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.
- Volume rank #159 of 342
- 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 →
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
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