the pandemic, the city, and the hospital essentially were on lockdown. I was no longer able to see patients in office because of the pandemic. I was no longer able to perform procedures due to COVID-19 unless they were emergent. This significantly reduce my income. I was unable to make payments and even call Bmw financial to discuss my situation. Under the Cares companies were supposed to make concessions because of the difficult times during the pandemic. When the hospital allowed us to resume normal work, I am mediately paid the remaining balance of my auto loan off which was almost {$7000.00}. I have disputed the claim of me being late many times, but Bmw refuses to remove the late payments. I have hired an attorney and given power of attorney for assistance. BMW Financial refuses to cooperate. Are no longer owe them anything. Its unfortunate that during the time of a global pandemic that they wouldnt take advantage of individuals.
|
| 01/02/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
My account with BMWF is currently past due, payment is due for XXXX, XXXX and XXXX. The vehicle, a 2017 BMW M240i, is currently in storage at the dealership as it can not be registered until property tax is paid, which is around XXXX currently. This tax bill is due for a prior vehicle which was totaled on XX/XX/XXXX, a 2015 BMW M235i. BMWF is aware this vehicle is totaled and I have requested a settlement amount for payment due on that account but have not heard back. The last rep I spoke with named XXXX was advised of the situation in regard to XXXX vehicle and told me repossession would take place if account goes 60 days past due. Please note, prior reps were also advised of situation regarding vehicle in storage/registration/property tax due but may not have noted it. I am currently awaiting a settlement from attorney in regard to XXXX vehicle loss and injuries sustained from accident. I expect check this week, XX/XX/XXXX to the XXXX, but will need some leeway for the time being. Please request BMWF to allow me more time before any repossession occurs. I believe this is fair, considering I have not been in possession of vehicle, it is and has been at dealership since XX/XX/XXXX. I expect to have tax bill paid and towed this week as well, once settlement check is received and cashed..
|
| 06/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Receiving multiple calls from BMW Financial regarding a payment that has not reached 30 days and have never been 30 days. On XX/XX/2016 they called my personal number at least 5 times. They called about 2 times did not leave a message. Then they call again and leave a message. Then they call back again and I pick up and they disconnect the call. I get upset and call them back regarding the multiple calls and they disconnect my call. Then I called BMW Financial back. Finally spoke with an agent in collections and told him that I plan on paying the bill on XX/XX/2016 and to stop calling my personal number so many times a day. He said that he would update the account regarding the payment and would stop the calls. About 10 minutes later they call me again to talk about the payment I owe.
I am at work and when these calls are being made. I am extremely disappointed with BMW Financial and their collections department should be more trained on how many calls they can make a day. After they left a message for me they should have waited until the next day to call again.
They have previously called multiple times per day prior to this incident but XX/XX/2016 was extremely excessive especially when they left a voicemail and then made contact with them. I can access phone records if needed.
|
| 06/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
BMW Financial has shared my personal and private information with several third parties, including credit bureaus, without my written consent. BMW Financial has shared false and inaccurate information to third parties tarnishing my name and buying power. This has caused undue hardship as this company is writing and reporting to the credit bureaus inaccurate information including inaccurate payments, inaccurate balance, inaccurate interest. BMW Financial has charged me illegally for an illegal repossession and BMW Financial 's legal fees. In the contract it does not state that I am responsible to pay BMW Financial 's legal fees at any time therefore I have been charged for items not included in the contract.
BMW Financial has repeatedly put the incorrect payment amount on my monthly statement asking for extra payment, at times as much as {$1300.00} extra without explanation.
BMW Financial has illegally repossessed my vehicle without any report to police at time of repossession. BMW Financial committed grand theft auto under code 18USC 641 with an illegal repossession. All together, BMW Financial has committed illegal practice on both sharing my personal/private information to third parties, stealing my vehicle, and reporting inaccurate information to third parties without consent.
|
| 09/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
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On the day of XXXX XXXX I signed a contract with BMW to purchase a XXXX XXXX XXXX. At the price of XXXX with a balloon payment. I was not provided with the type of notice of my rights to rescission under the Truth in Lending Act ( TILA ), 15 U.S.C 1601et Seq this is required by federal. Upon reviewing my contract, oblations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 12 CFR 1026.3 named Truth in Lending. Per the Congressional finding of TILA as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able during the consummation of the contract BMW did not disclose my right to rescind. Thus being the case, pursuant 15 USC 1635 I have the rights to rescind my initial consent to pursue the pervious terms. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to you. 15 U.S code 1635 ( b ) ( F ) I ask that you return my Down payment of XXXX within 20 days of this notice by law.
While making payments of XXXX with a very high interest rate.
|
| 07/07/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American |
|
Re : BMW Financial Services XXXX XXXX XXXX # XXXX On XXXX XX/XX/XXXX, I prepaid excess miles on lease expiring in XXXX in the amount of {$5500.00}. On XXXX XX/XX/XXXX, I entered a new lease on a new XXXX, but XXXX problems arose. First, the local dealership did not credit my closing lease account the final months payment or {$1300.00} including taxes. Also, I was overcharged {$400.00} on damages I did not acknowledge although I did sign off on {$2100.00} in repairs when I returned the car. When I contacted BMW Financial they said to contact the local dealership. The dealership said to contact BMW Financial. Round & round this went for some time until I called the Presidents corporate office & I started to get help with a resolution. However, I overpaid by {$270.00} & BMW Financial is refusing to reimburse me although the manager XXXX on XX/XX/XXXX agreed to do so after a 30 minute argument on the phone as he kept playing a shell game. I demanded a full credit of {$270.00} & he only would accept a {$73.00} credit. Despite this no refund whatsoever! Today, I tried again online & got the run around again. Out of frustration I am filing this complaint. Im a great long term BMW customer. If they are treating me like this I have to imagine their unethical practices are widespread.
|
| 01/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
BMW Financial is reporting two accounts as derogatory on my credit report. One account is showing I owe {$3300.00} and have never received any invoice for the charges. BMW agreed to remove the derogatory reporting if I paid the balance in full due to not receiving the invoice. I paid this balance on XX/XX/XXXX and it still remains on my credit. BMW is also reporting that there were late payments, which is impossible because I had this account on direct debit. There is a second account with a balance of {$9700.00}, which was also paid and BMW agreed to remove all derogatory reporting. BMW also informed me that this account should not be negatively reporting on my credit as it would not be considered past due until XXXX of XXXX. This account also shows late payments, which both are paid in full and BMW agreed to remove all derogatory reporting to my credit. BMW is charging me {$370.00} for a disposition fee and has agreed to waive it if I lease another BMW. I am unable to lease another vehicle due to the derogatory reporting significantly lowering my credit score. I am currently renting a vehicle due to this situation.BMW Financial also harassed me via telephone while I was out of town due to my mother being terminally ill and ended up passing away in XXXX and XXXX of XXXX.
|
| 06/06/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I was behind on my loan and BMW contacted me and said that I needed to make a payment through XXXX XXXX or my car was at risk of repossession. Their employee XXXX XXXX specifically said that once I made the payment through XXXX XXXX that they would not take any further collection activity. I made the payment as requested through XXXX payments using XXXX XXXX on XXXX XXXX and XXXX XXXX and provided my account number to XXXX XXXX using Urgent Delivery in a service that is advertised as the receiving party getting the money in minutes. On XXXX XXXX BMW repossessed my car in complete contradiction of what their collections agent told me. I have requested a detailed account history from them through certified mail and through their secure e-mail service and through their call center and they will not provide the information I am requesting. The forms they sent me during the repossession did not include the information that was required by law and the amounts listed did n't match information on statements. The frequently changed the terms giving me 20 days or 14 days to pay the balance in full or make arrangements. Their agents frequently hang up on you when you try to ask questions and they claim they are not allowed to call you back because they only accept inbound calls.
|
| 12/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American |
|
My brother passed away on XXXX XXXX. I am the Executor of his estate which is insolvent. He had a BMW with a loan on it from BMW Finance. He owed less than the car is worth based on XXXX so that was positive. However, my estate lawyer told me I should not pay creditor bills like the BMW loan out of creditor order. His estate only had enough money to pay for his funeral, the estate lawyer and some of his taxes. So I didn't make loan payments to BMW Finance out of the estate.
On XX/XX/XXXX of XXXX a tow truck showed up at his widow 's home and repossessed the car. I called BMW Finance to see what could be done and they told me not to worry that they will use a local dealer to sell the car at market value and send the estate the proceeds that are badly needed. I was relieved. Now it has been five months and the car has not been sold. BMW Finance said it is sitting at the XXXX XXXX and they have no date set to auction off the car. Meanwhile, I can't pay the bill or resolve his estate and meanwhile the value of the car is declining with age. BMW Finance has been completely unresponsive in terms of their plans and the need to sell this car. Nobody cares. My brother 's widow could use this money to pay their back taxes so I am letting her down as Executor of the estate.
|
| 12/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I received an email from BMWF Collections dept yesterday, XX/XX/XXXX, requesting I call them directly. This email was received after I sent a direct message on BMWF site with intentions to pay, received and replied to by a XXXX, I believe is the name.. I called BMWF line at XXXX, spoke with a XXXX I believe is her name, provided intentions to pay XXXX past amount of XXXX. A bill payment is scheduled for today, XX/XX/XXXX. in the amount of {$140.00}, another payment in the amount of {$500.00} will be made this coming week, another payment in the amount of {$200.00} by XX/XX/XXXX. I believe these payments should cover XXXX. On a side note, a payment confirmation email was received today showing a payment in the amount of {$900.00} made on XX/XX/XXXX, I believe, in which case this appears to be an error on end of BMWF, sending an email from a payment made in XXXX For whatever reason, the payment could not be taken out of the account, ending in XXXX. I was told account is frozen when it is not, other payees are able to withdraw, do not show frozen. BMWF should correct this error, sending a payment confirmation email from XXXX which was not withdrawn, account is frozen, according to their records.. Also, please note my payment intention to cover past due month of XXXX.
|
| 08/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
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I leased a XXXX XXXX for 36 months. I had no issues with the car until it came time to return the car. On XX/XX/2018 I returned the car to BMW. I knew I would have to pay for the key I lost and probably the disposition fee.I was waiting and waiting for the final bill, it never came. Sometime in XXXX I went online, and to my surprise there was an addition charge of {$600.00} for a windshield crack ( because BMW says the windshield has to be replaced not repaired ). I contacted the sales person who leased the car to me, he told me he would look into it for me, that was XX/XX/2018. I DIDN'T HEAR anything from BMW or the sales person after that. Sometime in the first week of XX/XX/2018, I received a call from XXXX XXXX XXXX XXXX, they stated I had an outstanding balance of over {$1000.00}. I was confused and annoyed because I never received any phone call or letter from the sales person or a BMW representative about the bill being final or reduced. Now I have XXXX XXXX calling me and telling me they will not except a small payment. I can only pay half of the bill at a time or the whole bill. I do not feel like I am being treated as a valued customer because the bill was sent to collection before 90 days, I wasn't contacted, and they won't even take a small payment.
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| 04/19/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Confusing or misleading advertising
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Web |
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On XX/XX/22 purchased ( leased ) new BMW XXXX from XXXX XXXX BMW. I showed them the advertisement on https : XXXX no where on the website does it say leases are excluded from receiving the federal tax incentive of {$5800.00} nor did they tell me at the dealership that I would need to buy the car on a purchase not on a lease. In my attempt to resolve this, BMW even admits they keep the federal rebate but they still say " Tax credits are complicated and subject to change without notice. While BMW of North America, LLC does its best to keep this information up-to-date, it can not guarantee the current accuracy of your eligibility. We recommend consulting a tax professional to validate credit availability and eligibility. '' Which is their disclaimer. To me this is false advertising as if BMW knows they keep the rebate from the government how are they doing their best to keep their information updated? Attached is screen shot of the website showing the facts above and my original complaint from XXXX. Ive also attached copy that I have been trying to get this resolved via dealership as well since BMW corp keeps pointing me back in their direction, which I don't understand why as my main issue is with BMW directly as their website is falsely advertising this.
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| 10/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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On XX/XX/2020, I purchased 2 vehicles from SALE BMW in XXXX, NC. Both vehicles were advertised as new on their website and confirmed as new by the salesperson XXXX XXXX. The bill of sale and all paperwork with the sale that was turned into the state of NC states my vehicle is new. However the financing portion that was turned into BMW financial was checked " Certified Pre-Owned ''. I did not realize this until I took my vehicle into get the navigation uploaded that the Service Manager XXXX told me that my vehicles were Certified Pre-owned and that I could transfer the BMW care package from the previous owner for XXXX which I did pay for one of the vehicles. If my cars were " New '' they should have come with BMW Care for 3 years/36,000 miles. I spoke to my salesman XXXX XXXX about the situation and he said, " Oh yeah, if a vehicle is on the lot at year end, we take all the promotional money off the car by turning them in as Certified Pre-Owned so we can pay the taxes on the vehicle. '' At this point because the vehicles were advertised as new and they clearly weren't I have been screwed out of XXXX in financing with a dealership I do not trust. I will have to take my vehicles to another dealership over XXXX miles away to get them serviced in the future.
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| 07/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Hello, So I have looked into a car a while back ( XX/XX/2018 ). I was looking at a XXXX XXXX XXXX and The sales person ( which with seducing sales tactics tricked me ) ran my credit in 12 different places!! Just so I can buy the car the " best possible '' terms. I ended up not getting the car and I am now buying a car cash, finalizing its paperwork after 1 year ( saved up for it so I wouldn't use my credit ). The dealer was a XXXX in XXXX and the sales person name was XXXX XXXX - XXXX ( PLEASE DON'T POST NAME AND LOCATION ) The dealer manager even called me and asked forgives and how they could make this right. I didn't know the effects of it at the time. I understand that I was not told or in written explanation that my credit would run 16 times for inquiries to get best rates possible. Very unethical. Not looking from anything from the finance company, but only needing to get this out of my reports.
I am now finding out about credit and learning about all my possibilities and the importance of it for the past few months. I was a great student in college and I have been doing well in business, even helping out my family. Now, I am not shopping for credit but do see the importance of improving it, so I am here requesting this to be out of my account.
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| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is in reference to the consumer report sent by your company via electronic form through XXXX, XXXX and XXXX. While checking the above report, it came to my notice that your company has furnished an account on my report.
According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ).
Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately.
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency.
Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
If you do not cease communication a lawsuit will be commenced against you.
Thank you for your cooperation
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| 07/16/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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BMW of XXXX despite numerous phone calls, emails and such, has neglected there responsibilities in contractual execution of the lease for the BMW XXXX, by NOT providing either Temporary Plates or the NC DMV plates as per the lease contract signed and payment 's collected.
despite 7 email 's and calls to all dealership team management ( None responded ), there has been no resolution of this fraud and thievery actioned by BMW of XXXX.
I have paid the correct fee for this service which has NOT been provided, they have my money and have NOT provided said service/item per the signed lease contract Currently i have a vehicle that can not legally be driven in NC state, paying the monthly lease for a vehicle that is sitting in my garage. all this is due to BMW XXXX lack of attempt to resolve / correct there own lack of actions and obvious breakdown of process on there end. this lack of customer service and probably an " Business as usual tactic to steal money from customers should be investigated and probably legal actions need to be brought against BMW of XXXX by the state/federal authorities '' Receiving/taking money for an good or service and willfully NOT providing said service/good is a federal offense and is punishable by LAW!!!
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| 04/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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BMW Financial Services switched my lease to e-statements without my consent or knowledge of this action. Furthermore, the email address used by BMW Financial Services was an inactive old email and the e-statement was undeliverable. I relied on the paper statement to make my scheduled payments. After months of unknowingly non-payment, BMW Financial Services repossessed my vehicle. Upon learning of this action, I immediately made the delinquent payments and recovered my vehicle.
BMW Financial Services admitted they switched my account to e-statements. I did receive a call from an individual stating he was from BMW a couple months prior to this event. This individual asked me to provide my social security number over the phone which I declined to provide thinking this was a fraudulent call. I have been a victim of IRS fraud in the past. Therefore, I did not provide my personal information over the phone and thus the individual would not relay to me the purpose of the call. No further written attempts were made by BMW to contact me at my home.
BMW Financial Services were in error when they switched my account to e-statement without my knowledge or consent, resulting in adverse harm to my credit, which I am demanding is corrected.
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| 10/15/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/2018 my vehicle got into a total lost accident. At the time I had XXXX XXXX and they took care the remaining balance with bmw financial. Prior to this issue, I had issues with bmw not reporting to the credit bureau my monthly payments and I contacted them numerous of times. I spoke to a guy by the name of XXXX XXXX numerous times and sent in an affidavit and he promise the issue will get resolved and they will report everything accurately. Yesterday I checked my credit report and it show voluntary lease terminated and balance owe. At this time Im trying to get a new vehicle and I cant because this is affecting my credit. I called bmw and spoke to 3 people this morning and they told me they will try to get this resolved but I dont feel confident they will because my prior experiences with them not resolving it. They account is paid off and I also paid my deductible of {$1000.00} there it should be update with the dull amount paid off of {$32000.00}. It should not report like that and show that it was paid and no balance is owe. I want this fix immediately. I have no vehicle to get back and forth to worth. I have a XXXX years old son that needs to go to school. This is a big inconvenience and my credit has dropped.
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| 02/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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My leased XXXX BMW was totaled on XX/XX/XXXX in XXXX county, New York.
I've been an excellent customer of BMW for over 5 years, all lease payments and insurance payments were current.
I have New York Total Loss provision in my lease contract where it states " I'm not liable for an additional early termination charge '' etc.
My insurance company gave them a check cash value, taxes fees etc. and an outside valuation report.
BMW has sent me to collections, claiming I owe {$4000.00} and am responsible for terminating my lease early and penalized as such for fees and taxes.
The car was classified as " new '' on my lease agreement although it had XXXX miles on it when purchased.
BMW is charging me {$1200.00} for overmileage at time of crash, and refuses to recognize the previous mileage upon inception.
My insurance claims adjuster has tried to contact BMW over 15 times and put on hold for over 15 minutes and will not spend any more time on this matter.
BMW will not send me any documentation supporting their claim that the car cash value is @ $ XXXX.
No outside agency values the car at that price.
I've sent a certified letter to them in reference to this matter, as well as XXXX internal messages on their secured server.
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| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Incorrect information is being reported on my credit report under BMW Financial Services. I have paid my account on time every XXXX XXXX and somehow BMW has made a mistake and reported my account as late. I currently see a late payment reporting on XX/XX/2022 and the account comments is saying the account is currently past due XXXX XXXX I have never been late on paying this account, in fact I have paid this account for said XXXX in advance. For those months my statements have all said paid ahead of time XXXX XXXX XXXX. This has to be an error on BMW. I have tried calling customer service and they too have told me that my account is current and being paid on time. They said there is nothing they can due to remove the lates on their end but that I would need to dispute it. This is what i have tried doing and after getting no response I have come here to submit a complaint. This is very unfair as I am in the middle of very important projects and this has dropped my score over XXXX XXXX for no reason at all. Please this needs to be fixed I have all statements and proof that payments were made on time for this account, please fix this. I have had an outstanding relationship with BMW in the past and hope this is fixed asap.
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| 12/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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BMW Financial credit reported as late payment the ballon payoff for my vehicle loan.
BMW states that the ballon payoff was due on XXXX. BMW deducted the a regular monthly payment on XX/XX/2020. This was right in the middle of the Covid crisis.
I called BMW to notify that my son and daughter had covid. I was under the quarantine and ask if I can pay thru a Wire transfer and BMW refused to accept the payment method stating that it was company policy. I told BMW Customer service that Puerto Rico Governor 's Executive orders were one of the most severe Covid lockdowns of USA. I explained to BMW that under the lockdown and my quarantine, I could just go to the bank due they required an appointment and the only date available provided by the Bank was XXXX XXXX. BMW reply was that it was company policy and they could not make exceptions. I had to wait until XX/XX/2020 to make the Managers Check and they received the payoff payment of XXXX XXXX ( 34 days later ). I called BMW financial to ask for my history payment and to see that I never missed a payment in 5 years! This is discriminatory against someone who lives in Puerto Rico and following local Governor 's Executive orders and the XXXX for XXXX XXXX and XXXX Guidelines.
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| 02/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I financed 2 cars through BMW financial services on XX/XX/XXXX and XX/XX/XXXX. They were both taken from me ( repo ) on XX/XX/XXXX with a one day notice. They were taken because of where they were located and not for missed payments. They said that the contracts states that the cars must be garaged at the address on the contract or I am in breach of contract. A BMW financial employee that represents the company was personally looking at my social media accounts such a XXXX and XXXX. He actually wrote a letter stating that was not true and also that the cars were picked up because he thought they were being used as rental cars. I have disputed all of this because it is not true. They took both cars and did not allow me to make payments on my accounts ( locked out ). One car is showing {$0.00} balanced owed repo and the other is showing {$80000.00} balanced owed repo. As you can see I only had the cars for 2 months before they aggressively took them. I do believe the individual I mention in this email is the same person that ordered my cars to be repo. The credit reporting on these 2 cars are effecting my credit in a very negative way. I bought over 10 cars from BMW over the past 5 years and never had any issues before.
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| 02/01/2022 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Today at XXXX a tow truck guy pulled up on my property hooked the back of my vehicle up and attempted to tow my vehicle. I told him that it was illegal and that I will not allow his company to seize my property. This is a violation under 15 USC 1692e it states a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Last year on XX/XX/2021 I mailed BMW FINANCIAL SERVICES a Cease & Desist letter, Invoice, Affidavit, and Letter Of Validation. Pursuant to 15 USC 1692g BMW FINANCIAL SERVICES did not follow the XXXX directions with in this federal law. Which is a failure and holds them civically liable under 15 USC 1692k to pay me in {$1000.00} in damages. Also another {$1000.00} for breaking the 15 USC 1692e law in attempt to collect an alleged debt by ceasing my property. BMW FINANCIAL SERVICES has been in violation of multiple FDCPA laws and I reached out to them to solve the damages by seeking remedy. BMW FINANCIAL SERVICES individual actions shows there persistence of noncompliance as a debt collector, and the nature of such noncompliance, and the extent to which such noncompliance is showing that there individual actions are intentional.
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| 09/13/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
Servicemember |
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I was in a car accident on XXXX driving a brand new 2022 BMW that I had leased 3 weeks prior. The value is a {$48000.00} vehicle. The other driver rear ended me ( admitted it was his fault ) and I was just notified my car was totaled and can't be repaired. My insurance carrier is XXXX XXXX so they are now in litigation with the driver 's insurance company ( XXXX ) to get my claim paid. Until that is resolved, my insurance company has " paid '' the claim. This is where the issue is. My insurance company ( XXXX ) is paying the full value of the vehicle to BMW XXXX ( leasing company ) instead of paying them the remainder of my lease and paying me the difference. They are telling me that they had planned on paying out my lease and then paying me the difference but BMW Financial will not allow them to do it. I put {$10000.00} down on my vehicle that I had for only 3 weeks. Therefore, my insurance company is refusing to pay me what is owed back to me and paid the full amount to BMW Financial.
I contacted an attorney and he said it is my insurance company 's responsibility to " make me whole again '' like I was before the accident which means they should be required to pay me the {$10000.00}. They are refusing to do so.
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| 06/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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Dates are XX/XX/2022 and XX/XX/2022 BMW reported lates on my credit report however the information is incorrect. I have contacted BMW Financial services on multiple times in XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, and to no avail I received no assistance in removing both errors of 30 day lates that do not belong to me that is a blatant error and i have asked their Customer Service to remove however am still waiting. BMW stated that the late is not supposed to be reporting 15 U.S. Code? 1692d-Harassment and abuseAdebtcollector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of adebt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.15 U.S. Code? 1692e-False or misleading representationsAdebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of anydebt. This debt is reporting falsely.15 U.S. Code? 1692f-Unfair practices
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| 04/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Credit denial
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Web |
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Hi Team, I was in the process of taking over a car lease from a seller, and as part of the process, I had to submit to a credit application check to BMW Financial Services earlier today.
An hour ago, I received an email asking me to call the number ( XXXX ) and was informed that my application was denied, and no reasons were given. The only suggestion was to reapply again with a cosigner or ask for a refund of the credit application fee ( I had paid {$530.00} today ). Despite repeated requests, no explanations were given. Kindly note, my credit score is good ( XXXX ).
I called back the company few minutes later ( XXXX ) and spoke to a different representative, who told me that the reason for my credit decline was that I am not a XXXX XXXX XXXX XXXX holder. I have been legally residing in the XXXX since XXXX and am currently on a XXXX XXXX XXXX ( valid until XXXX ).
I explained the above, however the company refused to hear me out and stated that as I am not a XXXX XXXX XXXX XXXX holder, I can not be approved of the credit check.
This is the first time I have been declined a service owing to my visa status. Request you to kindly look into this practice of discriminating against legal immigrants.
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| 04/03/2023 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Greetings. A representative by the name of XXXX continues to call me from BMW Financial Services which is XXXX XXXXXXXX. He continually harasses me! I've asked him to stop. He called again today and I said to him " Please stop calling me! I don't owe you people anything! I've asked you to stop calling and it is illegal for you to keep calling me. I will be contacting the Consumer Finance Bureau to file a complaint ''. He stated " I'm going to keep until the dead is collected and I don't care anything about the Consumer Finance Bureau ''. I advised him that I will be filing a formal complaint and he said " I'm still going to continue to call ''. His name is XXXX and he has called me 23 times so far to date in each call is getting more and more aggressive and in a threatening tone.
This amount they're stating I owe is from an end of lease vehicle, in which all balances were paid, and I purchased another lease on the SAME DAY I turned in this lease, as there was NO BALANCE OWED or due. I have documentation stating XXXX BALANCE. They have stated that they sent me the wrong letter which is the PDF form stating there is a XXXX BALANCE on the account. Additionally, this account was charged off XXXX of 2021.
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| 09/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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Purchase car and used their own Loan Company BMW Financial and loan started from XX/XX/XXXX on my wife 's name, XXXX XXXX XXXX, but I was secondary ( XXXX XXXX ) From 1st Month onward, I had setup auto payment on my bank account.
I have completely paid off my Auto Loan as of Today.
For 2 months, XX/XX/XXXXand XX/XX/XXXX, due to BMW 's technical glitch in bill payment system ( which they agreed on phone ), they kept charging on my old account.
Initially they charged 2, {$25.00} late fees of {$50.00} total. But after a series of phone calls and emails, they agreed their mistake and " Adjusted the late fees '' and credit me back {$50.00}. They NEVER informed me, that their automated system had already sent this to credit bureau, without, properly checking detailed about my payment and the issue.
I had contacted them several times and talk to them, but they wo n't remove the entry from bureau, even it was their mistake. They have been extremely arrogant, adamant and unfair with someone like me, who has always paid on time, set auto payments.
I am kindly requesting, and hopeful you guys can help me out here, as I am planning to buy a house, and this is negatively impacting my score.
Thanks in Advance.
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| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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BMW vehicle returned that had a {$0.00} balance and was never late for BMW Financial Services. Lender marked account as a chargeoff when the account was being paid and they were able to collect a debt giving the impression that debt could not be paid when we agreed that I needed more time. They rather prevented payments from being made and marked vehicle as a chargeoff. A dealership offered to purchase vehicle and lender refused to accept process but rather cause me financial harm by making the situation worse. Agreement was that vehicle lease would be extended or purchased once home purchase complete. Lender blocked payment through their site as to make account seem late, manipulating an information system to their benefit thereby affecting loan process for home. BMWFS has done similar action in the past where I was told {$0.00} balance after signing lease for new vehicle a balance for damage sent to me days later which is fraudulent business practices which went unchecked. Credit bureau agreed and fixed and when I sent more information for further correction switched to support BMWFS without considering my account of events basically being the credit bureau for businesses and not the consumer.
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| 09/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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on XX/XX/XXXX, I started a Identity theft claim and all fraudulent activities were removed. aout 6 months later a creditor put the debt back on my credit profile. I called the creditor on XX/XX/XXXX and immediately disputed it. I spoke to XXXX XXXX XXXX XXXX at XXXX XXXX and was advised to send Identity theft report to her and I did on XX/XX/XXXX. They Acknowledge receiving it on XX/XX/XXXX and It is now XX/XX/XXXX and I haven't received a resolution. I told Ms. XXXX that XXXXMW Financial Services were involved in Fraudulent Activities and they should look with-in BMW. I contacted XXXX Credit Bureau Fraud Department and was advised to send them the Identity theft paperwork and I did. No one in BMW will contact me, XXXX Credit Bureau will not remove this fraudulent item from my credit report that is derogatory {$83000.00} charge off. BMW is billing someone else name under my social security number and I have sent all the information that is reequired. My latest call was to XXXX Customer service Fraud department. Spoke to XXXX and said there is nothing she can do. just keep disputing it. That doesn't help. Its currently negatively affecting my credit. As I have mentioned to XXXX Several times.
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| 03/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Ive had an auto loan with BMW Financial Services since XX/XX/XXXX and was never 30 days late up until the time of XX/XX/XXXX when my vehicle was stolen. My vehicle was paid off completely by XXXX and GAP Insurance on XX/XX/XXXX and I began an agreement verbally with BMW customer service rep to pay {$100.00} per month directly to BMW until the remaining balance of {$2800.00} was paid off. During this verbal agreement I was never informed that if my balance was not paid off in full within 6 months my account will be placed in a collection recovery status, which will negatively impact my credit report as it recently has. Ive reached out to BMW and spoke with a female operator name XXXX who informed me that BMW doesnt have to tell their customers that important information, which is very unethical, unfair and should be illegal.
My car payment was {$850.00} per month which I paid consistently for over two years and if I was made aware when I was offered the payment arrangements that they would put my account in collection recovery status I would have paid this off before my good standing account was damaged. Because of what BMW did with this account this I was denied a business loan opportunity!
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| 08/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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Subject : Credit Fraud Protection -- On XX/XX/XXXX I bought my Car Finance Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I have Auto payment SetUp with XXXX XXXX XXXX.
Monthly installment directly deposited to XXXX XXXX XXXX on last week of every month.
Monthly Installment {$790.00} Total Paid Amount : {$19000.00} No billing Statement received by XXXX XXXX XXXX.
Without prior notice or any communication the XXXX XXXX stop taking the Installments from my Bank. I been trying to contact with the XXXX XXXX to understand the situation but unable to contact.
On XX/XX/XXXX early morning I found my car is missing. I reported the Police as my car was stolen. And with the help of Law enforcement agency I later found my car was towed away by the Finance Company and getting ready for re-sale. The repositioning authority did not co-operate the situation. No letter or further was provided by the authority as of today.
The huge emotional, social harassment and inconvenience is not acceptable to any customer. The is against the business ethics and violating consumer right. Please help and take necessary action. This will completely ruin my credit line.
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| 05/22/2020 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hello My name is XXXX XXXX and I am writing for assistance against a company 's that I have been disputing with for over 5 months and which have not been forthcoming with information requested. While they report data onto my consumer credit files in an inaccurate manner they do nothing to answer my concerns or comply with what I am asking them for. I have turned to the CFPB as my last resort to help mediate this problem and also to oversee that they actually meet compliance to the FCRA and specifically the FDCPA and not just have them stamp their disputes that way without doing anything.
The company is XXXX XXXX XXXX, who i have disputed and requested documents under the provisions of the Fair Debt Collection Practices Act. I simply do not have enough information about this account and need their assistance so that I can review all information and then dispute accuracy if need be from the information they hold. I need this and it is not being provided. i ask that if this company does not have such information that the removal of the illegal reported collection be stricken from my files. They have done enough damage and have done nothing to meet actual FCRA requirements. Please help me.
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| 06/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have had two separate leases with BMW financial and for the length of the period of 36 month paid on time with no late payment. However I was asked to cosign by a BMW employee for a person I referred in and that individual the true owner of account # XXXX allegedly paid their lease twice late, information is still unsubstantiated XXXX XXXX is the registered owner of that vehicle, he drives it and pays for it, I am not copied on any invoicing or don't have access to the account which is in his name. BMW has reported the account twice late and has extremely damaged my credit rating through no fault of my own, I have asked them to revove that false credit information about, but they have maliciously refused. I would like a full investigation to be asked into BMW credit reporting practices and method, to insure they truly comply with the Fair credit reporting act and reasonable, truthful credit reporting practices, they are the only beneficiary of these leases but they choose to damage my credit when it was their sales person that earned a commission and they were able to lease a car by misrepresenting that I was a co-signer only responsible if the car is stolen, damaged, or repossessed.
|
| 11/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
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Web |
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I applied for financing of a new XXXX on XX/XX/ @ around XXXX.
# XXXX The credit application was denied for financing of {$160000.00} An email was sent for confirmation.
I have spoken personally with the dealership nearby, I have sent notice, and I have made phone calls and emails in regards to this consumer transaction.
I will continue to attempt gentlemenly conversation so that we can try to work things out, yet a complaint seems necessary.
This naturally offers no consideration for the use of my credit. It also represents discrimination as well as fraud for the use of my collateral security, while receiving no benefit.
I have a right to my credit pursuant to 15 usc 1602 ( f ) and equally I have been denied benefits from the use of my credit pursuant to 15 usc 1602 ( p ).
As the agent on behalf of the Principal, I hereby accept all titles, all rights, all interest, guaranteed equity prevailing.
Pursuant to the Federal Reserve act section 16 second paragraph, I'm fully aware of the use of my application to be used as a collateral security for Federal Reserve notes. I simply want the terms and instructions applied for as well as proper administration of fiduciary duties.
|
| 01/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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I am writing this complain because Bmw financial services has reported and inaccurate 30 day late for XX/XX/2018 to my credit report which has made my score drop drastically. During this time I had reached out to Bmw financial services to explain my situation. I explained that the autopay should be cancelled because my checking account information was compromised. I was not able to make any payment online or over the phone. Representatives at Bmw financial services explain that I could only make a payment using XXXX XXXX. I did so. Shortly thereafter while checking my report, there was a 30 day late reported to credit Bureaus making my credit score drop drastically. After speaking with a representative the understood and told me to dispute it. This is my 3rd loan with Bmw financial services and I have never been late. And also before this I had 100 percent payment history with all of my accounts. Please remove this late payment so I could continue my payment history at 100 percent. It was a misunderstanding between Bmw understanding to not pull out of an account thats was have unauthorized transactions taking place. Please help me and remove this XXXX late payment. It is incorrect.
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| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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FRCA Violation credit card XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation loans XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRCA XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX
{$850.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$390.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX Original creditor : XXXXXXXX XXXX {$540.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$420.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX Original creditor : XXXX XXXX {$380.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX.
{$1000.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX Original creditor : XXXXXXXX XXXX XXXX$3100.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX BANK {$2400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/17/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I called BMW on several different occasions and notified them that they reported a payment late that wasn't late. BMW was only willing to send me a transaction statement that their own customer service agents cant even understand without putting me on hold several times. BMW reported early XXXX that my XX/XX/XXXX payment was 30 days late, however my payment was made on XX/XX/XXXX. BMW reported a 30 day late payment before the payment was even late enough for them to charge a late payment fee and the payment was reported late 30 days before 30 days had passed. I spoke with BMW 4 times and they agree that the payment should not have been marked late for XXXX but refuse to provide me with easy to read evidence stating just that. BMW also refuses to update the credit bureaus even though i provided them proof of the error. The error was reported to all 3 credit bureaus. BMW flat out refused to assist with correcting their error. I asked BMW for a letter to provide the credit Bureaus that specifically stated my XX/XX/2019 payment was not 30 days late and BMW representatives and a manager told me that's not something they can provide even though their system shows it wasn't late.
|
| 05/15/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Reference Account Number XXXX VIN XXXX Per my lease with BMW Financial Services , I am allowed to transfer the lease to another individual via the lease assumption process.
Upon attempting exercise this option in XX/XX/XXXX, I was informed by BMWFS that they would not allow me to move forward as BMW had temporarily stopped new vehicle sales for this model.
The lease does not allow BMW to prevent the assumption of a lease due to a voluntary stop-sell of new models. Despite informing BMWFS of this, I was told I would have to wait until sales resumed.
Once BMW began to sell the vehicles again, they permitted the assumption to proceed in XX/XX/XXXX. At this point, their breach has caused me to incur financial losses.
I am requesting BMW refund all payments made during the period during which they would not allow the assumption to proceed ( which I perceive as the breach period ), as well as refund the assumption fee to cover some of the additional holding costs incurred during that time ( insurance, vehicle registration, etc. ).
Request BMW refund : Assumption fee : {$540.00} Lease Payments during Breach Period : {$1200.00} ( XXXX XXXX ) Total Request : {$1700.00}
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| 01/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Servicemember |
|
I entered into a three year lease with BMW Financial through XXXX XXXX BMW in XXXX SC, XX/XX/2019. I leased a XXXX XXXXXXXX and my ending lease residual in the lease contract is {$30000.00}. Upon lease end, I choose to buy the vehicle and notified my salesperson, XXXX XXXX. XXXX XXXX stated that we needed to bring the vehicle in for the BMW a lease end inspection. I took the vehicle to the dealership on XX/XX/XXXX for the inspection ( I had extended the lease for one month through BMW Financial ). The next day XXXX XXXX called and stated that the inspection was complete and that he would send me a proposed finance agreement for financing the purchase of the vehicle. When I received the finance agreement from the dealer the selling price was {$33000.00}, which is {$3400.00} higher than the BMW contract residual amount of {$30000.00}. When I questioned the difference, XXXX XXXX made reference to hand written figure on the sales document of XXXX that read : refund coming from BMW for the miles. If that money is due me from BMW, it should have nothing to do with the residual price of the vehicle. I appears that XXXX XXXX BMW is engaged in deceptive business practice.
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
BMW Financial had closed my account after I purchased a car that was on lease. Suddenly, several months later, my account was reopened without my consent, and a bill for approximately XXXX was sent to me for county personal property taxes BMW Financial claims they paid. As it was my recollection that I had already paid the county 's tax bill, I disputed the bill and asked for proof BMW Financial had paid it. I received the invoice from the county but no proof of payment. While the matter was under dispute, BMW Financial reported the amount as delinquent, ruining an over XXXX credit score. They did not contact me, and as they do not have accessible interactive communication set up for XXXX customers who can not use voice phones or TTYs, there was no way to have an interactive conversation. I attempted to resolve the issue via their email portal, but received no assistance. I attempted to resolve the issue via social media, which was acknowledged by BMW Financial but still no resolution. Meantime, my credit is damaged, by this inaccurate information reported while a dispute was in process. BMW Financial still has not provided proof they paid the amount due.
|
| 12/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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|
I contacted BMW financial about my auto loan and spoke about a payment arrangement that would keep my loan from being 30 days late. I was sick and not working but wanted to protect my credit and let them know it would be late. I was informed by the credit dept that as long as my payment was paid on the XXXX it would not be 30days late. I faithfully paid for several months on the XXXX again advised and directed by different reps. I tried to refinance my home and realized someone had reported i was 3 times 30 days late. BMW financial had reported me 30 days late. I called and explained i spoke to several different reps about my account, and was given the same info. They said oh I see what happen some months have 29 days, XXXX, or 31 days so that would vary. No one relayed that to me and I asked the date to pay. They are not willing to correct what they know they told me. They mislead me and fraudulently misrepresented the status of my account. I 've tried to resolve the issue with them but they will not take any responsibility for the mis information that was forwarded to me several months and adversely affects my credit. Please help me resolve this issue.
|
| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Since agreeing and taking an auto lease with BMW there were problems in my monthly payments not being processed. Every payment made came back between 2 and 6 days later as " unable to process '' notifications, sent to me via email. I have since XX/XX/2019 had multiple calls with the BMW Financial Services Contact Center in order to resolve this processing failures. Each time I was assured it was corrected, which was really simply a manual processing of my payment over the phone. Attached is the letter sent to BMW along with the processed payment confirmations and subsequent processing failure notifications. These resulted in 1 for XXXX, 3 attempts in XXXX and 4 attempts in XXXX - when finally BMW decided to delete and re-load my profile, correcting the problem.
My monthly rate has been {$880.00} and has been paid diligently, however BMW took the failure on their side to action a late payment on my credit report, impacting my credit score severely. I am in the process of trying to secure a mortgage and only noticed this impact once starting the process. I have contacted BMW and there seems to be no sense of urgency to resolve this very urgent matter.
|
| 09/05/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
BMW Financial reported my account 30 days late to XXXX XXXX XXXX for the month of XX/XX/XXXX The payment was due XX/XX/XXXX. Our insurance company submitted the " payoff '' check to BMW Financial XX/XX/XXXX and it was cashed by them on XX/XX/XXXX, thus it was NOT 30 days late. I am submitting back up documentation showing the motorcycle was paid off prior to the 30 day late date. I even called them to make sure I was okay not making the XXXX payment and they said as long as they received the check by the XXXX day I would be fine not to make any additional payments.
BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle in XXXX 2017 and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.
|
| 11/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
BMW Financial Services claims I owe a payment on a closed account for a vehicle that was totaled on XXXX XXXX, 2016. The other party 's insurance company, XXXX, paid off the vehicle less an amount of around XXXX, do not have exact number available to me. A GAP claim was made with XXXX, the company handling the unpaid portion. However, claim was denied for various and inconsistent reasons, all bogus. I called BMWF today to discuss another account with them, call was transferred to another dept that did not pick up, this dept handles the account in question. I believe Ive spoken with them before and they were told I refuse to pay a dime on the account as the vehicle is totaled, GAP claim was denied for various and inconsistent reasons, all bogus. I understand the account is in my name, however, they have been told I refuse to pay numerous times before and were directed to XXXX and or XXXX for payment. In closing, please advise BMWF I again refuse to pay a dime on the account and to place a cease and desist, any and all payment inquiries should be directed to XXXX, claim number is XXXX, they can also call XXXX, do not have their claim number available.
|
| 01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
TO CFPB- THIS IS LAW- THIS COMPANY HAVE TO ABIDE BY LAW AND YOU MUST SEE THAT THEY DO OR YOU WILL BE IN VIOLATION : Under the laws UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.
If no such proof is provided within 15 days from receipt PER LAW, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
|
| 05/22/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Unfortunately, there are several things to complain about with BMW Financial Services. First, The check i sent on XXXX was cashed b y BMW on XXXX a ful l two wee ks after sending. This is a typical timeframe f or BMW to cas h a check. It was sent from NY to KY. This check, along with all others was sent with the remittance from statement, but never applied to my account. I called several times and even emailed a copy of the cancelled check to XXXX XXXX XXXX on XXXX . Still no answer. I called today XXXX , they tell me a manager should call me back w ithin two days!! Second, I send my check for my lease each month on or about the XXXX . Many times it is n't cashed until the XXXX of XXXX of following month and they want to charge a late fee. Due date is the XXXX . Third, they have been harassing me, by calling on my cell phone at le ast 12 tim es a day, a clear violation of FDCPA. Even after I instruct not to call my cell phone, they continue to call. Now, i am accruing late fees, harassing phone calls and no doubt blemishes to my perfect credit while they maintain my money!!! All due to BMW 's ineptness.
|
| 10/01/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
This is an official complaint on BMW Financial Services XXXX XXXX. Approximately around the month of XXXX 2014 I traded in a XXXX Lease at the XXXX XXXX BMW dealership. Upon communication between these two institutions XXXX dealerships ) it appears that the payoff amount gathered was incorrect and grossly miscalculated. The amount supplied by XXXX XXXX XXXX to BMW Financial was short approximately {$6500.00}. At the time of the transaction taking place none of this information was disclosed to me as these XXXX entities communicated with each other accordingly as their processes are internal within the financial departments. Therefore, due to their lack of accuracy and efficiency I have an outstanding delinquent amount due that is being reported on my credit. I have made numerous attempts with the credit reporting agencies, along with numerous communications with both dealerships XXXX XXXX XXXX & BMW Financial XXXX to no avail. This is seriously placing a blemish on my credit report and as a business owner this is also inhibiting future growth and expansion.
Your prompt attention to the severity of this complaint would be greatly appreciated.
|
| 11/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX financial - we leased a car from them and at the end of the lease ( XX/XX/2020 ) we were told we owed {$900.00} for lease end fees. Per the direction we mad XXXX equal payment total {$900.00} last payment was XX/XX/2020. XXXX does not invoice for thi amount nor do they tell you when its paid per their policy. XXXX year later my credit takes a XXXX point drop because XXXX say we owed them another {$1200.00}. Once again, they never sent us an invoice or tried to contact us. We I reached out XXXX about this they had already turned my account over to collections. I disputed the amount saying we were never told about this, but they said it was something that they missed initially and we had to pay it. I told them that wasnt a problem, but because they never told us, they should remove the collection status from my credit report and I would pay them the amount due. Of course I paid the money, but they didnt remove the collection status from my report and they did show I had paid them the money. I disputed the item on my credit report and they now show it paid and closed, but the collection status is still on there and effecting my XXXX XXXX.
|
| 10/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My payment with BMW Financial Services is due on XX/XX/XXXX, account number XXXX. The vehicle is not in my possession, it was not able to be registered due to past due property taxes and the dealership is well aware of this. They have the vehicle in storage until taxes are paid. However, the tax bill is quite high and can not cover car payment as well. The tax bill is around XXXX and do not have enough to cover both. I need payment deferred a month to XX/XX/XXXX in order to buy time to pay taxes. I believe this to be reasonable, considering I do not have the car in my possession and they can verify this with BMW dealer, BMW of XXXX. They are also looking for a payment on a previous account, XXXX, which was paid off by XXXX. However, a small amount was left over, around XXXX I believe. I do not have exact amount available to me at the moment. The GAP company, XXXX claims, paid out the claim with no benefits so amount was not paid out. Their reason ( s ) for non-payout vary and are inconsistent/bogus. Please advise BMW Financial Services I refuse to pay and if they are still seeking payment they need to contact either XXXX and or XXXX Claims.
|
| 10/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Since XXXX of 2020 I have been trying with BMW to get a payment made on XX/XX/2020 posted to my account. I have called them numerous times and I have not gotten any results. they are still researching it. It is now XX/XX/2020.
I spoke to XXXX today in collections at BMW finance and he said that he could not locate the payment. He said my request is still open. On XX/XX/2020 I spoke with BMW Finance and was told to send a copy of the proof of payment from my bank to XXXX. I also faxed the proof of payment to BMW Finance on XXXX XXXX and spoke to XXXX who told me to fax it and it would be resolved within 48 Hours. See attached. The proof of payment shows that the check was sent by my bank on XX/XX/2020, that expected delivery would be XX/XX/2020 and that the check was cashed on XX/XX/2020. I keep being told by BMW finance that this was to be resolved with 48 Hours. That never happened.
Also on XX/XX/2020 spoke to XXXX at BMW Customer escalations and he said that there is an SR open looking into the complaint. XXXX looked again and found my faxed proof of payment but still could not confirm that the payment had been applied to my account.
|
| 07/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I spoke with BMW Finacial about the first payment since I was trying to make an extra payment to go to the principal the payment is of XXXX, I did a payment for XXXX $ thinking that it will apply all to the principal. The next day I did realize that not all apply to the principal and I called BMW Finacial to see what happened the Customer services Rep.
State that since it was paid the full amount due it will not apply to the principal, so I did paid the remaining balance witch it was {$130.00} to make the full payment I told him that a payment of {$330.00} will apply on the due date and I asked him if it will go to the principal, he state that it will, the due date came today and only apply XXXX $ of the XXXX $ to the principal which it was not what the BMW Finacial rep state. I called them to see what happened and they will not help me even they gave me the wrong information and the manager XXXX said to fill a complain but he will not help me and there is nothing they can do even one of their employees is giving the wrong information. defiantly a bad experience no much help and rudeness and misleading information for part of them
|
| 06/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I leased a new BMW from BMW of XXXX. My lease was assigned to BMW Financial Services. My lease allows me to pay off my car early. I exercised this right. BMW Financial Services is now refusing the payoff of my lease because it has placed a litigation hold on my account. This violates the terms of my lease. I attempted to contact BMW Financial Services to discuss this problem. They would not speak to me and referred me to BMW of XXXX XXXX. I filed a previous complaint about this issue. BMW Financial Services responded to that complaint by saying they could not talk to me about the car. I have never contacted BMW Financial Services about my car or its mechanics or warranty. I had attempted to contact BMW Financial Services about the payoff on my lease, to which BMW of XXXX XXXX is not a party. So, maybe, instead of BMW Financial Services lying and misrepresenting this problem to cover up the unlawful violation of my rights under my lease, they could FIX this problem and let me pay of the lease. Then I will go away.
Until then, I will file this complaint every single day until they fix it or the government takes some action. Thanks
|
| 04/07/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
At the end of my lease for my XXXX BMW XXXX ( XX/XX/XXXX ), I was told that I owe approximately {$3400.00} for wear and tear, tires and excess milage by BMW of XXXX. As I turned in my XXXX BMW XXXX, simultaneously ( same day ) I leased a new BMW XXXX.
As part of the closing for my lease on the XXXX, I wrote a check in the amount of {$1000.00} t to offset against the {$3400.00} and gave to the dealership.
Late XXXX of XXXX, I received a call from BMW Financial requesting that I pay the {$3400.00}. I explained to the agent that I had provided a check in the amount of {$1000.00}. He said that he would reach out to the dealership and get back to me. Fast forward to end of XXXX, I started receiving call from a collection agency. They told me that I owed BMW but they would settle with me for {$2000.00}. I again explained that, I have written a check to BMW for {$1000.00} and need to know what happened to that check. The agent said that she would need to check with BMW and get back to me.
Fast forward to today, I received a credit monitoring alert from XXXX XXXX that I have a charge off from BMW in the amount of {$3400.00}.
|
| 01/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
So I had a lease car with BMW. Before lease end, I found another bmw car I wanted at a different dealership than the initial leased dealership. I decided to buy.this next car instead of leasing. The new dealer agreed to pay the remaining balance on my lease ( XXXX payments ) to get me in new car. The leased car was returned to the new deslership, which I was assured was okay, that everything would be coordinated with old/original dealership. Well the payments were made but there was a termination fee that I was unaware of and was never taken care until I found out several months later.
This had caused my credit score to decline by approximately XXXX points. That is severe to me for one and only late payment Ive had in 20+ years. While I take responsibility for actions, it was the mix up between the two dealerships that XXXX XXXX bearing on the payment not being taken care of. I did pay it immediately was bought to my attention. {$170.00} fee, not an actual payment, should not be held against and decrease my credit score XXXX points!
Im attaching a copy of the payment I made to bring my account with BMW current.
|
| 04/30/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
BMW Financial Services has a charge off on my XXXX, XXXX and XXXX Credit Reports in which this account # XXXX was included on Bankruptcy Chapter XXXX on XX/XX/XXXX and debt of around {$20000.00} or {$37000.00} dollars was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX.
BMW implemented this debt on my XX/XX/XXXX Federal Taxes.
This debt should have been reported to XXXX, XXXX and XXXX and Federal IRS because debt was included on Bankruptcy Chapter XXXX.
BMW Financial Services, XXXX, XXXX and XXXX are in violations of my XXXX XXXX Civil Rights Act under Department of Justice and Federal and State Laws.
I am XXXX, Retired and a XXXX Military Veteran.
Also, there is Derogatory Remarks that needs to be removed immediately as I mark Delete on credit reports.
Documents was provided it for evidence on issues.
My credit scores are suffering because of the Derogatory Remarks on my credit Reports..XXXX score XXXX-XXXX XXXX-XXXX XXXX my credit was pulled with my written Approval by XXXX XXXX XXXX XXXX on XX/XX/XXXX as I am going through a VA Loan process. VA Loan Consultant XXXX XXXX -XXXX email XXXX XXXX
|
| 09/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts was not opened by me, and that I did not profit from this account having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
I have reached out directly to the Lender explaining I was incarcerated at the time when this loan was being processed. I have also submitted documentation to the Lender directly upon their request to submit proof of documentation for my time incarceration.
This account BMW FINANCIAL SERVICES : Account number XXXX which is reporting on my XXXX credit report only ; XXXX and XXXX credit services do not have this account reporting on my credit profile.
I have reached out to the Lender directly numerous times and requested the original contract and I have not received a response.
Lender contact information : XXXX XXXX XXXX XXXX, OH XXXX and telephone number ( XXXX ) XXXX
|
| 04/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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I have a XXXX XXXX car that was purchased in XX/XX/XXXX and I paid off the loan in XX/XX/XXXX. The BMW financial service handled the loan and I have a lien on my title. In Maryland, in order to remove the lien on my car 's title, BMW has to mail me a lien removal letter with the original loan amount and date and the loan release date. I contacted with them multiple times to request the correct letter. They mailed me two letters without the original loan amount and date on the title, and I brought them to XXXX and none of them are qualified. I show them XXXX 's requirement of lien removal letter, but they refused to provide me the CORRECT document and keep saying the WRONG documents they sent me is correct.
First, they are CHEATING the customers about the incorrect lien release letter.
Second, they intended to not give me the CORRECT documents and asked me to try many XXXX to see if I have some luck.
Third, they are unwilling to make any effort to serve the customer. The effort meant by me is simply including the correct information on legal documents.
Second, their refusal prevents me from selling my car.
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| 01/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I had been paying my due payment plus an extra XXXX to XXXX dollars to reduce and cover late fees on my account. I then come to find out that none of the payments were being applied as the system said they would be. The system for XXXX XXXX indicates that if a payment is made past the due date a fee is assessed.. in order to pay the due fee Id make my payment with additional funds to cover the fee. I come to find out that not only were the late fees not being applied correctly but that there is interest accruing on the fees! I called and got this information from a representative. The rep indicated that it could take time to get this resolved and that someone from BMW would call me. Noones called me. The fees are still there. The thing that BMW did do however, was apply the extra funds I paid to the next payment due. This was not reflected on the monthly billing statement however, as the monthly payment continued to reflect the full amount. I believe that BMW even marked me as 30 day late one or two time because of this confusion, as I paid the true amount due, as opposed to what was on the statement.
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| 12/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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As stated before in several complaints against BMW Financial Services and again here, payments on my loan do not reflect a total of XXXX down as negotiated with selling dealer, BMW of XXXX XXXX. The sales manager, XXXX, was attempting to extort XXXX out of me as a total of XXXX was supposed to be put down. However, only XXXX was put down and XXXX wanted me to give him XXXX in cash for his pocket. His exact words were, " You 're putting down XXXX but it will only show XXXX ''. Complaints against dealer have been made with XXXX ( XXXX ), Attorney General of Connecticut, Consumer Affairs in Connecticut, all unresolved. An extension would have remedied the matter, however, BMW Financial Services will not make an exception and denied all requests. Ive attempted to reach a XXXX XXXX, left several voice messages, in regard to this. He does not return calls. It appears BMW Financial Services will not budge in any direction in regard to this matter. Please consider this matter unresolved and advise them this will not go away, they will need to do something about this or they WILL continue to receive complaints.
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| 06/08/2017 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX I purchased a XXXX XXXX XXXX from BMW of XXXX ( IL ). I owned the vehicle for three ( 4 ) months. During the months of ownership the vehicle was returned to the dealership for repairs on four separate occasions for mechanical issues.
As a result of the consistent mechanical issues with the vehicle, I returned the vehicle as a " voluntary repossession ''.
I have requested, through BMW of North America and BMW Financial Services that the outstanding balance owed be forgiven since the vehicle had significant mechanical issues, and is a vehicle under factory recall for some of the issues I experienced with it.
Each entity has " passed me off '' to the other, indicating that the other entity is responsible.
I am only requesting that the claimed balance be removed from my credit repair. BMW of XXXX acknowledged possession of the vehicle. The debt has been " Charged off ''. However, it remains on my credit report as owed.
I disagree that I owe this balance, and have been mistreated each time I make contact with BMW of North America and BMW Financial Services.
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| 08/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I recently attempted to purchase my leased vehicle at lease end for my contracted residual value. The leasing company, BMW Financial Services was unable to conduct the lease end transaction, and instead referred me to my local dealership XXXXXXXX XXXX in XXXXXXXX, CO ( who I originally purchased the car from ). Upon approaching the dealer, I was informed that the residual value in my lease agreement could not be honored and they would need to charge me an additional {$600.00} in dealer-imposed handling fees.
These fees are not disclosed in my lease agreement. My lease agreement specifies that my vehicle may be purchased at my residual value plus any government imposed fees such as taxes.
The additional undisclosed fees being added to my lease-end buyout are in violation of the Consumer Leasing Act.
On Monday XX/XX/XXXX, I was informed by two BMW Financial Services phone reps ( XXXX and XXXXXXXX XXXX ) that XXXX is under no obligation to honor my lease contract.
I have included a copy of my lease agreement, as well as the dealer quote sheet showing the additional fees they intend to charge.
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| 12/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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According to BMWF rep spoken with today, XXXX, I am unable to make ACH payments using my checking account due to an error with last ACH payment attempted, I do not have amount available to me at this time. The payment was scheduled via BMWUSA.COM, the correct routing and account number entered, the rep claims the bank did not recognize the account info even when it was entered correctly. I suspect BMWF placed the block prior as it was on the account before, a rep whom arranged a promise to pay removed the block so I could make ACH payment. I believe the system then replaced the block, unknown to me, which caused the payment to reject. Again, correct routing and account number was entered at time of payment. Due to payment reject, the account is now over thirty days past due, may have been reported to credit bureaus as such.. I request BMWF adjust this 30 day mark due to block they placed prior and is still on account currently. Also, I request block removed as the payment does not count as a returned payment, I have been making payments which have been clearing from same checking account with XXXX
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| 04/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/2018 I traded my XXXX XXXX XXXX for a XXXX XXXX XXXX.
I had to drive from XXXX New York to XXXX New Jersey to get jerked.
I gave them my XXXX and {$13000.00} plus came back a second time just to personally deliver the title for my XXXX and still havent received anything that I was promised.
I was told I was going to receive a check for my first months payment an extra key for my vehicle two new back tire so I can pass inspection and my tile for the vehicle I am financing so I can register it.
I spoke to two sales person in person XXXX ( manager ) and XXXX. And when I call I get the runaround from the secretary XXXX and the business manager XXXX. I call every day to their DMV department and speak to XXXX which is the manager and XXXX. I shouldnt have been so stupid in the beginning but I am waiting For about a month for title that isnt being sent over basically Im paying for someone elses car. Temporary plate is expired so I cant even drive the car By the way Im XXXX so I had to switch my hair control and pay for them out of my pocket {$800.00} and I have a document for everything
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| 04/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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HI I TRADED IN A VECHILE 2 YEARS AGO TO XXXX XXXX IN XXXX NEW JERSEY. COMPANY NEVER PAID THE LOAN OFF ON THE VECHILE. IVE BEEN PAYING IT FOR A YEAR AND HALF AND UNABLE TO PAY ANYMORE. THE DEALERSHIP SOLD THE CAR TO ANOTHER PERSON AND REMOVED THE LEIN OFF THE TITLE AND MYSELF AS TITLE OWNER. I FILED A POLICE REPORT WITH THE POLICE DEPARTMENT IN NEW JERSEY. THE VECHILE WAS NEW YORK STATE TITLED WHEN I WAS LIVING IN NEW YORK. THE BANK HAD NOTIFICATION FROM THE DEALERSHIP THAT THE VECHILE WAS TRADED IN, I EVEN HAD PAPERWORK OF THE TRADE IN WHEN IT TOOK PLACE. THE DEALER I BROUGHT THE CAR FROM WAS LOCATED XXXX XXXX XXXX, SALE PERSON XXXX XXXX WHO IS UNDER INVESTIGATION FOR A XXXX DOLLARS IN LOAN FRAUD. ITS NOBODY TO CONTACT BECAUSE I WASNT THE FIRST VICTIM. I HAVE NOTHING DELINQUENT ON MY CREDIT REPORT AND LOOKING FOR A RESOLUTION. THE BANK BMW FINANCIAL SENT ME A POWER OF ATTORNEY TO GET THE TITLE BACK IN MY NAME. I ALSO ASK THEM TO HELP ME PUT OUT A REPOSSESSION ON THE CAR TO GET THE CAR BACK. THEY SAID THERE IS NOTHING THEY CAN DO. I NEED HELP BECAUSE I HAVE KIDS AND CANT GET MY CREDIT RUINED.
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| 09/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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BMW is reporting incorrectly to XXXX ; XXXX and XXXX a prior delinquency in XX/XX/2017 on the BMW FIN partial account number XXXX. ( Please see page attached from my credit report. ) I make this monthly payment via XXXX XXXX XXXX payment system. I set-up when the payment should be sent and per the customer service agreement, XXXX guarantees payment to be remitted and credited to the account specified in a timely manner. When I was made aware that this payment never reached BMW on or before the due date, I immediately contacted XXXX XXXX XXXX. The representative I spoke with assured me that the payment was sent out and that BMW should have received in on time. Unfortunately, the payment was not sent out timely, which was through no fault of my own, and I was zapped with a late payment. I have an excellent payment history with BMW and respectfully request that BMW contact the ( 3 ) bureaus and have this prior delinquency removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
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| 01/09/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I turned in early a leased BMW vehicle. The BMW Lessor was BMW financial services NA , LLC. I turned in the vehicle 67 days before lease maturity.
BMW Financial services are denying me due process per California Vehicle Leasing Act. They are billing me for the remaining balance right away and they collected {$2500.00} from me.
According to California Vehicle Leasing Act Civil Code ( & & 2985.7 - 2993 ), the California Supplement to the Federal Consumer Leasing Act ( 15 U.S.C & & 1667-1667t ) BMW Financial services should have allowed the following before starting to collect debt from me : The due process allows waiving of the remaining lease payments and any fees if the vehicle appraised value or in case of no appraisal, the wholesale value of it exceeded the Gross Early Termination Allowed.
Instead BMW Financial services refused to allow for appraisal of the vehicle and they replied to me that selling the vehicle is their business and they will not disclose any sale price.
This is a violation of California vehicle leasing act which is a supplement to the federal leasing act.
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| 03/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
|
Hello BMW Services : This is a formal notification of Title received from BMW. After a 14 day waiting period for clearance of all outstanding debt on BMW we received a clear title. However, we are receiving daily calls from BMW Collections and when we call back we are routed to a long standing ( no answer ). I have called numerous times and spoken to Customer Service who also routes call to Collections. I have given the information to them that Title was received as well. The vehicle was placed in repossession and we are also receiving harassing calls about a BMW location.
We have contacted our attorney who has a copy of recent BMW Title and we have also noted to DMV State of XXXX the status of harassment by BMW Financial USA. We are requesting that the account be made current per Credit reporting and per law. There is no outstanding payment due on account as per receipt of BMW Title and 14 day required waiting period.
Please note this given account. If we receive any further calls from BMW or Repo company a formal complaint will be filed with the State Attorney General Office.
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
Hello, This is in reference to an Auto Lease in year XX/XX/2017 with BMW Financial Services.
The lease/loan was paid off in full and later updated on my credit history report that we missed a payment in XX/XX/2017. There were no missed payments during the life of the loan/lease. The late payment history showed up after the agreement expired and was paid in full. We tried contacting them 2 times by phone in XXXX, requesting the account holder furnish the data in order for us to verify and work to get the correct information to reflect on my credit report. BMW Financial Services never sent me any data showing the missed payment. When I called the following month, the person we spoke was unable to find/locate any data showing there was in fact a missed payment. I believe this information to be inaccurate and is negatively affecting my positive payment history. We are asking the account holder ( BMW Financial Services ) to remove and update the payment history to all 100 % paid on time. There is no reason to show a missed payment in XX/XX/2017.
Warmest Regards, XXXX XXXX XXXX
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| 05/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
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On XX/XX/2019 I purchased a pre-owned BMW from salesman XXXX XXXX. While signing paperwork she came to me with the XXXX stating the XXXX was clean a couple of days later after playing online to see the resale value it stated XXXX I was shocked to learn the car had been in an accident and the airbags deployed I informed BMW. And her she sent me a paper that was hidden under the XXXX that i signed showing the accident but failed to tell me the car still under warranty and they refuse to back up there product.
After communication, they did agree to take the vehicle back but refused to take the vehicle back with my mother dropping it off due to me being on extended temporary duties with my job.
I put a writeup on their page and they responded with a response.
XXXX, we're sorry if there was any miscommunication. We want you to feel well-informed on the background of your pre-owned vehicle. If you wish to further discuss this issue, please feel free to contact us. We hope you give us another chance to clearly communicate. Thanks again, and please drive safely. ~XXXX XXXX
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I reached out to BMW advising of a hardship due to COVID-19 Pandemic and needed a deferred payment to allow me to stay on track and continue to make payments on time. Through the whole process I stayed in constant contact with BMW letting them know i would do my very best to become current. BMW said its no problem we will help you out during the pandemic as long as you " stay in contact and continue making a best effort to pay the loan. '' which i did. i was able to pay the loan balance down and with further conversations they stated if i was able to sell/pay the entire loan balance they would change payment history to reflect XXXX missed payments. on XX/XX/XXXX i sold the car and paid the entire balance in full. i was again told that's great we will " take care of that on our end '' however now on XX/XX/XXXX i am still reflecting late payments which are hurting my credit report almost beyond repair. Knowing how this turned out i wish i never sold the car considering it didn't change anything and i was being as genuine, Honest, and upfront the entire time.
|
| 06/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX I came into a BMW Dealer and leased a vehicle for which I gave consent to have my credit pulled. However, based on my XXXX credit report it appears to be that I have a total of 3 hard inquires that originated from the same place when there should only be one, Here are how they are listed as follows ( The only valid inquiry would have been from BMW FINANCIAL SERVICES on XX/XX/XXXX which is who a leased my vehicle through and also the date I made the request ) : Inquirer Name : XXXX BMW XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Automobile Dealers, Used Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquirer Name : BMW FINANCIAL SERVICES Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquirer Name : BMW FINANCIAL SERVICES Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
|
| 04/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was a victim of identity theft and had an auto lease opened under my name on XX/XX/XXXX. I also had 6 fraudulent credit cards opened under my name since XXXX. The suspect is my mother, who I no longer have contact with. All disputes were started in XX/XX/XXXX and all the credit card companies investigated and deleted the information under my name. However, BMW Financial Services refuses to delete the fraudulent information. I have provided more than enough documentation, police report included. They advised that I have to prove to them that it was opened fraudulently. This is wrong in every matter. The burden of proof lies on them, not me. I'm claiming identity theft so how can I furnish proof that I wasn't there to sign the auto lease 4 years ago? They told me they contacted the dealership to see if anyone can " remember '' who signed the paperwork 4 years ago. When I asked what would happen if they don't remember, they told me then there is nothing they could do. BMW Financial Services have been the most difficult company and don't care about ID Theft victims.
|
| 09/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
Dear Officer.
I filed a complaint as follows.
1. At my BMW leasing final lease term, the XXXX verified with the BMW Financial, and I paid off {$27000.00} on XX/XX/XXXX ( Exhibit 1 ).
2. Based on my final lease term on the lease agreement was {$27000.00}. I paid over {$230.00} more than I had to pay ( Exhibit 2 ).
3. BMW Financial sent a payment notice to ask for more money as {$370.00} on XX/XX/XXXX ( Exhibit 3 ).
4. I have contacted the BMW director XXXX XXXX via several phone calls and mail ( Exhibit 4 ) on XX/XX/XXXX and so on. They refused to explain the details and insisted if not paid with request, it would be reported to the credit agency.
5, The BMW
Financial reported the invoice to the credit bureau, it hurt my credit score from 800+ dropped to 690 ( Exhibit 5 and 6 ).
6. The BMW Financial also sent this invoice to the collection company. The collection department mailed a notice and received it on XX/XX/XXXX. ( Exhibit 7 ).
The BMW Financial owed the consumer an explanation but threatened to file on the credit report.
Thank you for your help.
|
| 08/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
BMW of XXXX : XXXX XXXX XXXX, XXXX, CT XXXX https XXXX XXXX XX/XX/2021 : Negotiated deal, the purchase price ( PRE-REBATES ) for {$61000.00} -- MSRP of the vehicle was {$63000.00}.
XX/XX/2021 : Documents signed and was assured by the Finance Manager of BMW of XXXX that the deal terms would be honored ( PRE-REBATES ).
While reviewing my lease contract, I noticed two ( 2 ) discrepancies on the contract and would appreciate some guidance, please. First, the negotiated price ( PRE-REBATES ) was {$61000.00} and the selling price on my contract is displaying a different amount. Second, the residual value ( RV ) of the vehicle on the negotiated price was {$34000.00}, whereas on my contract it is displaying an RV of {$36000.00}. The finance Manager-Mr. XXXX XXXX of BMW of XXXX failed to input the negotiated deal ( PRE-REBATES ) at signing while inflating the Residual Value. What is the point of having multiple layers of staff to negotiate the deal ( Client Advisors, Sales Managers, and so forth ) if the Finance staff ultimately reconstructs the deal ( PRE-REBATES ).
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
BMWFinancial in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
15 USC 1692b ( a ) ( 2 ) BMW Financial was never written consent by me to report any of my information to the credit bureau 2. 15 USC 1692d ( 1 ) BMW Financial has harassed the physical person damaged my reputation and stole my property.
3. 15 USC 6802 ( b ) ( 1 ) ( a ) I was never given a clear and conspicuously disclosure that such information may be disclosed to a third party.
4. 15 USC 80a-33 BMW Financial has willfully mutilated my account XXXX and XXXX are both in violation of 15 USC 1692b ( a ) ( 2 ) I never gave written consent for them to report any of my information
|
| 01/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
This is a follow-up to the CFPB Claim Number I previously submitted, and I've attached the correspondence I had with BMW via CFPB REFERENCE XXXX XXXX / XXXX The XXXX XXXX XXXX XXXX XXXX I had already contacted your company as a natural person, consumer, and creditor, and my bank institution ( XXXXXXXX XXXX ) had also written you a letter stating that the payment had been completed on time, but you had refused to erase the incorrect late payment. To demonstrate the financial transactions that were performed, I have included the letter and my bank statements for the months of XXXX and XX/XX/XXXX.
" XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' After repeated arguments with BMW Financial Services, BMW Financial Services continues to report inaccurate late payments. This is a mistake in timing.
|
| 03/01/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
I own a XXXX BMW X5 with VIN XXXX. The vehicle was purchased in XX/XX/XXXX and was financed by BMW Financial Services. Recently I made an inquiry to the lender to payoff the balance and possibly transfer the car to a family member. However, according BMW Financial Services, they will not be releasing the title to me upon receiving payoff, due to outstanding ( unfinished ) recall. Upon further discussion with the manufacture and dealer, I was told that, although the recall notice was sent to me in XX/XX/XXXX, about a year ago, the dealership can not complete the repair due to parts shortage. Furthermore, I was informed by BMW today that the soonest I can receive the parts is XXXX, another 6-7 months from now. The reason for the lender 's refusal to release title was referred to NHTSA 's Stop Sells order related to the recall. However, I can not find any information from NHTSA that prevents the lender to release clean title. It is NOT a sale, simply a loan pay-off.
I feel it is unreasonable for a lender to withhold title even after receiving full payment.
|
| 12/14/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Servicemember |
|
I fulfilled my lease obligations. I bought a vehicle when my lease was up and part of the deal was the dealer being XXXX XXXX XXXX was going to pay my last note to bmw financial. They paid the note but given incorrect amount by Bmw financial. I called Bmw financial 2 months before my lease was up and was told that I would receive a {$300.00} credit bc I was under my mileage by almost XXXX miles. I receive the {$800.00} plus bill that is in collections. They confirmed they received pmt but for whatever reason they did not issue my {$300.00} credit or post pmt. have contacted them 20 plus times been told I can not speak to a supervisor they said they would settle for {$170.00} instead of {$300.00} disposition fee which they arent now. I owe nothing. They are billing tax on everything as well. My car note was {$490.00} its their fault they told Bmw XXXX {$450.00}. Tried to fix that I got letter saying call dmv we are billing for tax. Im a XXXX XXXX family widow of XXXX died on XXXX XXXX I dont pay car tax. Now they are ruining my credit. Doesnt seem legal.
|
| 04/02/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
On XXXX XX/XX/2008, I entered an agreement with BMW Financial to lease a BMW XXXX series for a term of 3 years. My payments were roughly $ XXXX/month with a down payment of {$2500.00}. In XXXX of XX/XX/XXXX, I was laid off from my employer, and realized that the monthly payments were too high and decided to return the lease. I had XXXX potential sellers for the car in which BMW was unwilling to handle the sale of the car. I returned the lease to BMW in which the car was sold at the auction for {$24000.00} with a deficiency balance of {$8500.00}. To this day, I still do n't understand the point of BMW declining the sale of the lease car in which I provided potential sellers and selling the vehicle at the auction. It 's a win win situation for BMW, because they were able to capitalize off a consumer like me. Now that I am trying to buy my XXXX home, I have a derogatory account from BMW. The car was n't over mileage nor in any comestic damage when it was returned. BMW made it 's profit with the monthly payments and was able to sale the car without ease.
|
| 05/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I need to update a payment arrangement I made in the amount of XXXX, not including late charges which total around XXXX, I believe. Payments are scheduled to post on XX/XX/XXXX in the amounts of XXXX and XXXX via XXXX bill pay, another payment will be made on XX/XX/XXXX in the amount of XXXX, I believe this covers the month of XXXX and part of XXXX. I will work on getting remainder of XXXX payment by second week of XXXX, by the XXXX. I do not know about XXXX 's payment.. Currently, I do not have a phone to call to adjust this payment arrangement, it was noted by a manager in collections prior, that rep replied to last complaint I made. Also, I need to know when account is eligible for another extension/deferral, I believe the last one was several months ago. Please note, the reason for adjustment to arrangement is due to a property tax bill on the vehicle in the amount of XXXX, which needs to be paid as it will prevent vehicle from registration renewal. In Connecticut, you are not allowed to register your vehicle if a property tax bill is due on it.
|
| 05/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic.
The inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with BMW.
I contacted BMW, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.
Thanks for your prompt attention to this matter,
|
| 09/12/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to complain to BMW FINANCIAL SERVICES about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments or any inaccurate reporting as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular item you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
|
| 01/14/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
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Eight weeks ago I returned my XXXX BMW 328i car to BMW financial services for the end of lease. I had to pay {$8600.00} in excess mileage charges since the mileage on the lease was over 40,000 over the maximum allowed miles. ( BMW lease # XXXX ).
I also own a XXXX BMW X3 which I purchased new, and used to drive to work every day. I average over 30,000 miles per year.
I did not drive the XXXX BMW since last XXXX due to the fact that there were three unresolved recalls on this X3 which I thought would make it dangerous to drive 120 highway miles every day to work with another passenger in the car. Additionally, this model car had unreliable transfer gear box parts which made it even more dangerous to drive.As a result, I drove over 30,000 extra miles on the XXXX BMW 328i during XXXX and incurred over {$8000.00} fees in excess mileage.
I request that BMW refund me the {$8600.00} in excess mileage fees that I paid to BMW Financial services due to the amount of time it took BMW to resolve these recall issues, making it dangerous to drive the X3.
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| 08/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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On XX/XX/XXXX I made a monthly payment to BMW financial services for my XXXX BMW XXXX in the amount of {$500.00} though the BMW customer account website. The money was drawn directly from my bank account on XX/XX/XXXX. On XX/XX/XXXX BMW financial services illegally drafted additional funds from my bank account in the amount of {$560.00} and applied it to my BMW account, that money cleared my bank account on XX/XX/XXXX. I did not authorize this transaction. I I have spoken to numerous supervisers with BMW financial services Advising them of the overpayment for this month and requesting a refund. I have faxed and emailed information from my bank showing both transaction cleared my bank account. I spoke with XXXX XXXX ( manager ) XXXX XXXX ( customer service advocate ) and received an email from XXXX XXXX XXXX ( chief operating officer ). As of today XX/XX/XXXX I have not received a refund. I have never made a late payment or had funds returned and I am upset that the managers all refuse to return my overpayment amount that they illegally obtained.
|
| 08/22/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XXXX XXXX BMW leased XXXX VIN XXXX, a lemon, towed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and towed once more on its turn in date of XX/XX/XXXX. XXXX XXXX, GM of XXXX XXXX BMW, stated on he would not take the car back due to its history when I sought leasing a new BMW & therefore, a termination fee of {$350.00} for not obtaining a new BMW with his dealership should not be charged to me as Mr. XXXX denied me the opportunity to seek a new lease with his dealership. Additionally, out of pocket costs to have this car towed to the dealer via XXXX exceed {$350.00} ( I have the XXXX paperwork confirming 3 tows on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and the {$350.00} tire cost fee assessed by XXXX XXXX BMW is not warranted and is disputable as the vehicle was inspected by a 3rd party, XXXX XXXX XXXX XXXX in XXXX XXXX ( which is where it was towed from on XX/XX/XXXX ) and no tire replacement was found necessary. BMW Financial sold this debt incorrectly and unfairly to ACT and XXXX BMW unfairly created these inaccurate debts for a car that is a lemon.
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| 12/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX, BMW corresponded expressing they are in need of 60 days to provide resolution.
The FCRA requires the national credit bureaus to complete dispute investigations within 30 to 45 days, as follows : 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them not 60 days.
I would like to resolve this matter in a timely manner. Please see attachments below.
1. Final Notice 2. Conditional Offer HJR-192 superseded Public Law ( what passes as law today is only " color of law ), replacing it with public policy. This eliminated our ability to PAY our debts, allowing only for their DISCHARGE. When we use any commercial paper ( checks, drafts, warrants, federal reserve notes, etc. ), and accept it as money, we simply pass the unpaid debt attached to the paper on to others, by way of our purchases and transactions. This unpaid debt, under public policy, now carries a public liability for its collection. In other words, all debt is now public.
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
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BMW Financial Services billed me for what they claim to be damages and monies owed on our XXXX XXXX XXXX that was returned in XX/XX/XXXX. The vehicle was returned with XXXX less miles than originally agreed upon. The value of the vehicle is MUCH higher because the mileage was so low. They are claiming that I owe them $ XXXX for missing a scheduled service. They are claiming that I owe them for 4 new wheels because of a ridiculous standard that they set. They are claiming that minor scratches are expensive and need to be paid for. This vehicle was never involved in an accident and was returned in GREAT condition. They sent a " MAJOR DEROGATORY '' claim to major credit bureaus which lowered my EXCELLENT credit score by over 130 points affecting my ability to borrow money. They are bullying me as a consumer and think they can charge consumers any amount that they deem necessary at the end of their lease. This is not fair and I will not be taken advantage of. I need all negative items removed from my credit reports and my credit score restored.
|
| 11/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
I was a victim of a crime and submitted a few times the letter from the district attorney and restitution order from the court. BMW has charged off these amounts and closed these accounts. I got an alert from XXXX that there was changes to my credit report. They were contacted by me in response to a letter I just got where by I had asked for the 1099-C 's for both the accounts and was told I would get them if they could not collect. It is almost two years and no they a n't collect and are aware of it. They need to send the 1099-C 's and XXXX out the accounts. Instead of doing this they are now reporting late payments well after these accounts were closed well over a year ago and should not be reported as currently late, As a charge off they get paid from insurance and of course, the cars were either resold or re-leased. I will attach the two letters saying I would get a 1099-C and yet they are not responding to this request so that they can keep a past due balance on the account and now are even reporting late payments ona closed account.
|
| 02/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
BMW financial has fraudently, illegally and intentionally reported erroneous information to XXXX. I contracted a lease agreement with BMW Financial in XXXX XXXX for amount of XXXX. The account number is XXXX When I disputed an error reported to XXXX Credit bureau , BMW Financial maliciously changed the contracted lease amount from XXXX To XXXX. Also BMW FINANCIAL keeps changing the Late date referencing a 30 day late so it can continue to reflect on my credit report. Ive included a correspondence showing what BMW reported to XXXX in XXXX and now XXXX BMW Financial is reporting a different contracted lease amount as well as a new XXXX date referencing when the payment was 30 days late. Im requesting BMW to report the lease amount of XXXX, XXXX that I contracted to and report truthfully that this 30 day late is more then 7 years old and needs to be deleted off my XXXX CREDIT REPORT. Dont let BMW financial get away with changing loan terms 7 years later. XXXX let XXXX XXXX get away with erroneous reporting well beyond legal statue limitations.
|
| 11/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
I was a victim of a crime and submitted a few times the letter from the district attorney and restitution order from the court. BMW has charged off these amounts and closed these accounts. I got an alert from XXXX that there was changes to my credit report. They were contacted by me in response to a letter I just got where by I had asked for the 1099-C 's for both the accounts and was told I would get them if they could not collect. It is almost two years and no they a n't collect and are aware of it. They need to send the 1099-C 's and XXXX out the accounts. Instead of doing this they are now reporting late payments well after these accounts were closed well over a year ago and should not be reported as currently late, As a charge off they get paid from insurance and of course, the cars were either resold or re-leased. I will attach the two letters saying I would get a 1099-C and yet they are not responding to this request so that they can keep a past due balance on the account and now are even reporting late payments ona closed account.
