Consumer complaint received 2021-03-06
Company: BMW Financial Services NA, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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.

Company response to consumer: Closed with explanation