Wrongfully blacklisted by BMW Finance

Is it possible to give ZERO..NAADA..NILL RATING??? I laid a complaint with BMW FS complaints desk on the 8th of June 2023.Till now,no one has responded or acknowledged my email!!! I am copying an email I sent on this review.Can somebody pls help me.

Good day Barbara

Trust you are well

I am fighting with BMW Finance at the moment for whatever amount they say I owe.I received a settlement letter from them in 2019 stating that I have paid them(attached) I am busy with their complaints department because I also noticed that this month this aaccountbhas been added to my credit record with a default amount of ober R160k,and it shows as default. What is that nonsense done against my name. I will not be garnished or listed nor have anything of mine attached for something I do not know and more importantly I DID NOT default on any arrangement because NO arrangement was done.How is the listing justified??? I will be taking this matter further to thr OMBUDS as well. My name is tarnished on the credit bureau and this is going to affect my work ethics as well as I fo work for a Financial Institution.After all this is sorted,I will also be suing BMW Finance.

Please refer to the attached for your reference Show quoted text Good day

Re:ID Number ***

Kimdly note that I am writing with heavy emotions specifically because of how I hbe been treated. My BMW Finance account was settled in 2019 and I have received a settlement letter confirming this (attached above). I have been harassed by debt collectors(ATTORNEYS) who have now started threatening me on emails and advising that I will be listed and foremost garnished with my employer( refer to the below email).Today when I viewed my credit profile, I see that all of a sudden as I check my score on monthly basis,I have been listed with the same account I know that is not owing(Inhabe also attached this above).Last month this BMW Finance account was not added to my credit profile and now when it appears it shows default for a ridiculous exuberant amount of OVER R160K !!! When did I ever owe this amount???Also if there were any outstanding balances on my account,why was I ever furnished with a settlement letter advising that the account is paid in full?

I work for a Financial institution and this is affecting my work ethics and to my defense I have never made any arrangements with anyone for me to end up being listed and threatened.What arrangement or law did I break??? As far as I am aware I DO NOT OWE BMW FINANCE ANYTHING..If I did ,why did I receive a letter stating that my lease contract has ended and account is settled?Also if I did owe anything,why did it take BMW Finance 3yrs to list me on credit bureau???Their decision to list me has resulted in exacerbating my credit record.Unfortunately this record is there and my employer is demanding answers of this. Please refer to all the attached records that I have at my disposal in support of this complaint.I am deeply disappointed in how this matter has been handled more especially because there is no record where I took ownership or made any form of arrangement for any debt post 2019 when the vehicle was returned and settlement letter being granted.

What I want from this is for lawyers to STOP contacting me and also getting that debt removed from the credit bureau and lastly a full explanation in writing why this happened in the 1st place.A letter from BMW Finance must also be granted that I can produce to my employer explaning the listing in the 1st place.My job is at stake because of all this

I hope to hear from you very soon