Bridgecrest Acceptance Corporation
Consumer Complaints
There are over 396 complaints on file for Bridgecrest Acceptance Corporation. Dated between 2019-11-29 and 2016-05-26.
Complaints Page 7
2018-12-09
Stantonville, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I currently disputed the following car loan : Bridgecrest. I have already brought this to XXXX, XXXX and XXXX attention. I have disputed the account multiple times for incorrect information from the monthly payment, to the terms, and also the original balance. I gave them a chance to fix it. It has been more than 30 days. They updated the item still with the incorrect information. I have sent the bureau a copy of my email coming straight for Bridge crest them self telling me my monthly payment. I also sent XXXX my monthly statement where it shows Bridgecrest taking their monthly payment from my account. XXXX has update my information and now it has the wrong date which I opened the account, and it shows no monthly payment and no terms.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-05
IL
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: the loan company repossessed the vehicle told me the payment that was being made that it was supposed to bring my account current. I am now being told that it did not that it was still 37 days past due for 2 full payments past due.
They refuse to actually call me they put notes in claiming they have called me and then they never do. Not 1 representative has the same story about the past due amount I have one representative claim what I paid was paying the repossession fee only the next claims there was an error made in the payment that they didn't process it right.
On my account it shows that after they took the payment from me that I authorized they attempted to put a payment through that I didn't authorize them to attempt on my account.
At this time their claiming that I am 37 days past due and that the loan modification expired that they were supposed to have approved moving 2 payments to the end of my loan. Their claiming that the 37 days past due is a total of 2 payments which is impossible if it was 2 payments worth it would be 60 + days past due not 37 days past due.
I have read numerous complaints from other people who have had similar experiences with them. When they had the car repossessed they couldn't provide me with paperwork when they filled out the initial loan paperwork they screwed it up putting myself as the co-signer and my co-signer as the main signer on the loan when asked to fix it they said they can't do it because they would have to refinance it and they don't refinance loans.
Company Response: Closed with explanation
2018-11-30
Elmhurst, NY
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Company Response: Closed with explanation
2018-11-29
GA
Communication tactics
Debt collection: Auto debt
You told them to stop contacting you, but they keep trying
Complaint: We bought a XXXX XXXX XXXX through XXXX, using their in-house financing solution, XXXX XXXX. Somewhere down the line, a new provider, Bridgecrest, acquired our loan.
Since then, they have been texting me about this loan, nonstop. XX/XX/XXXX was the start of the exchange. Each time, the car loan was current with a scheduled payment already in place from a verified bank account with available funds. See below for the transcript.
Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt.
Me : I don't consent to these kinds of text messages. Our bill is already paid Them : Your scheduled Bridgecrest payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt.
Them : Your Bridgecrest payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt.
Me : Please stop Them : Thank you for your recent Bridgecrest payment of {$290.00}. Please visit www.bridgecrest.com for full details. For help : HELP. To opt out : STOP.
Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt.
Them : Your scheduled Bridgecrest payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt.
Them : Your Bridgecrest payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt.
As you can see, they're sending these out without consent, which, even if given ( which, I doubt I had ), had been expressly revoked over a month ago. I am unable to resolve this issue without intervention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-28
Lewisville, TX
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Complaint: My car was totaled and bridgecrest was notified on XXXX XXXX. The person who was at fault had their insurance call bridgecrest and say that I was delaying settlement so bridgecrest came and picked up the car on XXXX XXXX so the insurance could get the car. The insurance company lied but bridgecrest did not call me to verify. On the day bridgecrest picked up the car I called and was informed that my gap insurance would cover what the insurance did not so there would not be a balance left over. I waited for an update and I called XX/XX/2018 and spoke with XXXX after they had reported they would remove the line of credit and I advised that I did not agree to that as my gap insurance would pay the car off so I advised they needed to properly update the account as paid in full. XXXX said that the at fault insurance company still had not paid or picked up the car. I advised why not it had been 3 weeks and I asked why no one had contacted the at fault insurance company and I could not get a straight answer. So I called back on the XXXX and spoke with XXXX a supervisor and the at fault insurance company finally came and got the car but still had not paid their portion. XXXX then proceeded to advise me that the deletion of my credit report would not be changed and that bridgecrest had cancelled my gap insurance. She said that they were following procedure and I advised that only when it benefits bridgecrest do they follow procedure and I asked why when I called when the car was repossed and they know it had been totaled out did they not inform me of this and she could not answer that. Later that day again I received 2 calls with 2 voicemails from bridgecrest. Bridgecrest states that they do not have an updated address but I recently came home to a notice for a letter from them that required a signature but due to daytime delivery I was not home and there were no instructions on how to retrieve what was sent. Bridgecrest picks and chooses when to follow their policies only when it is in their favor and once again have violated the calling procedures for collection attempts again for the third time. I also can not even access the account to retrieve any information.
