BMW Bank of North America

Too many credit line holds! Every time I pay (I pay as I go), it takes five business days for the 'available credit' to reflect that payment. I use Chase, and they said if I want it to clear quicker, my bank needs to send a 'fax' confirming I still have those funds available in my bank account, even though they clear on the day I send the payment and it reflects on my 'available balance' but not on my available credit. Also, when you call, they say it takes one to three business days, but then I have to wait five business days. No one can give me a straight answer. I have always paid before my due date, I pay mid-month, I have never called to dispute anything. Why, in 2025, am I dealing with this when every other card (Amex, Capital One, Apple) allows payments to post immediately after clearing the bank?

I am done. It's not worth the points.

Horrible card! Every month, I have to set up a new password. I have to call customer service because online it's impossible to do so. I don't have time to call customer service every single month in order to reset the password again and again! This is ridiculous!

This card undeniably has the worst customer service of any major credit card in today's market. Two examples should suffice to demonstrate: 1. A phone call took over 6 minutes of dealing with the most extremely inept voice prompt system ever conceived to reach a human customer representative who could understand a simple question. 2. Four phone calls were insufficient to reach a customer rep who could answer one simple question, namely, "How many frequent flier points does a reward point buy?"

BMW Finance is terrible. If I could give them zero stars, I would. We paid off our car back in 2010, yet we still haven't received the lease release document from them. Despite reaching out to BMW Finance a whopping five times, each time they assured us they would send the document from their archives within 10 working days. It's now been over a month, and still no document. We will definitely be financing our future cars through a different, more respectful financial institution.

Think before you accept that card. They collaborate with scammers. I have a feeling they are also scammers. If you have a problem and an unauthorized transaction occurs, you can forget about resolving it. Their customer service is far from excellent. They promised that the claims department would call back, but the call never comes. If I could give zero stars, I would. I regret the day I applied for that credit card. If you care about your credit, stay away from the BMW credit cards.

84 month loan, never late. Made payment arrangement two years into the loan but then BMW reported the two payments as over 30 days late. The 84 payments have been made and I have title but BMW still reports the account as negative and will not correct the account.
BMW fiancial services is a petty and dishonest company.

Card use is now for emergency only. Their security can almost be annoying. They check every charge and use a triple sign in security .

The rewards program is terrible!! The dealership wasn’t able to redeem the e-gift cards only the physical ones. Then they tell me 3-4 weeks to get back my e rewards so I can get physical cards sent. What’s the point of collecting points if I’m constantly unable to use them. A garbage card that will unfortunately just collect dust.

$75 annual fee version of credit card with $50 dealership credit. Bonus categories are decent, including a rare bonus on automotive repair (4%). good spending power. They have almost tripled my limit since this card was transferred to Elan.

Dealing with Customer Service is a nightmare. I purchased a Certified Pre-Owned car from a dealer in Madison, Wisc. Financed through BMW Financial. Trying to them to send the title to the Illinois DMV so I can get license plates for the car has been pure frustration. Over 10 and 4 calls, I have got 4 different stories. E-mails promised and never sent. Packets of information promised to be mailed, never mailed. A package with "exactly what I need" was to be "expedited" was mailed the next day via U.S. Postal regular mail. The customer service can not even e-mail me the forms. They have to have them e-mailed from another department. A request to send me what I need via Overnight mail was just ignored.

They do things there way, and even if they mess up, they will not go the extra mile to make things right. They are really tarnishing the BMW name.

Great credit card for BMW owners. It is worth it if you take your Bimmer to a dealership for maintenance, as that is where you will get the most points. However, it is also good to use for gas as well.

If I could give this company a -10 rating I most certainly would this is the worst credit card company ever the customer service is horrible and I was treated like crap! I highly do not recommend if you are considering getting a credit card do not choose this company ,, so beware

BMW Financial has lost my $55,506.83 payoff certified funds check for a week now! The representatives and supervisors don’t seem to care or aren’t doing anything about it. I am getting the run around from representatives and supervisors. They are not willing to escalate this severe problem or make this any kind of priority. I have been on the phone with them for 15 hours over the last 3 business days. Mostly on hold. Not at all what I would expect out of BMW.

This is a really big deal for my life because that was all the money I had, and this is causing me extreme mental distress. I am a combat action disabled Marine Corps veteran. I cant have this kind of life consuming stress and anxiety. I need this title ASAP because I need to sell my X7 because of what COVID did to my business. I have a buyer ready and I can’t have them backout because I don’t have the clean title in my hands
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I have USPS proof my payoff cashiers check (with all the money I had in the bank) was delivered over a week ago on Saturday 10:15am to someone with the initials or name JP. I have copies of the certified funds check. My check needs to be physically located and processed. This should not be so hard!

