Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
NOTICE AND DEMAND TO CEASE AND DESIST REPORTING OF NON PUBLIC PERSONAL INFORMATION ACTIVITIES. I have reasons to believe BMW is practicing discriminatory acts against me. Company has taking adverse unfair actions. Company continues to harass and cause defamation to my character in attempts to ruin my personal relationship and my financial reputation. Company is in violation of a direct cease and desist order. Company says that's its following federal regulations and hasn't provided proof of a law, code or statue its following. Company has failed to abide by federal law. Company is discriminating against me going by merly procedures and company policies, which is bias toward me. Federal law supercedes any procedure or company policy. I am aware pursuant to 15 U.S.C 1681s-2 ( 7 ) ( e ) that the FDCA clearly states that it is not a requirement for companies to report negative information to a consumer report. BMW is reporting my nonpublic personal information in a adverse action to ruin my opportunities to extend my credit in coercing me of a payment. I am being extorted by BMW. I understand that 18 U.S.C 892 making extortionate extentions of Credit that Whoever makes any extortionate extension of credit, or conspires to do so, shall be fined under this title or imprisoned not more than 20 years, or both. Also In any prosecution under this section, if it is shown that all of the following factors were present in connection with the extension of credit in question, there is prima facie evidence that the extension of credit was extortionate, but this subsection is nonexclusive and in no way limits the effect or applicability of subsection ( a ) : ( 1 ) The repayment of the extension of credit, or the performance of any promise given in consideration thereof, would be unenforceable, through civil judicial processes against the debtor. I am also aware under 18 U.S.C 894 Collection of extensions of credit by extortionate means that, Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. BMW continues repeatedly harassingly in a discriminatory deceptive way has attempted to ruin my personal and financial reputation for the nonpayment of an unvalidated billing error dispute. 15 U.S.C -1692 ( e ) states that a false, deceptive, and misleading representation, in connection, with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. Please take notice that this legal notice will be forwarded as a criminal investigation of the business practices of the above, named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your claims of collection of a purported debt appears to be founded upon a false record in violation of U.S.C Title 18 -2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 -471,472,473and or 513, and further using corrupt business practices to make and possess false records and claim if obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq and further using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C -1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, criminal conduct falling under Title 18 U.S.C -1842 Fictitious Names.

ALL INFORMATION WILL BE FORWARDED TO THE CALIFORNIA INSPECTOR GENERAL OFFICE AND IRS CRIMINAL DIVISION TO INVESTIGATE

Company response to consumer: Closed with explanation