CFPB Consumer Complaint Profile
BMW Financial Services NA, LLC
What 3,036 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 3,036
- Total complaints
- Among the highest
- 507
- Last 12 months
- 97.8%
- Timely response
- Below median
- 50
- States affected
The verdict
3,036 CFPB complaints put BMW Financial Services NA, LLC at #155 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 97.8%, the 46th percentile for the 100+ complaint peer group.
- #155
- of 3,843 companies by volume
- 97.8%
- on time (46th pctile)
- Credit reporting, cr…
- most-complained product
- 50
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
BMW Financial Services NA, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.8% Around the middle higher than 46% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 343 in 2024 to 493 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 12 |
| 2013 | 30 |
| 2014 | 71 |
| 2015 | 102 |
| 2016 | 110 |
| 2017 | 154 |
| 2018 | 188 |
| 2019 | 176 |
| 2020 | 247 |
| 2021 | 313 |
| 2022 | 318 |
| 2023 | 357 |
| 2024 | 343 |
| 2025 | 493 |
| 2026year in progress | 122 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for BMW Financial Services NA, LLC
3,036 complaints against BMW Financial Services NA, LLC appear in the CFPB record, including 507 from the trailing year. The 50 states and territories represented put this footprint in nationwide territory. The single largest complaint category is "Credit reporting, credit repair services, or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, BMW Financial Services NA, LLC posts a 97.8% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response carried a 30.2% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 0%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does BMW Financial Services NA, LLC have?
3,036 complaints have been filed against BMW Financial Services NA, LLC with the CFPB overall - 507 of them in the past year.
Does BMW Financial Services NA, LLC respond to complaints on time?
BMW Financial Services NA, LLC has a 97.8% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for BMW Financial Services NA, LLC?
Among all products tied to BMW Financial Services NA, LLC, "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with BMW Financial Services NA, LLC?
"Incorrect information on your report" is the single most frequently cited issue in complaints against BMW Financial Services NA, LLC - see all issues and counts above.
How do I file a complaint against BMW Financial Services NA, LLC?
You can file a complaint against BMW Financial Services NA, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about BMW Financial Services NA, LLC?
Consumers in 50 states and territories have filed complaints about BMW Financial Services NA, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for BMW Financial Services NA, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (3,036 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (30.2% here).
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does BMW Financial Services NA, LLC have?
3,036 complaints have been filed against BMW Financial Services NA, LLC with the CFPB overall - 507 of them in the past year.
Does BMW Financial Services NA, LLC respond to complaints on time?
BMW Financial Services NA, LLC has a 97.8% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for BMW Financial Services NA, LLC?
Among all products tied to BMW Financial Services NA, LLC, "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with BMW Financial Services NA, LLC?
"Incorrect information on your report" is the single most frequently cited issue in complaints against BMW Financial Services NA, LLC - see all issues and counts above.
How do I file a complaint against BMW Financial Services NA, LLC?
You can file a complaint against BMW Financial Services NA, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about BMW Financial Services NA, LLC?
Consumers in 50 states and territories have filed complaints about BMW Financial Services NA, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.