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Upon checking my credit report, I notice an account from BMW Financial Services that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that BMW Financial Services were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
|
| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I filed XXXX XXXX XXXXXX/XX/XXXX, and I was discharged on XX/XX/XXXX. BMW open this account on XX/XX/XXXX which is stated as open in the amount of XXXX. This made my credit score go down XXXX points. How can the report something that was completed in bankruptcy. Please Review attachment : XXXX XXXX BMW FINANCIAL SERVIC Reported : XXXX XXXX, XXXX {$24000.00} Needs Attention Overview You have XXXX XXXX left to pay on this loan.
Balance {$24000.00} Highest Balance No Info XXXX payment {$610.00} Opened XXXX. XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Term No Info Payment History Youve made XXXX XXXX of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status XXXXXXXX XXXX Late Worst Payment Status XXXXXXXX XXXX Late Account Details Account status Open Type Auto Responsibility Individual Account.
Remarks Fixed rate Times XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
|
| 05/29/2021 |
No |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I AM REQUESTING HELP WITH THIS MATTER I HAVE TRIED TO MAKE A COMPAINT WITH THE XXXX ABOUT THIS MATTER. I WAS GIVEN THE COVID 19 RELIEF PROGRAM WERE BMW FINANCIAL SERVICES SAID THEY WOULD DO A DEFERMENT ON MY PAYMENT BECUASE I WAS XXXX XXXX XXXX XXXX AND WAS UNABLE TO WORK AND MY WIFE TOOK XXXX ALSO. I WAS IN CONTACT WITH A REPRESENTATIVE THERE AND SHE TOLD ME TO STAY IN TOUCH AND PAY WHAT I COULD, WHICH I HAD CONTINUOUS COMMUNINCATION WITH THEM AND WAS TOLD THAT REPORTING WOULD BE PUT ON HOLD AND THEY WOULD DEFER MY PAYMENT AND CREDIT REPORTING WOULD RESUME IN XXXX. I MADE A {$2500.00} PAYMENT AND ANOTHER {$1500.00} PAYMENT WHICH WAS SENT BEFORE XXXX.
ONCE XX/XX/2020 CAME I MADE MY NORMAL PAYMENT AND THEY REPOSSESED MY CAR AND TOLD ME THAT I WOULD HAVE TO PAY {$12000.00} TO RECEIVE THE BMW BACK, THEY NEVER DEFERRED MY PAYMENT THEY DEMANDED THE PAYMENT ALL AT ONE TIME.
I WOULD LIKE HELP WITH THIS MATTER BECUASE THEY USED FRAUDLENT TACTICS AND LIED AND LED ME TO BELIEVED SOMETHING TOTALLY DIFFERENT.
REPSPECTFULLY XXXX XXXX XXXX
|
| 02/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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On XX/XX/XXXX I paid off the remaining loan amount to the captive finance company of XXXX XXXX, BMW Financial Services doing business as XXXX XXXX XXXX.
1 ) After 4 years of paying on time they had me wait two weeks to send the title for my check to clear 2 ) When I finally received the title on XX/XX/XXXX, they sent the wrong title 3 ) When talking to them over the phone on XX/XX/XXXX, they insisted on me first returning the wrong title that they sent before they can send me my title.
4 ) When insisting that they should return my title even before I returned the wrongful one, they refused. They also refused escalating the call any further after talking with a Service Manager called XXXX. No last name.
We see BMW Financial Services treating its customers as untrustworthy even when the customer has complied in every respect and they have not.
A company like BMW should hold itself to higher standards, standards that respect and put the customer first as opposed to putting their company fist even when they make mistakes.
|
| 06/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchase my XXXX XXXX XXXX XXXX in XXXX from XXXX XXXX in XXXX XXXX Maryland, with an extended warranty. Unfortunately, I found out later ( 3 years ), my Car is in a class lawsuit against the ( XXXX ) engine, for oil chain causing major oil leaks, and there is no oil dip stick to check the level of oil, on this model, along with a under covering, so can not see any street oil leaks, and a malfunction on the interior computer dash to not show low oil. Unfortunately, thats what happen to me, and my cars engine locked up, while I was driving on the highway, Thank God I was able to pull over safely, because the car completely shut off, and never started again. I contacted XXXX BMW in XXXX, XXXX, they informed me of the pending class lawsuit, and told me Bmw of America would pick up {$11000.00} of the {$19000.00} to replace the engine, and I have to pay {$7500.00} balance. Thats not fair to me, and was no fault of my own, I dont have that! I feel Im being bully! And I still have a car note with XXXX XXXX XXXX on this car
|
| 02/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
My deceased husband leased a car I made payments when the lease was up after dealing with XXXX Bmw over 20yrs I decided to buy the car. I left without the car. I sent an email to the manager that I had second thoughts I wanted out. I get to the dealership and the salesman says its to late I said well i was turned down for credit. My credit was highjacked. They didnt care not their problem. I called Bmw headquarters they put in a complaint and told me to try and deal with the dealership. I tried they would not return my phone call, the customer service was nasty with me finance would not call me back. They sold me a car for XXXX that I can only sell for XXXX. I can not be bullied into this car. Then after all these company 's turned me down, then Bmw financed the car they have destroyed my credit even further.
I can not afford the car but I can not afford to have it repossessed because they will put a lien on me for the balance the car has XXXX, XXXXXXXX XXXX its a XXXX. I need help thank you XXXX XXXX XXXX XXXX XXXX
|
| 03/28/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I received the lease end bill from BMW via certified mail. There is a {$250.00} charge for what i believe is a missing second key. This was on the initial inspection because I didnt have the spare key with me at the inspection prior to returning the vehicle. Upon returning the vehicle at the BMW dealership, i returned both keys and have a receipt which i assume was forward to BMW financial services.
I called the " End of Term Specialists '' as detailed in the letter i received certified mail on two occasions only to be put on " perma-hold ''. I was never able to speak to anyone. I then called a woman named XXXX at BMW whose number I retained from my last CFPB complaint which she finally did resolve ( she admitted BMW was at fault and resolved the matter only because of the complaint ).
XXXX could'nt get me to the appropriate department but promised that she would get them to return my call. No calls from anyone. I believe this is a common practice at BMW financial services and nothing is being done to prevent this.
|
| 08/14/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The account in question was opened XX/XX/XXXX. Ever since I discovered it, I've been trying to correct the error. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX everytime I dispute the validity of the account, asking for the legal documents that verify that I'm responsible for this account, all I get in return is " BMW certified the account as accurate without any evidence without any evidence of the certification. As a result the erroneous report still remains.
I've been turned down for home loans, business loans as a result of this negative and inaccurate report from BMW Financial Services. XXXX is the account number on file XXXX.
I'm yet to receive any physical communication with evidence that I own the account. This account has gone through collection phase, charged off phase in XXXX reported paid as agreed In XXXX XXXX XXXX and now in charge off phase again. These irregularities and re-ageing has cost me a whole lot. Not only will they not provide me with the proof I asked but still report the account as accurate
|
| 06/26/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am a joint owner of this lease account, equally responsible for timely payments. I reside at a different address than the XXXX owner I signed for, and I requested paper statements and notices be sent to my address. No paper statements have ever been sent to my address, and resulted in a XXXX payment not being applied and marked on my credit as late in XX/XX/2022. I have disputed this with BMW Financial and was dismissed by their credit review department. Representative confirmed that I never consented to electronic statement ; however, they said that they were not obligated to send me statements as the XXXX owner opted to receive statements electronically. again we live in different household and my pre-requisite for co-signing this lease was to receive full statements and notices every month. they failed to do so and denied me the opportunity to monitor good standing of this account.
ideal resolution to this problem is for BMW Financial to acknowledge their mistake and erase the late payment of my credit report
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
MY CREDIT WAS PULLED WITHOUT MY PERMISSION AND ACCTS ARE LISTED THAT I HAVE NO RECOLLECTION OF.
BMW FINANCIAL SERVICES Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX {$95000.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX {$110000.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$2800.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX UPDATED XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX Date opened XX/XX/XXXX ACCT # XXXXXXXX XXXX {$290.00} XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Date opened XX/XX/XXXX ACCT # XXXX XXXX {$1400.00} XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX {$22000.00} XXXX UPDATED XX/XX/XXXX INQUIRY -- - XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
|
| 04/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have been trying to update a delinquent payment reported on my credit report cause by a lemon vehicle provided by BMW. After ongoing issues with my brand new lease vehicle, BMW finally devised to provide me with a substitute car. During this process, my car was at their repair facility quite often. This created issues at work, actual damages and other financial issues. During these times, the account went delinquent 30 days, as I was under the impression that my deposit was going to be utilize to cover an installment payment.
Soon thereafter, I made 3 upfront payments to bring the account current, and to move forward with everything I have been doing business with BMW for quite some time, and the reason why I lease a brand new BMW is not to have this issue. The account would have never been late, if this issues wouldn't appeared. This problem not just affected me, but my family members as well. I would like to have this account updated to pay as agreed, and not late.
Account ending in XXXX 2021 BMW XXXX XXXX
|
| 04/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
Good day, I purchased a XXXX BMW in XXXX XXXX, along with an extended warranty, I Traded the vehicle in less than four ( 4 ) months XX/XX/XXXX and was told I would be refunded for the extended warranty I purchased at about {$6500.00}, after 8 months of calling and re-submitting the request, I was told that BMW does not refund the warranty when a vehicle is traded in.. I was flabbergasted... well to make matters worse, did not like the XXXX BMW XXXX I purchased and ended trading it in on XXXX XXXX for a new XXXX well the dealer I went to never heard of such a thing, and attempted to contact BMW XXXX XXXX where I purchased the two cars, and got nothing but a run around, and the calls going straight to Voice Mail , additionally they had placed a notation on my record at the dealer to not speak with me. I now have paid to two warranties that I will never use. Can something be done to help get my money back? In my Opinion BMW of XXXX are practicing UDAAP. I have lost about {$11000.00}.
Regards, XXXX XXXX XXXX XXXX
|
| 02/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
As explained in prior CFPB complaint ID : XXXX, which rep replying on behalf of BMWF did not fully address, there is a block preventing ACH payments on the account. The block was removed prior by a phone rep when I attempted to make an online ACH payment, the rep agreed to remove block to allow me to make payment which was later rejected because the bank, XXXX, claimed wrong info entered.. I have attempted to make ACH payments since and was unable to do so, it appears BMWF replaced the block after failed payment through XXXX. The account is due for XXXX payment and I plan on using my {$1400.00} stimulus payment to cover it, however, that payment is going into an account which does not allow bill payments. Further, I am unable to transfer funds from it as I can not link it to an external account, it is a pre-paid account and does not allow it to be linked for funds transfers. I request BMWF remove block to allow ACH payment so I can at least pay XXXX payment before it snowballs into XXXX, possibly XXXX.
|
| 06/01/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I entered into a lease with BMW financial services four years ago. shortly after signing my lease I noticed the payment date was incorrect, I went back to the dealership and completed the form to change the payment from the XXXX to the XXXX of the month. Over the course of my lease I have had continue problems with the payment coming out on the wrong date. I have completed the change of date form a number of times, I have made phone call after phone call, where I am assured it has been corrected and will not happen again. There have also been a couple times where they will take more then one payment or not take a payment at all, where I will have to battle them to get it corrected. So after all this I have just found out that I have reports of slow payments on my credit bureau, because of the times that they have messed up. I have tried to resolve this with BMW financial however after trying for the past two weeks I have yet to actually speak with a supervisor or a manager to get to the bottom of this.
|
| 01/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XX/XX/XXXX - BMW was repossessed while making payments and trying to catch up, BMW didn't want to work with past due amount, repossessed vehicle 1 week after last payment.
XX/XX/XXXX - Past due balance on vehicle is {$2300.00}. Amount required to reclaim vehicle and personal property from vehicle due to excessive fees is {$4200.00}. BMW refuses to work with me or lower any " fees '', charging almost 100 % to recover the vehicle and personal property.
XX/XX/XXXX - Had to pay entire {$4200.00} at great personal hardship and expense, diverting funds away from mortgage and tuition in order to recover car and pay BMW 's almost 100 % fee.
XX/XX/XXXX - In addition to a BMW separate {$850.00} " repossession fee '' that I was told was paid to the repo company, I was just informed that I will still have to pay the repo company a separate {$500.00} fee. So there's a double dipping repo fee - {$850.00} to BMW and {$500.00} to the repo company, for a total of over {$4700.00} on a past due {$2300.00} balance.
|
| 09/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
My ex-boyfriend has his friend who XXXX take back my old BMW and traded it for a brand new {$47000.00} BMW. The dealership FORGED MY SIGNATURE on the contract, therefor I do n't even have a copy of whatever contract they signed. They switched everything over at the dealership and he drove the car around for two months without me even knowing he had done this. He did n't even pay for the car, and then it got repossessed and I get an outstanding balance bill. XXXX credit collectors have gotten this account and then dropped the case once they reviewed the contract. I have been disputing this with all XXXX credit reporting agencies but BMW always claims the account is mine. How is this so when my signature was forged and this vehicle was bought without my permission in MY name. I currently have a loan open site BMW Financial services which also has my signature on it. I 've repeatedly asked BMW to review the contract so they can see the difference in the signatures but I never get a response. Please help.
|
| 01/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I 'm a single mother of XXXX. Me and my kids were victims of Hurricane Harvey. We lost everything I contacted BMW Financial to let them know we had been displaced. They offered to push 2 loan payments to the back if my loan. I had to contact them numerous times to send the extension contract for me to sign. XXXX XXXX, 2017 I called in and requested 1 more extension. My company closed permanently because of the damages from XXXX and I just started a new job. The rep I spoke with said it was approved and I did n't have to worry about a payment untill next month.
They deceived me and reported to my credit that I was late and put my vehicle into repossession status. I was promised a service from this company that I never received. When I call customer service they all give me different answers. I ca n't get a straight answer from anyone. They all have a bad attitude and have been very rude to me. I will never do business with them again and would not recommend any one too do business with them either.
|
| 07/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
Servicemember |
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On XX/XX/XXXX I applied to refinance my XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX. I 've purchased two BMW vehicles with XXXX XXXX, my payment history is very good with XXXX XXXX, which they allowed me to not make two months of payments, which will be push to back of car loan, due to my Great Payment History. They denied me the right to refinance the car. I called XXXX XXXX at XXXX on XX/XX/XXXX to inquire of the status of my refinance application, they informed me that I was denied, without reasonable cause. I believe that I 'm being discriminated against, or what you call " Red-lining '' i.e., in the real estate industry, I presume it is the same terminology being illustrated in this situation. The interest I 'm paying on the vehicle is 10.4 %, which is extremely High, I was taking advantage of, when purchasing this vehicle, I hope that the CFPB will assist me with protecting my rights as a consumer. Car Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank You, XXXX XXXX XXXX ( XXXX ) XXXX
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| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Servicemember |
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I am writing to dispute the following inaccurate information against BMW Financial Services. I have leased with BMW twice. The second lease I was eligible for early lease due to a promotional offer at the time. I started a new lease in XX/XX/2017 and was assured that since it was the beginning of my lease, my payment dates will not be affected. On my credit report they reported me for a late payment in XXXX when in fact that was inaccurate. I paid twice in XXXX and was early for XXXX payment. They had a glitch in their system and they failed to notify me. I notified XXXX and filed a dispute, but unfortunately they couldnt do anything and advised me to reach out to BMW. So I reached out to BMW and they mentioned it was a system glitch and also mentioned I was always on time with my payments. Because my account is closed and paid I full, they can not remove the late payment on my credit report.
Enclosed are copies of my payment history and you will see that I made two payments in XXXX and in XXXX.
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| 11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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My payments are due on XXXX of every month. that's the due date.
In XXXX payment was due on the XXXX of the month, as such I mad a payment in XXXX on the XXXX.
since there are 31 days in XXXX, XX/XX/XXXX is the XXXX day. BMW was paid on that day which is the XXXX day. so because they were paid on that XXXX day, they can not report me 30days late, because they had payment in their possession on day 30 and such was not over yet so technically the 30th day was not over yet and they are in violation of fair credit reporting as such states : " late payments generally wont end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees. '' XXXX states : If youre only a few days or a couple of weeks late on the payment, and you make the full late payment before that 30 days is up, See, XXXX XXXX XXXX On XX/XX/XXXX when I made the payment, the 30 days was not up yet and they had the payment, so they are incorrectly reporting a late payment.
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| 10/03/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I purchased my certified pre-owned vehicle from a reputable BMW dealership in XXXX, 2014. I then had to take my vehicle in due to the car stalling and having to be restarted at times when I stopped at red lights or random traffic stops. I took the vehicle in this last time a couple of weeks ago as the car did not turn back on in the middle of a busy traffic Intersectin in XXXX California. A BMW dealership had to replace the complete fuel system at this time. I asked that BMW repurchase my vehicle since it has been documented that it is no longer safe. BMW, NA only offered to make me a lump sum payment of {$1500.00}. I do not feel that this vehicle is safe. I do not have the resources to not drive it and purchase another one. I have tried to deal with BMW but I feel like I 'm being pushed to the side and that they are not concerned with the serious safety issue this vehicle poses. I need help because I do not want to get into serious injury or worse because of the factory vehicle deficiencies.
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| 05/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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The total amount due on my BMW Financial Services account is XXXX, which includes a past due amount for the month of XX/XX/XXXX. I spoke with a XXXX XXXX on XX/XX/XXXX, she advised me I could use an insurance check from XXXX to apply to my account as payment. This check is payment for minor damage to the vehicle. Check was received yesterday, XX/XX/XXXX in the amount of XXXX. It is made out to myself and BMW Financial Services, it was mailed out today,XX/XX/XXXX, sent to the address provided in XXXX 's email. The check number is XXXX, sent to BMW Financial Services, XXXX XXXX XXXX, XXXX, OH XXXX. I believe there is a notice of default on the account, however, I do not have the notice as I have not received it as of yet. Please advise BMW Financial Services the payment is in the mail, sent out today. In case there is an error in processing or delay in receiving, please request additional time to allow payment to post. I have a copy of XXXX 's email with instructions to send if its needed.
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| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XXXX, I have opened a loan account with BMW financial services for buying a used car from BMW dealership XXXX my monthly payment is {$740.00} for XXXX payment was paid on XX/XX/2022, at that time I was sick with XXXX and was not able to go out until few days after. the total late days were only 13 days but BMW Financial services reported it as 30 days late payment which is totally wrong. I have written up a request ( XXXX ) to BMW financial services asking them to remove that from my credit report with all XXXX credit bureau but they rejected my request. Also, I did dispute it with the credit bureau but the result came back as accurate info. I am attaching a proof from my account page with BMW financial services showing the payment has been received on XX/XX/2022 which means only 13 days late from the initial payment scheduled date.
Their intensionally wrong report caused me losing my eligibility for home Mortgage 3 weeks ago, where I was buying a house to my family and elderly parents.
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| 12/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I called BMW Financial Services today, XX/XX/XXXX, in regard to payment owed on a totaled vehicle, a XXXX XXXX XXXX XXXX. The rep I spoke with could not discuss account due to a cease and desist on account, he requested I send an email to XXXXXXXXXXXX, which I did today. I did not receive a reply as of yet. The purpose of the call was to see if a settlement amount is available, there was an XXXX % settlement offer made prior, however, I could not accept it at the time as I was waiting for a legal settlement. The attorney handling the case against XXXX, the insurance company who paid off vehicle, called today stating settlement check would be sent soon. He was able to recover amount owed on loan as part of settlement. I called BMWF to accept a settlement amount of what is owed, the rep said to email the address mentioned earlier but did not hear back. Please advise BMWF I will accept settlement offer of XXXX % as previously offered. I will call in to make payment once offer is verified.
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| 10/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I have had an auto loan with BMW financial services for approximately 1.5 years. Recently I have tried to pay my car off by making large online payments. I tried to make a payment larger than {$7500.00} and their system prevents you from making payments in a one month period for more than {$7500.00}. Obviously this is a way for the company to delay you paying off your car, in order, to charge more interest.
I called a representative to discuss this and they said not even a supervisor can lift the {$7500.00} per month payment restriction. I have owned many cars and I have to say I have never heard of such a thing.
Recently to bypass the $ XXXX/month online payment restriction, I mailed in two checks. One for {$1000.00} and one for a much larger amount at the same time on the same day at the same post office. The smaller check for {$1000.00} they cashed. The larger check however they still havent cashed a week later. Again, to delay payoff of my vehicle so they can charge more interest.
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| 07/03/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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Hello, i have gone in to look and test drive a car at Bmw and i was just there to look and i was pressure tatic to sign papers and now im stuck with a very high payment on this lease i said i couldnt sign because i am on medical leave due to long term XXXX and they said blah blah this is a good deal you wont get a deal like this in the future etc. I teied to call bmw financing services which is the bank and they said i can not make any arrangements im still on medical leave and it would be nice to lower my monthly payment some how. If possible extwnd the lease agreement to lower payments or lower the money factor but i was forced into leasing the car when i mentioned i cannotot afford {$580.00} month i would be happy if it was in the low 400s i can work with that. Because i have to pay insurance on top of this i do not want to get a lawyer until i can possibly solve this with bmw finance services first. I was lied to and pressures into this lease. Please give me a call XXXX XXXX XXXX
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| 12/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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Web |
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The lease term for the XXXX BMW was for 36 months.
The monthly payment was {$1000.00}, equaling {$36000.00} for the full lease term.
The {$51000.00} balance as of the recovery rate on the document is incorrect. Being a LEASE and not a financed vehicle, I am not responsible for the full balance of the cost of the vehicle. I am only responsible for the 36-month lease.
Of the 36-month lease, I paid - {$13000.00} not including the trade-in of the XXXX BMW valuing {$8700.00} XXXX
The total amount I paid into the Lease was - {$21000.00}.
The full lease term was {$36000.00} {$36000.00} - {$21000.00} equals = - ( XXXX XXXX.
_____________________________________________________________________ The Action recovery amount BMW received for the vehicle was {$33000.00}.
Plus {$21000.00} I paid into the lease Not to mention the {$19000.00} in fraudulent deficiency balances.
The attempted recovery of this vehicle is over {$74000.00}.
MORE THAN THE ACTUAL COST OF THE VEHICLE {$51000.00}.
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| 09/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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The below complaint marked as duplicate when it is in fact not, it was not submitted prior, Should this complaint be marked as duplicate to avoid address, I request CFPB look into this behavior by BMWF. Please see complaint below..
The last ACH payment made on my BMWF account was returned for reason ( s ) unknown to me, item does not show presented to my bank, XXXX. There appears to be an error with routing and or account number, I do not have an exact answer for return at this time. The account is now past due for months of XXXX and XXXX, total amount of {$1800.00} I believe. I sent a secure message via BMWF site today, XX/XX/XXXX, advising I scheduled an electronic bill pay in the amount of {$900.00} on XX/XX/XXXX. I plan on making an additional payment the following week on XXXX, the amount of {$400.00}. At this time I wish to clarify if account is still eligible to make ACH payments, due to this last return.. Further, I wish to advise of my payment intentions detailed above
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| 05/07/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I had 30 days late payment on XX/XX/XXXX from BMW. ( It's paid off never had late payment ) Staring call BMW service on XX/XX/XXXX ask them to remove 30 days late payment XX/XX/XXXX. I ask them politily to remove 30 days late payment. At this time everything was going well and told me to send goodwill letter to them and I did. Around XX/XX/XXXX I call bmw to check the result. when i had chance to talk customer service one of the assistant told me that BMW sended it out to all credit bureau. I even double check with this assistant.
About week later nothing was changed. So I called BMW service what was going on?
they told me they declined what i ask for.. I did complain about previous assistant what he said to me ... .still nothing was changed. I thought it was going to be removebecuse how it went ... I'm disappointed their decision. Also 3 major credit bureau was not helpful at all keep asking me to get a delete letter from leader because they have no power to remove anything
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| 03/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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My BMWF Services account is past due for XXXX and XXXX, XXXX payment is due on XX/XX/XXXX. Due to XXXX XXXX, my employer, XXXX XXXX XXXX, is expected to shut down temporarily.. That being said, income will be limited. I will continue to make payments to attempt to cover past due amount, however, I request BMWF to hold off payments until operations resume. I do not want to risk repossession. The XXXX payment is coming due soon, I request BMWF hold off billing and payments, possibly apply them to end of loan. Further, I am expecting an inheritance soon, I have attached a screen shot from attorney handling estate showing estimated amount I expect to receive. According to the email, disbursement of funds from estate is expected to occur this month or next.. Once I receive payment, I fully intend to pay off loan which I can do as I expect to receive at least 300k. I request BMWF to hold off billing starting with XXXX or allow me time to pay off loan in full before repossession.
|
| 05/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
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Web |
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I have a bmw through bmw financial. I have never been late. Due to covid 9 I was approved for a 2 month deferment of payments to keep my account status current. I called in at the end of XXXX to request this. I signed the deferment and forgot about it. Then today I got a credit alert thats said I had a change in account status so I looked to see what it is and bmw reported to my credit that Ive been affected by a natural disaster. Then I logged into my account and it showed past due 30 days. So i called bmw and they said they could redo the deferment again. I told them you reported on my credit and they said they just report status of disaster. I dont think that is fair or right. I didnt know they would do that. They made a mistake. I dont appreciate this right now. I called in XXXX to prevent this. After they updated the deferment it still shows payment due XX/XX/XXXX, when it should be XX/XX/XXXX. Also Im a hairstylist in California. We wont be working til end of XXXX.
|
| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
|
| 01/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
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I tried to apply for financing for a vehicle was denied. Which is a violation of 28 USC 3002 ( 3 ). They also violated 18 USC 8 all debts are obligation of UNITED STATES. They also violated 15 USC 6803 they ran my credit without written consent. They also violated XXXX cfr XXXX, XXXX cfr XXXX my signature was the credit. They also violated 15USC 1605a they said i need a down payment. they also violated 12 cfr 1002 I the consumer made an credit application in good faith but no credit was issued. They also violated 15 usc 1692k there was no equal opportunity. all these are violations of the consumer bill of rights access to basic goods and services. By me filling out a application it also created a fiduciary obligation with the trust it was in my best interest. by denying me that was XXXX XXXX XXXX XXXX XXXX XXXX ) which is a violation of 18 usc 3333. I feel these violations are a violation of my civil rights under 42 usc 1983,1985, 1986, 1988 and 18 usc 245, and 242.
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| 12/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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Hello XXXX-I Am currently in a 72/58Mo Remaining, AUTO FINANCE LOAN with BMW FINANCIAL, N.A XXXX XXXX XX/XX/XXXX, XXXX Applied XXXX ( 6Mo ahead ), to the existing Loan. I Conducted a followup, and discovered a payment of XXXX was missing, and my wrong balance indicated XXXX Contacted " BMW Fin '', CSR, and was informed, and assured.. '' Not to Worry the payment is being applied to XXXX '' .Recently, On XXXX, XXXX Performed another followup, and my balance was wrongful decrease again-reflecting XXXX wrong extra payment has been pushed along, In upcoming XXXX ( Should reflect, XXXX Payments-NOV, XXXX, XXXX a XXXX ).
According to the current balance Now in XXXX wrongfully XXXX ( Actually-four payments has been absorbed ).
Apparently, as of present " BMW FINANCIAL '', Insist on manipulating this LOAN, To their unwarranted unorthodox advantage..And, I Am not going to stand for this prolonged Misuse, and blatant ripoff by BMW FINANCIAL Pertaining to this USED AUTO LOAN.
|
| 10/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
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Not only I but my family members also have been harassed by the collections department of BMW financial services. I have a record phone call from them when they called my son while he was away in college. I have been told that BMW financial services called several other family members as well. I XXXX XXXX was the sole owner of the vehicle. I do n't understand how it is legal for BMW financial services to contact anyone else but XXXX XXXX. The vehicle was repossessed by BMW financial services in XXXX of 2015. Since then BMW has be fully compensated for the sale of the vehicle. Not only am I still receiving calls but this nonsense is being reported on my credit report. I am reaching out to you in hopes to dissolved this matter immediately to avoid further costly actions. BMW financial services continues to conduct business in ways that are unconstitutional. I am being unfairly treated and consistently harassed, I am physically and mentally drained from this situation.
|
| 06/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 30 plus days in have not had a response. Under the FCRA XXXX XXXX. XXXX, all unverified accounts XXXX be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.
Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose.
( a ) Accuracy and fairness of credit reporting.
Accuracy mean that all value are deem correct and Accuracy is measure of value.
Fairness means no one is taking unjust advantage of another. I know they willfully and knowingly that they are reporting inaccurate information and committing fraud.
( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
|
| 01/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
BMW financials changed my account number which caused my banks autopay system to not be able to send a payment as it had been for 3 years, the bank admitted there was a glitch due to the change in my account - BMW financials received a full payment 20days late- they reported a LATE on my credit report which dropped my FICA score 120pts but refuses to remove the late after they requested a letter from the bank would correct the issue and were sent proof that the late payment was not due to my negligence but their actions and the banks mistake. BMW financials still has not responded to me nor corrected their credit reporting. There is no contact info. To reach out to them & they have caused financial damages for me due to this issue. They were mailed letters and there is a history of 40 months of perfect on time payments with the exception of this one time ( which was caused by the change in the account number they issued ) and they refuse to correct their mistake.
|
| 03/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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On XX/XX/2023, I wrote a letter to BMW Financial Service to dispute the alleged debt associated with the vehicle in question. This letter was received by BMW on the XXXX of XXXX. In this letter, I requested BMW to provide me in writing a copy of the validation of the debt, as well as, the name and address of the original creditor. BMW has failed to do so within 30 days of receiving my request. On XX/XX/, I wrote BMW Financial Services a follow up letter informing them that their failure to comply with FDCPA 15 USC 1692G has made the debt associated with the vehicle invalid. This letter was received on XX/XX/2023. At that time, I request that remedies be made for their failure to comply with the law to which 15 days have been given to do so. Again, BMW has failed to comply with this request. I am filing this complaint due to BMW inability to adhere to the laws identified by the Fair Debt Collection Practice Act which is reviewed by the CFPB that they report into.
|
| 04/04/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
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From the end of XXXX through most of XXXX, I was severely struggling financially as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Although the last few years were challenging for all of us, I did my best to make all my payments on time to creditors. I spoke with BMW a few times and explained that my business had been struggling and I could still not get funds for PPP or EIDL. I was also on rent relief which was more embarrassing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found out even though I was forced to be late on payments that BMW was also charging me {$35.00} late fees every month which was making my financial situation worse. I tried to allow myself extra time to make payments and was 30 or 31 days late which caused them to end up on my credit report. I hope that I can be forgiven and get those 30 days late removed from my credit report as it is having a burden on me getting a place to live for my son and I.
|
| 11/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
BMW Financial approved me at Prestige BMW in XXXX, New Jersey for about XXXX on a brand new M235i with some Dinan parts. However, I am XXXX I put nothing down and I got approved, mind you I make about XXXX a month so I thought it would be impossible to get approved. I gave it a shot and it happened I left with my brand new M235 the same day. The issue I am having now is affording it, I agreed to pay {$1000.00} a month because I am an idiot and I completely regret the impulsive decision now. At this point I agreed to a vehicle surrender, still waiting on a call from an agent to schedule a time to pick up my vehicle. I will be filing a lawsuit due to the fact they approved me to begin with. I feel like there might have been an alteration on my credit application in order to get me approved, I will be trying to get a hard copy of that. I feel like I have been apart of some kind of financial scheme in order to get young and dumb people into any vehicle they desire.
|
| 09/05/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
BMW Financial reported my account 30 days late for XX/XX/XXXX to both XXXX and XXXX My payment was due XX/XX/XXXX and my account was paid on XX/XX/XXXX, which is NOT 30 days late. XX/XX/XXXX is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a direct debit payment. BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXX and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the XXXX
|
| 08/08/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
XXXX conducted a 3rd party lease end inspection to my car on X/XX/2017 at my place of work. The detailed report online 2 days later indicated {$0.00} in damage. When I returned the car to BMW they noticed modified suspension and charged me over {$2000.00}. How did XXXX not pick this up 45 days earlier? I was not the original owner of this lease, I assumed it from the original owner ( who failed to disclose the changes ). XXXX must be working with BMW because I Was charged for the inflated dealer labor and parts. When I tried to contact BMWFS they kicked me back to the dealer. When I called the dealer they told me to go to BMWFS. XXXX must be held accountable for some of this mess. If they do an inspection they must adhere to that and not go behind the customers back and change the inspection 45 days later. Why do the inspection in the first place? Or why would BMWFS sublet this out to such a terrible company and then not use the original inspection report???
|
| 10/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
A two month deferral was granted covering the months of XX/XX/XXXX and XX/XX/XXXX, billing info currently shows a payment due for XX/XX/XXXX I believe, the correct due date should show XX/XX/XXXX, due to two month deferral. I attempted to double check this info earlier this evening on XX/XX/18, the site showed an error message stating " Currently experiencing technical issues, please try again later ''. This message appears frequently when attempting to log in and it is not an issue with log in ID including password and or user name, it appears there is an ongoing issue with BMWF site when attempting to log in. I mentioned this issue to reps prior, one rep stated the issue happened before with other customers. I do not believe the log in issue has to do with account showing payment due for XX/XX/XXXX rather than correct date of XX/XX/XXXX, it appears to be a separate technical issue. However, the billing should be corrected to show correct due date.
|
| 09/05/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
BMW Financial reported my account 30 days late to XXXX XXXX XXXX for the month of XXXX XXXX. The payment was dueXX/XX/XXXX and was paid by me onXX/XX/XXXX, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment.
BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXXand the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customer and the research I 've done them affirms this as they have a " F '' rating with the BBB.
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I was shocked to learn that BMW reported me as late on my credit. I leased a vehicle from BMW at the end of XXXX.
The initial two payments were made at the dealership, and the first payment was due XX/XX/XXXX as I later found out. However, I didn't receive a billing statement for the month of XXXX, or XXXX I wasnt aware of the payment due date and thus made the payment 2 days late. Had I received the billing in a timely manner this wouldnt be an issue.
Please correct the negative reporting as BMW failed to send me the initial statement in a timely manner.
Over the years, I have leased several vehicles with BMW and have never been late.
The failure to send a billing statement in a timely manner is the reason why the payment was made 2 days late. Please correct the negative reporting as this is impacting my mortgage process. I stand to lose my down-payment of XXXX if I can not obtain a mortgage, which resulted in XXXX point drop on my credit.
|
| 01/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
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|
I have reached out to BMWFS several times via mail corresponds ( attached ). I want to start off my saying Im honored to be a part of the BMWFS family and would love to continue proving my loyalty to BMW by purchasing another vehicle.
Having said that i have been treated poorly by BMW and Im having an issue stomaching the idea of getting another vehicle with BMW after being treated poorly.
In the summer of 2019 i was in XXXX for an internship. I made a mistake i regret and take full responsibility for which is not setting my account on AUTOPAY. My payment was over 30 days late. BMWFS reached out to my emergency contact and he was able to take care of the balance in full.
Ever since this incident occurred i placed my account on autopay and have not missed a payment.
BMW wants to XXXX XXXX XXXX for making one mistake and paint my entire account as negative. Thats unjust and not fair. Im asking for a kind gesture. We all make mistakes.
|
| 09/05/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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BMW Financial reported my account 30 days late to XXXX XXXX XXXX for the month of XXXX 2017. The payment was due XX/XX/17 and was paid by me on XX/XX/17, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment.
BMW Financial has been nothing but a problem to me and my family. I was hit by a vehicle in XXXX 2017 and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the XXXX.
|
| 07/12/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
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Dealership : BMW of XXXX Date : XX/XX/2022 I went in to trade in my vehicle to purchase a new one. The dealership agreed to pay all remaining payments on my current vehicle and put me on a new one. The dealership paid for most the vehicle expect for a {$470.00} that stayed on my account until this day where I received a collection notice that the balance was never paid.
Keep in mind that I have been contacting the dealership for XXXX months with to check on the payment of the {$470.00} and every time they would tell me that the payment will take 1-2 week to clear but it never did because the payment was never made.
I have all the emails and communication with the dealership saved and can provide you in writing their false promises and failure to pay the balance.
Fast forward when I went to the dealership on XX/XX/2022, the sales manager basically informed me that they aren't willing to pay the balance and there is nothing they can do.
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Received notification from all three bureaus that my car payment was 30 days late for XX/XX/2023 when we are currently in XXXX and the payment is not due until XXXX XXXX. They have also reported me 30 days late for XXXX even though they received the payment on the XXXX day and not XXXX in which they continue to break the Credit reporting law that 30 days not 29.
Many customers are having this issue with this company as they are violating. They are reporting my account XXXX days late and it is incorrect and both BMW FINANCIAL AND XXXX, XXXX, XXXX IS XXXX TO CORRECT THE ISSUE.
DUE TO THE NATURAL DISASTER IN FLORIDA AND MY BUSINESS CLOSED I CALLED BMW IN WHCIH A REP STATES I COULD NOT GET A PAYMENT EXTENSION AND I HAVE UNTIL THE XXXX OF THE MONTH TO PAY AND NOT GO ON MY CREDIT AND I PAID THE XXXX.
PLEASE READ ALL THE COMPLAINTS AS THEY ARE DOING THIS TO THOUSANDS OF PEOPLE AND THEY ARE WRITING THAT THEY REPORT 29 DAYS WHICH IS ILLEGAL.
|
| 06/12/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have recently checked my credit report with XXXX XXXX, and XXXX and discovered that BMW Financial Services reported 30, 60, 90 days past due as of XXXX, XXXX, and XX/XX/2019. My credit report 's true and accurate creditworthiness has been damaged by BMW 's wrong reporting. I never had a single 30 days late payment on my BMW account since I leased my car. I've tried to resolve this issue many times in the last 8 months but BMW Financial Services does not act accordingly. I called BMW Financial Services and talked to different representatives who have verified that my account has never been late for 30 days. I've officially asked from BMW Financial Services to provide me with any kind of letter stating that I was never late on this account for the months of XXXX, XXXX, and XXXX of 2019. I also asked to report that information to the credit bureau agencies : XXXX XXXX, and XXXX. But BMW Financial Services refused to resolve this problem.
|
| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In XXXX 2021, I agreed to lease a vehicle through XXXX XXXX of XXXX GA where I authorized the dealership to pull my credit report for the purposes of fulfilling the lease agreement. The dealership had several issues with completing their end of the lease agreement and supplying a vehicle that was contractually agreed to. When they were unable to fulfill their end of the agreement with an existing vehicle, they had to order a new vehicle from the factory. Once the new vehicle was on the lot, I was preparing to go exchange vehicles and I received an alert that my credit report had been pulled again, this time WITHOUT my written or expressed consent. This happened today ( XXXX XXXX ). This is improper use and unauthorized access to my credit file. I explicitly expressed my concerns to the dealership and have received no response as of yet. I have notified them that I was filing an official complaint with the CFPB for this unlawful practice.
|
| 07/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Around XX/XX/XXXX I was contacted by BMW to defer my payments due to the impact of Hurricane Irma. I was allowed to defer up to 90 days with no issues. Everything reported fine XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX I paid in full all 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. BMWFS in XX/XX/XXXX reported me as late for 30 days. I've contacted BMW and they said that I never replied to the email so I wasn't in the program. The letter states that : 1. We have noted that you are in the area impacted by the storm.
2. We will not assess late fees for the next 90 days.
3. To contact IF I have any questions This does not state to contact to enroll in any program, also if I was not in any program then I should be 90 days late and BMW would've contacted me about my late status. None of this happened. I've contacted BMW and they said they would not help me and the reporting agencies only go back to BMW and use them as the source of truth.
|
| 01/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My account with BMW financial was reported late for the month of XX/XX/2019. This was my very last payment for my car loan. Before this late payment all previous payments was made 100 % on time. I contacted BMW to make payment arrangements for this payment. The representative assured me to make the payment by XXXX XXXX to avoid being late. I called in on XX/XX/2019 and made the total payment of {$1400.00} per stated by BMW rep. Unfortunately, BMW still reported the payment late stating that it should have been made on XXXX XX/XX/2019. This have damaged my husband and I credit score horribly. I was only following the directions that I was given setting up the payment arrangements. I wrote BMW a letter explaining this. My credit report was updated to current shortly after but only with XXXX the other two credit bureau company 's was not. I contacted the other bureaus and was told that BMW refuse to update to current for the month of XXXX.
|
| 12/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
XX/XX/XXXX BMW Financial Amount Owed and still reporting on Credit {$12000.00} This Debt was a joint debt with my Ex-wife which this vehicle was awarded to her in the divorce that made her solely responsible for the vehicle. She then let the car get repossessed and filed for chapter XXXX bankruptcy which she knowingly knew and her lawyer knew that she could not discharge this debt.
