Bridgecrest Acceptance Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/28/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 45014	Web	Older American
XXXX ( This email address was listed with state of Ohio. ) A lady by the name of XXXX XXXX that is currently working with an XXXX XXXX XXXX that is illegally operating in the state of Ohio is ripping off Ohio consumers that has their cars repoed. XXXX XXXX rips off consumers by setting recovery appts. For repo consumers to come to their repo lot, she works at then purposely charges the consumers illegal fees @ {$35.00} a pop claiming that consumers miss appointments she schedules for the consumers. XXXX XXXX purposely do not return emails and or phone calls to me just so she could pull a {$35.00} fee charge on me claiming I did a no-show appt. and I did not do a no-show appt... I called and emailed this XXXX XXXX the exact same day I made my first initial appointment, then many times same exact day I made my first appt. reached back out to this XXXX person about 2 hours later after I made my first initial appointment to get a rescheduled appt. date ( exact same day ) to come to the XXXXXXXX XXXX XXXX XXXX XXXX to collect my personal items from a car that I had was repo by this company. XXXX XXXX from the XXXX XXXX XXXX XXXX purposely tried to scam me out of {$35.00} fee Claiming that I did not show up for my personal items recovery appointment. I can surely understand if this is what their company do If you just dont show up when you have scheduled an appt. But this was not my case. I tried to get another reschedule appt. the exact same day I made my first initial appt. If you look at the important part of her redemption notice I did indeed follow XXXX policy, apparently this lady named XXXX did NOT follow her own policy notification letter. Proof attached. XXXX # XXXX policy is what I am lodging my formal complaint on. 4. IF YOU NEED TO RE-SCHEDULE YOUR APPOINTMENT IT CAN NOT BE LATER THAN 1 HOUR BEFORE YOUR SCHEDULED TIME, OR YOU WILL BE ACCESSED ADITIONL FEE OF {$35.00}, EACH TIME. This XXXX thief decided to purposely not respond to my voicemails the exact day XX/XX/XXXX, XXXX sent me her email for instructions to make an appt. 5. YOU CAN EMAIL THE RESCHEDULE OR CALL THE ABOVE NUMBER 1 TIME. DO NOT CALL MULTIPLE TIMES, THIS WILL ONLY DELAY YOUR RESPONSE TIME. XXXX will not even respond the first time you contacted her. ( This is also an outright lie. ) I email XXXX the exact same day I made my appt. XXXX purposely did not respond to my email. So, what is the point of XXXX listing this outright lie of not to call and or email more than one time? If that the case... I should have been able to reschedule my appt. before my appt. was schedule to take place on XX/XX/XXXX. XXXX XXXX would have honored her own policy by re-contacting me back the first time I contacted XXXX to reschedule my appt. XXXX XXXX is lying in writing just so she could let my email request purposely go by her for 2 days so XXXX could extort me for a {$35.00} fee by saying I failed to contact her to reschedule my appt. with her illegal XXXX XXXX XXXX. ( Oldest trick in the book. ) I did just what XXXX policy stated. This # XXXX fake policy of this XXXX thief just goes to show that many consumers have tried massive times in one day to contact this XXXX, and XXXX sets the consumers up for extortion by NOT returning emails or phone call back to the consumer so the consumer intentionally have to be charged a {$35.00} fee for a no show and or just not coming to their appt. when the consumer reached out and there was no purposely return call and or email from this XXXX person. Total EXTORTION for the consumer whos already suffered a hardworking loss of the car, then you have this human con artist to worry about trying to steal money from you then having to pay this thief name XXXX XXXX {$35.00} fees just so XXXX can make money for her illegally company who is not in the first place supposed to be operating in the State of Ohio. XXXX policy Number 6. YOU CAN NOT BE MORE THEN 15 MINUTES LATE ; YOUR APPOINTMENT WILL BE CANCELLED AND YOU WILL HAVE TO RE-SCHEDULE A NEW ONE. THIS CAN RESULT IN HIGHER FEES OWED. ( This was not my case ) 7. IF YOU ARE NOT PREPAIRED FOR YOUR SCHEDULED APPOINTMENT TIME, YOU WILL BE MADE TO MAKE A NEW APPOINTMENT. NO EXCEPTIONS. ( Entire Document of Redemption from this XXXX person is attached ) I did just what XXXX policy requested. Exactly what I was supposed to do legally before my appointment was even scheduled to take place. On XX/XX/XXXX, when I made my initial appointment. I called this woman XXXX back the exact same day XX/XX/XXXX, I made my initial appointment to reschedule a new appointment with her the exact same day which was XX/XX/XXXX. Heres the proof of the email XXXX from XXXX XXXX XXXX XXXX first sent to me. I also sent calls on XX/XX/XXXX to reschedule the exact same day