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Data / Consumer complaints / BMW Financial Services NA, LLC

BMW Financial Services NA, LLC: 1,366 CFPB consumer complaints in the last 3 years

BMW Financial Services NA, LLC drew 1,366 consumer complaints in the CFPB database in the three years to November 6, 2026, and 3,400 since 2012. The largest group, 749, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 504. The company responded on time to 97.9% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every credit reporting or other personal consumer reports companyGet credit reporting or other personal consumer reports in California
  • 1,366Complaints, last 3 years
  • 3,400Complaints, all years
  • 97.9%Responded on time
  • 0.0%Closed with relief
  • 7Products
  • Nov 4, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6487
2025493
2024343
2023357
2022318
2021313
2020247
2019176
2018188
2017154
2016110
2015102
201471
201330
201211

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Credit reporting or other personal consumer reports74954.8%
Vehicle loan or lease42230.9%
Debt collection18213.3%
Credit card90.7%
Payday loan, title loan, personal loan, or advance loan20.1%
Debt or credit management10.1%
Money transfer, virtual currency, or money service10.1%

Issues

IssueComplaintsShare
Incorrect information on your report50436.9%
Problem with a company's investigation into an existing problem17312.7%
Improper use of your report14810.8%
Repossession1017.4%
Managing the loan or lease936.8%
Problems at the end of the loan or lease846.1%
Attempts to collect debt not owed815.9%
Took or threatened to take negative or legal action594.3%
Getting a loan or lease433.1%
Written notification about debt251.8%
False statements or representation141%
Struggling to pay your loan120.9%
Credit monitoring or identity theft protection services100.7%
Problem when making payments30.2%
Problem with a company's investigation into an existing issue30.2%
Problem with fraud alerts or security freezes30.2%
Communication tactics20.1%
Getting a credit card20.1%
Can't contact lender or servicer10.1%
Getting the loan10.1%
Lost or stolen money order10.1%
Other features, terms, or problems10.1%
Problem with customer service10.1%
Threatened to contact someone or share information improperly10.1%

How the company responded

Company responseComplaintsShare
Closed with explanation1,33597.7%
In progress312.3%

States

StateComplaintsShare
California31122.8%
Florida21615.8%
New York1319.6%
Georgia1218.9%
Texas977.1%
New Jersey866.3%
Pennsylvania503.7%
Maryland352.6%
Illinois322.3%
North Carolina241.8%
Connecticut211.5%
Nevada191.4%
Arizona181.3%
Michigan171.2%
Missouri171.2%
Louisiana151.1%
Ohio141%
South Carolina131%
Massachusetts110.8%
Virginia110.8%
Tennessee100.7%
Colorado80.6%
District of Columbia80.6%
Delaware80.6%
Alabama70.5%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 4, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
November 4, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
November 4, 2026Credit reporting or other personal consumer reportsImproper use of your reportIn progressconsumerfinance.gov
November 3, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
November 3, 2026Vehicle loan or leaseManaging the loan or leaseIn progressconsumerfinance.gov
November 3, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
November 2, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
November 2, 2026Vehicle loan or leaseManaging the loan or leaseIn progressconsumerfinance.gov
October 31, 2026Vehicle loan or leaseStruggling to pay your loanIn progressconsumerfinance.gov
October 29, 2026Vehicle loan or leaseProblem with a company's investigation into an existing problemIn progressconsumerfinance.gov
October 29, 2026Vehicle loan or leaseProblem with a company's investigation into an existing problemIn progressconsumerfinance.gov
October 28, 2026Vehicle loan or leaseProblems at the end of the loan or leaseIn progressconsumerfinance.gov
October 27, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 27, 2026Credit reporting or other personal consumer reportsImproper use of your reportIn progressconsumerfinance.gov
October 27, 2026Vehicle loan or leaseStruggling to pay your loanIn progressconsumerfinance.gov
October 27, 2026Vehicle loan or leaseProblems at the end of the loan or leaseIn progressconsumerfinance.gov
October 26, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
October 22, 2026Vehicle loan or leaseImproper use of your reportIn progressconsumerfinance.gov
October 22, 2026Vehicle loan or leaseProblems at the end of the loan or leaseIn progressconsumerfinance.gov
October 21, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
October 21, 2026Vehicle loan or leaseProblems at the end of the loan or leaseIn progressconsumerfinance.gov
October 21, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 19, 2026Vehicle loan or leaseIncorrect information on your reportIn progressconsumerfinance.gov
October 19, 2026Vehicle loan or leaseIncorrect information on your reportIn progressconsumerfinance.gov
October 19, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
October 16, 2026Vehicle loan or leaseGetting a loan or leaseIn progressconsumerfinance.gov
October 16, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 16, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
October 15, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 14, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 14, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 13, 2026Vehicle loan or leaseStruggling to pay your loanIn progressconsumerfinance.gov
October 13, 2026Credit reporting or other personal consumer reportsImproper use of your reportIn progressconsumerfinance.gov
October 12, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
October 12, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 12, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 11, 2026Vehicle loan or leaseProblems at the end of the loan or leaseClosed with explanationconsumerfinance.gov
October 10, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 10, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 9, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 8, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 5, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 5, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 4, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 2, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 2, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.