Please see Case In the Matter of XXXX & XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) ( The issue here is whether a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non-dischargable in bankruptcy, or whether the creditor must request the court not to discharge the debt. We conclude that since the passage of the Bankruptcy Abuse Prevention And Consumer Protection Act of XX/XX/XXXX. ( XXXX ), XXXX. XXXX XXXX ( codified as amended at 11 U.S.C. 523 ( XX/XX/XXXX ), a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non dischargable in chapter XXXX bankruptcy )
|
| 11/21/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In XXXX of XXXX, my leased XXXX XXXX was totaled in an accident. My insurance company XXXX paid off the vehicle 's balance as part of my settlement and I understood my loan as being closed. I was not aware that the property tax for the vehicle would be added to my lease account " Balance '' 4 months after the car was paid off.
Fast forward to XX/XX/XXXX, I was hit with a " collections '' account on my credit report for an unpaid balance on my BMW lease. When I reached out to BMW financial asking why I was never notified about this unpaid balance, they said they tried for a year to reach out to me and the balance was moved to collections. I never received a single phone call, letter or notification that I still had a balance on the vehicle after XXXX paid off the loan. When I asked them if they will remove the collections report on my credit report if I pay off the balance, they said they can't because its against company policy.
|
| 03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
It has been a battle going through this and I am writing to delete this fraudulent information from my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged BMW FINANCIAL SERVICES showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible.
BMW FINANCIAL SERVICES XXXX
|
| 09/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX, I applied for auto financing from XXXX of XXXX XXXX. I received my approval and I do see the Hard Inquiry on my credit reports. Unfortunately, I received a second Hard Inquiry from XXXX XXXX XXXX Via XXXX of XXXX XXXX. This looks to be a duplicate Hard Inquiry made by the same company under another ( though similar ) business name. I do not know why or who issued it. This is a duplicate hard inquiry and damaging to my credit. I also received a third Hard Inquiry from BMW Financial Services. That is a total of three hard inquiries for a single auto loan from a single dealership. On XX/XX/XXXX, I received more Hard inquires from XXXX XXXX XXXX via XXXX XXXX XXXX on my XXXX credit report. On XX/XX/XXXX, I received additional HARD inquiries from XXXX of XXXX XXXX. Again, I do not recognize XXXX XXXX XXXX via XXXX of XXXX XXXX. By mail, I have disputed duplicate and redundant hard inquires with all three credit bureaus.
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
BMW Financial Services, Account # XXXX, has violated my rights.
15 USC 1681 section 602 A. States I have the right to privacy.
15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently pulled my XXXX Credit Report and there are XXXX listed accounts that are fraud off of my credit report and reporting negatively and fruadulently. I have never held any services or received any good from the listed creditors ; *BMW Financial Services- ( XXXX Acccount # XXXX ) This account was opened in fraud by someone who used my personal information to obtain. I have been going back and forth with bureau to get any identifying information on this fraudulent auto loan. ( Names, dates, signatures, payment accounts, addresses, etc.
XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) This account was also opened in fraud.
I have filed identity theft forms, and also police reports, I can not take it to the next level of legal/ court standpoint because the credit bureaus will not furnish me with any identifying information on these fraudulent debts in my name.
When these account were opened I was living in XXXX XXXX, MO
|
| 09/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off the vehicle on XX/XX/XXXX. The state of Maryland requires the lien release to be submitted with in 5 days receiving full payment. BMW Financial Services refuses to provide the lien release SUMMARY OF LIEN RELEASE REQUIREMENTS The Maryland Department of Transportation Motor Vehicle Administration ( MDOT MVA ) is informing lien holders that, as of XX/XX/XXXX, all lien holders and dealers who offer the service of financing motor vehicle liens, and engage in the business or practice of financing motor vehicles, are required to : Electronically submit their lien releases to the MDOT MVA, through their selected XXXX XXXX XXXX ( XXXX ) vendor, within 5 business days of receiving full payment for a motor vehicle lien, and If a lien holder/dealer meets the above qualifications and is not already a participant of XXXX, they need to contract with one of the specified vendors listed below for XXXX in Maryland before XX/XX/XXXX.
|
| 11/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
BMW FINANCIAL IS REPORTING A CHARGE OF ON MY CREDIT REPORT AND AGRESSIVELY ATTEMPTING TO COLLECT DEBT ON THE VEHICLE THAT i RETURENED BACK IN 2011 AND WAS TOLD THAT NO BALANCE WAS DUE FROM ME DUE TO THE FACT THAT THEY WERE XXXX TO RESELL THE CAR AND I PAID ALL THAT WAS DUE FROM ME TO CLOSE THAT ACCOUNT. SEVERAL YEARS LATER I DISCOVERED THAT MY CREDIT REPORT HAS A CHARGE OFF FROM BMW FINANCIAL FOR {$6700.00}. I CONTACTED BMW AND AFTER 7 MONTHS OF CALLING AND WRITING TO THEM ( i DO HAVE A PROOF OF MAIL SERVICE TO BMW ) THEY FINALLY RESPONDED WITH THE LETTER STATING THAT I STILL OWED THEM {$790.00}. HOWEVER WHEN I CALLED TO PAY I WAS DEMANDED {$6700.00} AND THEY DID NOT AKNOWLEDGE THE LETTER ... THIS HAS BEEN DAMAGING MY CREDIT FOR YEARS AND I STRONGLY BELIEVE THAT BMW HAS VIOLATED FAIR CREDIT REPORTING AND FAIR CREDIT COLLECTIONS ACT. I 'M HAPPY TO SUPPLY ANY AND ALL SUPPORTING DOCUMENTATIONS AS NEEDED IN THIS LEGAL PROCEEDINGS
|
| 10/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
The payments on my loan are supposed to be slightly lower as I was supposed to have an additional XXXX down, the sales manager at the dealership was trying to pocket the money for himself so was unable to do so. I purchased the vehicle on XXXX XXXX, the sales manager said I was putting a total of XXXX down but would only show XXXX and to give him the XXXX difference in cash. I realize this is not an error on end of BMW Financial, however, they should be willing to adjust payment amount if I can put the additional XXXX down as planned. Complaints have been filed directly against dealership, BMW of XXXX XXXX, directly however, not resolved. The XXXX ( XXXX ) has a complaint against them. The sales manager, XXXX, is a very shay individual and was trying to get me to give him XXXX in cash for his pocket and told me not to tell anyone as we 're supposedly " blood brothers ''. My intent was to put XXXX down towards the loan payment
|
| 02/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XX/XX/2022, I consumer, XXXX XXXX, went into XXXX BMW, to enter into a consumer credit transaction. The business manager, XXXX XXXX, stated he did not know what a consumer credit transaction was. I explained to him what it was and he then asked me how would he get paid for the vehicle. I explained to him he would get the money for the vehicle. He acted like he still didn't know, so I asked for a buyers order to take to a bank to enter into a consumer credit transaction. I went to XXXX XXXX, in which they stated they only do auto loans, which is a violation of 12 CFR 1431, because banks can not issue loans nor extend credit. The following day, I was attempting to extend credit through BMW Financial Services, and was denied the extension of my own credit. XXXX XXXX, stated BMW XXXX XXXX required the consumer to have a minimum score of XXXX, although there is not a law that states a consumer must have a minimum credit score.
|
| 05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX BMW Financial Services/XXXX , Ohio- I filed a dispute based on my car loan being reported as 30 days late numerous times after I had obtained an extension on my loan. My vehicle was paid off in XX/XX/XXXX.
XXXX BMW Financial services retaliated against me by reporting me again to XX/XX/XXXXCredit bureau based on my dispute.
XXXX I called BMW Financial services, to ask them why they reported me again as delinquent, when my car was paid off in XXXX. They stated that since they had to correct the information on my report, they did another review. On further review this was not correct, so they had to report me again. I understand that during these difficult times customers are unable to pay their car loans, but I find it very egregious of BMW to do this, what would be the point of this kind of behavior towards a customer that had paid her car loan completely. To date, BMW has not agreed to correct this misinformation.
|
| 02/17/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Auto pay was supposed to be paused for this month, I spoke with two BMWF reps previously on different occasions, both stated auto pay was or supposed to be paused for this month and next month, continuing for the month of XXXX. However, a payment in the amount of XXXX was taken out today, XXXX, which caused me an overdraft fee in the amount of XXXX and was paid. The item was placed in dispute since I was told auto pay was paused previously, as stated before. The item is overdrawing my account and needs to be credited back, hence the dispute. I am paid up until XXXX, even without payment posting.. A rep by the name of XXXX stated he could look into crediting any fees associated with the payment taken from my account, the attach screen shot shows the two overdraft fees pending currently, in the amount of XXXX total, labeled at debit card authorization. I need XXXX credited back ASAP as well as payment in the amount of XXXX.
|
| 08/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have been left as a victim of identity theft. Someone has been using my ID/Social/Drivers license to take out loans and credit cards. I have been trying desperately to let these companies know about my situation but there is XXXX company that refuses to take any of my claims seriously. I was traveling around the world as a drummer for my band for a little over a year. Someone that looks like me was using my identity and my home to commit fraud. Alphera Financial Services was XXXX targeted lender. They granted this thief an auto loan in my name and refuse to send me any proof of their investigation. They do not accept my calls since I ask I record them as well as I will not speak to them on a recorded line if they can not grant me the same privilege. They will not send me proof through mail. I can not get this company to mail me proof or speak to me. This company MUST adhere to FCRA and send me the proof I am requesting!
|
| 07/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I had a XXXX BMW and due to all my expenses and paycuts I had to file bankruptcy. I spoke to them in XXXX XXXX about this. On XXXX XXXX/XXXX/XXXX my Bankruptcy was filed with the XXXX XXXX XXXX Court. On XXXX/XXXX/XXXX in disregard and violation of the Bankruptcy Protection they repossessed my car. I told my attorney. On XXXX/XXXX/XXXX my Chapter XXXX bankruptcy was discharged. BMW reported late payments in XXXX, XXXX, XXXX, XXXX XXXX in violation of the bankruptcy injunction with all XXXX credit bureaus XXXX. I was under bankruptcy chapter XXXX Protection and they proceeded with their collection activities. BMW has refused to correct my credit report history with the 3 Credit Bureau. This applies to both myself and my husband XXXX XXXX that filed separately. He filed on XXXX and discharge is scheduled XX/XX/XXXX.They should be showing the balance as -XXXX- and they are not in an attempt to collect on a discharged debt.
|
| 08/30/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I leased a XXXX XXXX XXXX on XXXX XXXX, 2017 that requires payments to be made for {$1700.00} for 36 months.
The dealer who sold me the car lied to us about tire and wheel coverage and when presented with the facts agreed to refund the cost of the policy in the amount {$1900.00}.
They would not issue me a check directly but sent the money to BMW Financial who promptly posted it as a credit to my account. They produced a statement reflecting that i would owe nothing for the month of XX/XX/XXXX and had a rollover credit of {$260.00} for the next month.
Regardless they still took a payment of {$1700.00} on XX/XX/XXXX Their explanation to me was the billing system and the auto-pay system do not talk to each other. I control neither system, they are XXXX 's systems.
These two systems ought to speak to one another to avoid this and the potential O/D charges and credit report impact that their outdated systems create.
|
| 04/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
i was incarcerated when this account was open this fraud representative claimed i forged a police report through XXXX police that was filed and XXXX police, you can confirm that both identity theft police reports where not forged and are accurate, i was in federal custody when this account was opened and there failing to remove these accounts, by bureau of prison inmate number as XXXX and i was incarcerated from XXXX/XXXX/2010 for XXXX months and they can confirm this online and are refusing to do so, they can confirm this info through XXXX and wont do so and say they verified this account as mind and its NOT mind. I was at FCC XXXX XXXX at the time this account was opened no way i could have opened this account and you being the government can confirm both police reports in both cities and can easily verify where i was when this account was opened under my name, there violation my rights under the FCRA and FCBA
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
BMW has violated my consumer rights.
Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. This company has discloused payment history to a third party which is XXXX and XXXX and I never gave consent to BMW Financial to disclose any of our transactions to a third party. They continue to violate my consumer rights and break the law according to the FCRA THIS IS ILLEGAL! This has caused XXXX and I have considered taking my life because BMW has caused me great distress in disclosing my transactions illegally to these third parties! Please enforce them to abide by the law that protects my consumer rights.
THE LAW -- -- -> UNDER 15 US CODE 1681 A ( 2 ) ( B ) Exclusions from a consumer Report this account is in violation any credit transaction supposed to be excluded from a consumer report, if a social security card was used in the transaction.
|
| 12/13/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
XX/XX/XXXX Entered into 36 month lease with BMW financial Paid {$2500.00} upfront Paid 14 payments to BMW financial at $ XXXX Paid car insurance for the BMW Paid title fees for the BMW XX/XX/XXXX BMW totaled XX/XX/XXXX BMW notified my lease terminated payoff of my lease with BMW good thru XX/XX/XXXX {$40000.00} Payout from my insurance {$46000.00} BMW is keeping the difference of the payoff and amount my insurance paid, because " they own the car. '' Offered 50 % of overage of insurance paid in " loyalty awards '' IF I buy/qualify for a new BMW. Giving me my insurance money and calling it loyalty awards. It's not awards when my insurance paid them.
I made 14 payments of {$720.00}, {$2500.00} upfront, {$6100.00} overage from my insurance and a pay out amount of {$46000.00} for a loan payoff of {$40000.00}. They also state I owe them the XXXX payment plus my {$1000.00} deductible to pay my insurance company.
|
| 04/13/2017 |
No |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
Servicemember |
|
I " leased '' a vehicle from BMW XXXX under the owner 's choice option. They told me that I would be able to get out of it if I received XXXX location and they equated it to a lease, but a better option for tax purposes. Now that I have said orders, they are telling me that the SCRA does not apply since the vehicle is not a true lease, but a " blue loan. '' This program is bad for military members in Texas and, I believe, is being used to circumvent the SCRA by trapping military members in a contract that is sold as a lease, but is not a lease. This is a financial burden on my family and is an additional stressor as I prepare to leave my home for a year. BMW XXXX offered to buy back the car, however I would take a {$5000.00} loss. They also offered to take both my, and my wife 's car, in exchange for a new lease, but they would roll negative equity into the lease and I would again take a {$5000.00} loss.
|
| 02/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX in XXXX. I purchased at least {$12000.00} worth of add on services like extended warranty, rim replacement, dings and dents, etc.
My car was hit and totaled on XX/XX/XXXX. I have never made a claim against any of the additional services that I purchased. The car is paid off.
I reached out to XXXX XXXX in XXXX, GA who failed to file the paperwork. 8 weeks later, I reached out again but no one will take my call or return my calls. I tried to contact BMW corporate but they will not assist, because I requested that they verify me with information other than the last 4 of my social security number. I gave the last 7 of the VIN, the number i called from was verified by the automated system, I would give my address.
The number and address of XXXX XXXX are as follows : XXXX XXXX XXXX XXXX, GA. XXXX ( XXXX ) XXXX.
The people with whom I spoke there are XXXX XXXX and XXXX XXXX
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| 08/18/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I returned my mini cooper XXXX on XXXX/XXXX/XXXX and was recently contacted by MINI that upon my lease end inspection I owe a staggering amount of money. They charge a flat fee of {$750.00} for having the service light on even though I took my car in for its annual service and was only within XXXX miles of needing service. I did not even know the service was due having had gone into the digital menu to check. They charged me {$950.00} for external " hail damage '' to my car, the pictures that were provided do not clearly show the " damage ''. Since getting my yearly inspection I would think my tire tread would have been checked and replaced if not having met requirements but instead they charged me {$200.00} because my tire tread was not thick enough, even though I was significantly under my mileage requirements. I believe I am overpaying and will have a hard time affording this extra monthly bill.
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| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/22 by way of Certified U.S. Mail XXXX XXXX I sent a letter to BMW advising of inaccurate information being reported about a leased vehicle account. Prior to reaching out to BMW, on XX/XX/22 I disputed the information with the credit bureaus advising that the information being reported was inaccurate and casing damage to my creditworthiness. Specifically, BMW is reported that my account has a " high credit limit '' of {$16000.00} -- this is not true and this number does not reflect any balance or limit associated with this account. Secondly, BMW reports that I owe a balance of {$3400.00} that is being paid off at $ XXXX. This information is totally inaccurate. I do not owe a balance on the lease because I bought out the lease and I now own the car. I have never had a {$36.00} payment. The entire account as reported is inaccurate and BMW refuses to correct what is a clear and obvious error.
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| 06/16/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I am having problems with BMW financial with my loan. At first I requested for a date change and they messed up and made me pay an extra payment. At that point I requested for the change to be placed back. I then went and made a payment on the account. Apparently the last XXXX digits to the account were transposed and they were not able to collect the payment from my XXXX XXXX account. At this point I noticed that my credit beurea reflected a late payment. I called BMW financial and spoke to them and verified the last XXXX digits of the account. When I realized the last XXXX numbers were transposed I made a pay ment for what was behind and I also paid a month in advance. They are not working with me on this as they can clearly see it was a transposed number and as soon as it was fixed the payment went through. They are not being helpful and there customer service agents are very rude.
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| 11/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have never missed a payment and have always paid before the next payment was due. There is no where on the statement that states BMW reports on a rolling 30 day reporting.
XX/XX/2019 was paid XX/XX/2019 XX/XX/2019 was paid XX/XX/2019 I was reported 30 days late for my XX/XX/2019 auto payment on XX/XX/2019 and I couldn't understand what happened. I disputed it and it came back no change. On XX/XX/2019 paying my XX/XX/2019 and was told that I was already reported to the credit bureau as being late because they reported on a rolling 30 days and not month to month. I called back and spoke with another representative who told me the same thing and that I should read my statement and it states that BMW reports on a rolling. I read my statement and it doesn't read as such. I am disputing the two times late payments with BMW.
If they are reporting on a rolling 30 days it should clearly state such.
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| 09/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I was in contact with a salesman at XXXX XXXX XXXX about purchasing an XXXX. The salesman rushed me into submitting a pre approval application for cars that had been sold. I was never advised on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They went ahead and shared all my information to multiple banks. I see on my credit report 16 recent inquiries for auto financing companies without my consent. The guy called me saying theyre giving me a XXXX XXXX when that is not what I had originally agreed on. I have contacted bmw financial services at this dealer and no one has bothered to reach out to me about this fraudulent activity they have customers doing and lying About my employers. They sent me a package for a car I was never aware of submitting application for. I want any inquiries from XXXX and forward to be removed due to the misinformation that BMW has provided without my authorization.
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| 08/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act, BMW Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A states that I have right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 168b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Because of your inaccurate statement of my credit record, I am suffering damages including the inability to obtain credit. You have failed to comply with the law and must remove the items from my report immediately. If these late payments are not removed within 7 business days, I will have no choice but to report you to the Federal Trade Commission and advise them of your disregard for Consumer Protection laws.
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| 08/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have made numerous complaints to BMW Financial Services concerning the following account XXXX. BMW Financial has refused to accurately report the above mentioned tradelines on my XXXX Credit Report I requested to speak to a representative in the Credit Reporting and Bankruptcy Department and was told by XXXX in customer service that she couldnt transfer me to the anyone to speak to about my situation. I explained to her the way the account was being reported was incorrect. She said that it was acceptable to report the repossession status in conjunction with the bankruptcy. I informed her that the reporting was incorrect and that it was considered to be continued " collection '' activity and that it violated my rights under bankruptcy protection. I am demanding BMW Financial Services to delete this account or will escalate my case to the higher authority or pursue other legal remedy.
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| 04/12/2022 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/2022 I, XXXX XXXX XXXX sent communications to BMW FINANCIAL SERVICES XXXX XXXX certified mail # XXXX, it was delivered on XX/XX/2022 at XXXX. In my communication, I requested validation of debt pursuant to FDCPA XXXX XXXX Code XXXX ( g ). BMW FINANCIAL SERVICES did not respond to my communication pursuant to the above law, instead on XX/XX/2022 they sent out a computer generated letter, subject " CREDIT REPORTING ''. In my debt validation letter to BMW FINANCIAL SERVICES I listed the what was required to validate the debt pursuant to the law, BMW response was the dispute I submitted did not contain specific details or documentation demonstrating an error. I'm not sure if there's another version of XXXX XXXX XXXX XXXX ( g ) and its requirements for creditors. I am writing this complaint to get some resolution, because there's numerous violations associated with this account.
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| 10/20/2015 |
Yes |
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- Incorrect information on credit report
- Account status
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Web |
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Good Morning, I have disputed my pay history with both BMW Financial & all XXXX CRA 's. I 've asked BMW to correct their reporting of 30 day lates that are reporting on my credit. I 've included my pay history with BMW as you 'll see I have never been 30 days late. I have been 28 sometimes 29 days late but never 30 days. If you review the pay history in XXXX I have paid in the same fashion with no penalty to my credit history. My original due date was the the XXXX of each month, I leased the vehicle in XXXX/XXXX/XXXX as you can see from my pay history I have never had a payment post on the XXXX of any month. I had the payment date changed in XXXX of XXXX for the XXXX of each month, once again I never had a payment post on the XXXX. XXXX has me 30 days late on the XXXX & XXXX of the month when my payment would be 28 days late. Please review the documents thank you for help : - )
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| 02/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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There is a credit balance in the amount of XXXX on my BMW Financial Services account. This is due to an over-payment in the amount of XXXX which has been used for payments due until today, XX/XX/XXXX. I called today to request either a check or a credit off my next auto-payment due on XX/XX/XXXX in the amount of XXXX. The rep whom I do not have the name of, a woman, put me on hold then got back on the line and told me to adjust my next payment due in order to use credit. I requested a check and was again put on hold for an extended amount of time, she did not get back on the line. I hung up. She appeared to be new and or inept as she did not seem to know what shes doing, had to put me on hold each time I asked a question. I need a check for credit amount of XXXX. The original form of payment, a XXXX XXXX checking account, is no longer open and credits can not be issued to it.
|
| 07/16/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I terminated my lease 6 months early with BMW Financial Services by paying the remaining lease payment obligations, returning the car in excellent conditions with brand new run-flat tires and XXXX lower than allowed miles.
BMW accepted my payment and a month later sent me an {$850.00} invoice for two tires at {$300.00} each and interior miscellaneous charges not identified during the vehicle return inspection. They claim that the run-flat tires I installed in the vehicle, while new and " run-flats '' are not the OEM tires they use so I would get {$0.00} credit for the excellent condition / new run flats I installed. They also indicated I would not get any credit for the XXXX lower miles.
These charges are egregious and do not reflect the economic damage or loss BMW would suffer by accepting a car with lower than allowed milage and brand new run flat tires that are not OEM.
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| 11/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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A payment was scheduled on XX/XX/XXXX with XXXX at BMW Financial Services, at that time she did not state there is a notice of default going out, the rep I spoke with yesterday on XX/XX/XXXX, XXXX, stated a notice was sent out but I have not received it. He stated it was sent around or after I scheduled payment with XXXX, XXXX further stated full past due amount is due on XX/XX/XXXX to avoid repossession according to notice. A payment in the amount of XXXX is scheduled for XX/XX/XXXX, this is the payment scheduled on XX/XX/XXXX with XXXX. I scheduled an additional payment with XXXX on XX/XX/XXXX in the amount of XXXX for a future date of XX/XX/XXXX. However, the notice which I have not received states full past due amount is due by XX/XX/XXXX to avoid repossession as stated by XXXX. The earliest date I can cover past due amount is XX/XX/XXXX, I wish to avoid repossession.
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| 12/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I want to use the ~ $ 7k in equity on my BMWFS lease by selling to a 3rd party dealer ; I have two offers that are substantially higher than what the BMW dealer wants to offer. BMWFS is telling me that they don't allow 3rd Party purchases now because of the short supply of vehicles. I spoke to a rep today ( XXXX at XXXX at XXXXXXXX XXXX XXXX ), and she said the only daily to do this is to buy in my name, pay tax and then sell to 3rd party. It appears that this is being done to benefit the dealer at the harm of the consumer because the dealer is being unfair by offering a much lower offer for the trade. When I asked the dealer ( XXXX BMW ), they said no one else could buy but a BMW dealer. This is unfair and dishonest because BMW set a precedent in the past by allowing. Now they are stopping so dealers can make a higher profit at the expense of the consumer. Very dishonest
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| 01/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I recently attempted to refinance my BMW Financial Loan through XXXX themselves, which is an option they offer. They pass you off to another company, XXXX, which has horrible customer service. I did not hear back after several days, so I called XXXX to find out the status. They stated that BMW Financial denied the loan, as I have past due obligations to BMW Financial. They refused to provide any information, and referred me directly to BMW Financial. I do not have any Past Due Obligations to BMW Financial. I called BMW Financial, and they agreed that I do not have any Past Due Obligations, but refused to provide any more information on why my loan was declined, or to speak with someone in the department which handles approvals. I feel that BMW Financial needs to provide ACCURATE and thorough information if they are going to decline a loan, which they did not in this case.
|
| 06/20/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have written ALPHERA Financial Services twice regarding information being reported on my credit report by their company. The first letter was hand written. The second was typed to ensure Alphera would take my concerns more seriously. Each of the letters were sent thirty days a part. In Each request I asked that Alphera send me the legally required debt validation. They have REFUSED. When I received a reply back Alphera they told me that they would not be replying to my request and in one letter they even advised me not to reach back out to them. They have violated my rights and a number of laws. They have gone pass the legal required time to respond to my request, TWICE. i am demanding that they remove this unverifiable information from my credit report!! This company had thirty days to provided the requested information and they have failed to do so within sixty days.
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| 07/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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BMW Financial Services claims I owe XXXX I believe, amount might be incorrect. This amount is the difference from payoff received by XXXX, the insurance company for the party who totaled my vehicle which occurred on XXXX XXXX of this year. A GAP claim was filed, however, the claim was paid out with no benefits and do not know why. I advised both parties, XXXX and XXXX XXXX, one of them will need to pay out for this. However, more than likely, neither party paid. There is a case pending against XXXX for bodily injury due to accident and have advised attorney to add on the amount owed to BMW Financial Services as part of claim. This is a legal matter which I can not discuss, however, please advise BMW Financial Services I do not have amount owed as I have been helping my mother with her medical bills since accident, she was the driver of the vehicle at time of accident.
|
| 04/01/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I am XXXX and can not make car payments and mortgage payments and they are not willing to work with me. XXXX really is legal fraud at its finest. what constitutes the right for them to do this? they are so ashamed of it that the attachments I will forward you were all intentioanlly named the same in XXXX different emails to throw me off like I 'm stupid. bottom line purchased XXXX in XX/XX/2011 $ XXXX have already paid that in interest and fees. I STILL OWE $ XXXX!!! I asked for a refi and they said no so I can not afford it as I am in XXXX and XXXX. I put an ad to sell it and got numerous call for the current XXXX value at $ XXXX. CALLED THEM TO OFFER THAT TO THEM INSTEAD OF A REPO AND THEM GETTING LESS MONEY AT AN AUCTION AND THEY SAID NO! SO THEY HAVE THE RIGHT TO CHARGE $ XXXX FOR $ XXXX THEY ARE WORSE THAN PAYDAY LOANS. LIKE I SAID THEY ARE FRAUD AT ITS FINEST.
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| 03/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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|
Web |
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In late 2010 we opened a car loan account with BMW Financial after paying by mail for a number of months, we contacted customer service at BMW Financial to set up our auto-pay. They walked me through the process, i specifically asked if I need to make an interim payment and they said no. 33 Days later I just happened to check my account, because i had not seen money removed from my bank account. i contacted BMW directly and they said I was late 33 days and needed to pay for the missing payment during the transition period. They also said although it was technically beyond 30 days, that they would not report it as late due to the circumstances. I did not realize that they had reported it as late until months later after applying for a home loan. The account was paid off entirely and they have been unhelpful in my efforts to remove the erroneous report from my credit.
|
| 09/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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On my very first payment I attempted to send in, I had the account number off by a digit and did not realize it. I was not made aware of it until it was too late. I corrected it immediately. I own over 10 cars, literally I have more than 10 loan payments every month that i keep up with. I understand this is NOT BMW financial 's fault, so i wrote a letter and just asked for forgiveness for this one misstep. Since then have I made every single payment on time as promised and will continue to do so until the vehicle is paid off.
I know they will tell me that they are required to report accurate information to the credit bureau, but i also know there is a way they can forgiveness if they choose to help me out. I have seen it done in the past and i have a perfect payment history other than that first blunder and will keep it this way. I am just begging for forgiveness.
|
| 11/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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This is a complaint against XXXX BMW. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
|
| 07/18/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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This account is being illegally reported on my credit report. I formally disputed it directly with BMW in regards to their illegal reporting, and have not received any satisfactory reply.
After the car was sold, the lender was required to send out a second notice, stating the amount that they credited from the resale, as well as a cancellation notice of the original sales contract. I was never mailed that second notice.
I contacted BMW in writing on XX/XX/XXXX advising that I have not received notification regarding the sale that was to take place near XX/XX/XXXX. I returned the car to the lender on XX/XX/XXXX. I received the notification of sell date XX/XX/XXXX and nothing afterwards until I reached out and sent my communication on XX/XX/XXXX.
I contacted BMW prior to returning and advised that I would purchase the truck. They advised XXXX for the purchase.
|
| 05/25/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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This is a very simple complaint. When I began struggling financially BMW called wanting me to pay them or give them the vehicle. They even told me if I let them take the vehicle and it sells for more than what I owed or I paid the deficiency off, They would delete the entry from my credit report. After hearing that I let BMW repossess the vehicle. I do see on my credit report BMW has a {$0.00} balance but that isn't the point. One, they never sent me a letter showing what the vehicle sold for. Two, I can still see it on my credit report even though they promised a deletion. Three, when I call BMW regarding the situation, they tell me I can't speak to a manager and they don't escalate calls.
Bottom line is they need to delete this from my credit report as promised. If not, then they need to give me a disposition of vehicle. For all I know, they owe me money.
|
| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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I am writing this letter to dispute my late payment on my XXXX, XXXX, XXXX credit reporting on XX/XX/XXXX with BMW financial service for XXXX days late. I made a payment of {$950.00} from my XXXX XXXX XXXXXXXX bank account on XX/XX/XXXX, in which it shows posted and taking out on the XX/XX/XXXX of my account on my bank statement that is attached below. The payment was posted and within XXXX days before reporting to credit bureaus. I spoke with a BMW XXXX customer service representative on XX/XX/XXXX on a recorded line and he said my payment post on their end on XX/XX/XXXX, which he said is within the XXXX days as well but said its a automated system error and they dont have control over it and I will have to explain and put it in writing with proof. I have never had any issues of any negative reporting/marks on my credit report and do not plan in the future.
|
| 10/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
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Thank you for the opportunity to discuss my account with you. As you know my most recent credit report with [ XXXX, XXXX, XXXX ], contains late payments reported on my XXXX XXXX.
I have an excellent repayment record with your bank. I appreciate the credit you have granted to me and understand my obligations. I missed the payment ( s ) due to loss of income, medical emergency, move and since then, I have a new job and been on time for more than three years. As you can see, since then, Ive also had a spotless record of on-time payments.
My credit is very important to me, and I would like to maintain a spotless record. I would like to ask that you remove that late payment history as a one-time courtesy. Im planning to apply for [ a mortgage/auto loan/etc. ], and its come to my attention that the missed payment on my record could hurt my ability to qualify.
|
| 09/09/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, and I've talked to several BMW financial representatives where they mentioned that they've received the automatic payment from me month over month, but apparently there were extra charges that I was not made aware of excise taxes that was not calculated correctly. For my understanding, when I signed the contract for monthly payment, the F & I at the dealership made me believe that the monthly payment included the extra fees and excise taxes. Plus there are several inaccuracies with the credit bureaus. How is it possible that one credit agency is reporting no late that specific month and other shown error. Please update all those late payments to show on-time never late.
|
| 04/10/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
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I leased a XXXX XXXX XXXX on XX/XX/XXXX. My lease expired XX/XX/XXXX. I returned the vehicle to a XXXX XXXX XXXX representative in good condition. i have pictures and video of my vehicle with the rep in the video confirming the car is in good condition. I also took my car to XXXX XXXX in XXXX XXXX, CA XX/XX/XXXX for a check engine light problem. They kept the car for a few days and they said everything was fixed. I have a copy of the invoice. Today i received a {$440.00} invoice from BMW Financial claiming the vehicle had problems. on XX/XX/XXXX I called BMW Financials at XXXX. I was on hold for 2 hours and finally i spoke to XXXX explaining my situation. she could not help me so i was transferred to a supervisor and he could not help me either. They claim that the car has mechanical problems and i have to pay {$440.00}.
Please help me solving this issue.
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMW FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMW FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
While reviewing my XXXX AND XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by BMW FIN SVC on XXXX/XXXX/2015. I did not authorize any employee of BMW FIN SVC to review my records for any purpose at any time. Further, I personally contacted BMW and requested that this adverse information be deleted from my report and/or provide me with any verifiable documents signed by me authorizing them to review my reports within 5 business days. T o this extent, BMW FIN SVC disregarded my request in clear violation of my civil rights under FCRA and PRIVACY RIGHTS Act. As a direct result, I have continued to suffer irreparable economic loss including but not limited to my inability to secure meaningful employment, housing and/or obtain new credit, due in large part to the gross negligence of the BMW FIN SVC employees acts and omission.
|
| 07/23/2023 |
No |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
BMW Financial Services is refusing to take a payment for the lease in full as vehicle needs end of lease and I have decided to purchase vehicle. BMW Financial wont take a check unless through a captive dealership or directly from me. Now not only have I thought the vehicle was fully funded as I was told my new loan funded so I put new brakes and rotors on vehicle costing over {$700.00} but I am liable for both the lease payments and the new loan payment which hasnt even funded the vehicle as BMW refused the check from XXXX XXXX. This is a monopoly forcing me to purchase and pay more for vehicle through their dealership than using a third party to purchase the vehicle. Now I am out money there I should not be having to pay. Nothing in my original lease agreement. States that I must purchase a vehicle through a captive are authorized to BMW dealership.
|
| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time yet there was a 30-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report on XXXX ; this should have been investigated and corrected immediately. I tried contacting the XXXX, XXXX and XXXX requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
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| 09/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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BMW HAS BEEN MISMANAGING MY CONTRACTED CAR LOAN FROM XXXX XXXX XX/XX/XXXX. I HAVE MADE ALL CONTRACTED CAR LOAN PAYMENTS. BMW HAS REPORTED ME 30 DAYS + LATE FOR OVER 2 YEARS TO PRESENT ON PAYMENTS. MY RECENT/ CURRENT CAR PAYMENT WAS ON XXXX XXXX MADE TO BMW , BMW IS NOT SHOWING ANY PAYMENT MADE FOR ANY MONTHS OF THIS YEAR, AND LAST YEAR. MY BALANCE DOES NOT REFLECT A TRUE BALANCE. ( XXXX. ) MY MONTHLY PAYMENTS ARE XXXX DUE ON THE XXXX OF EACH MONTH, I HAVE ALWAYS PAID $ XXXX MY CONTRACTED PAYMENT ( XXXX ). XXXX HAS ADDED AND ADDING FEES, AND MORE FEES. TOWARD THE END OF THIS LOAN, ( XX/XX/XXXX ) BMW ROBOTS CALLS US, MY HUSBAND, AND I EVERY DAY STARTING AT XXXX TO XXXX XXXX, I HAVE CALLED, SENT REGISTERED MAIL, TO ALL THE COMPANY 'S, INCLUDING THE CEO IN XXXX, I HAVE MADE NUMEROUS OF COMPLAINTS TO THE CREDIT AGENCY.BMW HAS BEEN TARGETING MY/OUR CREDIT,
|
| 03/12/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Servicemember |
|
XXXX XXXX.
36 month lease on a XXXX XXXX XXXX. End of lease XX/XX/XXXX. Lease paid on time every month {$920.00} 33 installments all on time. Vehicle was turned in with 2 key fobs end of lease fee was paid {$330.00} even with an initial payment of over 5k. Vehicle was also turned in with an upgraded wheel including OEM 20 '' tires and TPMS. BMW Financial did not close out the lease in addition tacked on another {$900.00} in unknown fees. Several disputes have been filed with the credit bureaus. I even went to XXXX XXXX XXXX XXXX, NJ directly to resolve the problem to which they said on numerous occasions it will be fixed. Then XXXX of XXXX sold the vehicle at auction with the more expensive wheels and tires I Paid for and I was not reimbursed. They still several months later have no provided me with any documentation on what the extra fees are.
|
| 08/07/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
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I turned in my vehicle to XXXX XXXX in XXXX XXXX in early XX/XX/2019. It is now early XX/XX/2019 and I have still not received my security deposit. I contacted BMW Financial in XX/XX/XXXX and they said I would have my money within 15 business days. I did not receive my money. I have contacted BMW Financial Services and they will not refund my money until the wear and tear has been claimed and paid off by the dealership. The dealership did not upload pictures of the wear and tear at the time I turned in the car and the third party insurance company will not pay out the wear and tear until they have these pictures. I have demanded that they issue my refund and collect the money on their own time but refuse to do so. I have asked for compensation for the time I have waited and the phone calls I have made to get this money back but they have refused.
|
| 09/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
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My loan account with BMWF is now current, it was past due and late charges totaling the amount of {$110.00} were added to it during the time the account became delinquent. I was facing a hardship and have now brought the account current, the next payment is due on XX/XX/28. I am without a phone and have been sending secure messages to BMWF in regard to payment ( s ), the last message requested a credit in late charges which are quite high, {$110.00} total if I am correct. I requested a full or partial credit in fees and was denied, the rep referred to a one time credit in the past of a late fee, which I do not recall the rep stating it was a one time credit at the time. In fact, I am quite positive the rep did not state the credit is one time. I request a partial, if not full refund of late fees since I am now currently paid up until XX/XX/28.
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| 03/21/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
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I had previously filed a complaint regarding BMW Financial and my car loan. Although they provided an accounting record and a copy of the contract, it was never made clear at any point that the deferred payments would be due in a lump sum. The terms at the end of the loan were not clear and fine print language that was never explained. The terms were not explained to me when I was offered the opportunity to defer the payments. While I was awaiting a response and reaching out to BMW in response to a letter from them, when I called I was told that my account had been charged off-while I was awaiting a response to my complaint. My credit had been further damage and my loan charged off, while I was told BMW was researching and would contact me.
In addition, my balance due amount has drastically increased and I am concerned as to that calculation.
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report.
Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me.
Please fix the listed account : BMW FIN SVC XXXX Balance : {$5300.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
|
| 06/25/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Servicemember |
|
I have had to file multiple complaints with this unethical organization.
The last complaint XXXX was closed from communicatio on XX/XX/XXXX which stated they would respond to arbitration such as is my right in the contract ( similar to my right to being informed of lease end charges and having the chance to rectify before they are charged ). They did not honor that part of the contract, nor to respond to Arbitration. Attached is the notice from the Arbitrator stating BMW financial did NOT respond.
XX/XX/XXXX I received A COLLECTION notice from XXXX from First Source Advantage - using unethical tactics stating that I owed the money and they will chase me it didnt matter that the matter was pending arbitration.
I have included a copy from the arbitrator proving BMW did not respond similar to my multiple requests to get this resolved.
|
| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
l am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number BMW Financial services XXXX. In XXXX of XXXX BMW Financial illegally repossessed a vehicle I had with them. BMW then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of {$35000.00} and I should have been due some amount of equity returned from the sale.
|
| 05/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
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I applied wit h BMW for a l ease and loan. My XXXX and XXXX reports were frozen due to fraud. I have a XXXX FiCO on XXXX . They pulled this score twice in one day sta ting it was not the score fico or XXXX was reporting. Come to find out they were using XXXX XXXX ... then the lender demanded I unfreeze my XXXX or I would not be consider at all. This was after I have dr iven 10 hrs a nd mislead that I have already been approved and everything was situated. I was mistreated and feel as I was discriminated against in regards to my score being devalued and not honored fete being pulled. The finance manager treated me like a second class citizen and made clear he had deals he had to do. Furthermore it was said BMW w ould not approve anyone off a XXXX score and after speaking to several other dealers this was false.
|
| 08/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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While reviewing my credit reports from the credit bureaus due to the recent identity theft issue, I discovered that there was one hard inquiry from BMW Financial services on XX/XX/2023.
Someone stole my identity and purchased a car from an dealer with fraudulent transactions on XX/XX/2023 and the hard inquiry on XX/XX/XXXX XXXX be related to this fraudulent deal.
I contacted BMW Financial services for the details on XXXX XXXX & XXXX for XX/XX/XXXX hard inquiry but the fraud department was not reachable.
I filed the identity theft case with FTC ( IdentityTheft.gov ) for identity theft event on XXXX XXXX, XXXX. I filed a police report with XXXX XXXX XXXX XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX.