to this thief XXXX that likes extorting consumers. First call took place to XXXX at XXXX XXXX, I called this same woman again at XXXX to reschedule MY APPT. DATE the exact same day. Here 's proof of the call I tried to make and XXXX purposely ignore my phone call too. This is a crime. First of all, XXXX is operating illegally in the state of Ohio and her recovery company was the company who repoed my car. How is this kind of person not in jail? I tries to make another appt. for the exact same day XXXXXXXX and NOW this crook XXXX wants to charge me a {$35.00} fee because she thought that she could run a scam and did not think I would track her or my email or phone call to cover myself. this crime XXXX has tried to scam me with is totally against the law. thus crazy. The proof of me placing a call to reschedule from the initial appointment is shown right here. XXXX XXXX XX/XX/XXXX. XXXX. I can show documentation of proof that XXXX XXXX is trying to extort me by pulling her no-show for the appt. con game, now if I dont pay the {$35.00} fee from when XXXX claiming that I did not show up for my first schedule appt. to get my personal items from the car her illegal company XXXX XXXX my car from me, this XXXX person has NOW stolen my Ohio licenses plates Handicap sticker and is going to hold my licenses plates hostage until she thinks she can con me out of {$35.00} to pay her for a no show fee when I tried to reschedule the exact same day which was 2 days before I was schedule to come to their repo lot. My first appt. was schedule for XX/XX/XXXX. I have shown proof twice that I tried to contact this scam artist twice in one day. I have also shown proof that XXXX whomever this crook is purposely ignores both my emails and my return phone calls to rescheduled my appt. with her to come to the repo lot to get my personal items out of the car her fake illegal company repoed/towed away for the Bridgecrest finance co. ( XXXX ) This XXXX person , she purposely sets up repo consumers so she can con a {$35.00} fee charge on consumers. Look at the number of emails and calls that this thief purposely ignores just so she can scam me the consumer into paying her illegal company fees at {$35.00} a pop? NOT! Please stop this person. This XXXX XXXX XXXX business that this XXXX is operating in the state of Ohio is not in legal status with state of Ohio. How can this happen. Please stop her and demand that she releases my state of Ohio licenses plates and release my license plates back to me without a con artist fee. Now I see why her business is called XXXX. XXXX will XXXX you blind if she can get away with it! On XXXX the XXXX, XXXX. I emailed XXXX a total of four times on XX/XX/XXXX the exact same day she gives me my first appointment. Heres proof that this thief XXXX can respond on the same say. therefore, there was no reason to ignore my other emails and not responds to me ( exact same day XX/XX/XXXX ) getting another reschedule appointment different form XX/XX/XXXX appt. to come to XXXX repo lot to get my personal belongings without being set up to be illegally scammed into a {$35.00} unnecessary fee. This XXXX responded the exact same day. XXXX, XXXX at XXXX. Once again this proves that XXXX was aware of me wanting to reschedule my appt. to come get my personal belongings. XXXX could have issued me another time /date to be reschedule for me to come to the repo lot on a reschedule appt. and purposely did not just so XXXX could set me up for her to illegally charge me a {$35.00} no show fee for not coming to repo lot appt. this XXXX person claims I missed on XX/XX/XXXX. XXXX. Just look below. XXXX responds via email just 4 minutes right after I place a phone call to her to ask to be rescheduled from my first initial appt. Look at the time of the call, then look at the time from the email. In the above email this XXXX person responds to me by email says absolutely NOTHING to me in reference to me as to my request wanting to reschedule my appt from XX/XX/XXXX while speaking to me by email on XX/XX/XXXX @ XXXX email. I WILL NOT PAY {$35.00} TO GET My Licenses plate/Handicap sticker. I did just what was asked of me to do with this fake XXXX XXXX request so I could get whats was mine out of the repo car. All this could have been avoided if this XXXX person had of been an ethical person but was and still is not an ethical business company. On XX/XX/XXXX the initial day XXXX gives me the first appt. to come to the illegal recovery auto lot go past the date purposely because XXXX did not want to return my calls & emails on XX/XX/XXXX just so she could purposely extort me for {$35.00} for a no-show appt. on XXXX XXXX this is outright wrong and abuse! No consumer should have to deal with this kind of con. Its against the law and this company should be closed. Proof illustrates that I contacted this XXXX XXXX company several times whereas XXXX XXXX could have