Consumer complaint received 2025-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
This letter is to notify you of my intent to submit complaints to the proper agencies for investigation including the XXXX XXXX XXXX  the Federal Trade Commission, and the Consumer Financial Protection Bureau and to pursue legal recourse concerning BMW Financial Services account number XXXX for the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. My personal and confidential loan information with BMW Financial Services was unlawfully shared with another mybmw.com user profile from which said profile user later presented this information as evidence against me in a court of law. 

I decided to trade the XXXX XXXX XXXX XXXX XXXX XXXX in at your dealership for the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. The XXXX XXXX XXXX XXXX XXXX XXXXXXXX was purchased in XX/XX/XXXX by myself and at the time the loan with BMW Financial Services was cosigned by my spouse, XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX and I were divorced by the Superior Court of XXXX XXXX, Georgia. Upon the trade-in of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX, XXXX XXXX XXXX had to come to United BMW of XXXX to sign the trade agreement and close the loan with BMW FS . The XXXX XXXX XXXX XXXX XXXX XXXX XXXX was individually purchased and solely financed by me as shown in exhibit 1. 

At the time that this trade was executed, XXXX XXXX XXXX and I were embattled in a post-divorce civil case. One directive of the court order from the divorce was to trade-in or refinance the 2017 BMW M3 Sedan XXXX  XXXX for the purpose of removal of XXXX XXXX XXXX from the financial account and title. Six months after completion of the trade-in of the XXXX XXXX XXXX XXXX  XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was ordered to attend a hearing where I would need to prove lack of personal finances in the months leading up to the hearing. One of the key exhibits used by the opposition in this hearing was a screenshot of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX financial information from XXXX XXXX XXXX mybmw.com website profile as shown in exhibit XXXX. In the hearing, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX was mentioned in the opening statement, direct examination of the defendant, cross-examination of the defendant, cross examination of the plaintiff, questioning from the judge, and in the judges ruling. It is also shown as a deciding factor in the judgement order which resulted in an unfavorable ruling culminating in my incarceration for the first time in my life. Exhibit 3 shows the judgement order and exhibit 4 shows my incarceration.

I had a conversation with a BMW Financial Services Representative named XXXX who communicated to me that two different mybmw.com profiles had access to the financial information for the 2020 BMW M850i Gran Coupe XXXX XXXX. He stated that the two profiles had the ending numbers XXXX and XXXX. Upon further discovery, XXXX XXXX XXXX stated that BMW Financial Services made the mistake of including the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on her mybmw.com homepage for her online profile. 

The resulting damages incurred by the judgement and incarceration include personal financial ruin and detrimental effect on my chemical industry engineering consulting business. Exhibit 5 graphically depicts the impact to my credit score from XXXX as well as the increase in credit usage. This graph clearly shows the collapse of my credit worthiness after the impact of the XX/XX/XXXX hearing and incarceration. 

Since the hearing, I have had to pay roughly {$80000.00} in legal fees and court ordered payments based on the judgement which used my unlawfully disclosed financial documentation for the decisive factor. I have attempted to recover from this destitute situation only to have BMW of North America and BMW Financial Services refuse to assist or support me in this attempt, and to eventually repossess the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. My credit has hit the lowest point that I have ever seen in my life. I currently do not own a vehicle and can not rent one based on credit worthiness. I do not own a home and can not even rent based on credit worthiness. My company has become stagnate since the XX/XX/XXXX, hearing where I had a revenue of roughly {$35000.00} in XXXX and XXXX of XXXX alone where this revenue just covered the startup costs of the company. 

Attachments : 1. Georgia Motor Vehicle Retail Installment Contract XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. Defense Exhibit 4 myBMW profile Screenshot 3. Order from XXXX XXXX Superior Court dated XXXX 4. Incarceration Details and Screenshots 5. Graph of Credit Score and Debt for XXXX XXXX

Company response to consumer: Closed with explanation