Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMW Financial Services NA, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX is a Federally Protected Consumer and reserves all his rights under the Uniform Commercial Code, the United States Code, the Fair Debt Collection Practices Act, the Truth In Lending Act and the Fair Credit Reporting Act. BMW Financial Services is the Fiduciary and XXXX XXXX XXXX is the beneficiary in this alleged contractual relationship. 
The alleged debt in question is between BMW Financial Services and XXXX XXXX XXXX ( Principal ). XXXX XXXX XXXX has asserted his right to request debt validation and verification according to 15 USC 1692g - via certified mail. BMW Financial has failed to provide ANY form of verification or validation, as according to law. 
BMW Financial has not supplied any evidence of any debt, and has failed to respond in any capacity to the demands made by Principal.

BMW Financial has been reporting Principal 's Personal Private Information incorrectly since XXXX of XXXX. 
BMW Financial has been knowingly, falsely and incorrectly reporting Principal 's credit history, payment history, derogatory remarks and late payment history to the credit reporting agencies.

BMW Financial has made false representations about Principal 's character, and about the total amount of the alleged debt, and false representations about Principals credit and payment history.

BMW Financial does not have any evidence of an alleged debt between both parties.

Principal autographed the alleged contract 'Without Recourse, U.C.C . 1-308 ' and there is no recourse that BMW can take. 
Principal has revoked and rescinded BMW Financial 's right to repossess Principal 's vehicle.

Principal has revoked and rescinded BMW Financial 's Power of Attorney.

As per U.C.C. 9-210, Principal has the right to request all accounting documentation connected to or in association with the alleged debt between Principal and BMW Financial.

BMW Financial has failed to provide any accounting documentation regarding the alleged debt. Principal has a Certified copy of a UCC 11 search from the Arizona State Secretary of State, providing the details that Principal has NO lien attached to his Person.

BMW Financial is and has been destroying Principals Credit since the verification and Validation of the alleged debt, and has been illegally reporting this incorrect information to all the credit reporting agencies.

BMW Financial is knowingly and intentionally reporting false and incorrect information about Principal, to all Credit Reporting Agencies. Principal has attempted to resolve these issues with BMW Financial numerous times, and BMW has not been cooperative or helpful in the slightest.

BMW Financial is currently breaking many laws within the U.C.C., the U.S.C. and the Fair Credit Reporting Act. These violations need to be addressed, and there should be repercussions for BMW 's actions.

As soon as BMW Financial received Principals debt validation & verification BMW was to report This complaint is one of four that Principal has submitted.

Other complaints have been submitted to the XXXX  and the FTC.

Company response to consumer: Closed with explanation