CFPB · Lower closed-with-relief share
BMW Financial Services NA, LLC
3.2K CFPB complaints · 0% relief (low band) · top issue Incorrect information on your report.
BMW Financial Services NA, LLC closes 0% with relief (lower third) on 3.2K filings. Timely 97.9% · top product Vehicle loan or lease. Allegations, not findings.
- Lower closed-with-relief share
- +2654.5% filings 2012 to 2026
CFPB relief outcome brief
CCDB company bmw-financial-services-na-llc
0% relief · 97.9% timely · 3.2K filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Tesla, Inc. (0% relief)
BMW Financial Services NA, LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
BMW Financial Services NA, LLC scores strongest on closed with explanation (98/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
96 / 100 percentile-benchmarked
97.9% of complaints answered inside the CFPB 15-day window
Closed with explanation
98 / 100 percentile-benchmarked
98.7% of complaints closed with an explanation to the consumer
Most of BMW Financial Services NA, LLC's 3.2K filings include narrative text
42.1% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
BMW Financial Services NA, LLC complaint mix by product
- Vehicle loan 1K 31.9% – 0% relief
- Credit reporting, 768 24.1% – 0% relief
- Credit reporting 711 22.3% – 0% relief
- Debt collection 344 10.8% – 0% relief
- Consumer Loan 319 10.0% – 0% relief
- Credit card 18 0.6% – 0% relief
- Payday loan, 13 0.4% – 0% relief
How BMW Financial Services NA, LLC's 3.2K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 1.0K |
| Credit reporting, credit repair services, or other personal consumer reports | 768 |
| Credit reporting or other personal consumer reports | 711 |
| Debt collection | 344 |
| Consumer Loan | 319 |
| Credit card or prepaid card | 18 |
| Payday loan, title loan, or personal loan | 13 |
| Credit card | 9 |
| Credit reporting | 7 |
| Money transfer, virtual currency, or money service | 4 |
| Bank account or service | 4 |
| Payday loan, title loan, personal loan, or advance loan | 2 |
| Checking or savings account | 1 |
Nationwide filing states for BMW Financial Services NA, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 24.1% of this company's filings
BMW Financial Services NA, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 303
- +2654.5% vs 2012
Volume vs. relief
Where BMW Financial Services NA, LLC sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, BMW Financial Services NA, LLC files more complaint volume than 54% of them, and closes complaints with relief more often than 0% of them, placing it in the quadrant for high volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 3,216 · Closed with relief: 0.0%
Top States
| State | Complaints |
|---|---|
| CA | 776 |
| FL | 457 |
| NY | 299 |
| GA | 244 |
| TX | 230 |
| NJ | 169 |
| PA | 107 |
| IL | 80 |
| CT | 77 |
| MD | 77 |
| NC | 64 |
| VA | 56 |
| AZ | 51 |
| MA | 49 |
| NV | 48 |
| OH | 37 |
| LA | 35 |
| MI | 31 |
| SC | 29 |
| MO | 29 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 970 |
| Managing the loan or lease | 445 |
| Improper use of your report | 313 |
| Problems at the end of the loan or lease | 222 |
| Problem with a credit reporting company's investigation into an existing problem | 210 |
| Problem with a company's investigation into an existing problem | 168 |
| Attempts to collect debt not owed | 145 |
| Getting a loan or lease | 137 |
| Struggling to pay your loan | 93 |
| Repossession | 81 |
| Took or threatened to take negative or legal action | 65 |
| Problems when you are unable to pay | 65 |
| Taking out the loan or lease | 61 |
| Written notification about debt | 52 |
| Credit monitoring or identity theft protection services | 24 |
| False statements or representation | 23 |
| Communication tactics | 20 |
| Shopping for a loan or lease | 20 |
| Cont'd attempts collect debt not owed | 16 |
| Disclosure verification of debt | 15 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 11 | 100% |
| 2013 | 30 | 100% |
| 2014 | 71 | 100% |
| 2015 | 102 | 100% |
| 2016 | 110 | 100% |
| 2017 | 154 | 96.1% |
| 2018 | 188 | 99.5% |
| 2019 | 176 | 100% |
| 2020 | 247 | 99.2% |
| 2021 | 313 | 99.4% |
| 2022 | 318 | 99.4% |
| 2023 | 357 | 92.2% |
| 2024 | 343 | 98.5% |
| 2025 | 493 | 97.8% |
| 2026 | 303 | 97% |
Source: CFPB Consumer Complaint Database
BMW Financial Services NA, LLC in the lower-relief third
BMW Financial Services NA, LLC's 3,216 logged complaints reach a nationwide footprint - 50 states have at least one filing. 42.1% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-06-26. Closed-with-relief 0% sits in the lower third of the corpus.
BMW Financial Services NA, LLC closes 0% with monetary or non-monetary relief and answers 97.9% inside the CFPB window; 98.7% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Vehicle loan or lease" · top issue "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about BMW Financial Services NA, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for BMW Financial Services NA, LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 3.2K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97.9%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for BMW Financial Services NA, LLC (#159 of 342; 97.9% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Lower closed-with-relief share