Company Response: Closed with explanation
2018-11-28
Jacksonville, FL
Getting a loan or lease
Vehicle loan or lease: Loan
Confusing or misleading advertising or marketing
Company Response: Closed with explanation
2018-11-26
San Gabriel, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I purchased a car through XXXX, financed through XXXX ( now " XXXX '' ) in XX/XX/2017. I began making payments through the online banking feature at my bank. XXXX/XXXX has repeatedly " lost '' my payments, sometimes finding them days or weeks later and crediting them, late, after charging extra fees and interest. Often, when I call, I am immediately told that my account is " past due '' but there is no record that I have called multiple times about the same issues. This complaint concerns two specific payments, both made on XX/XX/XXXX. These payments, like others, have been " lost. '' I have contacted XXXX on multiple occasions, even sending them proof of payment, asking that the amounts be credited to my account. Their response is to keep charging me late fees. Now they are saying they got the proof of payment, issued by my bank and sent by me, but they want a copy of the actual check. I called my bank, and what they can provide me is the proof of payment I already sent XXXX. It includes the date, check #, expected delivery date, etc. This proof of payment should be accepted by any legitimate company.
Company Response: Closed with explanation
2018-11-26
Palos Park, IL
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-17
Brentwood, TN
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I contacted the company on or about XX/XX/XXXX regarding a payment I submitted that returned from the bank. I attempted to set a payment arrangement on my account to maintain the positive history that we've had for the past 3-years.
I was refused the opportunity to set an arrangement because I'm not far enough delinquent.
I spoke with the company today, XX/XX/XXXX, regarding the same matter and received the same response.
I have been receiving several phone calls per day regarding the past due balance and they refuse to notate my account, stop the phone calls, and honor any sort of commitment that I'm trying to make to pay the past due balance at a future date.
This is harassment and poor service. I have been an exemplary customer for years and I'm just trying to communicate with the lender regarding the past due balance ; much more than most people try to do.
Company Response: Closed with explanation
2018-11-17
Las Vegas, NV
Incorrect information on your report
Vehicle loan or lease: Loan
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-14
Lena, OH
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Complaint: This company is a SCAM. they took advantage of me and i didnt explain the DAILY interest rate. Ive tried to figure out a bette repayment plan but they are refusing to help in any way. They are very rude and disgusting people who constantly hang up on you and dont offer any help.
Company Response: Closed with explanation
2018-11-09
Augusta, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-07
Deerfield Bch, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-06
Birmingham, AL
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Company Response: Closed with explanation
2018-10-31
CO
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Complaint: I got behind on my payments which are due every two weeks because I started a new job. When I got established in the new job I set up a payment arrangement to pay every Friday ( pay day ) until I was caught up and I was keeping the arrangements. However, the company keeps calling me to collect and I tell them that I have a payment plan in place but the still call EVERY DAY. I have talked nicely with them and they keep saying that will notate the account and the calls will stop but they have not.