The hard inquiry submitted on XX/XX/2023 is clearly fraudulent which I do not recognize.
|
| 08/03/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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|
BMW claims I did not submit my deffered payment application on time which is not true. The application process is extremely difficult and confusing to the average user my contact with them were multiple and we'll documented I am seeking a fair review of my original application and would appreciate your assistance on this very matter. My contacts with BMW include but are not limited to the following.
XX/XX/XXXX- XXXX approx at noon XX/XX/XXXX XXXX `` '' XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I spoke with an employee they were unable to assist me I was calling to inform them that their portal was not functioning correctly and I require immediate assistance no fault of my own I was unable to successfully submit the required paperwork through the portal on the BMW app due to the state of their portal functionality.
|
| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In accordance with the fair credit Reporting 62 act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph instructions.
15 U.S. Code 1681a - Definitions ; rules of alre construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 04/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
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I called this compa
ny Bmw financial services llc to Lower my monthly payment and renegotiate the payment plan, but its all show and no play. i told the agent that I am facing hardship due to coronavirus and all they did is send me this deferment plan of two months charging me a finance charge of {$130.00} over the age of the loan. this is a greedy and a third class company who has written on their website that they are going to help its customers but in realty doing nothing and just providing fake public empathy. I received two emails from BMW showing their fake empathy towards me that they are with the people in this testing time of Corona virus and epidemic but it is all false, they are just greedy about making money
and all their statements are false. So please don't get carried away by their spineless snarky statements.
|
| 12/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Received a letter from BMW Financial dated XXXXXX/XX/2022. Demanding {$16000.00}. Under Title 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts.
My vehicle was Repossessed and BMW Charged off the amount due as income.
Notice, it is a fact, there was a repossession, that I, the affiant have proof of in Attached letter from BMW Financials which is a DIRECT violation of 15 U.S. Code 1692e ( 4 ) and was fraud and illegal in the collection of any debt. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution.
I for a fact know that my credit financed the entire amount of loan and per SEC documents attached will show the assignment information needed to assign the not under the Security and Exchange Act.
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| 01/26/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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|
Payment was mailed on or around XXXX, check number XXXX in the amount of XXXX to BMW Financial Services. This is for XXXX XXXX loan account, now closed, vehicle totaled on XXXX XXXX XXXX. As of today, XXXX, check has not been cashed or returned back to me. Please note, XXXX is a settlement amount good until XXXX and if payment is missing I will need an extension to allow more time to make another payment. The check was sent to address provided to me by BMW Financial Services rep, do not have her name available to me. Due to a cease and desist on the account, reps are not able to confirm receipt of payment or discuss anything else on account. Please advise BMWF to check their records for payment, if received or not, return it if there is a problem. Also, I will need an extension to resend payment if deemed missing.
|
| 09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To whom it may concern, I have been a loyal BMW owner for nearly two decades. I am now trying to buy a house and my lender informed me that there are a few late issues being reported on my credit by BMW that is severely impacting my loan rates. I basically live on an airplane for work and consistently use the automated system to pay my bills not only for the current month, but more often than not for the upcoming month in order to avoid situations like this. I was not notified by any person that there was a detrimental lag in payment. It appears that I have 3 different 30 day 'late ' considerations and one 90 day 'late ' reported. Even throughout Covid I never asked for any of these to be removed when you couldn't get a hold of a representative most likely due to poor staffing and I used their automated system.
|
| 05/30/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Report Number XXXX BMW Financial Services There is an account from BMW Financial Services on my credit report. I have continuously tried to dispute this account with XXXX. Each time they continue to verify the account and keep it on my credit report. I have spoken with BMW Financial Services a number of times and they are not able to find an account for me. It is hard to fix this, because XXXX is able to verify an account that I am not able to verify with the original creditor.
When I call BMW Financial Services and give them the account number, they inform me they are not able to find my information on the account that XXXX is reporting. Most notably, the Social Security Number is different, along with the address.
My credit file has in the past become confused with somebody else. XXXX needs to fix this.
|
| 07/06/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I made a {$7000.00} payment on XX/XX/2021 to BMW Financial Services and trying to pay off my leased car. The pay off quote as of XX/XX/2021 was {$42000.00} and after the payment of the {$7000.00} I waited 3 days and the online account shows the payment was received and account has a negative balance - {$7800.00} but it shows the pay off quote is {$42000.00}. I have called BMW financial services 5 times and they keep running me around and not helping to correct the pay off balance and they are refusing to give me credit for my {$7000.00} payment and give me a correct pay off quote in writing so I can pay off my car and release the title. They are horrible and unethical and are withholding my money and refusing to let me pay off my car. This is unethical and illegal both!
Account XXXX XXXX thanks, XXXX XXXX
|
| 02/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XXXX of XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire credit report.
|
| 10/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I leased a car from BMW for 3 years and never once had a late payment. At the end of my lease I sold my car back to BMW and they gave me a check. Apparently there was a closing cost that I was not aware of, and Im not sure why they wouldnt just subtract that cost from the check they handed me. A month after selling back to BMW i moved so I was not aware of any mail sent to me and they did not send emails. I have since paid the {$300.00} closing cost but bmw dropped my credit score a significant amount and told me that for the next 7 years they will have a late payment status on my credit report. My credit score was XXXX and is not XXXX because of this and I am unable to raise it again. I have no late payments and have never missed a payment so I feel that this is a misrepresentation of my credit score.
|
| 06/24/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
I have leased three XXXX XXXX for the last decade and I have never made a late payment in regards to this matter ( XXXX can validate this information without issue ). For several years now XXXX XXXX XXXX website does not work or allow clients to login in, make payments, use their two step authentication in order to validate when they login or finally even change my password. I am filing this complaint for all XXXX XXXX owners in the world experiencing these same issues using there payment portal. I dont think its fair in this modern age that people need to expose there checking account numbers by mailing in checks to the po box . I think the CFPB needs to investigate this issue as a class action lawsuit is deserving in this situation due to the number of people being effected by there payment portals.
|
| 01/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Servicemember |
|
In XXXX the lease on my BMW XXXX ended. I went to the dealership to lease a new vehicle however my credit score was low and I missed TWO payments on my previous lease so allegedly BMW Credit denied my lease application. I ended up buying out my lease and entering into a traditional car loan at 17 % interest. I was advised by the Dealership that the interest rate is determined by BMW credit, however when I contacted BMW credit I was advised that the dealer sets the interest rate. Additionally at the end of my lease I had {$3000.00} in charges left to pay however to this date I have seen absolutely nothing on paper itemizing those charges. Everything has either been verbal or just some numbers written on a piece of paper.
I feel that BMW Finance and BMW of XXXX XXXX, MD took complete advantage of me.
|
| 06/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I financed a load through BMW Financial services. When I made my first load payment they had me send the payment to XXXX, AZ. I expected this transaction to take several days to complete, after five days the transaction was not complete so I called BMW FS but got no good answers. I called them again after 6 days and was told my payment had to be transferred to XXXX since it was too large of an amount for XXXX to handle. During this transfer and handling time ( about 6 days ) I was being charged {$2.00} a day ( according to BMW FS ). I complained to BMW FS to no avail. They only said payment over {$10000.00} had to go to XXXX, but that is not documented on there payment document they send out. I do not think I should be charged interest on the amount that is due to their poor money management policy.
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.
The following are some of the dates of the letters I have mailed out : XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
I went to apply for a vehicle and was denied access to the line of credit that was opened in my name. My application was received and they ran my social security, which by that point we had entered a consumer credit transaction where I, The Beneficial Owner, are owed a line of credit in amount equal to the amount I applied for. In denying me, I was discriminated against ; The amount of credit history has no legal impact on the decision nor is it lawful to deny someone based on information from third party affiliates per ; Federal Reserve Act. Sec. 16 " Issuance of notes '' and " application for notes '' and 15 usc 1605. I also gave a tender of payment to give the bank clarity on what to do with my application which I will provide in the following text box along with a photo of my application.
|
| 12/11/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
The payment amount on my loan with BMW Financial Services should be lower. At time of purchase the sales manager at the dealership, XXXX, stated it would show XXXX down but I was actually putting down XXXX. He also stated to give him the XXXX difference in cash and that the dealership makes enough, he needs the money for himself. Needless to say, I did not give him the money, it was supposed to go towards the loan. Numerous complaints have been filed against dealership, as well as against BMW Financial Services. I understand they can not or will not lower payment amount by restructuring the deal, however, the account is now over 30 day past due and an extension will help me as well as remedy the matter. I did request an extension before and was told no, the account needs 6 months of payments.
|
| 03/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
I have been a long-term customer with BMW and leasing through BMW financial .
In XXXX i was in an accident and by car was totaled. The insurance company assessment was done and BMW financial was paid {$3800.00} over the residual value of the car. The BMW financial policy is to not only take the residual value but also 50 % of the amount over the residual valve of the car and only credit the consumer the other 50 % for further BMW leases otherwise they take the entire amount.
This policy by BMW financial is abuse of the rights of the consumer and excessive and unreasonable penalization their consumers.
It is also important to note that this policy is not the standard practice with other car financial companies many of whom do not penalize their consumers after a traumatic experience.
|
| 02/07/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
I traded in my XXXX bmw XXXX that I had for 2 years. I had extended warranty on it that didnt even start yet cause I was under factory warranty and I traded car in over year ago and have been waiting for my refund the entire time and bmw says they called dealership in Cali where I bought car and are waiting. Ive emailed and called. Over and over for the entire uear talked to manager at dealership where I bought car. Still no refund. The dealership where I bought the car who owns me the refund for extended warranty is in California. New century bmw in XXXX, California. And I traded the truck in to bmw dealership in nj called XXXX bmw. I think Im owed like 4-6k I payed for extended warranty.when I called bmw financial about it they said the dealer has to refund me and they cant help me
|
| 02/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I received a bill from BMW Financial Services, dated XXXX XXXX. On XX/XX/2021 I sent out a letter for Validation of debt along with a Cease and Desist and. A few days later representatives started to contact relatives in my family along with myself. They also threatened to place this item on my credit report if i did not agree to pay this alleged debt.
A few days after this occurred, I received a bill from a debt collector, XXXX XXXX XXXX.
This is a clear violation of the law. I proceeded to send a Debt Validation letter to them as well and I'm currently waiting for their response.
I received an email from BMW Financial Services AFTER I was threatened and disrespected by their representatives, and AFTER receiving a bill from a debt collector when they clearly received my notices.
|
| 01/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I contacted BMW Financial Services about the late reporting on my credit report. The representative was nice, he let me know that the late is going to removed if I wrote in a letter explaining my situation and he did let me know that i do have the assistance on my file. He said he was going to help me. I ' am a disaster victim and I had the disaster assistance on my account. I had the late reporting with BMW on XX/XX/2018. After the investigation was over BMW Financial Services did nothing for me I called spoke to a supervisor her name was XXXX, She said they wont do anything, because they don't care about the circumstances that I was in. This is extremely upsetting and I'm very disappointed of the out come .I had to do what was safe for my family and evacuate from the situation.
|
| 02/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I contacted BMW in regards to two 30 day late payments that were reported on my credit report. I was, in fact not 30 days late. I received a form letter from BMW that indicated that they ( BMW ) report any payment made after the 29th day - which the letter continues to state is the " industry standard ''. I have tried to no avail to get this information corrected, when in fact the payments posted prior to the 31st day. I have submitted disputes through the credit bureau and company directly to no avail.
I also pulled the contract that I signed and the previous statements. At no time does BMW indicate or disclose that or notify any customer that they report any payment made after 30 days which in their opinion is industry standards.
I need assistance to obtain resolution.
|
| 01/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
|
BMW continues to report inaccurate information on my credit report.
After multiple attempts to correct the erroneous credit reporting with them directly, they continue to ignore my requests.
The information that should be reported is the following : -Postponed payment ( no status ) for XXXX, XXXX, XXXX, XX/XX/XXXX ( due to a natural disaster - COVID19 Pandemic ) -On time payments XX/XX/XXXX through XX/XX/XXXX when the lease balance was paid off.
This information was being previously reported accurately to the credit bureaus ( I am enclosing proof as an attachment ). However when the balance owed was paid off on XX/XX/XXXX, BMW decided to break the law and report inaccurate information on my credit report by deleting/modifying the information that I described earlier.
|
| 07/01/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
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|
I made {$45000.00} in payments for a XXXX bmwXXXX XXXX. Toward the end of the lease, I made payment arrangements, but was unable to keep up payments due to unemployment. The lease was for 3 years. In XX/XX/XXXX, I was to turn the car in, nothing due. I received two letters in XXXX and XXXX offering a new car to get a reduced payment from XXXX to XXXX. I asked to turn the car in at that time. BMW said no, it must be a voluntary repossession, even though they were trying to sell me a new car. They came and got the car. At that time I owed about {$4000.00} in lease payments.
The car only had 27,000 miles on it, and had been appraised for {$31000.00}.
BMW is now trying to charge me a residual fee of {$30000.00} plus another {$22000.00}. I knew nothing about a residual fee.
|
| 09/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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|
In XX/XX/XXXX, I contacted XXXX XXXX XXXX in regards to attempting to settle the charge off balance we had with their company. On that first call, the XXXX representative stated our loan was marked as one of many to be XXXX out and removed from our credit report. They stated it had something to do with a class action lawsuit that XXXX had lost. Since then, we have called numerous times and each time the answer is the same, they are working on it and it will be done shortly. Finally in XX/XX/XXXX, I received a letter dated XX/XX/17 stating they had adjusted my balance to {$0.00} but nothing in regards to the removal. When I called back, again they say they are working on it. This has gone on for several months now and is affecting us from buying our new home in XX/XX/XXXX.
|
| 11/17/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Older American, Servicemember |
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Acc # XXXX. Turned this vehicle in XX/XX/20. XXXX XXXX in XXXX, AZ. Leased another XXXX at that time through BMW Financial.Requested vehicle inspection when I picked up new vehicle and turned in old on XX/XX/20, was told they do not do that, vehicle will be inspected at later date. I said I do not want to be liable for charges that I can dispute in person, again told they do not do that. There was no correspondence between XX/XX/20 and a letter I received on XX/XX/20 demanding payment of XXXX or will go to collection. I did not see this online until last payment made on XX/XX/20 on my new vehicle, just magically appeared. What was happening between XX/XX/20 and XX/XX/20 that I was not notified and now threatening collection. Isn't there a time limit for providing bill.
|
| 05/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I requested a due date change from bmw financial in XXXX 2015. They advised that the process would take 60-90 days. My payments were set up on weekly disbursements from my bank account. Once the due date change the final payment for XX/XX/XXXX ( i believe ) posted on the XXXX day and BMW marked me as late with all XXXX credit agencies. It was to my understanding that an account had to be 31 days late to be reported delinquent with the credit bureaus. I asked them to remove the late. I have disputed it. Im trying to get the vehicle refinanced with my credit union and was told that the late from BMW dropped my scores to where they cant fund the entire deal. I need assistance as this was not intentional nor is it the standard reporting process for lending institutions
|
| 08/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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I was halfway done with my loan payment, before I got into a totaled vehicle accident which I was not at fault. Issues with the vehicle paint was addressed by me to BMW years before this totaled accident happened, but BMW neglected the issue and did not want to handle it. Their claim after the car was totaled is false and there were no prior damages made by me to the vehicle. I have never skipped a maintenance appointment prior to the totaled accident. GAP insurance and the insurance of the person at fault should have taken care of any difference. I have emails from BMW stating that the loan was paid off. BMW 's lack of honesty and their GAP and Financial departments incompetency have come at a cost that their customers have to pay for the companies mistakes.
|
| 05/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
After obtaining written payoff instructions from BMW Financial Services, I followed their procedures with my bank, XXXX. XXXX overnighted a certified check with the complete payoff. USPS tracking confirmed it was delivered and accepted by a XXXX XXXX employee one day later, XX/XX/2019. 11 days later and BMWFS still doesnt admit to having the check. XXXX also confirmed the check has not been debited. BMWFS has offered solutions to this problem which have not worked, including having XXXX call the USPS to see where it was delivered, and to issue another check. XXXX and USPS both confirmed the dates and addresses were correct. It appears that either BMWFS for have incorrect information, to include addresses, or their PO Box wont accept payments via this method.
|
| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
BMW UNLAWFULLY AND ILLEGALLY is accessing my credit report WITHOUT MY CONSENT AND OR AUTHORIZATION!! THIS IS A CRIME AND A VIOLATION OF OHIO AND DC AND FEDERAL LAW AND WILL END IMMEDIATELY!!! MY credit report is locked/frozen with ALL THREE BUREAUS AND A FRAUD ALERT IS PLACED ON MY CREDIT REPORTS AND BMW STIL CONTINUES UNLAWFULLY AND ILLEGALLY ACCESS MY PRIVATE and confidential credit report, illegally MONTHLY! I DO NOT HAVE AN ACCOUNT WITH BMW AND YOU WILL STOP THIS IMMEDIATELY!! IM A XXXX HOMELESS VETERAN WITH NO MONEY INCOME OR ASSETS!! GET OUT OF MY CREDIT REPORT AND MY BUSINESS AND STAY THE XXXX OUT BMW!! YOU ARE VIOLATING STATE AND FEDERAL LAW AND HAVE BEEN REPORTED TO THE DC ATTORNEY GENERAL THE OHIO ATTORNEY GENERALS OFFICE, THE XXXX, AND THE CFPB!!
|
| 10/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
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Dear CFPB, I received a letter from BMW via MY BMW online account stating that they would reconsider my application for refinancing of my vehicle which I financed through them, as a brand new purchase in 2011.
Today, the refinance agent told me that the decision was made and I could get a co-applicant but it basically would not help me keep my vehicle ; I would need to trade it or sell it on my own.
When I mentioned I received an email reply to how I could get my BMW refinanced through BMW since I am already financed through them, the agent said he had never heard of the person I received the reply from and that the reply did not matter because they were not going to refinance my vehicle even though I have been financed through them for the past 5 years.
|
| 09/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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these accounts that appear on my credit report, without any authorization, do not belong to me, they are hurting me. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine.
8. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine.
9. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine.
10. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine.
11. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine.
12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
13. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine.
|
| 09/01/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
BMW financial is reporting my account late when its within 30 days of the federal guideline on making payments past the due date. I have contacted them and XXXX and they have no data or sent anything to XXXX to respond to the dispute. I have disputed this information multiple times and provided documentation to both BMW and XXXX that validate my payment was made within the given time period. I have attached my account statement with my due date and the date it was paid in the amount of {$600.00} on XX/XX/2022 via phone with there representatives since there online site was down for months. My payment is due the XXXX of each month. I have not heard from BMW regards to my dispute and its been over 30 days but they can respond to XXXX in less than 20 days.
|
| 09/20/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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|
BMW financial is reporting 30 day delinquencies with the bureaus even though my payments were not 30 days late. I disputed the late reporting with BMW financial services and received a letter from XXXX XXXX stating " BMW Financial Services reports missed payments and late payments as delinquent when received greater than XXXX calendar days beyond the scheduled due date. '' According to XXXX guidelines there reporting is incorrect and therefore in violation. XXXX guidline states " The " clock '' for a 30-day delinquency starts 30 days after the due date, as opposed to the billing date. Under their XXXX XXXX account status code they have an example on their site and it clearly states that a payment received and cleared on the XXXX day is not 30 days late.
|
| 11/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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On XX/XX/XXXX and XX/XX/XXXX BMW ran my credit report through them and financial institutions without my authorization. I specifically asked them not to do this and they fraudulently did this without my authorization. I have proof showing that I didnt authorize my credit to be ran. The representative I spoke didnt apologize or try to rectify her response was I should have told a manager. When I specifically in writing and over through communication do run my credit report through banks and her response was yeah sure. This BMW XXXX in NJ and BMW financial is running by unlawful practices. And I request all inquires be removed by them and/or refusal will have to pay a minimum of {$1000.00} of any lost that a pull from unauthorized credit pull caused me.
|
| 09/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
A credit report was obtained and there was a charge off auto loan from Alphera Finanical Services reporting. The information was not complete so disputes were filed with all XXXX reporting agencies. After several unsuccessful attempts with the bureaus to try and get this information I sent a direct request to the company asking for validation and evidence of what they are reporting to the bureaus. They responded with an acceptable letter stating that they would not send information to a 3rd party. I AM NOT A THIRD PARTY. I am also unclear how with their correspondence stating " IT IS OUR POLICY TO ONLY RESPOND TO REQUEST SENT DIRECTLY BY OUR CUSTOMERS '' are the credit reporting agencies able to obtain validation of this since they are a THIRD PARTY.
|
| 12/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
1. On XX/XX/2016 I made a prepayment of {$1000.00} to cover the XXXX, XXXX, XXXX and partial XXXX payments. On XX/XX/2016 a {$200.00} collection fee was taken out of my prepayment funds without consent and/or notification. That caused my prepayment amount to drop and owe {$24.00} for the month of XXXX. I spoke with a representative who advised that was done against company policy and it would be corrected immediately. However, it has not been corrected and now I owe.
2. This company is reporting INCORRECTLY to the Credit Bureaus and it 's negatively affecting me. My balance should be {$10.00}, XXXX but is being reported as {$14.00}, XXXX. I 've made several attempts to have this information corrected but to no avail.
Please see attached documents.
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The lease was opened XX/XX/XXXX with BMW FINANCIAL SERVICES. The loan amount is {$60000.00}. I contacted bmw in XXXX to inform the company of the Fraud. I submitted a dispute with All 3 major credit bureaus and bmw. The item was deemed as fraud and removed. Then 2 years later XXXX ADDED BACK TO MY CREDIT REPORT. I disputed again and it was removed but 2 months later the bmw account was added back to my credit report. IVE CONTACTED BMW Numerous times about this account and its still on my credit report and is destroying my credit.
THIS IS FRAUD AND SHOULD BE REMOVED FROM MY XXXX CREDIT REPORT I PROVIDE ALL THE REQUIRED DOCUMENTS TO XXXX. Police reports, fraud applications, my drivers license, proof of residence etc.
please remove the bmw account
|
| 12/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2018 I received a notice from XXXX regarding a credit alert. This alert shows that derogatory information from BMW Financial Services was reported as a new collection.
The derogatory information shows as coming from XXXX XXXX XXXX as a collection in the amount of {$560.00}.
On my credit report the derogatory information is showing as coming from BMW Financial Services Acct : XXXX. This account was a leased vehicle that was paid as agreed and the lease ended in XX/XX/XXXX and all balances were paid in full.
on XX/XX/2018, I called both BMW Financial and XXXX XXXX and each company stated they do not have this account in collections. However, it is showing up on my credit report and I would like help to dispute it and have it removed.
|
| 10/07/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with account number XXXX with VIN # : XXXX with a maturity date of XX/XX/XXXX. At maturity, I took the vehicle to XXXX XXXX XXXX for final Inspection on XX/XX/XXXX at which time I was given the attached Final Inspection Report stating I owe {$960.00} as my Grand Total. Vehicle was inspected, dropped off and I left. When I called BMW USA to make the payment a week later, they claimed that the amount I owe is {$3900.00} for reasons I'm yet to understand despite calling repeatedly for several months. BMW USA then preceded to send this fraudulent claim to collection and have since damaged my credit severely. Attached are the Final Inspection Report and collection letter from XXXX XXXX XXXX XXXX XXXX.
|
| 11/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
To whom it may concern, BMV finance is subject to lack of Corporate Social Responsibility.
BMV finance is subject to lack of ethic.
BMV finance is disrespect customer intellenge while they abuse the system.
BMV finance is constantly changing numbers from one letter to another, in hope to confuse the system or customers.
Lack of efficiency and accuracy in the BMV finance department.
Abuse the customer account for making illegal money.
BMV charges customers unfairly without proof of evidence.
Threatening the customer instead of providing the evidence.
Defamation of character and wasting time.
I am entitled to seek any damages resulting from such misuse.
It is upon government to audit the company in the customer 's account and their game.
|
| 11/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a new XXXX at XXXX XXXX and at the last minute they used high pressure tactics to sell me a number of extended warranty products via XXXX XXXX. I wasn't too worried as the contract allowed cancellation within 60 days for a full refund, or a pro-rated refund after that. I have been trying for months to cancel this and just keep getting the run-around from XXXX XXXX who say they can't get a response from XXXX.
Two of the three products were eventually cancelled ( I don't believe I got the full refund I was entitled although it's hard to tell because the documentation is so poor ). I have tried numerous emails and calls and can not get the third cancelled.
In the meantime, I've had to pay interest on the loan for these products.
|
| 11/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction.
BMW FIN SVC XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.
|
| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a fraudulent account on my credit report, which I reported it to BMW FINANCIAL SERVICES, yet BMW FINANCIAL SERVICES is not removing this fraudulent account. BMW FINANCIAL SERVICES has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BMW FINANCIAL SERVICES Bank has refused to do this. The following is the fraudulent account : BMW FINANCIAL SERVICES XXXX which was open at an address which I have never lived at and it has nothing to do with me.
|
| 10/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I was in an accident where my car was declared as a total loss by XXXX XXXX. They obtained the lease pay-off from BMW in the amount of {$45000.00}. XXXX XXXX sent BMW Financial Services on XXXX a payment amount of {$55000.00}. The payment was confirmed received by BMW Financial Services as of XX/XX/23 which is the latest date that I have contacted them. I have attempted for BMW Financial Services many times to refund me the difference as the pay-off was beyond the amount owned to BMW Financial Services in the amount of {$10000.00}. This is the amount of equity I have built into the car after making payments. BWM Financial Services is refusing to refund me the overage in pay-off and they insist on keeping my {$10000.00} equity in the vehicle.
|
| 01/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
A payment in the amount of XXXX made on XX/XX/XXXX covering the months of XX/XX/XXXX and XX/XX/XXXX will more than likely get returned. I was expecting a tax refund to cover this payment, however, it is delayed due to government shutdown. I have been making small payments via bill pay through my XXXX card in the amounts of XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. I will make another payment on XX/XX/XXXX via bill pay, which should post by XXXX at the latest. My tax refund should be deposited about a week thereafter, however, I am not certain. Please request XXXX XXXX to allow me more time before repossession of vehicle. I will continue to make payments via bill pay which are electronic in the mean time.
|
| 02/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
We were erroneously reported to the credit bureau for a delinquent payment with BMW Financial that isn't accurate and is impacting our credit score and the ability to get a Home Equity Loan needed for improvements to our home.
We have submitted a written request to BMW Financial in writing as requested and haven't gotten much response other than the fact that they don't have a record ( according to their customer service representative ) of being reported for a delinquent payment.
We have impeccable credit and very little debt and this error in our credit report has impacted us severely and need it resolved as soon as possible.
We have documentation that our account is current, in good standing and up to date as it always has been.
|
| 08/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 09/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/XXXX there was a repo for a vehicle i purchased from BMW financial. I have contacted all 3 credit bureaus and alerted them that i have not made a payment to BMW since XX/XX/XXXX. The 7th year that the vehicle should be removed from my credit is this XX/XX/XXXX. BMW placed my account in collections in XX/XX/XXXX for non payment then made false reports of payments in XX/XX/XXXX to XX/XX/XXXX and in XX/XX/XXXX they placed it back in collections. They are trying to keep me in collections until XX/XX/XXXX which would be 12 years they would be on my credit report.
The credit bureaus will not remove it until they say it has been in collections 7 years.. which it has..the economy crashed and i lost everything that year. Thank you.
|
| 05/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hey, Im sending this as a good will letter. I would like for the car loan to be removed from my credit reporting. The car is paid in full and have been paid for several years now due to my car being totaled out. Im asking for good faith on this request in hopes that my request can be granted. Yes, due to mishaps it took awhile to pay the balance leftover after the insurance paid the portion from the policy. Thanks you for consideration. It shows bad reporting and to be truthful, I never had an issue with my payments being 30 days behind when I was making payments on my car, but of course when having to purchase another car after my car was totaled- it was hard to make payments to both companies ( car loans ). Just asking for Grace
|
| 01/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. BMW Financial Services a.k.a XXXX XXXX XXXX XXXX XXXX and XXXX XXXX a.k.a XXXX XXXX XXXX they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.
|
| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
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I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
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| 01/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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I just buy a BMW at bmw dealer, weh have finance with bmw finance, i know they help to get the car, they are very good sales and manager was nice we us, we just ask to have better interest rate on the loan because we trade a XXXX XXXX XXXX XXXX with less than 11,000 miles, almost new..we ask for more on trade.by the can't get more for the trade.we said ok so give me a better interest since we have 1,9 percent with XXXX XXXX in the XXXX..i was not expecting the same rate but better than 7,9 that we get we ask they said is the best we can do..i believe they can do better since we never miss a payment on my mortgage or on the car loan.also my husband and i we have a total income for about 80,000 a year. also we put XXXX dollar down.
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| 01/23/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Servicemember |
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I returned my XXXX XXXX on XX/XX/XXXX, due to lease end. I returned the car to XXXX XXXX at XXXX XXXX, CA, where the car was inspected and the only problem was reported was front bumper and I agreed to pay {$400.00} to resolve this. Other than that there was not damages to the car as of XX/XX/XXXX. ( see inspection report attached ). On XX/XX/XXXX, I received a bill from BMW Financial, that I owe {$1600.00} due to the crack of one monitor. According to BMW Financial this was discover on the auction house that the car was transferred on XX/XX/XXXX.
I do not accept this charges because at the time of the return ( XX/XX/XXXX ) there was no damages to the car. I insist that the damage was done after I left the car at the dealer.
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| 03/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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On XX/XX/XXXX I cancelled the prepaid maintenance plan that I purchased with the car on XX/XX/XXXX. Per the contract, I am to receive a pro-rated refund for the months not used. I paid {$2000.00} for the maintenance plan. There were 15 full months left in the plan term. At {$58.00} per month, this amounts to {$870.00}. There is a {$25.00} cancelation fee stipulated in the contract, so the refund I should have received is {$840.00}. The contract states that this refund will be received within 30 days of cancelation. It is now XX/XX/XXXX and I have not received a refund. Not only that, but the amount I was told I will be getting back is {$790.00}, which is {$58.00} ( rounded ) less than the calculations based on the contract.
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| 03/21/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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BMW Financial services has erroneously reported a late payment on my credit report, specifically the XX/XX/2017 payment. They are under the misconception that the payment was made on the 31st day. It was not the payment was made online at the BMW website two weeks prior. They have told me verbally as well as in writing that I cancelled that payment. I did not. I did, however, make a payment online which BMW must have failed to process correctly. If there is a computer " glitch '' on their part and they see the payment as cancelled by consumer it hardly seems fair that I should have my otherwise excellent credit places in jeopardy. Your attention and assistance is greatly appreciated in receiving a satisfactory resolution.
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| 10/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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BMW Finacial was contacted to submit payment the representative that assisted told me the exact amount and date that the payment was due. I submitted payment on that date! They stated that payment was due prior but a representative on a recorded line explained in detail the date. I now they have reported 30 day late and that is inaccurate! I have requested removal and they are not willing to help or pull recorded conversation. I have never paid past 30 days and due to the inaccurate information provided by BMW rep I now have a problem for the month of XXXX and XXXX. I was also told that a partial payment of {$500.00} was acceptable and I would not be reported since I was also making the {$97.00} on the next business day.
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| 12/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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im submitting this dispute for the unfair and inaccurate information BMW SERVICES is reporting to the reporting agencies. they are reporting different monthly payments as well as different dates for " DATE LAST ACTIVE ''. im reaching directly to the furnisher as I have already tried to dispute the inaccuracies with the credit reporting agencies and nothing has been done. I am demanding BMW to be removed from my credit report immediately for inconsistently reports and lack of integrity of the account. According to 12 CFR 1022.42 each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency
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| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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BMW FINANCIAL SERVICES/CREDIT Date Opened XX/XX/XXXX Balance {$51000.00} Status Voluntarily surrendered. {$4700.00} past due as of XX/XX/XXXX.
Original Lease amount {$36000.00} The account was closed and was removed in XX/XX/XXXX, and reappeared in XX/XX/XXXX with inaccurate amounts owed.
Company is in violation of in violation of the following codes ; US Code Title 15, 15 USC 1681a ( k ) ( 1 ), U.S. Code Title 15, Chapter 41, Subchapter III, U.S. Code 1692d - Harassment or abuse, U.S. Code Title 15, Chapter 41, Subchapter III. 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting and 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ).
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| 05/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I aske d BMW to verify the account and they still have not even afte r XXXX certified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car for 2 weeks after purchase as I was a s upposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me. I also have lawsuits agains XXXX , XXXX and XXXX for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well
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| 06/24/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. This is NOT a request for verificationor VALIDATION or proof of my mailing address, but a request for Identity Theft made pursuant to the above-named Title and Section. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Date opened : XX/XX/2015 {$69000.00} Account : XXXX BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX Date opened : XX/XX/2015 {$38000.00} Account:XXXX I XXXX
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| 09/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I traded my XXXX, loan # XXXX, in XX/XX/2014 for my XXXX lease, account # XXXX and XXXX, the previous cars were in the possession of the dealership- therefore the reporting of a late payment for XX/XX/2014 is erroneous - this is causing my credit to drop and caused me to lose the ability to rent a home for myself and my XXXX kids. I requested this to be updated, however XXXX doesn't update it or respond to the dispute they simply state it is resolved. AND then as a retaliation for my disputes XXXX reported 5 accounts as charged off - these accounts have been reporting as open and past due for YEARS but now, since I disputed they updated all records to charged off - thus causing my credit to tank even more.
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| 08/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The following companies are closed accounts that are paid in full. On XXXX 2022 I disputed all companies that were over XXXX years old and requested an investigation to explain how they were able to reset the clock on the statue of limitation. The following companies have violated the laws of FCRA and failed to delete/remove their accounts from my credit file. Please, investigate my complaint and have the negative accounts that are hurting my credit worthiness for approval of credit deleted/removed or I will seek for monetary compensation for damages done to my financial well being.
1- XXXX XXXX XXXX {$500.00} 2- XXXX/XXXX, XXXX {$600.00} 3- XXXX/XXXX, XXXX {$100.00} 4- BMW Financial servic {$24000.00}
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| 01/26/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I leased a 3 series on XXXX/XXXX/17 and setup my online account after receiving my first paper statement to make it convenient for payment scheduling. Then after a few days I received an email for an X1 with someone elses account information on it, I logged in to my account online on XXXX XXXX website and it showed someone elses information on my account and I was unable to locate my car or information there. I have called BMW financial infinite times at XXXX but they keep giving excuses and keep giving me the runaround. Hence I have decided to file a complaint against BMW Financial as its criminal negligence on their part as I being a customer is dedicated to solve this issue and they dont care about it.
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| 10/13/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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BMW salesman used disceptive tactics to get me to sign a contract on a new vehicle with a balloon payment at the end of the XXXX year term. This amount equal an additional XXXX XXXX more of the purchase amount. This turned this vehicle from being a XXXX car loan to a XXXX car loan.
We filed a complaint with bmw about this issue and received no response but, a letter from them requesting to pay that amount.
I asked for this account to be validated by BMW and by XXXX. This process was never done.
In fact, what this company did was shocking. Instead of responding to me, they came and pick up my vehicle that was paid off in its XXXX year term.
BMW decision was to take my car that I paid XXXX off.
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| 01/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I rights was taking away from me from XXXX XXXX XXXX XXXX I try speaking with them about this predatory lending they called me stupid ask you do I know how to read and told me there isnt anything that can be done with the contract also not disclosing terms in the contract and us and explaining to me what they were and rolling in also not let me know that there was a balloon payment of {$20000.00} after I paid {$95000.00} for the vehicle I would not have taking a deal like this no one will have I had a brand new vehicle which I was trading at XXXX XXXX XXXX XXXX with XXXX miles on itThey push this deal through for this car took away my rights to make an accurate decision need help following up on this
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| 11/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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In or around XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX During this consumer credit transaction, I was advised that I needed to put down {$2000.00} cash along with the trade-in of my XXXX XXXX XXXX XXXX The contract I signed only had my signature on it. I was not advised of my rights to rescind the transaction.
My consumer rights have been violated several times over by XXXX XXXX and BMW Financial.
When I previously tried resolving the matter with BMW Financial, they spouted off statements about fraudulent debt elimination schemes. They even threatened to ignore my future requests although they failed to provide ALL documentary evidence as requested pursuant to 15 USC 44.
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| 12/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I have a loan with BMW financial my payments are automatically taken from my XXXX XXXX checking account each month. I had this load almost 2 years now. I don't know the reason why and BMW financial never told me the reason why the payment of {$1100.00} for XXXX XXXX XXXX was taken from my bank account twice causing XXXX XXXX XXXX to charge me overdraft fees and put other wrongful limits on my checking account. I call them and let them know that and they stop the reaccuring draft because it tried to get withdrawn several times. But XXXX XXXX XXXX still did not take out those overdrafts they just refunded a portion of the fees and I just have to live with those over drafts on my checking account.
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| 09/01/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Good day Took over a lease of a XXXX XXXX to avoid fees such as deposit and taxes. I have done this several times.
BMW after 1 month of assuming the lease. I get a bill for {$700.00} +. for TAXES which were not disclosed at the time of signing.
After numerous correspondence and calls the company failed to rectify the issue. I set up a Arbitration Complaint #. XXXX. The Company never responded to the XXXX to participate in the Arbitration, According to their terms and conditions prior to starting a civil action I am required to attempt to resolve any issues by Arbitration first, Company is ignoring my request., XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX. XXXX NJ. XXXX Regards XXXX
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| 03/18/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX until this issue is resolved.
In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
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| 12/03/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I moved from XXXX to XXXX in XXXX of this year. BMW Financial Services failed to send me a billing invoice for my payment, even though I called, emailed and sent change of address through USPS. Because I did not get invoice, my payment was late by just over 30 days. BMWFS had my email, phone number, and all other contact info but did not bother to notify me of late status until it was too late. I disputed with the XXXX credit agencies but BMW refused to budge. My attorney stated that since they had always sent a statement that they have set the precedent and were required to continue to do so. Since they did not, then they are bound to remove the derogatory information from my credit report.
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| 10/29/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Problems when you are unable to pay
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Web |
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I am a victim of Identity theft. Someone obtained a auto lease from BMW Financial Services under my information. The signature on the contract does not match, my full name was not on the contract, the wrong address was used, the date the account was opened does not match on my credit report, BMW Financial Service sold a car as a new car at a high price when it was clearly a demo car with over XXXX miles on it and the fraudulent account was opened on my birthday and I never ever apply for any type of credit on the birthday .... I faxed, emailed and certified mailed my identity theft affidavit to BMW Financial Services. All I got back with a copy of the contract for a car I did not apply for.
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| 06/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I am without a phone and unable to call BMWF regarding my account, I believe this was stated in prior complaints. As stated by their rep in a prior reply, I messaged BMWF about my account and payment arrangement which is an amount of XXXX paid on XX/XX/XXXX, another payment on the following Monday the XXXX. I received an email from a XXXX with an attachment to it, a letter requesting me to call BMWF about my account. Again, I do not have a phone but will reply here, I need to update my arrangement to include the the amount of XXXX to be paid on XX/XX/XXXX. I have an insurance payment due on the XXXX as well, this is the best I can do.. Please allow me more time before possible repossession
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| 11/15/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I leased a car from BMW. It was my third lease in a row. Ive been doing business with them for 9 years with out an issue. When my lease was up, they tried to charge me incorrectly and gave me a big bill at the end. They claimed that I was missing a key. I wasnt. They claimed wear and tear on the tires. The tires were used, but thats because I had the car for 3 years. I told them a couple of months before that they couldnt expect me to buy 4 brand new tires and then give the car back. Thats crazy, and they agreed. I tried speaking with them several times, and there was never a live operator. Now they put me in collections, which is outrageous. Please look into this matter for me. Thank you.
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| 03/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I attempted to make an ACH payment to cover month of XXXX today, XX/XX/XXXX, however, the error message stated the account is not eligible to make online payments. I am trying to avoid a late fee and need to make payment before fee is assessed. I believe the error is possibly related to past returned ACH payments, if that is the case, I have a new bank account with XXXX and funds are available. I can assure BMWF ACH payment ( s ) will process and not return. In addition, I have added my debit card with XXXX as an added payment source. Past returned ACH payment was due to a deposit not posting on end of bank, I believe funds were held for ten days, not available time payment presented.
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| 10/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
Servicemember |
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My bmw that had the loan was stolen XX/XX/2018 over a year ago. Insurance paid out the car and I even made an extra month of car loan payment after the car was gone. Suddenly over a year later I get a collection notice that I owe 800 something dollars from over a year ago. They couldnt explain what the money was owed for or account to why. Before the fact why didnt they contact me to pay the money or tell me I even owed them anytime this past year just trying to ruin my life further for no reason like how they cant explain exactly what the money is for that they claim I even owe them. Over a year is not a reasonable time and to not give me reasonable notice or explanation of the debt.
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| 01/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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BMW FINANCIAL SERVIC is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to BMW FINANCIAL SERVIC along with a notarized affidavit claiming fraud. BMW FINANCIAL SERVIC is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like BMW FINANCIAL SERVIC to close their files which have any information with my name & social on it ...
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| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act BMW FIN SVC XXXX, has violated several of my rights.
15 U.S.C 1681 section 602 A. Clearly s that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing this complaint to BMW FINANCIAL SERVICES. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.
My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
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| 06/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX XXXX, 2016 I became aware of delinquencies on my account by BMW Financial Services because of an entry onto my credit report. I contacted the creditor and asked why I was not notified. I had continually checked on account and it would show all payment were being made and was current. I was told that there was an error on the account number, my name was incorrectly printed on contract and the payments were not being processed. I promptly made all payments current with with assurance from the Financial manager that any negative information sent to credit reporting agencies would be removed. Now the company refuses to honor the agreement and have damaged my credit severely.
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| 05/16/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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|
Web |
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I lease a XXXX about 2 years ago. At the time of the lease I was told if I want it to buy the car at the end miles would not be an issue. I was also told in case of a total loss I was protected by gap. My car was a total loss because the vehicle was stolen. Bmw is now charging me for excess miles. I was told no matter what miles I had if is a total loss I would not be responsible. I was send a letter stating that the contract I had sign made me responsible for excess miles. I will attach the letter and I will also attach the back of the contract. The wording in no way I would interpret that I would be responsible for excess miles. The wording use is very deceiving and vague.
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| 07/26/2023 |
No |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2023 BMW Financial Services sent me a letter offering to settle a XXXX debt for XXXX. To better understand my options I decided to reach out to BMW and ask what will happen to this debt if I do not settle. I asked if this debt will be sold to a 3rd party, or will anyone report this debt to the credit bureaus in the future. This debt has been reporting on my credit history for almost 7 years and I would like to know when it will stop showing. BMW will not provide me with the information mentioned here. Please provide me with information regarding these issues. I am currently receiving SSDI since I am no longer able to work and every finding it hard to make ends meet.
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| 11/15/2021 |
Yes |
- Vehicle loan or lease
- Title loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on BMW FIN SVC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the lists of the erroneous accounts reporting on my Credit Report : BMW FIN SVC XXXX XX/XX/XXXX {$17000.00} ; BMW FIN SVC XXXX XX/XX/XXXX {$58000.00} ;
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| 10/21/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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Lease contract was signed on XXXX/XXXX/2016 and BMW XXXX was delivered same day. Noticed scratch on the rear panel and reported to the salesman, XXXX at XXXX XXXX. He arranged to pick up car 2 days later with a lesser class loaner in exhange. Car is being in the shop for 10 days, returning on XXXX/XXXX/2016. First payment was submitted through dealer for the XXXX/XXXX/16 lease date. Next payment due is XXXX/XXXX/2016, according to a billing error by BMW Financial. They claim that the dealer has submitted my lease with the XXXX/XXXX/2016 start date, even though the lease began XXXX/XXXX/2016. Nobody wants to assist and fix the error. They moved the due date 5 days earllier.
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| 04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I have recently obtained a copy of my XXXX credit report that reflects a credit inquiry made by your company on XX/XX/2016 that I do not recall authorizing.
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my XXXX credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed.
To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.
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| 08/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I purchased a brand new XXXX XXXX XXXX in XXXX XXXX. First, they did not give me a correct value for my trade-in. I traded a XXXX XXXX XXXX ( that was fully loaded, with leather seats, navigation, heating & cooling seats & steering wheels, etc ). They only gave me the trade-in value for a BASIC XXXX, with cloth seats and a standard radio, steering wheel, etc ). I had SEVERAL problems with the XXXX & was constantly complaining or visiting the service department, to inform them of problems with the vehicle. They fixed and even had to order & REPLACE parts, on what was supposed to be a BRAND new car! I insisted I wanted out, or to trade for another vehicle! They refused!!
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| 02/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
In XXXX of 2015 I purchased a used XXXX XXXX. after making 3 payments I was asked by XXXX to start making my payments through XXXX XXXX. Now It has been 18 months later and they sent someone to repossess my car. I have made the payments and they don't have them and I contacted XXXX XXXX and they said that XXXX did receive them. Now I am to turn the vehicle in or contempt charges will be filed against. I have made my payments the payments but no one will listen to me. Please help me resolve this matter. I have contacted XXXX XXXX and they have sent me to XXXX Remissions. It is quite ironic that their post office box is in XXXX, KY and so is the mailing address of XXXX.
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| 06/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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|
The vehicle was repressed and now I have the inaccurate Debt amount showing up on my credit report. BMW FINANCIAL SERVICES have knowingly reported inaccurate amount due to the credit bureaus. I also had Gap Insurance coverage on the vehicle paid off. Once a vehicle is repossessed and sold at Auction dont I suppose to receive partial reimbursement for Gap Insurance. BMW FINANCIAL SERVICES also has a address listed that I have NEVER LIVED before in my life. I think I could possibly be a victim of identity theft if BMW FINANCIAL SERVICES have been sending my mail to this address. ALSO BMW IS REPORTING THE DATE LAST ACTIVE is reported inaccurately to the credit bureaus.
|
| 02/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.
|
| 06/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On or about XX/XX/2019, I logged in and made our XX/XX/2019 car payment to BMW Financial Services. This payment cleared and was taken out of my XXXX bank account on XX/XX/2019. However, BMWFS did not credit the payment to our account until XX/XX/2019. This resulted in a 30 day late payment appearing on my credit report. I notified BMWFS about this error and they stated they would not correct the credit report.
I have attached a copy of my XXXX bank statement as evidence that the XX/XX/2019 payment cleared my bank account on XX/XX/2019. Therefore, the payment would have been made prior to XX/XX/2019, not after ( as they are claiming ) My account number is XXXX.
|
| 10/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BMW FINANCIAL SERVIC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 04/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
BMW Finical Services is reporting that payments of {$320.00} on the months of XXXX , XXXX , XXXX , and XXXX all as being 30 day late. A formal debt validation request was sent out to BMW Finical Services on the dates of XXXX , XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX with no response. Calls were also made in XXXX XXXX XXXX but I was told that they though they could see that the payments at that point were indeed not 30 days late there was nothing that they could do to help and that I would need to go through some other means to get the report removed from my credit report but could not give me the information on what that would be.
|
| 06/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
I leased a car in XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX.
i purchased the same car in XXXX. They made be buy extra warranties ( Optional car warranty and Wheel and tyre warranty ) stating I could cancel within a month, and when I cancelled it within the month. They were saying I should buy out the car with the warranty amount and then they could pay a check for my warrant amount to me When I bought the car+ warranty amount, they they changed it to they will pay with in a month, later after repeated visiting the center in XXXX and email they stated it may take more than 90 days. Now they are not responding to emails and not responding to my calls.
|
| 10/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Please update this inaccurate information.
Account # : XXXX Account Type : Installment Account Type - Detail XXXX XXXX XXXX XXXX Code : CoXXXX Responsible in Case of Default Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$92000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Account was in dispute - now resolved - reported by subscriber.
Account legally paid in full for less than the full balance.
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
|
| 10/29/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I returned a XXXX XXXX XXXX +++3 MONTHS EARLY+++ to BMW of XXXX XXXX, about a year and a half ago. The day when I returned the lease, the agent helping me took my credit card to pay the remaining amount remaining on my lease term, plus mileage overage, etc.
I recently received a letter from them stating that I am no in collections for not paying my lease termination amount .... How can this be possible when I purposely returned it early so I could buy another car. They even took the car, and had it on their lot for 3 months before they sent it back! This is what the agent told me later when I called back to complain about why I am being charged again.
|
| 12/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 12/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 12/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 12/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 12/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My identity has been compromised since the year XXXX. The thieves used my stolen information to obtain an auto lease with BMW Financial. I became aware of this situation in XX/XX/XXXX after receiving numerous credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, I reviewed my credit report and then noticed this account, which I was also completely unaware of. This account has been negatively reported since XX/XX/XXXX which is significantly affecting my credit score. I've disputed this account numerous times with no result and also have not received any information regarding this account from the company.
|
| 09/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with BMW FIN SVC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments were posted but no successful resolution. There was definitely an error on their part. Please report the payment status positive and update all late from reporting on this account.
|
| 02/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Telephone payment made via BMW system. The system did not post the payment at the time payment made. I discovered this error made by BMW payment system and notified BMW Bank. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error occurred at the time the payment was made. The telephone system provided by BMW Bank to consumers allowing the processing of payments is not infallible. BMW to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...
|
| 08/18/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
BMW finance is on my credit report for a car that was solely in my mothers name. Its affecting my score. I do not owe them any money. What happened is, I had a car financed through them but I wanted a bigger model. My mom and I went in to trade the car, but I was told I couldnt because of my score. So my mom bought the car, in her name only. They took the trade of the car in my name and financed the new Car ... although the car was in my moms name I drove the car and made the payments monthly. Well not quite a year later my mom filed bankruptcy and her car was included. But BMW wan na come after me and I never signed for the car. Please help.
|
| 05/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello. I leased new XXXX XXXX from local dealer XXXX XXXX in XXXX, XXXX . I asked them to mail my bills to my XXXX address, instead they made a mistake and were mailing my invoices to XXXX address. Due to not getting reminders I was 30 days late once, so they filed 30 days late payment on to my credit report. I had tried to call BMW and tried to dispute this info with credit bureau and BMW still refusing to take it off. I also got a letter from local BMW dealer, who sold me this car stating that they put wrong mailing address in their system, but even with that letter, BMW credit department refused to delete late payment of off my credit.
|
| 05/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a vehicle loan through BMW Financial Services. I was thirty days late for the XXXX XXXX, 2015 payment. XXXX of my credit reports state they the XXXX late was XXXX 2015 and the other says XXXX 2015. I have disputed this with the bureaus and BMW responded that they were reporting correctly and they are not. I have attempted to resolve this through contacting BMW on multiple occasions and I continue to get different answers. I am requesting assistance to have the credit reports report correctly as showing the payment was XXXX days late for XXXX 2015. I have attached a letter from BMW that I received stating the XXXX payment was late.
|
| 06/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have a problem with XXXX XXXX assistance in XX/XX/2018 I got a flat tire midnight and after I called road assistance two weeks after my wife and me got fraudulent transaction in our provided credit cards and we filed policy report not body take responsibilities, but now the situation is we cancelled the insurance for wheels & tires and the only thing I want is don't pay {$30.00} a month for this insurance but after they acceptance to cancelled the insurance they said over the email if I don't use the insurance or I don't have anymore still have to pay {$30.00} a month I don't want to pay that just pay the monthly payment for the car.
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
You are in Direct Violation of the Fair Credit Reporting Act - XXXX XXXX XXXX XXXXXXXX and BMW Financial Services has violated several of my rights.
15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy.
15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of serveral laws under The Fair Credit Reporting Act.
|
| 05/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
on XX/XX/XXXX, I have made a loan with BMW Financial Service. I'm in a good standing paying customer. The account is XXXX. This loan is suppose to mature in XX/XX/XXXX. Since today, XX/XX/XXXX, I've
officially pay off the loan via ACH transfer, which I've done so for past years as their customer. Yet, they will not release the loan due to ACH transfer is not a source of verified fund. I've been paying from the same source for the past 5 years on different accounts of loan with BMW FS. I do not think they are treating my right for pre-terminated the loan equally. I've attached a screen shot of my loan has satisfied for your reference.
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Bmw financial reported a 30day late payment which was incorrect.
I disputed this incorrect info with all XXXX bureaus and during dispute process with XXXX Bmw financial then corrected the info by sending response that the XX/XX/2022 payment was not late so 30 days late status was deleted. I then contacted Bmw financial again due to it was corrected on XXXX but not on XXXX XXXX XXXX.
They proceeded with another investigation and still did not change the XXXX & XXXX status but proceeded to go back to my XXXX report & reported another 30days late status for the same date of XX/XX/2022 that they had previously investigated & corrected!
|
| 07/22/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I paid $ 50k approximately for a used rental XXXX XXXX ; that is only reported being sold as $ XXXX ... Apparently the maintenance and detail purposely ruin the vehicle even more based off my readings and personal experience. Now after three days in the shop, they 've destroyed my interior, exterior, and engine! The interior they replaced the mats with older ones, stained them, stained the inside AND EVEN PULLED THE LEATHER!! I 'm the only person that sits in this car, there 's no way that just happened! The exterior now has numerous scratches that were not there! AND THE ENGINE NOW MAKES NOISE!! XXXX EQUALS FRAUD ABUSE AND WASTE!!!
|
| 06/13/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Servicemember |
|
I leased a XXXX XXXX BMW for 36 months, at the end of my lease I turned the car in. a few months later I received a bill for {$1100.00}. ( {$350.00} deposition fee, {$150.00} for lost key, and {$600.00} for crack in windshield ). my problem is the {$600.00} for the windshield. When I returned the car I took a video of the car while the employee was taking my plates off. There was no damage to the windshield. I tried to explain to the collection employees who continue to call me. I told them about the video that I had, both employees said it didn't matter. I asked how could a video not be proof? Can you please look into this matter.
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
My last lease with BMW Finance has a 30 day late showing on both my and my wife 's credit. We were exactly 30 days late as I was out of the country and my automatic payment with my bank expired. I paid it as soon as I learned of the issue ( exactly on the 30th day ) and BMW Finance said that they understood the issue and would remove it from my credit. They didn't ...
My family has purchased or leased 6 vehicles through BMW finance in the last 10 years ... and this has been the only issue we've ever had, and yet they have significantly harmed our credit as a result.
Not exactly good customer service given the circumstances.
|
| 04/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an auto loan with BMW FIN SVC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BMW FIN SVC and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and BMW FIN SVC with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
|
| 07/17/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I contacted the dealership once I drove off the lot of problems back in XX/XX/2016 with the vehicle shaking at 50-55 speeds. I brought the car into services multiple times when most of the times it was never documented that I brought the car in. I ask if the service manager if he can replace the car and there was no interest in to what I was saying of the problems the car faced. I ask the dealership to keep the car because I no longer wanted the car and now it saying I am responsible for the outstanding balance after being sold at auction. The new owners have also repeatedly brought the car into service for the same issues.
|
| 04/18/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I pay my payment to bmw on line as many people have a problem with their billing system you pay the lease payment on line then they contact you stating the payment did not post and Charge you late payment and reporting late fees I have had bmw leases for many years never had this problem till I did on line payment they are impossible to reach and give a constant run around its getting extremely frustrating I want theses 4 late payments removed it completely unbelievable why dont they contact people before the 30 days late no they just want to collect late fees its piracy please help me to remove this ASAP unfair reporting
|
| 05/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2019 I received two major inquiries in my credit file from Bmw Financial Services and XXXXXXXX XXXX. I never authorized or approved to them to check my credit file. I currently have a joint account were I am a co-debtor. The main debtor of the account was checking to open a new loan and removing me from the transaction, but, for some reason the car dealer and financial institution check my credit file when I have nothing to do with the transaction.
I never authorized anybody neither verbally nor written to make the credit inquiry. Both inquiries has impacted heavily my credit score and I am very worry of this.
|
| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have already provided the necessary documents for identity theft as well as proven the information has multiple inconsistencies across each credit bureau and requested that the validity of the accounts be properly verified. All parties have failed to provide me that proof. I have also found a publication on the IRS website in which the IRS defines a charge off as gross income ( Section 61 ( a ) ( 12 ) of the Internal Revenue Code specifically includes income from discharge of indebtedness as gross income. ) INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting inaccurate and fraudulent!
|
| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Ive disputed these items numerous of times, I have asked for proof of debt such a contract bearing my signature but no one can seem to furnish me with the document requested. Every time I dispute these items it comes back verified when I request debt validation everything is at a stand still. My personal information was looked up in the Florida Unemployment System back in XXXX by a State of Florida employee and I was offered XXXX XXXX by the State of Florida to protect my identity for one year which ended in XXXX. After my XXXX XXXX ended, unknown accounts were open in my name. I now have alerts on my credit report.
|
| 11/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
From inception of the vehicles lease, BMWs finance company has been allowing XXXX of the XXXX family to unlawfully credit their account with XXXX. XXXX of the XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly notes for the XXXX XXXX XXXX from XX/XX/XXXX. The Correct tender has been sent to said party to correct for set off XX/XX/XXXX Letter of Instructions were registered mail to The BMW Lease Trust XX/XX/XXXX Change of Terms Letter was registered mail to The BMW Lease Trust 1099a filing to the IRS and accepted.
|
| 06/26/2015 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXXNumerous repeat calls to my place of business and cell phone. When I called to inquire about the letter received, I was offered a debt settlement amount but it was a XXXX time offer with a unrealistic date basically XXXX days or if not I would be held responsible for the full amount with further legal action. The original debt holder " Charged Off '' this account and I was told verbally by the original debt holder that the monthly payments I was making are volunteer on my behalf. Therefore I stopped making them a few months ago and now I 'm dealing again with another collector.
|
| 10/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I purchased 1 car XXXX for my son used with XXXX miles on it and then a year later I purchased another XXXX exactly the same except for the miles. The first XXXX I paid down more to have less financing the second one was fully financed. I was paying off the one car with my XXXX XXXX account monthly with out an account number. When the other car needed payments I oaid the same way no account number. BMW was not using the payments toward the other car which caused a 120 late payment which then appered on my credit report. I am asking BMW financial services to remove the 120 late payments. The cars are paid in full.
|
| 09/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The account that appears below does not belong to me. I have reached out to the creditor and to the credit bureaus about this incorrect information that is reporting on my credit report. I am a victim of Identity Theft I have never ever had an account with these people. I have done all I can do by sending letters, conversations with numerous amount of people to resolve this matter. I am very mentally distraught! How can a person go through something like this and no one to turn to to get this matter resolved. I hope you guys can help me with this because I 'm tired of being dragged by the bureaus and this company.
|
| 04/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
I had four accounts with bmw financial. All paid on time. There was a lease end charge on one account and they applied it to another. I even paid again to try to resolve, yet they are reporting my account as being delinquent, resulting in a XXXX point score drop.
Dates : Acct paid of in full - XX/XX/XXXX Lease end balance paid - XX/XX/XXXX Additional paid advice what I owed XX/XX/XXXX I also told them since the beginning that I am XXXX and had really bad XXXX when we were first going through this, and maybe they applied it to the wrong account because of my condition. Yet they won't remove the negative report.
|
| 03/14/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I turned in my leased vehicle, XX/XX/XXXX BMW XXXX XXXX, and was released from the associated lease on XX/XX/XXXX. Despite only having the leased vehicle for 107 days during the calendar year of XX/XX/XXXX and properly closing out the lease, BMW Financial Services sent me a bill for for a full year of property taxes on the vehicle plus extra charges equating to {$1500.00}. I informed BMW Financial Services that I was willing to pay the property tax for the 107 days I leased the vehicle which equated to {$410.00} ; however, BMW Financial Services stated I was responsible for the full amount they paid on my behalf.
|
| 02/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
BMW financial services is furnishing my financial information to credit reporting agency without my consent written agreement.
Such violates my right under 15 USC 1681 Section 604 ( a ) ( 2 ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I have never given instruction to BMW financial to furnish any credit report agency any of my financial information
|
| 09/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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The loan is through XXXX for an auto loan on a XXXX XXXX. I have been trying to get into the website since XXXX to make a payment. The website wont open ; the message states : the resource you were looking for has been moved, had its name changed, or is temporarily unavailable. I have tried several different ways to access my account with no luck. I have contacted the lender at XXXX and received an auto answer that the institution is closed for unforeseen reasons. I have also contacted the Mini dealership who was unaware of the problem.
Have not received any communication from XXXX and, obviously, concerned.
|
| 07/28/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
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I was paying on my lease almost XXXX/month and I lost my job due to health issues and I am 3 months behind, I paid month to get my account current but the BMW Financial Service want the car back until I get the amount that I owe, I tried to explain my situation but they wont help me. They turn in my account to the debt collector and asking the car back even though I paid XXXX balance to be updated. They keep calling and harassing me, family and former employee.
I have no choice but to keep the car to find job and I am only asking if they can extend my contract for 2 months so that I am current in my account
|
| 11/01/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
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|
Web |
|
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BMW financial service is very unprofessional and did not do their jobs after charging {$100.00}. I need to takeover a lease from my friend and I have very good credit history ( 760+ for all three credit report ). On XX/XX/XXXX, I submitted my application. Then they call me said my XXXX and XXXX report are frozen. Actually I only freeze my XXXX report. I call back give them the access code. After one day, the told me I am rejected. But I didn't find any credit inquiry in my XXXX report. There is no negotiation, no reconsideration. If they made mistakes, they will also charge you {$100.00} and don not refund.
|
| 04/12/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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This was an auto lease for business. The auto was brand new and started having mechanical issues right from the start. I had to take the car in XXXX times within a XXXX month time period due to the electrical and mechanical issues. I had communications with both BMW finance and XXXX XXXX. This auto was a lemon and should fall under the lemon law. I will be obtaining an attorney if needed because this should not be reported as a charge off or involuntary repossession nor should it have any type of balance. I have included all correspondence via email and proof of the number of times that car was serviced.
|
| 05/07/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
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BMW Financial Services at XXXX keeps calling for a XXXX XXXX ( Not sure of spelling - that 's just a best guess ). These are robocalls, with absolutely no way to tell them that we have no idea who this person is. We have received at least XXXX such calls, and have attempted to call back to let them know - only to be confronted with a phone tree that has no option to speak to a human or to let them know in an automated fashion that their contact information is erroneous. This is not only harassment, but harassment of the wrong people. Please prosecute these alleged people to the full extent of the law
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| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Similar to the last incident that I've reported and probably stemming from the very same issue, i believe that someone else 's account has appeared on my credit and the account was opened at the same time as another previously opened account with a rental property. Im not sure how I can go about getting these removed or getting some proof that this inst me so I cant report it the correct way. My information has leaked on the dark web and experian and various other credit sources have let me know I just wasn't aware of the ramifications of not taking immediate action. Can we please get this removed.
|
| 02/03/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
BMW Financial Services has refused to accept a payoff on my lease account from a third party car dealership. The lease contract does not specifically prohibit this ( signed XX/XX/XXXX ) and BMW FS implemented this policy in XXXX of XXXX, in order to force the lease holder to turn their vehicle in to BMW, so that BMW may benefit and profit from equity in the vehicle due to the tight auto market. This is a deceptive practice as this was not expressly discussed at lease signing, did not exist at that time, does not specify in the contract, and harms the lease holder by denying equity they have earned.
|
| 08/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
BMW IS REPORTING NEGATIVE LATES ON MY ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX LATE REPORTING IS ON XX/XX/XXXX AND ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX, THESE ARE ABSOLUTE INACCURATE.
I HAVE WRITTEN REMOVAL REQUESTS TO BMW FIN SVS. BUT NO RESPONSE FROM THEM I HAVE REQUESTED THEM CURRENT LETTER OR ACCOUNT STATUS LETTER, BUT THEY ARE NOT RESPONDING.
AND PLUS THAT I HAVE CONTACTED BUREAUS TO HAVE THIS REMOVED THEY ARE NOT COOPERATING AND PLACING DISPUTE AFTER DISPUTE.
PLEASE HELP I NEED TO REFINANCE AND THIS IS AVERY IMPORTANT ISSUE AT THIS POINT IN MY LIFE.
I WOULD GRATEFUL IF YOU HELP ME
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| 05/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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I tried pulling my credit report to refinance the balance of my vehicle loan wit h BMW financial services. I come to find out that BMW repor ted me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the XXXX and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.
I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format ignoring to report.
In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).
It is very important that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain mortgage.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This account was transferred to another lender so the balance should be $ XXXXBMW FINANCIAL SERVICES claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.
Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
|
| 12/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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( XXXX ) XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I went in and looked at bikes the salesman said they we NOT running any Hard Inquires. He lied snd these inquires showed up. He said I was in the system from before so no need to run the hard Inquire. Id like to have them removed please and I give you the permission to assist me to resolve this, and give access to my info
|
| 06/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
The below complaint against XXXX was addressed to a XXXX XXXX from California in reply, nothing at all to do with myself or my account... I do not know the reason XXXX rep sent this reply to CFPB in reply to my complaint, it appears to be another error on end of XXXX ....
Payment in the amount of {$50.00} made via bill pay through XXXX, account issued by XXXX XXXX on XX/XX/XXXX has not posted as of XX/XX/XXXX. Payment made to XXXX account. I've used this same account, XXXX, in the past to make payments, all of which have posted with no issue, there appears to be an error on end of XXXX.
|
| 08/30/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My personal information and identity was used without my permission to purchase a BMW vehicle in XXXX. I filed a police report and also contacted BMW directly. I have attached the Police Report and letter from BMW stating they would investigate. And as of today nothing has been done to rectify the amount owed on my credit report. I have perfect credit and no lates ever on my credit report. However, this faticious and fraudulent account on my report that I have reported is hurting my credit. I have reached out to the XXXX, XXXX and XXXX on XX/XX/XXXX and XXXX and again nothing has been done.
|
| 09/29/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX, ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH BMW OF XXXX ON XX/XX/2021. A CONSUMER CREDIT TRANSACTION IN WHICH A FINANCE CHARGE WAS INVOLVED 15 USC 1601 DEFINES A FINANCE CHARGE AS THE SUM OF ALL CHARGES IN A CONSUMER CREDIT TRANSACTION. THE FINANCE CHARGE DOES NOT INCLUDE CASH BUT BMW OF XXXX TOOK CASH. THE FINANCE CHARG ALSO IS SUPPOSE TO INCLUDE INSURANCE BUT BMW OF XXXX MADE ME PURCHASE INSURANCE SEPARATELY. BMW OF XXXX WILLFULLY AND KNOWINGLY FAILED TO PROVIDE/DISCLOSE INFORMATION REQUIRED UNDER THE PROVISIONS OF 15 USC 1601.
THEY ARE NOW CIVILLY AND CRIMINALLY LIABLE
|
| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
BMW Financial Services continues to report incorrect late payments after numerous disputes with the credit bureaus. These incorrect late payments are severely affecting my ability to buy a home and buy another car with an affordable interest rate.
I have 5 total late payments reporting on each major credit bureau. I have the payment confirmation from my email to prove that all of these payments were made on time. I also have the corresponding bank statements to show each payment being deducted from my bank account.
I am requesting that each late payment is updated as an on time payment.
|
| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
I filed XXXX XXXX Bankruptcy in XXXX and this account was included. It was removed from my credit report along with other accounts that were discharged.
Somehow the negative account was placed back on my credit. On XXXX I reached out to BMW Financials and advised This account was discharged in bankruptcy and was put back on my credit report erronneously. Please remove as it is having and extreme negative affect on my credit. Any consideration is greatly appreciated.
As of today, XXXX, I have not received a response and the derogatory account is still listed and damaging my credit report.
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with BMW FINANCIAL SERVICE and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BMW FINANCIAL SERVICE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and BMW FINANCIAL SERVICE with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
|
| 09/29/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
On XX/XX/2018 I did a wire transfer from my bank account in the amount of {$7700.00} to BMW Financial XXXX at XXXX XXXX XXXX XXXX NJ US. The wire transfer shows the beneficiary bank being XXXX XXXX XXXX of XXXX XXXX, XXXX with an ABA/RTN number. This wire transfer was suppose to been for a truck that I thought I was purchasing using XXXX. But have not been able to get in contact with the seller. I have spoken with XXXX which informed me that my offer was denied but was at some point the conversation was intruded and I began speaking with someone else that perpetrated as the seller.
|
| 03/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Numerous documents have been emailed to BMWFS in regard to payment taken out of my account in error, XXXX on XXXX, an overdraft fee in the amount of 35.00 as well. Its been several weeks since initial documents emailed, they were confirmed received, still no refund issued back. BMWFS reps state the matter is being reviewed/worked on but nothing is actually done. The last rep by the name of XXXX stated she was working on it, requested new documents which she received, still indication of refund ( s ). Please do not mark this as a duplicate, there is additional information contained
|
| 05/03/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
My account got paid in full and because of COVID I was initially having a hard time. Every time I would call BMW they would tell me not to worry nothing will get reported to my credit bureau. I always checked with different representatives regarding this issue. After I paid my entire balance off BMW decided to report to CRA that I was late. This is misleading information and this should have never been reported to the bureau because I have always been on time. As of XXXX it is reporting 90 days past due. I paid the balance off spoke to representative and they advised not to worry
|
| 05/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My account with BMWF is currently past due for months of XX/XX/XXXX an XX/XX/XXXX, the total amount due shows XXXX as of today, XX/XX/XXXX. I do not know if this amount includes all late fees, returned check fees, etc. I am currently without a phone and am unable to call BMWF to make any type of payment arrangement ( s ). However, I have made payments totaling XXXX to date, amounts of XXXX received on XX/XX/XXXX, XXXX received on XX/XX/XXXX. I will make the outstanding balance, which I show is XXXX by XX/XX/XXXX. I request BMWF allow me this time, hold off on collection activity.
|
| 12/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My property was repossessed on XX/XX/21 by BMW FINANCIAL SERVICES NA LLC in retaliation against me, for filing fraud against the dealership who put me in contract with this financing company. When I requested a copy of the original note, I was sent a copy with XXXX forged signatures on it, which deemed fraud on their end, NOT MINE. I signed a document in front of my house to securitize the account, and in return that exact note was not provided to me when requested. This repossession and extortion and threat to auction my property due to fraud, is invalid and causing XXXX XXXX
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
The account was open fraudently.I was XXXX.I never open nor gave consent to open using my name.The account been reporting on my bureau after contacting XXXX and Bmw financial.I would ask respectfully that the last page of the documents.That not my signature on the contract for BMW.I signs the XXXX behind my name see id and social.If this cant be investigated properly and what procedure taken be forwarded to me via mail or email, I personally would ask for the legal address to serve suit. The name of BMW is on the face of the report as well as XXXX dates and a letter of XXXX
|
| 09/24/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
BMW Financial Services is inaccurately reporting a repossession that occurred XX/XX/XXXX. I have spoken with them, written them letters, and XXXX has also called them. At first I thought this was an honest mistake on their part, however, this has gotten worse after I filed a complaint with CFPB XX/XX/XXXX. In fact that lady I spoke with XXXX XXXX brought up the complaint. At this point I believe that they are re-aging the debt in an attempt to collect it. This is in violation of the FCRA. Please see the letters and my credit report that has showed the continue to do this.
|
| 12/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
BMW recently stated here in a prior complaint -they offered to take the BMW reported erroneous credit history information off my credit reports. The offending information was taken off my XXXX and XXXX XXXX but not my XXXX. This failure to act on BMWs part shows BMW is in the business of harassing people who complain about them.
XXXX has helped facilitate this fraud along with bogus credit inquiries made for my credit report without permissible purpose authorization. These issues will become a separate complaint about XXXX business practices and vindictive nature too,
|
| 05/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I totalled my vehicle in XXXX. After paying my deductible and confirming that I did indeed have gap insurance through the dealer from which I purchased my vehicle, the matter should have been settled. Now, six months later BMW financial is attempting to collect money from me in the amount of more than XXXX. They also ran my credit when I attempted to buy a replacement car. After the credit was ran they told me the vehicle for which my credit had been ran was no longer available putting an inquiry on my credit for no reason. The claim number is XXXX adjuster was XXXX XXXX
|
| 12/31/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My Car still hasnt been registered by the Dealership which they are required by law for any auto lease or finance.
As well they forged mine and the co-signers signatures on the closed ended lease contract they sent to the bank. The copy they sent me 3-4 months after taking delivery are not signed. I had the car picked up by my nephew and everything was signed and notarized in XXXX XXXX so it wouldnt be able to be r Esigned at the dealership which I believe it was by the sales managers which no longer work for the dealership or Finance manager.
XXXX XXXX XXXX In VA
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BMW FINANCIAL SERVICES Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
4. The inquiry was not authorized XXXX XXXX XXXX This is not mine.
5. The inquiry was not authorized XXXX XXXX XXXX XXXX This is not mine.
|
| 11/13/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem extending the lease
|
|
Web |
|
|
I was under the impression that my lease was up in XX/XX/XXXX so turned in the Vehicle a XXXX XXXX XXXX XXXX XXXX .I was told that I could do this and everything would good, well that wasn't true. I was completely lied to.
My lease wasn't up until XXXX of XXXX so now after XXXX told I could return the car and I would not have any charges now I'm bein charge {$22.00}, XXXX. How could they lie to me about this? I would have never return the car early if I knew they would charge me this much. I do not feel I should owe {$22000.00} after they said it was ok return it.
|
| 01/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
Hello, i bought a XXXX XXXX XXXX in XXXX XXXX. They collected first and last payment and the salesman signed me up for automatic debiting from my checking in order to save 0.025 % interest. After accepting this offer, i received a notice of 30 day payment delinquency the next month after i bought this car. XXXX XXXX said the salesmen never submitted my auto debit and was charged a non payment credit hit. I am desperately trying to payoff debt, raise my score back up in order to get purchase my second home but this is stopping my dreams from happening. Please help!!
|
| 09/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was charged a late fee when my due date is the XXXX of the month, there is a grace period after that but I was charged a late fee well before payment is due. My original due date was the tenth, it is now the XXXX and do not see why I should get a late payment fee. I '' ve attempted to call in to BMW Financial but they are never open when calling, I need to clarify why the late fee was charged and to adjust a payment I made, the date needs to be changed. However, I first need to clarify the due date is now the XXXX so the account does not go thirty days late.
|
| 09/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
: Service Manager XXXX XXXX sending me threatening letter to place a mechanics lie n and selling my car at auction for non-payment while I have been away for military service. I have paid nearly {$1000.00} and my 3-Series that Ive had serviced there for 13 years STILL DOES NOT RUN! XXXX XXXX has not been able to make any progress or give an accurate diagnosis of the issue since the car was towed there in XXXX of 2020. Service Mgr XXXX now charging me {$1500.00} dollars in storage fees and violating my rights under the SCRA or Service Members Civil Relief Act.
|
| 03/10/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
BMW Finance is reporting an involuntary repossession - charged off account with a balance owing of {$9800.00} on my credit report. I recently spoke to XXXX, a collector, who stated the repossession in question was on XX/XX/XXXX - and first became delinquent in XX/XX/XXXX - more than NINE years ago. I have tried to reach XXXX, XXXX 's supervisor to no avail. I have repeatedly disputed this account, yet BMW continues to report it beyond legal time limits and simply state that I need to start the dispute process " again '' and email a canned letter ( attached ).
|
| 10/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
By my understanding credit reporting need to be accurate on all 3-credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX has a status as paid and is still showing under collections.
The next account is BMW financial It has been closed for years and all of a sudden has a balance update of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This account also is not accurately reported on my other credit reports XXXX due amount {$25000.00}, it also says a status of charge-off. In the comments it is transferred to recovery.
|
| 10/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I spoke with a BMWF rep by name of XXXX several days ago, requested an extension for month of XXXX as a courtesy, due to fact the account has a little more than a year left on it, payoff quote is around {$15000.00} as of today, XX/XX/11. I was denied an extension, account is now over 30 days past due including month of XXXX I plan to make a payment in amount of {$1000.00} on or around XXXX, unfortunately, this will cause the account to become past due again for month of XXXX. I request BMWF grant extension as requested prior, due to length of loan remainder.
|
| 08/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
BMW financial > 5-7 years of credit history with BMW finance in good standing.
ex-spouse crashed vehicle in auto accident and auto insurer ( XXXX ) did not pay off totaled vehicle.
I personally adsorbed the debt and rolled into a new car loan during that time. I could not sustain the heavy monthly car payments > {$1200.00} per month. vehicle was re-possessed and sold at auction.
adsorbent amount of money still owed on the loan and I have been unable to purchase a vehicle due to the reported outstanding BMW debt and poor credit ....
XXXX XXXX XXXX XXXX
|
| 10/14/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
BMW Financial Services continues to report my account information inaccurately. They have fixed some issues which I appreciate, however, my account XXXX became delinquent in XXXX 2009, I made payments afterwards but it was never brought current. Therefore the date of first delinquency is XXXX 2009, they show XXXX 2009, XXXX 2009, and XXXX 2009 as current. This is in accurate, they were still at least 30days past due and therefore not current. Please update XXXX 2009 as date of XXXX delinquency, and XXXX, XXXX, XXXX of 2009 as 30 days past due. Thank You
|
| 04/30/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
BMW financial services ( BMWFS ) assessed a balance of over {$2500.00} upon vehicle return from a lease in XX/XX/2017. Payment arrangements were made through BMWFS for auto pay, however the account was sent to collection. Several attempts have failed to resolve the matter as both the collection agency hired by BMW and BMWFS refuse to clarify what will happen once the balance is settled. I have expressed my willingness to pay this account from the onset however they will not clarify how they will be reporting to credit bureaus once the account is paid.
|
| 07/23/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
BMW Financial Services charged me late fees for my monthly payments. I paid all the monthly payments and late fees. The late fees were paid afterwards but still NOT over 30 days late. However, BMW still went on to report it as a late payment to XXXX, even though ALL car payments were on time.
This is drastically hurting my credit which I work so hard to upkeep. Why would I pay over XXXX per month in car payments, and even extend one extra month, and delay XXXX dollar late fees?
Makes no sense.
Any help would be greatly appreciated.
Best, XXXX
|
| 08/09/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have an auto loan with BMW Financial USA. On their website, I had the option to set up an automatic debit for payments each month. This tool also allowed me to designate an additional dollar amount that would be drafted and applied toward principal.
While perusing my online account after the initial draft was applied to my loan, I noticed that the additional payment amount has been applied toward my next month 's installment payment and not toward the principal balance.
I am still in the process of resolving this issue with BMW Financial USA.
|
| 07/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : BMW FIN SVC XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
|
| 11/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
Purchased a XXXX XXXX through BMW Finance and they're reporting duplicate/negative information still since of which the loan has been paid off XXXX XXXX. Also to which previously was not negative since XXXX. Bc of refi, the loan shouldn't have reported negative. We are now 4 years and the refi loan was paid and original was supposed to have dropped off and was told they weren't supposed to report. They both were taken off XXXX and XXXX, but was still on XXXX. Now showing they're back on. So wrong and under FCRA they should be completely removed.
|
| 02/27/2023 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a car with BMW of XXXX, VA, back in XX/XX/2022. It is now XX/XX/XXXX and I still have not received a tag or registration for the vehicle. I have contacted the dealer several times to attempt to resolve the issue to no avail. The vehicle is no parked as it has an expired temporary tag and it would be illegal to drive. To me, the contract and loan terms have not been met because I paid for tax, tag, and titling fees. I'm beginning to worry that there may be some title issue preventing registration. Please help me resolve this issue.
|
| 03/11/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was notified by a BMW sales person when I attempted to buy a car at the dealership that BMW Financial Services states I have defaulted on a previous loan, when in fact I was a noted victim of identity theft in XXXX- XXXX. I have ONE VALID loan with Bmw in the past and that loan was paid in full and in good standing. when I first noticed the fraudulent second loan in my name I notified BMW and nothing was done. Now that I am ready to purchase another vehicle from BMW I am being denied a loan for a previous defaulted loan that was not mine.
|
| 08/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX BMW FINANCIAL SERVICES/CREDIT gave me a hard inquiry. I have NO IDEA where this is coming from. ( picture attached below ) I do not own a BMW. I have not applied for a BMW. And to be straight up with you I have been in California since XX/XX/XXXX. So i have zero idea where this is coming from.
Can you please make sure I do not get penalized for this and also get this hard inquiry taken off my report.
AGAIN, I have not applied for anything with BMW and they DID NOT have my authorization to pull my credit.
Thank you, XXXX
|
| 04/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I made a same-day payment to BMW Financial on the XXXX day ( XX/XX/XXXX ) via XXXX XXXX XXXXXXXX XXXX. I have an email confirmation/receipt from XXXX XXXX showing the payment was made and sent to BMW on XX/XX/2023 at XXXX pst XXXX pm eastern, which is before their payment cut off time. When I logged into my BMW account it showed that the payment is being reported as received on XX/XX/2023 ( 60 days late ). I reached out to BMW and they were unwilling to change the information despite my having proof of when the funds were sent to them.
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I sold my car to an individual and have the notary stamp on the sale of the vehicle. I sold the vehicle as a sublease, and the individual continued to make payments on the vehicle. However, the person that " purchased '' the vehicle declared bankruptcy in XXXX and made one last payment on the car in XXXX of that year. The car was repossessed and my credit was impacted and not the person with the signed notary. I sent documentation of this to BMW financial and they stated that I could not dispute this because a payment was made in XXXX
|
| 04/14/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I asked BMW Financial services for an extension on my lease pmt back in due to a medical emergency in XXXX to which they replied that could not be granted in a lease but the offered if i made a pmt then, they could change the date to give me time to catch up. I agreed and made the pmt and the change of date but instead of benefiting me they added another pmt. they violated the agreement and multiple managers agreed, but as of today after keeping my original agreement I do remain in a constant almost 30 day past due incurring fees.
|
| 06/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
A payment in the amount of XXXX made on XX/XX/XXXX was not processed because there was an error on end of payment system with XXXX XXXX XXXX. The payment was made on their web-site, the account number was one digit off, even though it was entered correctly at time when checking account was added. It took the account information with no error. A rep by name of XXXX advised me today, XX/XX/XXXX, the XX/XX/XXXX payment was reported 30 days past due when there was an error on web-site end. The correct account information was updated
|
| 05/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
BMWF has been calling repeatedly despite a payment arrangement or intentions thereof made with a rep on or around XX/XX/XXXX, I believe. The rep spoke with may or may not have noted my intentions/promise to pay which includes a payment in the amount of {$1000.00} via bill pay with my bank, XXXX. In addition to this, a recurring payment is set to come out also on the XXXX of every month. The account is past due for the month of XXXX, payment in XX/XX/XXXX will cover it and recurring payment on same date will cover XXXX as well..
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
BMW Financial Services reports my account as 30 days late when it has NEVER been 30 days late. I reached out to XXXX also for a resolution sending them the Statements for the months of XXXX, XXXX, XXXX, XXXX and XXXX which have payment due and received dates on them. I also called XXXX and the representative acknowledged that payment was not 30 days late, She stated give it 45 days and the issue should be resolved. After the review was completed the update was ND for current month and 5 late payments still remain on my report.
|
| 08/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
I was promised a low interest rate upon my auto purchase, but I received one that is on a scale ... .the interest rate starts out so high like {$120.00} @ month then slides as the car loan gets closer to the end. I did not want this and asked BMW for their promo rate of 0 % like many car dealerships are offering. BMW Financial has refused. Their advice was to refi after 6 mos and when I tried to do that, they gave me a higher int rate than I am currently offered. All I want is for them to reduce the interest rate as promised.
|
| 11/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the XXXX, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the XXXX
|
| 09/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I received a payoff quote from BMW Financial Services to payoff my lease on XXXX in the amount of {$51000.00} good through XXXX. The vehicle was sold to the dealer on XXXX. To confirm the figures, they requested a new payoff. They received a payoff in the amount of {$51000.00} good through XXXX. The lease was paid off a few days later on XXXX well within the time frame of the original payoff I received. BMW is now telling me, there is no overage and the payoff I originally received is voided as a new payoff was requested.
|
| 05/08/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I took my BMW in to the XXXX XXXX XXXX DE location in XX/XX/XXXX to start exploring getting a new lease since it was up in XX/XX/XXXX . While I was test driving they did an exception on my car and when I returned they told me no worries nothing is wrong with your car. Which I expected since it only had XXXX miles on it. I hardly ever drove other th an XXXX miles to and from work. I decided not to go with BMW an instead go with a XXXX . When we called they said no issues with turning it in early.
|
| 09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A ( section 4 ) : States that I have the right to privacy.
15 U.S.C 1681 Section 604 A ( Section 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
XXXX and XX/XX/2022 for the amounts of {$1200.00} each month.
|
| 02/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
After multiple discussions with BMW Bank of North America I asked a representative from XXXX ( personal bank used for bill pay ) to confirm payment was made twice for the period they accused me of being delinquent. BMW agreed payment was made and updated my account but reported it against my credit with a massive impact to my score ( 60 point drop ). This is a concern not only because they reported incorrectly that I was late ( proved this via XXXX rep ) but also because they accepted the payment and told me I was late.
|
| 09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
XX/XX/XXXX I settled and paid on BMW Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XX/XX/2019 and not reporting as the stated letter of the settlement.
I have contacted and sent proof /documentation to all three credit bureaus and they are saying that BMW is stating that the payments are reporting correctly per BMW.
The reporting is inaccurate as of XX/XX/2019 on all three credit bureaus.
|
| 06/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
hello, my name is XXXX XXXX and it is regarding a BMW account number XXXX my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies. please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agenci es ) . thank you
|
| 04/21/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
Returned lease XXXX BMW XXXX XXXX XX/XX/XXXX. I had to sign for returning the vehicle. I was not shown the inspection results. I signed and expected to pay only extra mileage and a return fee.
I was told I didn't need to pay now. I would receive a bill from BMW.
A few weeks later I received a bill of XXXX for wear and tear, tires, damage, mileage, and return fee.
The tires were within the limits, the wear and tear were within limits and the damage was within the circle.
I do not owe what they are claiming.
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. BMW FINANCIAL SERVIC XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
|
| 12/18/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
XX/XX/XXXX we filed a chapter XXXX! The BMW was not included at all in the bankruptcy! I turned in the BMW in XX/XX/XXXX! And yet they are still dinging my credit without my approval! This is definitely hurting my credit rating! I feel like I'm a Target I work very hard to have very good credit and yet they're still dinging me! This is America which is XXXX, I'm sure there's many XXXX people who experiencing the same situation! Trying to destroy us for no other reason than the XXXX of our skin!
XXXX XXXX XXXX
|
| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I financed my car with BMW Financial Services. I always paid on time. On XX/XX/23 I sold the car to XXXX XXXX XXXX in XXXX and they paid off the loan on the car. I have received confirmation from BMW that the loan was paid in full. However, they refuse to update my credit report to show that the loan is paid in full and that there is a XXXX balance. This is seriously harming my credit because it shows a very large balance due when it has been paid off and they even sent me confirmation that it is paid off.
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
BMW Financial Services Acct # : XXXX Balance : {$6600.00} I have filed complaints with FTC, Credit Bureau and Creditor and this information is still reporting on my credit file. According to Section 605B of the Fair Credit Reporting Act, I needed to provide proof of my identity ( I did ), the specific information that is a result of identity theft ( I did ) and a copy of the complete and submitted Identity Theft Report ( I did ).
XXXX, XXXX and XXXX have not corrected their reporting of this information.
|
| 06/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BMW FINANCIAL SERVIC with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016.
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My BMW financial account was paid off after several deferred payments during covid. After following all the terms, BMW financial placed ... a 30 and 60 day late payment on my credit report that included ONLY late fees. I was in contact with them monthly making payments and was NEVER informed. I was in a covid relief program. During such a stressful time I was rewarded for making set payments with 30 and 60 day late on my credit file. Again, the balance was only late fees which included fees during covid.
|
| 07/22/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX, XX/XX/XXXX, and In accordance with the fair credit reporting act, this creditor BMW Financial has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 07/22/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XXXX, XXXX, XX/XX/2022, and In accordance with the fair credit reporting act, this creditor BMW Financial has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 02/03/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Due to financial circumstances I was unable to continue my lease pymts. This was a 36 month lease and I made 24 of those payments. Bmw came to collect the vehicle and hit my credit report with a balance higher than the original lease amount. I only had XXXX in pymts left. The company refused to allow me to turn in the vehicle early since I was 90 days delinquent. This is unfair practices and my credit report should only include the remainder of lease pymts as amount due. They refuse to correct this.
|
| 06/07/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : -XX/XX/XXXX-30 Days late- -XX/XX/XXXX - 30 Days late- -XX/XX/XXXX - 30 Days late - -XX/XX/XXXX - 30 Days late- I am not sure how this happened, I believe that I had made my payments to you when I received my statements/bill. My only thought is that my monthly statement did not get to me, and therefore caused me to look at the wrong date. I'm sure I paid ontime during those months. Definitely not 30+ days late.
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
BMW FINANCIAL SERVICES Inquired on XX/XX/2019, XX/XX/2019 add a hard inquiries on my credit reports.
But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 02/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I tried to pay on my account multiple times, they said the payment was accepted and processed and then weeks later they would not inform me that it was not processed properly but i would see my current balance was exceeded my normal monthly payment, currently i have caught up on payments but i was caused to incur late charges from them as well as my bank for returned check or overdraft which was not the case. Because of this my credit took a serious hit because they reported a serious delinquency.
|
| 07/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
BMW Financial I've requested in writing multiple times the entire documentation available on the file including interest rate disclosures and copies of payments made and other historical accounting. Company either does not respond or when followed up by telephone says they will get to it eventually. because the items have not been produced in time in accordance with the fcra designer should be removed from my credit since they're not willing to back up their already fictitious filing on my credit
|
| 08/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was told I would receive monthly bills on XX/XX/XXXX. No bills have come to my home mailbox. I called and was told because I used the banks bill pay feature, I would have to contact the bank. I called the bank. Called back BMW asked to speak with Manager his name is XXXX same line about calling the bank. Told him I called the bank. Told him I have another checking account and may wish to write a check from that bank. Same deal. Nothing no customer service whatsoever total incompetence from BMW.
|
| 06/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
I purchased a 1 yr old BMW 3 series and applied and received a loan from BMW financial services. I was not told however of the high interest rate. I have asked BMW to reduce my interest rate, and they told me to wait 6 mos and apply for re financing. I did but I was told I would not get the rate my salesman told me due to some dealers offering a promotional deal of 0 % or 0.9 % ... .I have been trying to get BMW financial to reduce my interest but to no avail. Can you help a senior out? Thank you
|
| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
On XX/XX/2020 I got email XXXX XX/XX/XXXX. I saw they pulled my creditXX/XX/XXXX BMW XXXX 2 time XX/XX/2020 and One BMW XXXX XX/XX/2020. So, I tried to call XXXX XXXX XXXX 5 time. So, called customer and we talk about 3 minutes. XXXX XXXX XXXX and we talk, some pulled my credit 3 time XXXX XXXX XXXX. You need to talk to Finance Direct Department XXXX XXXX. So, I sent Mr XXXX an phone 2 time XX/XX/2020, XX/XX/2020 and 2 time XX/XX/2020. Mr XXXX and want call him back. The pulled my credit 3 time.
|
| 02/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX there was a {$750.00} emergency cash advance using my CC out of XXXX Florida. I live in XXXX ( XXXX ) Washington. I did not make this charge. Ive never even been to Florida.
I disputed the charge with my CC company ( BMW Card Services ) ( BMW Bank of North America XXXX theyve denied my dispute Twice. Ive spent approximately 20 hours over the phone, Ive written letters and now have a Attorney who also has written a letter.
Should shouldnt be able to happen. Hope you can help.
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My credit report shows hard inquiries i have not authorized. Also Auto loans i have not made are shown. I have repeatedly reported inhave been a victim of identity theft. All fraudulent records are dated XX/XX/2020. I have sent letters, made phone calls to all the institutions shown on my credit report that are related to the identity theft issue reported. I submitted a written dispute to XXXX XXXX XXXX, XXXX XXXX BMW Financial Services, and to the Federal Trade Commission.
XXXX XXXX XXXX
|
| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I already reached out to BMW FINANCIAL SERVICES and notify them of their error posting of information on my report. I requested for Method of Verification but they have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation
|
| 09/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
I have an auto loan with BMW USA. The send is through something called Alphera Financial Services. I urgently need a payoff quote so that I can pay the loan off and sell the car. The website has been down for days, I can not log into my account, and the telephone customer service number says that they are down for an unforeseen reason. So basically BMW, USA and its financing arm or both gone dark. I urgently need resolution to this, but can not contact anyone at either BMW USA or Alphera.
|
| 12/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American, Servicemember |
|
I called a couple of weeks after paying off the loan in XXXX and was told the title was in the mail and should have received it about ten days ago. Today I was told to call Massachusetts, no number, call MA DMV to get the title. I am not in MA and when I called the DMV I got the run-around. I took the loan out with BMV not the state of MA. The burden is on BMW to ensure I receive the title and their customer service was not helpful. I paid off the loan and have yet to receive the title.
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and BMW Financial Services. The Account Opened is BMW Financial Services Account Number : XXXX Date Opened : XX/XX/2010 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
|
| 03/19/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
BMW Financial Services is using multiple debt collection services and continues to collect on an invoice that has already been paid.
In 2016, the used XXXX from GA and now they switched to XXXX. There have been other collection services involved as well, however, I do not have access to the paper any more.
In all these cases, we provided the sufficient evidence that the payment has been made. BMW seems to ignore that information and is switching to another debt collection agency.
|
| 06/02/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Recently, I had my credit pulled and was alerted to a balance owed on a closed BMW lease from 2019 which surprised me as you met the terms of your lease and the vehicle was turned over in pristine condition.
I have received no notification from BMW via USPS mail or phone call to alert me of any balances owed or issues with the vehicle. Had I not requested my credit to be pulled, I would have never seen this or been made aware and it could have negatively affected my credit score.
|
| 03/02/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American |
|
I returned a leased car 10 months XX/XX/XXXX or XX/XX/XXXX to BMW Financial Services. Now they are billing me for XXXX Massachusetts excise tax. Despite knowing the lease was long over, they automatically paid the tax and claim it's my responsibility to fix it.
On the Mass. RMV site it clearly states the party named on the registration has to cancel the plates. I was able to verify on the RMV website that the plates were not active.
BMW Financial Services should be punished.
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXXXXXX XXXX XXXX XXXX BMW FINANCIAL SERVICES XXXX and XXXX XXXX XXXX XXXX
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.
|
| 11/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
|
| 07/19/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I am writing today in regards to my account with BMW Financial Services account # XXXX. I notice a late pay reporting in XX/XX/2020 and XX/XX/2020. This is during the declared pandemic by XXXX and Congress which the Cares Act was passed to assist anyone impacted during that time. I was greatly impacted at the time and was in the hospital and unable to make those payments. Once I was able to get my account up to date I made my payment immediately and have been on time since.
|
| 03/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX Inquired on XX/XX/2019 add a hard inquiry on my credit reports.
But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 12/26/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had a XXXX financed through BMW Financial Services and for some reason on my Credit Report it states " Balance Owing. '' I always have paid my bills on time with BMW. I am requesting that they as a good will gesture change their reporting to XXXX balance owing or simply respond to this complaint by giving me more information about this balance owing. I do not recall owing any money after turning this vehicle in. Please communicate in writing only no phone calls please.
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and BMW Financial. The Account Opened is BMW Financial Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
|
| 08/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I am having issues with getting a breakdown of fees from BMW. The amount inwhich they are reporting to the credit bureaus is inaccurate. I requested a breakdown of fees twice. What they sent was the same exact letter with only a different date. I want to see the breakdown not the total. This leads me to believe they do not have the information. If that is the case then they truly can not validate what they are reporting! I WANT A TRUE VALIDATE OF WHAT THEY INDICATE I OWE
|
| 10/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I traded in my old XXXX for a newer one and set up payments on auto pay as I've always done over the past 7 years with impeccable payment history.
XXXX failed to take out the payment from my auto pay and didn't contact me until I was past the 30 days.
I've NEVER Missed a payment to XXXX. I had the money in my account, and this was their mistake.
This is hugely impacted my credit score for something that was not my fault.
Please let me know what you can do to help.
|
| 07/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BMW FINANCIAL SERVICES with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
|
| 01/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In late XX/XX/2020. The local XXXX dealership requested 3 independent hard pull credit reports under 3 separate corporate names 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX ( parent company ) 3 ) BMW Financial Services in a 24 hour timeframe. These requests caused my credit score to significantly decrease. ( Almost 50points decrease ). BMW Financial Stated dealership should not have requested hard pull credit reports. I would like my information corrected and credit score restored
|
| 02/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and BMW FINANCIAL SERVICES with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
|
| 07/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BMW FINANCIAL SERVIC with no successful resolution. XXXX, XXXX and XXXX were the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
|
| 05/05/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
15 USC 1605 : Determination of finance charge.
|
| 10/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$20000.00} {$20000.00} XXXX XXXX XXXX {$0.00} Paid, closed 12 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$0.00} {$33000.00} Payment Info Status Paid, was a repossession Updated on XX/XX/XXXX Past due amount - Original loan amount - Monthly payment -
|
| 01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I DISCOVERED THAT THER IS BMW FINANCIAL SERVICES/CREDIT ACCOUNT ( ACC NO : XXXX ) IS REPORTING IN MY CREDIT REPORT. I'VE NEVER HAD BMW ACCOUNT. THAT IS WHY I FILED FTC IDENTITY THEFT REPORT AND SUBMITTED THAT DOCUMENT TO THE CREDIT REPORTING AGENCIES. ALL THREE REPORTING AGENCIES, XXXX, XXXX, AND XXXX DELETED THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, BUT RECENTLY XXXX REINSERTED A FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.
|
| 07/30/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
Back a year ago, I received a fraud form to be return to BMW Finance. I did return the form but never heard from the again.
About a week ago I received a letter where it states that the vehicle has been sold and I need to pay BMW Finance {$20000.00} From the beginning BMW has been told that this transaction was fraudulent and I never bought that car.
Now the insist that they will be sending me a collector to collect the XXXX for a vehicle I have not bought.
|
| 12/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Good morning BMW FINANCIAL, in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666 a creditor may not treat a payment on an auto loan account under an open end consumer credit as late for any purpose.
|
| 01/03/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Good Evening ; I was shocked when I reviewed my credit report and found late payment on the dates below : I make my payments on a monthly basis directly from my bank account. I'm confused how it showing late for the dates below ....
XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
my name : XXXX XXXX, My husband used to do my BMW car payment from his bank account ending in XXXX days ago found out that BMW reported me late on XXXX payment saying that payment was received on XX/XX/XXXX, and last date is the XXXX.
i asked my husband he informed me that he called on XX/XX/XXXX to issue the payment Attached is bank print out showing that payment was initiated on the XXXX, but its not my problem that BMW did it on XX/XX/XXXX XXXX XXXX
|
| 09/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with BMW FIN SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BMW FIN SVC with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2018.
|
| 01/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I pulled a detailed report of my credit recently and found several fraudulent accounts including credit cards, auto and student loans. I have disputed the items with the three credit bureaus as of XX/XX/2019. Some of the items stopped reporting on my credit but there are still quite a few that are and shouldn't be. Student loans totaling almost {$24000.00} from a XXXX XXXX XXXX. {$52000.00} in auto loans in default. These accounts have been disputed.
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor, BMW FINANCIAL, has violated my rights under 15USC1681, section 602 states, " I have the right to privacy. '' 15USC1681 Section 604A, Section 2 it also states, " a consumer reporting agency can not furnish an account without my written instructions. '' Under 15USC1666B, " a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. ''
|
| 07/13/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My car bill is on auto pay. To my knowledge the bill was getting paid every month. It appears that one payment was received by the company but then rejected. I was never informed that the payment was rejected. One payment was overdue for several months but every month a payment was made. The company has not been able to help me in this unfair situation. I cant get a mortage because of the late payments that was reported even though payments were made.
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy on all accounts.
15 USC 1681 Section 604 A Section 2 : It also sates a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose or reason.
|
| 07/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a late payment in my Credit Report due banking error in my bill pay, I called the lender to explain them and they requested proof. BMW had told me that if I could get a letter from the bill payment company detailing their error, BMW would remove the delay from the credit report. I have sent letters to the bill payment company explaining their error but have not received a response.
The account involved is the following : Account number : XXXX
|
| 02/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a loan with BMW Bank of North America for my XXXX XXXX since XXXX of 2015. I pay XXXX extra every month on the loan yet my interest each month remains the same. I can not log into my loan online so apply my extra payments to the principal because the website is perpetually down. I get a XXXX error that the connection timed out. I have tried to access the site from home and at work. How can I manage my loan when I can not log into the website?
|
| 03/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BMW FINANCIAL SERVIC were successful resolution. XXXX and XXXX wonly reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX2017
|
| 02/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors.
Someone stole my information and used them XXXX 1. XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX XXXX XXXX XX/XX/XXXX, 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX/XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX XXXX 1.XXXX/XXXX XX/XX/XXXX XXXX 1.XXXX/XXXX XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX
|
| 11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In accordance with the Fair credit reporting act XXXX XXXX # XXXX has violated my rights.
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy.
XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions.
XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 07/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Two bill payments sent from my XXXX account to BMWF have not posted as of today, XX/XX/XXXX. The payment amounts of {$100.00} and {$68.00} were scheduled to post today, XX/XX/XXXX, according to XXXX. Previously, a bill payment in amount of {$50.00} did post on time, delivered on XX/XX/XXXX, did not post until XX/XX/XXXX. I've spoken with BMWF rep, was advised there is an issue with bill payments posting, it does not appear the issue was fixed.
|
| 01/07/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
The car was towed by BMW and was damaged slightly.
The payments were all made on time.
I disputed the XXXX damages and the XXXX towing fee in Court.
BMW supervisor on the phone said they would reduce it to the {$6200.00}.
This was then paid off as agreed.
XXXX and the other Reporting agencies have it correct.
Please tell Transunion to change to Paid as Agreed.
This is dramatically damaging my credit score and is not correct.
Thank you
|
| 11/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act, this creditor, BMW FIN SVC has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
|
| 01/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX bought bmw financial serives na llc was not the company i bought vehicle they stated to irs that XXXX was a canceled payment that was not charged to me the truck white was repossesed and now they refuse to send a XXXX because i cant verify the phone number. but my social security number was and address but since XXXX i no longer have that phone number. So i need XXXX or i will not get income tax for the report they submit it to irs.
|
| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 that states I have the right to privacy.
15 U.S.C. 1681 Section 604 ( A ) ( 2 ), states a consumer reporting agency can not furnish an account without my written instructions.
Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 02/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I bought a BMW XXXX XXXX VIN # XXXX from XXXX XXXX BMW in XXXX XXXX NJ XXXX I purchased the vehicle on XX/XX/XXXX and now it's XX/XX/XXXX and still have no got no plates on my car due to title issues. I suspect that the car title was not cleared prior to being sold to me, therefore the delays and I don't seem to get any specific answers from them as of why this is happening so I decided to file a complaint and see if I can get this solved.
|
| 11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, i leased a vehicle with BMW finical and made all the payments as agreed in our contract. Covid19 hit when it was time to turn the car in and i had a new born at home so i couldn't come in contact with anyone because no one knew what was going on with this new pandemic. I offer for them to come pick up the car and they came 8 months later. Now they're showing on my credit that i had a repossession when i made all 38 payments on time.
|
| 01/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I called and paid a settlement amout to BMW Financial for my XXXX XXXX XXXX. Before paying the settlement amount I was told that since Im paying it off they would remove all of the late payments. Recently I have been keeping an eye on my credit and noticed that they never did. I called them last week to see what was going on and why the fees have not been removed. I was told that he didnt care what I was told he was not removing anything.
|
| 09/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I requested a bill statement from the creditor, and account holder. The information enlisted on the report is incorrect. Please remove the following accounts and information from my personal credit report including XXXX, XXXX, XXXX, my social security number and address. It does not belong to me. Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMW Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
To whom it may concern : My personal financial information has been used without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am writing to notify you that I have been the victim of identity theft. I am requesting that you release me from obligation for this debt and alert credit reporting agencies and collection agencies. I appreciate your consideration of this issue in advance.
|
| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
BMW Financial Services XX/XX/XXXX, XX/XX/XXXX This was a joint account and my credit report shows 2 late payments while the other person on the account shows 1 late payment. I tried to reach out to bmw but they will not remove it or look into it any further.
I have 8 credit Inquires from XX/XX/XXXX that i did not authorize XXXX of XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 04/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hi my name is XXXX XXXX XXXX writing regarding identity theft that occurred.I was recently checking my credit and found account that don't belong to me.I tried to fix information with credit bureaus and some creditors.I found out that some creditors have incorrect information.Fraudsters used my previous address and apply for cards and I sent them proof ( rental agreement ) that from XXXX XXXX to XXXX XXXX I was living in this address.
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| 07/22/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
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My XXXX XXXX was totaled in an accident on XX/XX/XXXX and was paid out in full by XXXX XXXX in XX/XX/XXXX. BMW FS was paid out in full, but they have reported on my credit file that I was delinquent with payments, As a result there is serious error on my credit report and my FICO score has been impacted.
As a result of BMW mistakes I can not get a loan to buy a home and I am suffering hardship due to the error made by BMW XXXX staff.
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| 03/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under the open end consumer credit plan as late for any purpose.
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| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for and purpose.
|
| 01/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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On XX/XX/XXXX I spoke with BMW FINANCING SERVICE REPRESENTATIVE from BILLING DEPARTMENT XXXX XXXX REFER NUMBER IS XXXX. This person verified that this information on my credit report is indeed inaccurate and should be removed from my credit file.
1. I have never been late with payments on this account.
BMW FIN SVC Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I disputed this late payment status with BMW twice now and XXXX XXXX and equifax. This account has not been late, and is current right now. I just want the account to be updated to on time because according to every single account including my actually bmw account it is still current. I would like whatever month is showing late to be deleted that lowered my score last week. I have been current on this account since XXXX.
Thank you
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| 05/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the fair credit Reporting act XXXX on my Account has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy.
15 USc 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B - A creditor may not treat a payment on a credit card / loan account under an open consumer credit plan as late or any purpose
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| 09/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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There was a late payment that hit my credit report in error after it was paid from the wrong account and the payment bounced. We made the payment again and it went through. I didn't even have the car in my possession and should not be responsible for this. Please help me with this as I am willing to go to my Attorney General in New York to get this rectified as he is 100 % for the consumers against the creditors and credit bureaus.
|
| 06/12/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/XXXX of XXXX and On XX/XX/2022 I, XXXX XXXX, a natural person and consumer, send letters to BMW requesting an XXXX XXXX so that I may validate the alleged debt and also letters to cease and desist violating me ( attached ). BMW has not responded to my request and it has been over 90 days from the first request and over 45 days from the second letters. My consumer legal rights are being violated. Certified letters on file.
|
| 11/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting Act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it XXXX have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
|
| 05/24/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
THIS IS MY SECOND TIME, MAKING THIS COMPLAINT THAT THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR. THE COMPANY STATED THAT THEY ARE NOT THE COMPANY TO ADDRESS THIS ISSUE, WHICH IS NOT WHAT THE LETTER STATES
|
| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
|
| 06/18/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
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Hi, my name is XXXX. BMW FINANCIAL SERVICES place a late payment on my credit report. It is dropped my score by XXXX points. BMW FINANCIAL services does not want to correct the error. They sent the statement to the incorrect address. I need to resolve this matter inmediately. I have been trying to reason with them and they did not want to do it. Please help it is affecting me personally in the business as well as mentally.
|
| 09/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights.
15 usc 1681 section 602 states I have the right to privacy.
15 usc 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
15 usc 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 03/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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There are fraudulent hard inquiries on my credit report that I did not authorize on my XXXX credit report. I reached out to the creditors and they refuse to do anything about it even though I've told them it's fraud. I also reached out to XXXX and they refuse to remove it as well, even though nobody can verify it.
Hard Inquiries : XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX of XXXX - XX/XX/XXXXXX/XX/XXXX
|
| 09/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I requested my auto pay be held for the month of XX/XX/XXXX, I spoke with a rep at BMWF on or around XX/XX/XXXX, she said she would request payment held until XX/XX/XXXX. Their web-site still shows payment to be pulled on or around XX/XX/XXXX, that rep did not do what was asked of her and needs to be corrected. I checked the site today, XX/XX/XXXX, it shows payment pending for XX/XX/XXXX, needs to held until XX/XX/XXXX
|
| 09/16/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened i have a cousin same name who used my name and there conspiring with him
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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In accordance with the Fair Credit Reporting Act this creditor has violated my rights! Under 15 U.S. Code 1681s-602 states " I have a right to privacy. '' 15 U.S. Code 1681as2 " It also states the consumer reporting agency can't furnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose ''.
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| 05/06/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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|
Web |
|
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I leased a BMW car from BMW Financial services in XX/XX/2019. During the Corona Virus lock down, they offered me two forbearance on my lease which I accepted. I applied for at loan at my bank in XXXX of this year and they denied me and made me aware that BMW Financial reported that I had three missed payments and late payments,. I reached out to them and they told me they did not report anything to the credit bureau.
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| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine
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| 02/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute BMW FINANCIAL SERVICES/CREDITUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
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| 01/26/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
I contacted BMW Financial services around XX/XX/2019. They responded ( attached ) in a rather evasive manner. I am not affiliated with any Credit Repair companies and would appreciate a timely response into the matter originally inquired ( attached ) .Please do not contact me by telephone and communicate in writing only please. This is the second Cfpb complaint I have had to file about this company ( 1st one XXXX )
|
| 01/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
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I had a vehicle financed with BMW financial services that was not covered by gap insurance for a small amount of {$3100.00} after a bad auto accident. I understand that a small balance accrued and wasn't covered by gap but this has affected my credit score a lot. I now have a new high interest rate loan with a vehicle and have gotten 10x better at managing my credit. Id like this removed from my history please.
|
| 01/28/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Creditor- BMW Financial Services Amount shown on XXXX - {$10000.00} Date reported : XX/XX/2020 Negative remarks : They indicated i owe them money when my account is closed. I was told on a recorded line that the amount of {$10000.00} would NOT be reported to ANY creditors within a year so we could potentially resolve this issues at hand. They have went against their word that was recorded on their phone line!
|
| 08/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX Account Number : XXXX
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I filed a complaint about bmw financial services account. They responded with a copy of a bill or lease agreement with handwriting thats not my handwriting and they dont have a copy of the identification of the individual that signed the lease. This is a fraud account and BMW NEEDS TO PROVIDE PHOTO IDENTIFICATION OF THE PERSON WHO SIGNED THE LEASE and if they cant the account needs to be removed and blocked
|
| 03/06/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
I attempted to assume a lease with BMW financial services. I was required to submit a {$500.00} assumption fee. They had me waiting for 2 months and cancelled my assumption and are refusing to refund me my assumption fee. They said to give them the last XXXX of the card used but that transaction was made 2 months ago and I dont have that card anymore. They are being dishonest and wont give me my money back.
|
| 11/06/2021 |
Yes |
- Vehicle loan or lease
- Title loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on BMW FIN SVC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 02/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, XXXX and XXXX, account never reported to any credit bureaus.
On XX/XX/XXXX I contacted BMW Financial Services and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.
|
| 03/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
BMW Financial would not accept a wire transfer. I mailed in a check ( personal ) which was funded, cleared, and confirmed on their end. They would not release my title for 10 days despite confirmation that my account was paid in full and closed. Their senior loan specialist, XXXX XXXX, stated that was their policy. They are holding an asset of mine, and likely of others, after evidence of funds transfer.
|
| 03/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I've recently checked my credit report from XXXX and XXXX and I was shocked to see a previously deleted fraudulent accounts were reinserted back to my credit file. The BMW Financial Services fraudulent account ( Acc no : XXXX ) and XXXX XXXX XXXX ( Acc no : XXXX ) were disputed and deleted in XXXX of 2020. However, XXXX and XXXX reinserted the fraudulent accounts after a month without notifying me.
|
| 11/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My name is XXXX XXXX. Dob:XX/XX/XXXX, Last four of SSN : XXXX. I am writing to report that a lawsuit has been filed for BMW 's violations of California Credit Reporting Act. They have not responded back or even notify that they are aware of the process.
If BMW want 's this lawsuit dismissed, the late payment needs to be removed from my credit report on the account # XXXX.
Attached is the suit copy.
|
| 08/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for BMW to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.
|
| 05/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a loan with BMW FIN SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BMW FIN SVC with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
|
| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Its been more than 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. they have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.
|
| 04/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Every month I get statements from BMW stating that I made a payment. I have repeatedly tried to contact BMW, with no response. I've contacted their privacy team, no response. Nothing I do gets a response from this company. Since someone used my email when they got their loan, I now have access to all of their personal information and BMW doesn't care. CFPB is my last attempt at trying to get this off.
|
| 10/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I contacted Bmw financial to change my account from derogatory to current.There is a late payment showing in XXXX, however, the vehicle was refinanced on XX/XX/XXXX and Bmw received payment on XXXX XXXX payment would have been due on XX/XX/XXXX, the day they received the payment.
This has impacted my credit score tremendously.BMW is refusing to change the status and am asking for your assistance.
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
NOTICE OF DISPUTE Account Number XXXX Upon discovery after viewing my consumer report I see that BMW FINANCIAL SERVICES is report-ing a late payment to XXXX, XXXX & XXXX XXXX This alleged late payment is inaccurate & a clear billing error. Pursuant to 15 USC 1666b ( a ). I did in fact not receive my periodic statement 21 days before my billing due date causing this late payment to be null & void.
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late for the month of XX/XX/2017 and 60 days late for the month of XX/XX/2017. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
|
| 11/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and BMW/ XXXX XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : BMW FIN/ALPHERA FIN SVCS ; Account number : XXXX, has violated my rights.
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
BMW FINANCIAL SERVICES account # XXXX was Open XX/XX/2018 is reporting inaccurate information on my credit. Per my agreement after closing and paying off the account all negative marks will be removed but its reporting different on my credit. The account is not a collection and hasn't been recently updated, Please update my report to show verification, if the account can not be verify remove it.
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are four accounts on my credit that DO NOT BELONG TO ME. I did not open these used them or even know how they appear in my credit.
BMW FINANCIAL SERVICES - Acct # XXXX XXXX {$27000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$460.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX XXXX {$560.00} Opened XX/XX/XXXX XXXX
|
| 02/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Bmw financial has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with Bmw and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and Bmw financial has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.
|
| 02/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
BMW auto was totaled in XX/XX/2014 due to an accident. My insurance paid my loan in full in XX/XX/XXXX. BMW has been reported for 5 years that I was 30 days late and that it was in collections and part of a bankruptcy. I have attempted to resolve directly with bmw and credit bureaus with no result. I believe they are purposely doing this do I will have to pay more with following contracts.
|
| 10/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
XX/XX/XXXX I mailed an affidavit of truth, exhibits of violations, invoice and notary presentment to XXXX XXXX XXXX a division of BMW Financial Services NA , LLC. This company is in violation of selling and transferring my information in connection to my consumer credit transaction without my direct consent. Failed to provide me remedy for the fraudulent activity connected to my account.
|
| 11/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2018 I setup an online account with BMW Financial and also setup an auto pay account. I was assured the payments were setup for this auto pay but received a call a few days ago stating my account was past due. I made a payment of {$1300.00} ( 2 months payments of {$690.00} ) immediately and also reconfirmed the autopay was in fact activated for future payment to avoid this issue.
|
| 12/07/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American, Servicemember |
|
My previous complaint was closed, XXXX, but not resolved to my satisfaction. A small amount was deducted but my point was not addressed. I received a notice for the first time 8 months after the leased vehicle was returned and was refused to be present. This should not happen and now BMW expects full payment in 2 weeks.Also the online amt due is not reflected to what it was adjusted to.
|
| 11/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
BMW Financial Services continues to report an auto loan on my credit report, despite me receiving a discharge from a bankruptcy in XXXX. I filed a bankruptcy onXX/XX/XXXXand received a discharge in XXXX, XXXX. However, they continue to report the status of the account. In XXXX, XXXX and XXXX, XXXX, they reported the account 30 days late. This is in violation of the bankruptcy discharge.
|
| 12/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have a car loan from BMW Financial, I was down two payments, they called an threaten repossession of the vehicle. I made arrangement to pay on two different dates, which I did. The last payment brought my account current. I am a few days late with my current payment, less than 30 days, yet everyday as early as XXXX XXXX I received calls from BMW Financial. AT times 2- 3 times a day.
|
| 02/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
This account with BMW FIN SVC with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
|
| 03/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I've recently sent out three disputes about my BMW Financial car loan with XXXX, XXXX and XXXX. These are the dates of the disputes XX/XX/2020, XX/XX/2020 and XX/XX/2020. On all three of the disputes I've been told that the accounts are verified but I have yet to receive any proof of the accounts being verified. On my XXXX and account the total of the balance has been set to {$0.00}.
|
| 08/12/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act Account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
This account has reported two late payments, which is inaccurate. Ive never been late.
|
| 02/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've made many attempts to contact the company I've already informed them many times that the account was opened fraudulently and I've sent them police reports, FTC affidavit my license and social and my dispute letter I've contacted them while at the police station with the detective that is handling, y case and they are still refusing to remove and/or block this fraud information.
|
| 07/19/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Alphera Financial Services is the original creditor. They have me owed for XXXX that is not my debt. The date of activity is different across the bureaus. I have reached out to all 3 major credit bureaus ( XXXX, XXXX, XXXX ) and disputed this account. XXXX removed the account but XXXX and XXXX are still reporting this inaccurate information. Can you please investigate this matter.
|
| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I made a payment on my car loan and also there was an ACH. The company is BMW USA and they lost my payment and did a partial ACH and didn't record it as any payment credit. Ive tried talking to them and they refuse to acknowledge my payment even with proof from my bank account. As such, the bureaus refuse to help because BMW will not correct my payment history from XXXX years ago.
|
| 11/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
My car was totaled XX/XX/2021 and Im a single mother of XXXX and had to buy another vehicle so I had 2 car payments I reached out to the CEO and multiple persons at BMW financial and they would not work with me. I have now sent in additional letters asking to settle for 1000 Thats all I can afford.
Please help me No one at BMW is willing to help Me I have been paying 100 a month
|
| 11/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
|
| 11/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
|
| 10/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was never late on a payment. The monthly amount was automatically sent. At the end of the lease there was a lease termination fee that was not included. I had leased several times through this company. This was not automatically paid. This did not come to my attention for several months and was immediately paid through biller website.
It is listed as sent to collections.
|
| 09/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
The XXXX lady tried to stuff 2 products on me! A former XXXX director and mark up 2pts on me! Soon to be charge back after I refi in 20 days! That 's bad business! One thing I never did! Stuffing customers and not actually selling the products! Worse experience ever!!! Know your personnel! And your customers XXXX XXXX was the finance Mgr XXXX XXXX XXXX XXXX automotive group
|
| 05/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX deleted the error with XXXX but XXXX and XXXX still has it on the report. Been fighting this from early as XX/XX/XXXX and latest XX/XX/XXXX. Would like for this inaccuracies to be deleted from XXXX and XXXX.
Also with bmw financial service. The motorcycle accident was paid out fully by XXXX Don't knw why this on my consumer report and account been closed from XXXX.
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have filed disputes regarding the late payments from on my BMW Financial services account. They are saying that a payment was not made but in fact a payment was initiated to them. This inaccurate reporting is affecting my score by XXXX points. This is my last and final attempt to have BMW financial correct the 30 day late before I have to pursue legal action. Thank you.
|
| 12/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
|
| 02/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have an auto loan with BMW FIN SVC XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part.
BMW FIN SVC XXXX
|
| 07/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX reports incorrect derogatory information on my credit reports with payment status as collection/chargeoff. This account was settled by BMW which is the primary creditor. Therefore XXXX XXXX XXXX has no legal standing in this matter. The offices of XXXX XXXX XXXX along with a court appointed mediator settled this case. The final resolution CASE DISMISSED!
|
| 03/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am trying to pay my monthly bill for my lease and also set up XXXX. Mini Financial Services is not able to accept my bank. The website, and evidentially their internal systems, say that my bank routing number is invalid. Actually, the routing number is valid and works with every other financial institution. I want XXXX to take this seriously and address their issue.
