|
11428576
|
2025-01-08
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Termination fees or other problem when ending the lease early
|
| Sub Product |
Lease
|
| Date Received |
2025-01-08
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-08
|
|
|
11607339
|
2025-01-21
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-21
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-21
|
|
|
11641527
|
2025-01-18
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-18
|
|
|
11418812
|
2025-01-07
|
Repossession
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Deficiency balance after repossession
|
| Sub Product |
Lease
|
| Date Received |
2025-01-07
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-07
|
|
|
11203059
|
2024-12-18
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-18
|
|
|
11140670
|
2024-12-13
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-13
|
|
|
11084464
|
2024-12-10
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7795759
|
2023-11-03
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2023-11-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-03
|
| Complaint What Happened |
This account was charged off and would like to remove it or ADD XXXX balance to account from all XXXX credit reports
|
| Consumer Consent Provided |
Consent provided
|
|
|
10899444
|
2024-11-22
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Credit denial
|
| Sub Product |
Loan
|
| Date Received |
2024-11-22
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-22
|
| Consumer Consent Provided |
N/A
|
|
|
6535883
|
2023-02-06
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with fees charged
|
| Sub Product |
Loan
|
| Date Received |
2023-02-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-06
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6545323
|
2023-02-09
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-02-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-09
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6162667
|
2022-11-03
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Was not notified of investigation status or results
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-11-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-03
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10858093
|
2024-11-20
|
Problem when making payments
|
Credit card
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit card
|
| Sub Issue |
You never received your bill or did not know a payment was due
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-11-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6185234
|
2022-11-09
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-11-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-09
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5829566
|
2022-08-01
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-01
|
| Complaint What Happened |
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}
|
| Consumer Consent Provided |
Consent provided
|
|
|
6139850
|
2022-10-28
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Older American
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Termination fees or other problem when ending the lease early
|
| Sub Product |
Lease
|
| Date Received |
2022-10-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-21
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5912116
|
2022-08-24
|
Problem with fraud alerts or security freezes
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with fraud alerts or security freezes
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5833330
|
2022-08-03
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5763516
|
2022-07-13
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Lease
|
| Date Received |
2022-07-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-13
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10719346
|
2024-11-06
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5743608
|
2022-07-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Auto debt
|
| Date Received |
2022-07-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5602194
|
2022-05-26
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-05-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-26
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11046306
|
2024-12-06
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Problem with personal statement of dispute
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-06
|
| Complaint What Happened |
I had an electronic payment that didnt go through to BMW financial services and then the company reported me to the credit agencies without notifying me that my payment was late. I advised them that I was never notified that the payment didnt go through. They admitted that they never notified me and advised me that they would consider this but they then proceeded to refuse to help me resolve the issue. BMW financial services is a company that destroys their customers credit and then refuses to help them resolve the problem.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5155727
|
2022-01-27
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-01-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-27
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5437863
|
2022-04-12
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-04-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-12
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4746417
|
2021-09-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-09-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10895775
|
2024-11-22
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10855455
|
2024-11-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Auto debt
|
| Date Received |
2024-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-21
|
| Complaint What Happened |
BMW financial is not my account accordance with the Fair Credit Reporting act. BMW FINANCIAL ACCOUNT # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10870000
|
2024-11-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-20
|
| Complaint What Happened |
The account is from XX/XX/year> According to the FCRA, XXXX ( a ) ( XXXX ), derogatory accounts such as collections, charge-offs, or accounts listed as bad debt must not remain on a credit report for more than XXXX years. Given that the XXXX was XX/XX/year>, this account is outside the seven-year reporting window and should have been removed from my credit report.
This account has been repeatedly reported without proper validation. According to FCRA XXXX ( a ), upon disputing an account, the credit reporting agency is required to investigate and ensure the account is accurate. If the information can not be verified as accurate, the account must be removed promptly.
The continued reporting of this erroneous and outdated account violates the provisions of the FCRA and causes undue harm to my credit profile. If this account can not be verified and validated with clear, accurate, and documented proof, it must be deleted immediately to comply with the law.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3087125
|
2018-11-29
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-12-17
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3245745
|
2019-05-17
|
Problem with a credit reporting company's investigation into an existing problem
|
Vehicle loan or lease
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
BMW Financial Services NA, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Loan
|
| Date Received |
2019-05-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-17
|
| Consumer Consent Provided |
Consent not provided
|
|
