This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 349 complaints

BMW Financial Services NA, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 29 states, reputation grade D.

Complaints by issue type

What consumers report about BMW Financial Services NA, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record bmw-financial-services-na-llc BMW Financial Services NA, LLC

Grade D · 349 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed · vol #354 · compose #267

  • VOL 349
  • GRADE D
  • 12MO 101
  • STATES 29
  • TIMELY 97%
  • DISPUTE 26%
  • ISSUE Attempts to collect debt n…
  • RANK #354
  • COMPOSE #267

Volume peers

Nearest volume peer: Consumer Collection Management. Inc (349 complaints)

Property Receivables, CorpProperty Receivables, Corp348SG and AssociatesSG and Associates348Consumer Collection Management. IncConsumer Collection Manageme…349BMW Financial Services NA, LLC (this)BMW Financial Services NA, L…349Paramount GR Holdings, LLCParamount GR Holdings, LLC350
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

BMW Financial Services NA, LLC's 349 CFPB complaints sit next to Consumer Collection Management. Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 349 complaints break down

Every complaint issue type on record for BMW Financial Services NA, LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.9/100
BMW Financial Services NA, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
349
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
26%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

California is the plurality state for BMW Financial Services NA, LLC (19.5%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
California 19.5%
Mid-band (15–30%) · 29 states with ≥1 filing
Seasonal peak
2025-09 11.3%
8–15% band · 6 filings
Corpus ranks
#354 volume
#267 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does BMW Financial Services NA, LLC compare to its peers?

How does BMW Financial Services NA, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
BMW Financial Services NA, LLC National average
Complaints (last 12 mo)lower is better
101
82
268
Timely-response ratehigher is better
97%
74%
91%
Consumer-dispute ratelower is better
26%
6%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy BMW Financial Services NA, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) BMW Financial Services NA, LLC vs. 7 similar-volume peers, by response speed and dispute rate BMW Financial Services NA, LLCConsumer Collection Management. IncREGIONS FINANCIAL CORPORATIONMerchants Adjustment Service, Inc.Medical Business BureauOmega RMS, LLCPMAB,LLCAlliant Capital Management LLC
Source: CFPB Consumer Complaint Database

BMW Financial Services NA, LLC's complaint volume in context

BMW Financial Services NA, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

349 Top 7% higher than 93% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. BMW Financial Services NA, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2023-01 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
147
Took or threatened to take negative or legal action
67
Written notification about debt
53
False statements or representation
23
Communication tactics
20
Cont'd attempts collect debt not owed
16
Disclosure verification of debt
15
Threatened to contact someone or share information improperly
4
Improper contact or sharing of info
2
Taking/threatening an illegal action
2

Where do complaints against BMW Financial Services NA, LLC come from?

BMW Financial Services NA, LLC's own per-state count, not a national baseline.

Top states by complaints against BMW Financial Services NA, LLC

Across 29 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for BMW Financial Services NA, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 349.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.16981132075472%.

4 peers

Know your rights before responding to BMW Financial Services NA, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.