Company Response: Closed with explanation
2018-10-29
Valrico, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-10-26
Las Vegas, NV
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Complaint: In XX/XX/XXXX I bought a XXXX XXXX XXXX XXXX from XXXX/Bridgecrest always made my payments, I was not perfect but made sure the payments were made. I had the car 10 months and, paid every month tell XX/XX/XXXX the car was totaled XX/XX/XXXX it was signed over to XXXX XXXX XXXX XXXX XX/XX/XXXX, it is at a auction house I no longer own or, have had the car since XX/XX/XXXX. I still was nice and, made payments for a month and, a hafe after I signed it over to the insuance company. I also have Gap, and full drivecare gps warrantys on the car that I paid an extra XXXX for. Bridgecrest/XXXX got the insurance check for XXXX and, is still trying to bill me XXXX for a car I no longer own or have. with them getting refunded all the warrantys and, gap plus gps that I did not get to use for the five year contract this car should be paid off. This is effecting me as, they think they can double dip get me to pay for something I do not own or even have. I bought gap in case something like this happened. This is not right or fair. I am stuck without and, have XXXX XXXX XXXX bills due to a XXXX injury, and I have to pay that out of pocket, but I had every warranty known to man on that car through XXXX, and they want to bill me XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-10-25
Lewisville, TX
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with additional products or services purchased with the loan
Complaint: My vechile was totaled out by the at fault driver 's insurance company. My loan company was aware that the vechile was totaled out. My loan company has not or did not contact me at all since XX/XX/XXXX. I was in dispute with the insurance company so the insurance company contacted my loan company and lied stating that they the insurance company could not get in contact with me. I have attached screenshot showing communication after the date of when the loan company states they sent 10 day letter to the wrong address. So my loan company took the insurance companys side and put the unit out for reposession without any foundation. When I found the car repossessed I called the loan company and was not able to speak to the total loss department about the issue and also found out that the address that they sent the 10 day letter was the incorrect address. I have updated my address 3 months after I got the loan. My issue is that the loan company has never called me to inform me that the insurance company had contacted them and I know they have the correct number because I've had to open previous cases against this company due to numerous calls in one day several days in a row they have made. I was also informed that this is going to show as a reposession on my credit and it should not as it was a total loss and the company was aware of this.
Company Response: Closed with explanation
2018-10-25
Houston, TX
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-10-22
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Company Response: Closed with explanation
2018-10-22
Altama, GA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-10-19
Evans, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-10-19
East Freehold, NJ
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Complaint: On XX/XX/XXXX, XXXX XXXX XXXX, the auto loan borrower, received the aforementioned vehicle from XXXX and an auto loan from XXXX XXXX XXXX, now known as Bridgecrest Acceptance Corporation, with the following conditions : Vehicle Sales Price : {$13000.00} Annual Percentage Rate : 20 % Finance Charge : {$6600.00} Amount Financed : {$13000.00} Total of Payments : {$20000.00} Down Payment : {$1200.00} Total Sale Price : {$21000.00} Terms of repayment : Number of Payments : 109 plus 1 Final Payment Amount of Each Payment : {$180.00} Bi-Weekly Beginning XX/XX/XXXX Amount of Final Payment : {$180.00} on XX/XX/XXXX Please see attached .pdf document for full description of issue ( s ) concerning : ACCOUNT # XXXX VEHICLE DESCRIPTION : XXXX XXXX XXXX XXXX VIN # XXXX Thank you.
Company Response: Closed with explanation
2018-10-19
Fort Lauderdale, FL
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-10-16
Sylvester, GA
Incorrect information on your report
Vehicle loan or lease: Loan
Account information incorrect
Complaint: I pulled a copy of my credit report from all three credit reporting agencies and was scrubbing for inaccuracies when I notice that the balance Bridgecrest have been reporting was not correct. I called the company to inquire about my account balance and the method which they used to distribute the principal and interest and was told that everything looks good on their end and that my loan is a simple interest loan which incurs daily interest. I asked if they have hidden fees and was told No they do not. Dissatisfied with the answers I got, I asked for an updated statement of my account activities which Bridgecrest sent me two days later. I carefully went over the document and noticed a trend in the distribution of principal and interest. Instead of gradually declining ( Interest Payment ) and increasing ( Principal Payment ) the numbers keep jumping back and forth, which is highly unlike the result of simple interest equation. I got with my financial adviser to look over the statement, Contract and my account and upon revision came to the same conclusion that the numbers are not adding up. I called Bridgecrest after my talk with him and got connected to the Military department where I spoke with a lady who gave me the same spill about my interest is calculated on a daily basic and nothing is out of the ordinary. I then realize that I would not resolve this without a third party. Also, I noticed that my first Bi-weekly payment all went to interest.
In addition, I also compared the balances from statement with all three of credit report and notice that they did not match.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation