Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding a delinquent vehicle lease account reported by BMW Financial Services that is severely impacting my ability to obtain employment, housing, and financial stability. The vehicle associated with this lease has always been in the possession and control of my estranged spouse in the state of Hawaii. I reside in Florida and have not had possession or operational control of the vehicle since shortly after the lease originated in XX/XX/year>. My spouse has been responsible for making payments on the lease while retaining full possession of the vehicle. However, she has made inconsistent and partial payments which have resulted in repeated delinquency reporting on my credit file. This reporting is causing severe financial harm despite the fact that I have no control over the vehicle or the payments being made. After several attempts to have her or BMW Financial remove me from the lease I have been met with no answers or solutions. I am currently involved in an active divorce proceeding where the responsibility for this debt is being contested and addressed through the court system. Despite this, the continued negative reporting has already caused significant damage to my livelihood. As a former military XXXX with over XXXX years of service, I am currently unable to transition into civilian law enforcement because the delinquent account has caused me to be classified as a financial risk during background investigations. I have also been denied housing and vehicle financing due to the damage this account has caused to my credit profile. I am requesting that BMW Financial Services review this account and consider the circumstances of the dispute, including the fact that the vehicle is exclusively controlled and operated by the co-borrower in another state and that the matter is currently under legal review through divorce proceedings. I am seeking a reasonable resolution that may include correction or suppression of the negative reporting associated with this account while the dispute is being resolved, or other relief that would prevent continued financial harm caused by circumstances outside of my control. I am prepared to provide documentation confirming my residence, divorce proceedings, and the fact that the vehicle has remained in the possession of the co-borrower throughout the lease term. This situation is directly impacting my ability to secure employment in my professional field, obtain housing, and maintain financial stability. I respectfully request a prompt review and resolution. Attached is the payment history, after multiple attempts to have BMW Financial voluntarily repossess the vehicle they have denied me that ability because of partial payments being made by my ex in the form of {$100.00} at times even though the account has been spent delinquent for XXXX percent of its time and the minimum payment being {$1400.00}. Hawaii Divorce Case # - XXXX This case has been active for over a year and is only being prolonged because of my ex not complying and intentionally having this drug out to avoid the responsibility. Also attached is the last time BMW Finacial let me have any payment history to show short payments and how they claim the vehicle is not able to be repossessed.

Company response to consumer: Closed with explanation