Consumer complaint received 2023-09-03
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
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 :

Company response to consumer: Closed with explanation