Vehicle loan or lease -- Repossession -- Complaint #17776712
Complaint Overview
Complaint ID: 17776712
Company: Bmw Financial Services NA, LLC
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Repossession
Sub-Issue: Lender trying to repossess or disable the vehicle
State: Missouri
ZIP Code: 63139
Date Received: 2025-11-22T12:00:00-05:00
Date Sent to Company: 2025-11-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
BMW Financial Services refuses to review my documented hardship request. They told me I must make six payments before they will consider hardship assistance. This rule is not in my contract and was never disclosed. I recently secured new employment and only need a temporary deferment or extension to avoid delinquency. I am not refusing to pay. BMW will not review my request and continues to impose an undisclosed internal rule that appears arbitrary and unfair. Potential violations include : 12 U.S.C. 5511 ( c ) Unfair or abusive acts 15 U.S.C. 45 Unfair business practices 15 U.S.C. 1692d1692f Unfair collection practices
Frequently Asked Questions
What is Complaint #17776712 about?
Complaint #17776712 was filed against Bmw Financial Services NA, LLC regarding Vehicle loan or lease specifically about Repossession. It was received by the CFPB on 2025-11-22T12:00:00-05:00.
How did Bmw Financial Services NA, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Bmw Financial Services NA, LLC?
Yes, visit the Bmw Financial Services NA, LLC company profile at readthecomplaint.com/company/bmw-financial-services-na-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.