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Several unexpected loan inquiries on my credit report on XX/XX/2021 when I arrived at the dealership with my own financing from my credit union XXXX XXXX. These unauthorized inquiries included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX BMW Financial Also XX/XX/XXXX, XXXX was another unauthorized inquiry as I already had approval from BMW Financial on this day.
|
| 07/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My credit report was accessed with no autherization from me and the company will not delete the inquiry although i have not requested any forms of line of credit from them. I called customer service on XX/XX/XXXXand requested that the inquires be removed from my report and was told no and that the company was not obligated to provide any proof of credit line request.
|
| 09/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
The car has been reprocess, I was try to resolve the problem due to the financial hardship with the XXXX XXXX and work a few day sometimes pay the rent and not enough to pay to car, was contact them since the California has push the payment and people who is struggling to pay till the XXXX XXXX XXXX XXXX XXXX XXXX. The BMW wasnt assist at all, they were repo my car
|
| 11/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
i was told that i need a down payment on my car, so i put XXXX down payment, however pursuant to 15 usc 1662b ( no advertisement to aid, promote or assist directly or indirectly any extension of consumer credit may state ) also the seller bmw of gwinnett place and bmw financial has a lien on my bmw and is forcing me to make monthly payments or they will repo my car.
|
| 12/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
BMW Financial Services is currently reporting 4 months of payments 30 days late to each of the credit bureaus, when they were not late. They have confirmed this information for me, but will not update the information correctly. When XXXX, XXXX XXXX and XXXX investigate BMW is not cooperative. My complaint is for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
|
| 06/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
BMW claims I have or had an account that I do not recognize. I further state under penalty of perjury, that I do not owe BMW Financial any money. I have already completed and submitted an Affidavit and Police Report. The purchase contract sent to me by BMW shows not my signature, nor the correct address which should be obvious that there is something very wrong.
|
| 05/10/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I checked my XXXX credit file and found several inaccurate files. My personal information was shared illegally without my knowledge or permission. I maintain the right to privacy and do not wish for my personal information to be shared by any organization without my permission. My right to privacy according to the Fair Credit Reporting act was clearly violated.
|
| 04/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
i was XXXX XXXX XXXX XXXX my wallet was took i contacted police right away after was falsely XXXX and given XXXX years when released i notice this account i sent in police report even my release papetrs id for another state please explain to me what info you are using to verify this information i would like to resolve this soon or i will see you in court thanks
|
| 05/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX , XXXX 60 days XX/XX/XXXX 90 days XX/XX/XXXX 30 days XXXX XXXX am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 09/22/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
BOTH BMW AND BMW FINANCIAL SERVICES ARE " FRAUDULENTLY '' REPORTING TO ALL CREDIT REPORTING AGENCIES - XXXX, XXXX AND XXXX ACTUAL LAST THE DATE OF USE " AFTER THE BANKRUPTCY XX/XX/2010 ''. ACCORDING TO FRCA RULES AND BANKRUPTCY RULE, THESE NEGATIVE ACCOUNTS WILL BE DELETED BY NOW. BOTH BMW AND BMW FINANCIAL SERVICES ARE CRIMINALLY RESPONSIBLE FOR THIS FRAUD
|
| 01/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I HAVE RECENTLY CHECKED MY CREDIT REPORT AND IN MY AMAZEMENT, THE FRAUDULENT ACCOUNT WAS REINSERTED IN MY XXXX CREDIT FILE. I'VE DISPUTED THE BMW FINANCIAL SERVICES FRAUDULENT ACCOUNT ( ACC NO : XXXX* ) ON XX/XX/2019. XXXX, XXXX, AND XXXX DELETED THIS ACCOUNT FROM MY CREDIT REPORTS. HOWEVER, XXXX REINSERTED THE FRAUDULENT ACCOUNT WITHOUT NOTIFYING ME.
|
| 09/20/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
at end of lease, turned vehicle in at XXXX XXXX, XXXX calfornia. car was in perfect condition.
Dealer claimed vehicle to be in " great condition '' subsequenlty, BMW financial services charged me {$400.00} for undescribed " excess wear '' Tried to contact BMW financial, no success.
at beginning of lease, had purchased policy to cover " excess wear ''
|
| 06/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
BMW financial services is reporting me 30 days delinquent for my XXXX XXXX 2017 payment. I made this payment and it withdrew from my account on XX/XX/XXXX. Less than XXXX calendar days later. It was due on XX/XX/XXXX and posted to their account on XX/XX/XXXX. There should not have been any credit reporting. This has dropped my FICO score significantly.
|
| 11/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
On XX/XX/XXXX I went to XXXX of XXXX to purchase a vehicle using credit. I purchased the vehicle for personal, family, and household use and was financed through BMW financial. XXXX of XXXX demanded and forced me to make a {$6000.00} down payment in order to complete the purchase. pursuant to 15 U.S. Code 1605 no cash payment should have been collected
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I've sent several letters to the credit bureaus and financial company in reference to removing late payments from my credit report because it is unlawful. I have tried to send Good Will letters as well due to my medical emergencies and illnesses but they did not attempt to resolve it and assist me even though I have currently caught up on my payments.
|
| 08/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX XXXX XXXX, XXXX XXXX XXXX, and BMW BANK OF N.A.. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and BMW BANK OF N.A. with no successful resolution. There was definitely an error on their part.
|
| 12/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
My husband and I have a car loan with BMW through XXXX. Our payment is {$500.00} a month and which we signed up for. We 've had difficulty making our payments the last few months. We asked them to refinanced it and they said we were not approved. We told them more than once that it is hard to make our payments and they have not given us any relief.
|
| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
BMW Finance has reported to all 3 bureaus a 30 day late payment. According to the FRCA, creditors can report a later after 30 days. They have acknowledged that the payment was received on the XXXX day in XX/XX/2023, yet refuse to update their incorrect reporting. I have disputed this with all 3 bureaus as well, however the outcome has not changed.
|
| 06/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My credit report showed one 30 days late payment. I disputed this because I wasn't sure if this was accurate. I tried a Goodwill letter and even tried talking to a rep at BMW financial and he told me they have to report accurate information to the CRA. I asked for poof and never received anything. My account is paid off so I no longer have access.
|
| 09/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
i purchased XXXX XXXX XXXX back in XXXX of XXXX for my wife to be, or whom i thought it was just o find out she was only using me for my money. the wedding didnt happen, we broke off our engagement, went through tough tough times, struggling with finance for a long period of time, i had to give up the car because i can no longer make the payment.
|
| 06/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
paid my loan in full on XXXX / XXXX / 2017 and is still reporting as an open account affecting me getting approved for a mortgage . Bmw financial services said there is nothing they can do I have filed a dispute with XXXX and they said BMW i s not responding. although the account has been paid it is still reflecting on my credit file as open.
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My BMW auto loan account is reporting in a delinquent status with 30 days past due.That information is incorrect, my account is good and up to date with the payments. As consequences they have closed 2 of my existing credit cards and lowered the balance on another. I need this to be removed from my credit. It is affecting my finances in general
|
| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There is an account that is currently reporting diffrently to each beuroe. i have disputed this account numerous times with each beroe. they st6ate that the data furnisher has varified the account they also have not provide me with verification of dept. This account is reporting illgally and should be removed at once from my cunsumer profile.
|
| 04/09/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
When my new car was totaled, the dealership refused to acknowledge my repeated requests to cancel my Maintenance Program Upgrade Agreement for a full refund, in accordance with the terms of that contract, despite XXXX letters and XXXX emails requesting the same. The lienholder never received the refund and has sent the account to collections.
|
| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX*CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE.
Diputes : XX/XX/XXXX Bmw financial services XX/XX/XXXX Bmw financial services XX/XX/XXXX Bmw financial services {$3700.00} Paid on XX/XX/XXXX Date opened XX/XX/XXXX Status Open.
Status updated XX/XX/XXXX Balance {$48000.00} Balance updated XX/XX/XXXX
|
| 08/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have wrote several letter to BMW financial and called several time to BMW Financial to speak with the proper department or a manager to resolve an issue in regards to my current lease and reporting on my credit bureau.I would like to be able to speak and get in contact with the management team to discuss my account and credit reporting.
|
| 09/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
please find attached the creditors letter for which they have approved of the delinquency being inaccurate for my BMW accounts XXXX letter attached ).
i have already received approval from the creditor to have this inaccuracy removed therefore please help to have the credit reporting agencies remove these negative marks as well thank you
|
| 07/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have an auto loan with BMW Financial Services, I 've been trying to remove XXXX 30 day lates that are on my credit report. I received a copy of my payment history reflecting the payments they received from me but they are not correct. I would like assistance from CFPB in solving this matter and having these lates deleted from my credit.
|
| 03/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have found myself in the midst on an identity theft issue that has effected a credit report. a couple accounts were opened and inquiries added, although i know i have not applied or tried to open any new accounts BMW FINANCIAL SERVICES on XX/XX/XXXX with an XXXX balance is not an account i authorized. XXXX XXXX opened on XXXX XXXX XXXX
|
| 02/13/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
account number XXXX BMW financial services, is reporting XXXX delinquencies on my records for the mentioned account number, to the best of my knowledge that never happened and need to be removed since these are hurting my credit. i would need your help since i have been disputing many times and they never responded me back with evidence.
|
| 09/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
|
My credit report I recieved on XXXX XXXX, XXXX is showing on XX/XX/XXXX I opened an account for a auto loan for XXXX. I did not do this! I never agreed to this loan. And I never had a joint account for any of my car loans. Please take this off my credit report and whatever was charged off my bank account replaced. Thank you, XXXX XXXX
|
| 05/10/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
BMW Financial Services, XXXX XXXX XXXX, XXXX Bank, XXXX XXXX XXXX Has reported inaccurate and illegal information to my XXXX credit file. I have never agreed to or given permission to any of these companies to share, report or use my personal information in any form. They have use my information to report inaccurate debt and balances.
|
| 06/13/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My car depreciated extremely over the course of one year since I had bought it. No one would refinance me, and bmw refused to help me after calling for a month and asking for some sort of bail out. I decided to voluntarily repossess my car. I left it at a bmw dealership, faxed back the paperwork that was asked of me and left it.
|
| 10/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Dispute with XXXX failed to remove an inaccurate 30 day late with BMW Financial Services. Instead, BMW updated the tradeline with an ADDITIONAL 30 day late across all 3 credit bureaus. I have disputed the tradeline again, with screenshots from my bank statements that show electronic payment dates - no payment was 30 days late.
|
| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have reached out to BMW Financial services multiple times to explain that they are reporting late payments incorrectly on my report. Even though I have requested information on the dates that I paid versus the dates that they received payment, they continue to inconsistently report the late payments across the 3 bureaus.
|
| 08/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL MY NOTARIZED DOCUMENTS TO BMW FINANCIAL SERVICES AND TO XXXX. I AM CONSUMER WHO IS A VICTIM OF AN IDENTITY THEFT, I HAVE NEVER REQUESTED OR WANTED TO BUY A CAR FROM BMW FINANCIAL SERVICES. I HAVE NEVER DRIVEN A BMW, THIS ACCOUNT IS NOT MINE, IT WAS NEVER MINE.
|
| 04/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
BMW auto has report a 30 day late on my credit report. The date of the derogatory was XX/XX/XXXX 2017. This payment was never late as evidenced from the payment history provided by BMW on the attached XX/XX/XXXX & XX/XX/XXXX statements. Payment due on the 6th of each month, both monthly payments paid prior to the 6th.
|
| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act, BMW Financial Services Acct # XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 02/17/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
My mother is XXXX years old!! They called her 7 times today alone!! I told them, on a recorded line, to stop harassing my mother yet they persist. My mother is now afraid to answer her telephone. We are in Texas in the mist of one of the worst winter storms on record and they will not stop!! This should be illegal!!
|
| 06/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem extending the lease
|
|
Web |
|
|
I am writing about my account with BMW Account # XXXX this account was always on autopay. When the lease was extended for some reason the autopay was stopped yet as soon as I was made aware of this I quickly got the account caught up.
I am also requesting copies of my contract I signed when taking out this lease.
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Problem with product or service terms changing
|
|
Web |
|
|
On XX/XX/2022 I have purchased a new vehicle and financed it with BMW Financial. I have a fraud alert on all my credit reports but the finance company has never called the number listed on the report which is XXXX and verify if I am in fact opening the loan - this has violated my Fair Credit Reporting Act rights.
|
| 02/26/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
BMW will not reverse a late payment '32 days due to a mistake that they made. i 've disputed and send in letters, all denied my appeal, they will not admit fault and I have proven to them over and over it occurred due to a customer service rep not recording a date change. They even admitted he did not do his job.
|
| 02/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Hi I was reviewing my credit report and I saw a bmw on my credit report I dont know who took it out, I tried calling bmw they wont release the contract who signed for it I naver ever gave someone permission or authorization to take out a car the date is XXXX XX/XX/2020 XXXX loan Please help me out to report this
|
| 08/12/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I am an XXXX service member with XXXX. I have a leased BMW that I 'll be turning in under the SCRA. I am 1-year into my XXXX-year lease and put approximately {$4200.00} down as a down payment. BMW will grant me early termination of the lease but they are refusing to give partial reimbursement of my down payment.
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is XXXX XXXX who is submitting this CFPB complaint myself. BMW FIN SVC item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
( BMW FIN SVC XXXX )
|
| 12/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
Around XX/XX/19, BMW repossessed my car.
The car was not 90 day past due.
BWM added attorneys fees over {$2500.00} to the car not.
BMW demanded that I pay over {$4500.00}, which included the attorney 's fees, to get the car back.
The gave me 5 days notice after they took the car to pay {$4500.00} to them.
|
| 10/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payments on the following dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed I made all payments to you when I received my statement. My only thought is that my monthly statements did not get to me.
|
| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My credit report is showing late payments to Bmw Financial Servic XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Bmw Financials customer service representative.
|
| 06/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
BMW FINANCIAL Reported a late payment when I made 2 payments at once.They refuse to correct the situation.
BMW refuses to correct or even consider this matter of complaint.
Oddly, they did not even charge a late fee.
Usually when people pay late, a fee is charged.
Supporting photos attached.
Thank you
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
On XX/XX/16 I traded in my XXXX XXXX to XXXXXXXX XXXX XXXXXXXX GA for a XXXX XXXX XXXX. They couldn't obtrain financing and pay off my trade till XXXX. They didn't notify me and I repeatedly contacted because I was also unable to obtain a legal plate within 30 days and could n't drive the financed car.
|
| 06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed that this debt continues to report. This debt is well over the statute of limitations Michigan and are past the credit reporting limit. This is a violation under the FCRA and must be removed.
|
| 05/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX , XXXX , XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit reports are showing a late payment error from BMW. I never been late on any of my statements with them. This late payment error is bringing down my XXXX score unfairly and I need this corrected right away or I will be looking into filing a claim against them for defamation of my character.
|
| 04/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
After my auto was totaled, my insurance company paid it 's portion. For the difference, I submitted a claim to my GAP insurance company. It has now been five months and the claim remains unpaid. In the meantime, BMW has reported me to the credit bureau for the difference which remains outstanding.
|
| 03/21/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I had a lease car with BMW, due to loss of job two years ago I had a payment plan with them. Even after taking care of everything once I got the job. They still report 21 late fees and they won't take it off. Now everywhere I go to get a new car they are giving me a lot of problems. Please help.
|
| 10/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
First of all the company BMW Financial is not my account second they are filing late pays on my report, and the credit bureau is letting them do this. According to 15 usc 1681b they can't. Furthermore they won't let me dispute reports that the statue of limitations is 2 years pass the limit
|
| 10/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
BMW Financial has failed to provide material disclosures regarding this consumer credit transaction. BMW Financial has failed to provide documentary evidence for this consumer credit transaction. BMW Financial has not provided detail regarding whether they have resold my promissory note.
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
disputing fraud accounts that are showing up on credit report as of recent. The companies seem to be ignoring my calls regarding these disputes and I really need these fraud accounts removed as I've been a victim of Identity theft due to lax in all the account securities in the companies
|
| 09/12/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This report was outdated. How did you verify it when I see that the date iit was last reported was still XX/XX/2013? Date of last active as well is XX/XX/2013. This is also a PAID account so why do you have a Late 30 Days for it's payment status? This is insane! DELETE this immediately.
|
| 06/22/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have a new car lease on a 2021 BMW with BMW Financial services. BMW Financial Services will not speak to me about my lease when I call and instead transfer my call to BMW of North America customer service. I can not manage my lease, speak to anyone, etc. about this new vehicle lease.
|
| 10/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX,2018/ XXXX XXXX2018, XXXX XXXX 2018 and XX/XX/ 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX Letter was sent to BMW Financial Services, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, in 2022 in an effort to remove late payments from my account. I was sick with XXXX and fell behind due to not working at the time and they did not provide grace and remove late payments.
|
| 12/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Traded in my BMW and we were given a 10 day payoff good through XXXX. Check was received by BMW on XXXX but they refuse to close my account and charging way more per diem after the already received the check on XXXX they wo n't even apply the check. This is clearly inappropriate.
|
| 06/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 12/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OBTAINED CAR LOANS, HOMELOANS, MEDICAL AND ETC. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2016 XXXX. XXXX
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
On XX/XX/11 I received a call from a debt collector asking about a past due balance from a company ( BMW Financial ) that Ive never voluntarily established credit with. It was later confirmed that someone used my personal information to establish credit without my consent.
|
| 07/11/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I leased a car from BMW financial services. The lease is for XXXX miles. After XXXX miles the breaks broke. Now they want me to cover the expense. I am particularly frustrated with their strategy to refuse responsibility and move my complaint from department to department.
|
| 09/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
The XXXX XXXX made unfair charges without evidence for almost two years.
They could not provide any proof for any damage. They sent two page inspection report after two years with any inspector company name or signature.
The car was under lease in best condition.
|
| 01/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
BMW FINANCIAL SERVICES XXXX Date opened XX/XX/2019 Balance {$47000.00} ;
|
| 10/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/2020 I reach out to the creditor ( BMW Financial Services ) reporting incorrect credit report information to the three agencies The creditor failed to investigate and refused to remove the incurrent information in a letter date XX/XX/2020 ( see attached )
|
| 08/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I made payments over the phone that BMW attempted to debit from the wrong checking account. I have called and spoken with phone reps who told me even though they made a typo that it is my responsibility to make my payment. I made my payment and they made an error.
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
I prepaid a lease over XXXX years ago but the company is still reporting the prepaid information.
A company is only supposed to report information for 7 years. This company is still reporting this information after 7 years which is a crime according to the FCRA.
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I submitted documents to show a 90 day late on an account that was closed for multiple years. The information on the account was incorrect.
I submitted certified letters requesting transactional information regarding the sale of the vehicle by the creditor
|
| 02/07/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
BMW Financial Services reported a late payment to the credit bureau after they received my payment on time. They received my payment on XX/XX/2016, and falsely did not process it until next day. As a result, a late payment was reported to the credit bureau.
|
| 03/09/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I had my bankruptcy chapter XXXX discharged in XXXX 2018. I did not keep my vehicle and I surrendered it at a dealer. BMW put me out to collections for {$32000.00} 3 months later - despite the debt being fully discharged and the car being their possession.
|
| 01/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
BMW XXXX - inaccurate account reporting on my credit reports. Corporation reports another entity owns the loan. They dont have permission to report it on my credit profile. Either one is not supposed to loan credit aggravated identity theft. 18us1028a.
|
| 01/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
they keep denying me wont tell me why i keep asking for specific reasons they wont tell me why they blacklisted me they told multiple dealers this customer is balcklisted will never get a loan with bmwXXXX XXXX financial services nto sure this is legal
|
| 10/24/2017 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated FDCPA in multiple ways : - They contacted my employer more than once, on XX/XX/XXXX and on XX/XX/XXXX- They contacted a relative and left a message, then disclosed that they are attempting collect a debt.
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
BMW FINANCIAL SERVICES - INQUIRY - DATE : XXXX, 2021 - CALLED CREDITOR XXXX XXXX XXXX - INQUIRY ( 2 ) - DATE : XXXX, 2021 - CALLED CREDITOR XXXX - INQUIRY - DATE : XXXX, 2021 - CALLED CREDITOR XXXX XXXX XXXX - INQUIRY - XXXX, 2021 - CALLED CREDITOR
|
| 04/17/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
BMW Financial Services called my cell phone at XXXX on Tuesday XX/XX/2018. A voicemail was left. The number that appeared on my caller ID is XXXX. The person who left the voicemail is named XXXX, and it was requested that I return his call to XXXX.
|
| 03/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Back in XXXX I leased a XXXX I paid it off owing XXXX XXXX in XXXX, all 3 credit bureaus have me owing a balance of {$5200.00} I have reached out to all 3 Bureaus several times XXXX removed the debt & put it back in my report a few months later..
|
| 05/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I dont know the exact time. they wont give me any information because the ssn dosent match what i gave them. Its not mines. I never received a car loan. I suffer from XXXX and XXXX its hard to focus and deal with this situation. Its not my loan.
|
| 05/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
|
| 10/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2018 my account was reported 30 days late when in fact when they are suppose to report late 30 days past due date when it was only 14 days.
BMWFS services.
I disputed this account multiple times and they refused to fix my account.
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I contacted BMW Financial over a month ago regarding account. I also contacted XXXX, XXXX, and XXXX XXXX regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed immediately.
|
| 09/21/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
XXXX Account Type Installment Loan Terms 36 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid - Payment Status Details Paid, was a repossession Status Updated XX/XX/XXXX Ownership Individual Original Amount {$23000.00} -
|
| 11/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
BMW Financial services is reporting information to all XXXX credit bureaus, incorrectly. I disputed the information on all XXXX credit bureaus, yet they still report it incorrectly. I need the account removed, completely, from my credit file.
|
| 06/19/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I am being contacted by a collection agency in reference to a vehicle that was obtain thru identify theft. I called and wrote to BMW finance explaining the situation but I have not receive and Identity theft report to fill out and send back.
|
| 01/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
BMW has made an inquiry on my report which I did not authorize. I have tried to contact BMW with the address they have provided XXXX and the address is wrong. I have sent many correspondence to XXXX and BMW and BMW has not replied to any.
|
| 08/01/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2018 BMW Financial Services reported to XXXX that my account was uncollectible. I have already paid this loan. I paid this in full. This is affecting my credit score and terribly affecting a loan I'm in the process of obtaining.
|
| 08/04/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, The BMW Financial Services account on my credit report does not belong to me and I demand a cease and desist removal of the tradeline on my report.
I have no affiliation with BMW whatsoever.
|
| 12/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX is now showing my payments to BMW Financial services as " late '' over 7 occurrences which is false causing a severe point score drop on my scores. I have never been late with this account payment. They should correct immediately.
|
| 01/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I did not authorize a hard credit pull of my credit. I only authorized a soft pull.
Any hard pull of my credit is to be reduced to a soft pull or removed altogether.
No authorization was given to have a hard pull of my credit file.
|
| 09/06/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I came in good faith as an applicant and applied for automotive financing through bmw financial services on XX/XX/2022, BMW financial services willfully discriminated against me during this credit transaction. Please See Attached
|
| 05/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have tried to communicate this issue only to have BMW financial services yet they claim they do not believe I am the one sending the correspondence I have attached notice of billing error along with evidence stated in my notice
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
See attached uploaded file for the letter and explanation. BMW Financial put a 30 day late on my credit report and is refusing to remove it. It was not 30 days late but then it reports on my credit report in two different months.
|
| 08/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XX/XX/2022 bmw took three payments from my checking account. They say they only Took one. My bank sent them a charge back for two of them. BMW sent me a letter saying my bank denied my payment. Even tho they took three payments.
|
| 05/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Evidence of non-compliance with my report. Injurious reporting of non-compliance, failure, non-certified information on my report and its negative impact on my financial situation.
XXXX and XXXX non compliance and violation.
|
| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I sent in letters to the credit bureaus stating that i had invalid and unverified information on my credit report and I have not heard anything back from the credit bureaus. Please remove the accounts from my credit report.
|
| 01/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now.
BMW FINANCIAL SERVICES XXXX Date Opened : XX/XX/2019 Balance : {$73000.00} ;
|
| 12/16/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
I had a previous issue with BMW Financial Services. It took awhile, but a gentlemen named XXXX XXXX from BMWFS contacted me to help me through the process. He was kind, informative and courteous. Great customer service!
|
| 08/22/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XXXX is reporting me as 30 days late in XX/XX/2020 which is not correct. I thought I was given a deferment due to COVID-19 and that I couldn't be marked as late. Please help me fix this and get it off my credit report.
|
| 11/13/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Received a collection call from the company who has the loan. It is a vehicle loan. The collector said that they would take my home and that the dealership made the first payment, if so there is no issue. Total lies.
|
| 05/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Unfortunately, at the time of the incident mentioned above, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
|
| 07/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
BMW financial services inaccurately reported a history of payments on my auto loan. I have asked them to investigate and send me a copy of their investigation. They haven't responded within the required time frame.
|
| 04/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Someone had been using my information without my permission and I am disputing those fraudulent hard inquiries below 1.XXXX XXXX BMW XXXX 2.BMW Financial Services XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXX
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/2019 BMW FINANCIAL SERVICE, reported my payment as late. I set up an auto payment that month because I went of town. It obviously didn't go through on their end because all other payments were paid on time.
|
| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I made and electronic request on XXXXXXXX XXXX site through XXXX and no one responded to my inquiry to investigate and remove XXXX XXXX XXXX, an inaccurate item, on my credit report in the amount of {$19000.00}.
|
| 03/13/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have submitted information to this company stating that I was a victim of identity theft. They failed to work with me but instead stated that it was my fault, regardless of the police report filed I sent over.
|
| 05/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
BMW financial services has not provided me with lien release for my vehicle despite the fact that I paid off loan months ago. They keep saying they will send it to me but never so despite many calls and emails.
|
| 08/06/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Hello, BMW has received this vehicle and they're reporting it as an Account charged off. The Term of the contract was 36 months and they're reporting as 38 months. I paid all 36 months as agree in the contract.
|
| 11/15/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
BMW Financial Services can not validate this account. BMW Financial Services fails to show my liability toward this account, such as a signed contract corresponding my Social Security number with my signature.
|
| 08/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I submitted a complaint BMW financial -- -see file. The response is a single payment > > {$28.00}, XXXX by next month XX/XX/2022. This is not a viable option for me and I can not meet this one payment offer.
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
BMW financial services is reporting a balance twice on my credit report. Also the balance is incorrect. I do not owe BMW anything. They also have an account trying to collect twice with a collection firm.
|
| 10/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
IN XX/XX/2021 BMW FINANCIAL REPORTED MY CAR LOAN LATE AND OPEN WHEN IN FACT I HAVE NEVER PAID ANYTHING LATE ON MY CREDIT AND THAT VEHICLE CAR LOAN IS PAID IN FULL AND CLOSED BUT IT IS REFLECTING AS OPEN.
|
| 03/31/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
This is an accounting error on BMW 's end. They are reporting me late in XX/XX/2020 because they messed up. I called them and they even confirmed it was an error on their end. I am very upset about this.
|
| 04/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
i have 2 Late Payment With 2018 XXXX XXXX Account since Covid 19.
no i do not have late payment but i still see a 2 late payment on history also made a late fees.
and currently account is up to date
|
| 06/16/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
BMW Financial took my car in 2014 and they continue to damage and report old information on my credit report way past the 7 year laws. I need for them to remove all information from the credit bureaus.
|
| 06/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account don't belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory in XXXX.
1. Identity Theft BMW FIN SVC Account Number : XXXX This is not mine.
|
| 07/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I authorized an agent at a BMW retailer to check my qualification status for a loan on a trade-in. The agent then proceeded to pull my credit 4 times, from four different lenders without my consent.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX
|
| 06/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
someone has taken my personal info and has opened accounts that have been negatively effecting my credit and life as a whole. the inaccuracies of these accounts need to be thoroughly investigated.
|
| 04/28/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.
|
| 06/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.
|
| 04/27/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never late on this account. Please find attached letter. Please do not call me communicate in writing only. If you do call me do not record me or use automated dialing systems/tech.
|
| 10/18/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have a BMW lease payment where I make a XXXX payment. I recently have opened up a new business and have gone through financial hardship and have been late on the XXXX and XXXX payments.
|
| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
THE BMW ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT DOES NOT BELONG TO ME. I NEVER REQUESTED THIS ACCOUNT TO BE OPENED. SOMEONE STOLE MY INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT.
|
| 11/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
BMW Financial Services is still reporting that I an outstanding debt on my consumer credit file. This information is not correct. I would like this account deleted from my credit file.
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The following companies are committing identity thief by report fraudulent accounts on mt credit profile which is a violation of the fail credit reporting act 15 US CODE $ 1681C-2.
|
| 05/14/2023 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
There is a repo report on my credit which is incorrect I do not have the car nor was I purchasing the car it was a lease and was returned I am still being charged for this.
|
| 06/18/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I try several times ask for more time to pay my past due balance but unfortunately BMW financial never give me a chance, then I Voluntarily return the car to the dealership
|
| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Please review and note my perfect payment history speaks for itself, the reason I was late for these payments were extraneous circumstances, I did not receive statements.
|
| 07/22/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
The BMW auto lease we tired to pay off the loan however they refused to take the last XXXX payments. We requested validation from BMW and they only sent a form letter.
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
THIS ACCOUNT SHOULD BE SHOWN CLOSED PAID AS AGREED BMW ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT IS BEING REPORTED WITH A BALANCE THAT IS NOT CORRECT
|
| 07/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.
|
| 01/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
see attach FTC violations XXXX XXXX XXXX funding credit XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX could not add all accounts on FTC maybe more to come
|
| 05/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by BMW FINANCIAL SERVICES on XX/XX/2016 which l have no idea about it at all.
|
| 09/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
Paid my loan off a year ago. BMW financial has yet to provide me my title. They say they released it, but they will not take any responsibility for furnishing it.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
The is incorrect and things did not happen that ways and car was delivered to then with payments and the car was sold at aution and the is not supposed to exits
|
| 09/30/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Been disputing this account a not mine this is been close and not mine BMW FINANCIAL SERVICES since 2012 Acc # XXXX call them was unable to get more information
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
BMW Financial Services has been disclosing my personal information to third party entities without having provided me with my right to opt out of such action.
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.
|
| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
i been a vicitim of identity theft and someone is using my personal information to obtain credit. I did not authroize the inquiries on my credit report..
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I did not consent to, nor benefit from, or authorize any of the following accounts : BMW FINANCIAL SERVICES {$21000.00} BMW FINANCIAL SERVICES {$3000.00}
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 11/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The XXXX years from my first delinquent payment has already passed and it is still showing up. I have tried to communicate with them with no success.
|
| 01/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
while login on to my credit monitoring I noticed that a few accounts that was on my report 1.XXXX XXXX XXXX {$740.00} 2.Bmw financial services XXXX
|
| 03/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am trying to close on a home and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
|
| 11/28/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
The Company BMW financial, They refuse to remove negative comments on my credit report even though I have explained my reasoning and explanation.
|
| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I did not authorize any of those companies to Run my Credit. Below you will see the attachments of all inquiries that I will like of my Credit.
|
| 02/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Although I make my payments timely, they are continually reporting my payments as late when, in fact, I pay them before they are actually due.
|
| 01/12/2017 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I have been receiving automated calls all throughout the day, including evening after XXXX with no agent, just recordings, This is NOT by debt
|
| 11/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.
|
| 08/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
when checking my credit report there was some fraudulent accounts on my credit report I will like for these items to be removed asap!!!!
|
| 04/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Lease amount has been paid in full. Incorrect information shown on credit report. Need information updated by BMW on credit report.
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XX/XX/XXXX {$88000.00} charge off!
XXXXXXXX XXXX XXXX {$39000.00} Bmw financial services XX/XX/XXXX XXXX balance
|
| 02/11/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my lease in XXXX and have not received my title. I call bmw and they assure me it is going out but I do not have it.
|
| 03/26/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid the BMW Financial debt through a collection agency and it is still showing unpaid on all three credit bureaus.
|
| 08/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Account on my report stayed longer than 7 years and still getting reported. Disputed some things but keep getting denied.
|
| 07/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Somebody open a credit card fraudulent in my name I have police report and notified and they still report it to my credit
|
| 04/06/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I do not recognize this account as it was opened as aresult of identity theft and needs to be removed from my record asap
|
| 11/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
This account was charged off and would like to remove it or ADD XXXX balance to account from all XXXX credit reports
|
| 07/25/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
the car was paid off, an i had XXXX insurance with this car an the XXXX insurance didnt pay when the car was totaled
|
| 12/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
BWW FIN SVC XXXX # XXXX THIS ACCOUNT CAME ON MY REPORT, ITS NOT MINE AND I WOULD LIKE IT DELETED IMMEDIATELY!
|
| 11/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was not 30 days late for the following months ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
|
| 04/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
SOMEONE OPENED MANY ACCOUNTS IN MY NAME, WHICH I HAD TO FILE BANKRUPTCY ON AND ITS INCCORECTLY REPORTING
|
| 09/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX try to cancel a warranty never did after 4 months nothing happend
|
| 12/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
inaccurate information no knowledge of accounts cra violation please remove from the credit bureau
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/2023 I paid a full balance owed of {$32000.00} and they never updated my credit report
|
| 10/12/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Bmw Financial servir keep calling for me make a payment of a debt that the insurance payoff.
|
| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been writing dispute letters since XXXX and have nonthing have been done about it
|
| 07/16/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone stole my identity and opened many accounts without my permission or authority.
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone stole my identity and opened many accounts without my permission or authority.
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I shouldn't have any negative reporting from BMW Financial debt is paid in full.
|
| 09/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
the violation repo is an FTC violation sent to the police dept and the creditors
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is a Fraudulent Account on my credit report with BMW Financial Services
|
| 11/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
1. Opened last XX/XX/XXXX amount : {$19000.00} we see the problem XX/XX/XXXX
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I asked the all late payments be removed from all three credit bureaus.
|
| 10/19/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Billing and errors dispute. Inaccurate investigative consumer reporting
|
| 10/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Please See Police Report Attached the person was CAUGHT AND CONVICTED
|
| 09/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I access over XXXX dollars in fees from Bmw Financial in late fees.
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was a victim of identity and someone tried to buy car in my name
|
| 04/12/2017 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Discussed my debt with my neighbor. Harassing me and my neighbors.
|
| 07/05/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX IS REPORTING FRAUDULENT DEBT ON MY CREDIT REPORT.
|
| 08/04/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
Dispute late payment on BMW lease account.
|
| 01/29/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Older American |
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Servicemember |
|
|
| 01/09/2024 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 01/07/2024 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Phone |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 12/26/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/26/2023 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 12/25/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/21/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
Servicemember |
|
|
| 11/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
|
| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Voluntary repossession
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Notice to repossess
|
|
Web |
Servicemember |
|
|
| 09/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 09/12/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/12/2023 |
No |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/12/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 09/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
|
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Phone |
|
|
|
| 08/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
Servicemember |
|
|
| 08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/26/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/22/2023 |
No |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
|
| 07/21/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/21/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 06/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 06/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/30/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web Referral |
|
|
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 05/12/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/11/2023 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 05/11/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web Referral |
|
|
|
| 04/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem extending the lease
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American |
|
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/04/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/22/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/22/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web Referral |
|
|
|
| 02/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 02/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 01/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 12/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/08/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 11/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
|
| 11/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/17/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/07/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Referral |
|
|
|
| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 10/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
|
| 09/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web Referral |
|
|
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/12/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 09/06/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 09/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 08/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Referral |
|
|
|
| 08/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Postal mail |
|
|
|
| 08/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 07/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Older American |
|
|
| 07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/12/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 07/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 07/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/07/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 06/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 06/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 05/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/20/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/05/2022 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Phone |
|
|
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/28/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 04/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 03/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 03/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
|
| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 02/25/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/30/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 01/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 01/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 01/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 12/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 12/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/10/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
Older American, Servicemember |
|
|
| 12/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/07/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/07/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 11/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Phone |
|
|
|
| 11/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Vehicle loan or lease
- Title loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/13/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Confusing or misleading advertising
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/08/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 09/25/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 09/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 09/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
Servicemember |
|
|
| 08/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Phone |
|
|
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/18/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 08/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 08/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 08/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 08/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 07/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 06/28/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/16/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
|
| 06/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 06/09/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/29/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with credit report or credit score
- Incorrect information on your report
|
|
Phone |
|
|
|
| 05/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
Servicemember |
|
|
| 05/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/06/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 04/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 04/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 04/27/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
|
| 04/22/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
|
| 04/12/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Servicemember |
|
|
| 04/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/09/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/25/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Phone |
|
|
|
| 03/24/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 03/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
|
| 03/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 02/18/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 02/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/06/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
|
|
|
| 01/30/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 01/19/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 01/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/07/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 12/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 12/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/28/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 12/22/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 12/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 12/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/02/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Postal mail |
|
|
|
| 12/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
|
| 12/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 11/25/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/12/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/29/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 10/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
|
|
|
| 10/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
Older American |
|
|
| 10/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 10/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 10/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/15/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 10/13/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 10/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Fax |
|
|
|
| 09/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 09/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 09/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 09/16/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/14/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Phone |
|
|
|
| 09/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/11/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
|
|
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 08/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 08/15/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 08/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/24/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
|
| 07/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 07/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 06/29/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Postal mail |
|
|
|
| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/18/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 06/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 06/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 06/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 06/05/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 06/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Phone |
|
|
|
| 05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 05/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 05/04/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
|
| 04/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Postal mail |
|
|
|
| 04/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 04/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
Older American, Servicemember |
|
|
| 04/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Phone |
|
|
|
| 04/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 04/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 03/31/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 03/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 03/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/17/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 03/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 03/12/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Referral |
|
|
|
| 03/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 02/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Fax |
|
|
|
| 02/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Fax |
|
|
|
| 02/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 02/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/29/2020 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/03/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Phone |
|
|
|
| 12/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/18/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 11/18/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 11/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/14/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 11/09/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 10/15/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 10/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 10/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 10/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Phone |
|
|
|
| 09/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 09/17/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 09/13/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 09/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
|
|
|
| 09/02/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 08/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/08/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 08/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/06/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/26/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
|
| 07/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Phone |
|
|
|
| 07/18/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 07/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 07/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/09/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/02/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 07/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
|
| 06/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/21/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Servicemember |
|
|
| 06/10/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Fax |
|
|
|
| 05/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Referral |
|
|
|
| 04/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 04/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Personal information incorrect
|
|
Postal mail |
Servicemember |
|
|
| 03/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 03/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 03/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Phone |
Older American |
|
|
| 03/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 02/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/15/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 02/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/06/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 01/31/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 01/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/17/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 12/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 11/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/20/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
|
| 11/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
|
| 11/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 11/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 10/24/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 10/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 10/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 10/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 10/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/08/2018 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 10/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 10/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
|
|
|
| 09/28/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
|
| 09/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/18/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 09/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Postal mail |
|
|
|
| 09/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 09/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/31/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/14/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 08/14/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/17/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/02/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/26/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/22/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 06/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Phone |
|
|
|
| 05/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 05/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 05/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/14/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 05/04/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 04/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 04/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 04/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 04/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Postal mail |
Servicemember |
|
|
| 04/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 04/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/29/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
|
| 03/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 03/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/19/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/09/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 03/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 03/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/01/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 02/28/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/19/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 02/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/13/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 02/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/30/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 01/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 01/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/05/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 12/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 12/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/08/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Postal mail |
|
|
|
| 12/08/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Postal mail |
|
|
|
| 12/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 12/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 11/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 10/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 10/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
|
| 09/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/23/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
|
| 09/15/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 08/18/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 08/18/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/17/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 08/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 08/02/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 07/21/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Phone |
|
|
|
| 07/20/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 07/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/20/2017 |
No |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Problem with customer service
|
|
Referral |
|
|
|
| 06/08/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/23/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 05/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
|
| 05/05/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
|
| 05/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 05/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/15/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 04/13/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 04/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 04/11/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 04/08/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/05/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 04/01/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/31/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 03/30/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 03/24/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/22/2017 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 03/17/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/17/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 03/17/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 03/10/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 03/06/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 02/18/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
|
| 02/08/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/03/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 01/31/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 01/12/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 01/11/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Fax |
|
|
|
| 01/06/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Referral |
|
|
|
| 12/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 12/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 12/14/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Referral |
|
|
|
| 12/12/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/10/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/05/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Postal mail |
|
|
|
| 11/25/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/31/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
|
|
| 10/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/07/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 09/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 09/16/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 09/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 08/31/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Postal mail |
|
|
|
| 08/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 08/11/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 08/04/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 07/25/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 07/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 06/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
Servicemember |
|
|
| 06/20/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 06/18/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 06/14/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Phone |
Older American |
|
|
| 06/13/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/05/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 05/24/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 05/23/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 05/18/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 05/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 05/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Postal mail |
|
|
|
| 05/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 04/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 04/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 04/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 04/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Fax |
Older American, Servicemember |
|
|
| 04/04/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Referral |
Older American |
|
|
| 03/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Referral |
|
|
|
| 03/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 03/20/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Phone |
Older American |
|
|
| 02/06/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 02/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/22/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/31/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 11/24/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/09/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 10/29/2015 |
Yes |
|
- Credit reporting company's investigation
- Inadequate help over the phone
|
|
Web |
|
|
|
| 10/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/05/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 10/02/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 09/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Fax |
|
|
|
| 09/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 09/08/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/05/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/16/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 06/25/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 06/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 06/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 06/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Older American |
|
|
| 06/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 06/15/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/11/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 06/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 06/04/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 05/26/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 05/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 05/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 05/11/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 05/11/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 05/11/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Phone |
|
|
|
| 05/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 05/04/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/21/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/16/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Referral |
|
|
|
| 04/11/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 04/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 04/09/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 04/08/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/31/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/28/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/17/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/16/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/16/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
Older American, Servicemember |
|
|
| 03/13/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 03/11/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 02/20/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 02/07/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
|
| 02/02/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 01/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 01/12/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/09/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 01/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 01/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/25/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 12/24/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/18/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
|
| 11/25/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Postal mail |
|
|
|
| 11/24/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/20/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/17/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 11/17/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 11/12/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 11/11/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/10/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 11/09/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
|