Consumer complaint received 2018-04-18
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
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

Company response to consumer: Closed with explanation