Consumer complaint received 2022-10-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMW Financial Services NA, LLC (TX)

BMW FINANCIAL SERVICES NA , LLC has failed to return and sign the attached affidavit and Notice of Adequate Assurance of Due Performance within 10 calendar days of the date upon receiving this notice on XX/XX/2022 that was sent to XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Given their failure to respond, BMW FINANCIAL SERVICES NA , LLC is in dishonor of this Notice of Adequate Assurance of Due Performance. I demand BMW FINANCIAL SERVICES NA , LLC remove the debt from my credit reports with XXXX, XXXX, and XXXX for being in dishonor of the Notice of Adequate Assurance of Due Performance and being in violation of the below laws. 

I demand that BMW FINANCIAL SERVICES NA , LLC return the amount {$12000.00} which is the amount that I paid to the company for the alleged debt that was not validated. 

I demand the remaining balance on the alleged debt of {$44000.00} be returned to me in the form of Federal Reserve Notes for failure to validate the debt. BMW FINANCIAL SERVICES NA , LLC committed malfeasance, a wrongful, unlawful, or dishonest act ; esp., wrongdoing by misusing the company 's fiduciary obligation over my Social Security XXXX XXXX XXXX XXXX 

Per Truth in Lending Act ( TILA ) and Fair Credit Reporting Act ( FCRA ) which is governed by the Federal Trade Commission ( FTC ) and other federal and state agencies states that its {$1000.00} per violation ( one ( 1 ) through thirteen ( 13 ) ) of my consumer rights by BMW FINANCIAL SERVICES NA , LLC. I will be seeking {$1000.00} per violations for remedy under the law. 


XXXX. BMW FINANCIAL SERVICES NA , LLC advertised a downpayment before running my credit application. This is a violation of my rights as a consumer under 15 U.S. Code 1662.

2. BMW FINANCIAL SERVICES NA , LLC advertised a trade-in before running my credit application. This is a violation of my rights as a consumer under 15 U.S. Code 1662.

3.BMW FINANCIAL SERVICES NA , LLC advertised a downpayment before running my credit application. This was discriminatory activity because I am XXXX or XXXX which is a violation of my rights as a consumer under 15 U.S. Code 1691.

4. BMW FINANCIAL SERVICES NA , LLC asked for my FICO score before running my credit application. This was discriminatory activity because I am XXXX or XXXX  which is a violation of my rights as a consumer under 15 U.S. Code 1691.

5. BMW FINANCIAL SERVICES NA , LLC gave me false information willing and knowingly which is a violation of my rights as a consumer under 15 U.S. Code 1611.

6. BMW FINANCIAL SERVICES NA , LLC committed malfeasance, a wrongful, unlawful, or dishonest act ; esp., wrongdoing by misusing his fiduciary obligation over my Social Security XXXX XXXX XXXX by falsifying documents without my knowledge. 

7. BMW FINANCIAL SERVICES NA , LLC failed to validate the debt according to uniform accounting principles consistent with XXXX. This violates 12 U.S. Code 1831n ( 2 ) ( A ) 8. By failing to validate the debt BMW FINANCIAL SERVICES NA , LLC provided inaccurate credit reports which impaired my ability to efficiently engage in the banking system. This is a violation of 15 U.S. Code 1681 ( a ) ( 1 ).

9. Given BMW FINANCIAL SERVICES NA , LLC failed to validate the debt, they provided false representations. This a violation of 15 U.S. Code 1692e ( 2 ) ( A ).

10. BMW FINANCIAL SERVICES NA , LLC failed validate the debt amount. This is a violation of 15 U.S. Code 1692g ( a ) ( 1 ) 11. BMW FINANCIAL SERVICES NA , LLC failed to validate the debt by providing the bookkeeping entries under XXXX that the company funded the loan, and therefore did not provide equal consideration for the contract and can not be the creditor to whom the debt is owed. This is in violation of 15 U.S. Code 1692g ( a ) ( 2 ).

12. BMW FINANCIAL SERVICES NA , LLC failed to provide Adequate Assurance of Performance within a10 calendar day period upon receiving the notice to XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX on XXXX, XXXX, XXXX. This is in violation of XXXX XXXX XXXX XXXX. 

XXXX. BMW FINANCIAL SERVICES NA , LLC XXXX, a wrongful, unlawful, or dishonest act ; esp., wrongdoing by misusing the company 's fiduciary obligation over my Social Security XXXX XXXX XXXX XXXX