Consumer complaint received 2018-07-29
Company: BMW Financial Services NA, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
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,

Company response to consumer: Closed with explanation