BMW of North America, so disappointed!
August 2019 I purchased a BMW X6.
3 months later my truck over heated, which caused me to pay out of pocket $3500 to have this problem fixed.At the time I lived in the south loop of Chicago, I only drove my truck 5-10 miles per day being that my employer, groceries, and etc were not n walking distance from my home. After having the $3500 repair completed I was sure that I would not have any other major problems with my beautiful truck anytime soon. Unfortunately I spoke to soon. April of 2020, my check engine light came on, and my truck was hesitant to start at times. So now I am very nervous about what could possibly be wrong, and how expensive will this repair be. So I stopped driving my truck and parked it in my garage. I decided to have it checked again, paid $200 for the diagnosis check only to find out that my truck has over $5000 work of repairs needed and most of the problems that my vehicle was facing were included in a class action law suit against BMW. The BMW service center advised me Of this. I had no clue. I called BMW customer relations team, who also confirmed that their was an active class action law suit, and that I could possible receive help with paying for these repairs being that I purchased my truck in August if 2019, I was not contacted by BMW to be advised that my truck may need repairs or even just a care check up to ensure that none of the issues that was included in the law suit were actually happening with my truck at that time.
The person I spoke to at BMW was very helpful with providing me with the proper steps to take, as well as encouraging me not to worry because Bmw takes pride in taking care of their customers. I was then advised that I would have a case manager from the executive office of BMW to assist me and walk me through the entire process of having my vehicle repaired. I was advised to take my truck to a BMW dealership to have the full check up completed(200.00) which I did, the dealership provided me with a loaner vehicle as well. I was advised from BMW executive offices that my case manager would contact the BMW dealership and send over paperwork in regards to next steps on the repairs and cost for the repairs. I then asked the representative if she could also add in the notes in my account, that I am not seeking for a full payment to cover all repairs needed, I am will to pay a portion of I have too, but I would really appreciate it if they could help me in anyway being that these issues were preexisting before I purchased my truck and bmw was aware of this, per the class action lawsuit. But I as the owner, as of August 2019, was never notified of these possible issues. The representative stated she would also include this in my notations on the account and that I will be hearing from the case manager within 1-3 business says. So I waited, and waited, I did not receive call on the 3rd business day but I was still patient due to the case manager May have been faced with a heavy work load. But after waiting for a full 8 days for a call back I started calling, I left several messages on the case managers voice mail, the dealership that has my vehicle stated that had not received any correspondence from BMW executive offices, so I continued to call. I literally call for two weeks straight before the case manager returned 1 call and stayed on the line with me about 2 minutes, which he stated his manger was going to send the necessary paperwork over to the bmw dealership service department today and that he will follow up with me tomorrow. I asked before he got off the phone is he sure that he will contact me due to all of the wait time with no contact or call back from him, he then replied Yes, I will call you tomorrow. The case manager expressed no empathy for the non communication, or the wait time, which was very alarming to me, but more so disappointing. Bmw has a great customer relations team, so I was confident that the same service would be received by the case manager but it was not. I was I. Tears after not receiving a call back the following day as the case manager promised, so I called BMW executive office back, and pleaded for them to let me speak to a supervisor but they stated they could not transfer me to anyone but the case manager that was assigned my case. I explained to them that I have not spoken to him beside that 1 initial call back 1 week prior , and he will not return any messages about my case. They continue to decline to have another person review my case, meanwhile I have my truck sitting at the dealership.
Three weeks later the case manager called me back and stated we can’t help you, you have to ask the bmw service department if they can help you. I asked why was I not contacted back after my several calls, the case manager stated again I can’t tell you that but we can’t help you. I then advised him that communication is key, and that my truck has been sitting for three weeks without any communication at all, even after he stated his manager was going to take care of it. The case manage remained silent on the call, as if servicing me meant absolutely nothing to him.
I am very disappointed in Bmw executive offices for the way I was not serviced at all by the case manager that you have working their. They represent BMW, and This is a very poor representation. Several of my colleagues and friends own bmw’s, they have great things to report about bmw, and this is why I purchased one of my own. Very disappointed.

IF I could give BMW Card A Minus Star I would. They Screwed up my account when transfering to Elan NOT taking Automatic Payments without my knowledge. When I realized it I called them up PAID And they
Reported me to Credit Bureaus!!!!!
I Have an Exceptional Credit with a Red mark from this Horrible Company.
Bad Customer Service
The Worst!!