BMW Financial Services NA, LLC Consumer Complaints
BMW Financial Services NA, LLC has received 3,071 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 3,071 total complaints on file with the CFPB.
- Most complaints are about Vehicle loan or lease (982).
- Timely response rate: 97.9%.
- Consumer disputed rate: 30.2% of resolved complaints.
Complaints by Product
The following table shows how complaints against BMW Financial Services NA, LLC break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Vehicle loan or lease | 982 | 32.0% |
| Credit reporting, credit repair services, or other personal consumer reports | 768 | 25.0% |
| Credit reporting or other personal consumer reports | 621 | 20.2% |
| Debt collection | 322 | 10.5% |
| Consumer Loan | 320 | 10.4% |
| Credit card or prepaid card | 18 | 0.6% |
| Payday loan, title loan, or personal loan | 13 | 0.4% |
| Credit card | 9 | 0.3% |
| Credit reporting | 7 | 0.2% |
| Bank account or service | 4 | 0.1% |
| Money transfer, virtual currency, or money service | 4 | 0.1% |
| Payday loan, title loan, personal loan, or advance loan | 2 | 0.1% |
| Checking or savings account | 1 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about BMW Financial Services NA, LLC.
Company Response Breakdown
When consumers file complaints, BMW Financial Services NA, LLC responds in one of several ways. The breakdown below shows how BMW Financial Services NA, LLC has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 3,046 | 99.2% |
| In progress | 24 | 0.8% |
| Closed | 1 | 0% |
Complaints by State
Top states where consumers have filed complaints against BMW Financial Services NA, LLC.
| State | Complaints |
|---|---|
| California | 738 |
| Florida | 436 |
| New York | 287 |
| Georgia | 235 |
| Texas | 218 |
| New Jersey | 159 |
| Pennsylvania | 107 |
| Illinois | 77 |
| Maryland | 73 |
| Connecticut | 72 |
| North Carolina | 61 |
| Virginia | 54 |
| Arizona | 50 |
| Massachusetts | 48 |
| Nevada | 47 |
| Ohio | 32 |
| Louisiana | 31 |
| Michigan | 31 |
| Missouri | 29 |
| South Carolina | 27 |
Your Rights
What to do if you have a complaint against BMW Financial Services NA, LLC
- Contact BMW Financial Services NA, LLC directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does BMW Financial Services NA, LLC have?
BMW Financial Services NA, LLC has 3,071 consumer complaints on file with the CFPB as of our last data refresh.
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What is the most common complaint about BMW Financial Services NA, LLC?
The most common issue reported is Incorrect information on your report with 913 complaints.
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How do I file a complaint against BMW Financial Services NA, LLC?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does BMW Financial Services NA, LLC respond to complaints on time?
BMW Financial Services NA, LLC has a 97.9% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.