just given me another appt. time and different day. Look at all these times in the exact day I contacted XXXX XXXX Proof shows I could have gotten a different reschedule time without being charge a {$35.00} fee because I requested another appt. time within a 2 hours time on the exact same day, I had received my first initial appt. XXXX XXXX no reason for this whatsoever! Look at the massive times this XXXX XXXX person responded to me via email? but XXXX XXXX refuses to reschedule me for another appointment? Really seriously, makes no sense to try to rip me off over an appt. time slot that could have been reschedule the exact say day which is 2 days before I am schedule to arrive at repo lot. How does a business get away with purposely not returning a consumer 's call the exact same day you are responding to the customers emails which is on XX/XX/XXXXXXXX you are speaking to the consumer in several emails many times the exact same day? just so you can pull a scam to charge the customer money 2 days later on XX/XX/XXXX. This is what this XXXX thief person did. XXXX pulls the scam on the exact day I was to show up which was XX/XX/XXXX. There was massive times this XXXX could have reschedule me ( same day ) and refused just so she could scam me out od {$35.00} no-show fee on XX/XX/XXXX, 2 days after I desperately continued to contact this XXXX XXXX to reschedule me back on XX/XX/XXXX and you can see proof that this XXXX did indeed respond to me on XX/XX/XXXX, mass times after being notified that I wanted to make another appt. the exact same day I first schedule an appt. to get on the not to get my belongings. I have now reported my license plates and handicap sticker stolen and I listed XXXX XXXX XXXXher illegal repo lot called XXXXXXXX XXXX XXXX as the thieves that are holding my personal license plate/handicap sticker and other personal items because I will not allow this XXXX XXXX awful company to scam me out of {$35.00}. On XX/XX/XXXX the exact same day XXXX XXXX at XXXX XXXX XXXX gives me an appointment. XXXX XXXX of this XXXX XXXX lot company, proof be shown, XXXX XXXX had plenty of time to call me back and or email me back to give me another appointment outside of the XX/XX/XXXX first initial date that was given to me. XXXX didn't want to do that because XXXX knew if she did not respond on the same day of XX/XX/XXXX she gave me. this extortionist XXXX... she purposely waited two days to still not return my emails or my calls just so she could extort me for {$35.00}. Proof and documentation show there was no reason why XXXX XXXX XXXX could not return my call. Documentation shows that : XXXX XXXX had two days early before I XXXX XXXX XXXX was scheduled to arrive at this recovery parking lot to retrieve my personal items could have received another schedule appt. way before XX/XX/XXXX date took place. this woman and the XXXX XXXX XXXX company are crooks and should not be allowed to be in business. On XX/XX/XXXX, I contacted the local police in XXXX XXXX local community area. XXXX Ohio police dispatch gentleman say they get a ton of calls about this bad company. XXXX XXXX that took my call as I request to file a police report for my license plate/handicap sticker items that is being held against their will, Policewoman at XXXXXXXX XXXX XXXXXXXX XXXX tell me to let this person extort me for money and then spend thousands of dollars to take her to local court to retrieve me {$35.00} that this XXXX thief is trying to scam me out of... I think not! the XXXX XXXX Policewoman is crazy as this XXXX XXXX. times are too hard to be letting people rip you off over XXXX XXXX. I want my license plate/handicap sticker. I am total disable and need both. this woman XXXX XXXX of the XXXX XXXX XXXX fake company that is not license to practice repo business in the state of Ohio is purposely holding my license plate/Handicap sticker. if I don't pay XXXX XXXX the XXXX XXXX a {$35.00} to release my license plate/Handicap sticker. I will not be extorted because a lazy trifling extortionist company such as XXXX XXXX XXXX not license to operate in the state of Ohio. This XXXX person is sitting back in her office ripping people off purposely by not retrieving emails or returning calls just so she can run a bill and charging people like me and others fake fees. As I reiterate, I contacted this woman to reschedule an appointment two days early before I was even scheduled to be at the recovery lot XXXX tells me on XXXX the XXXX that she has to charge me {$35.00} because I did not show. XXXX is a thief and I am asking you as an agency to contact this extortionist XXXX and make her take the fee off of me and release my license plate and other personal property. it is XXXX own fault of poor business ethics that she failed to purposely not contact me the exact same day she gave me the appointment it wasn't even an 8 hour late over it was maybe 2 hours after she booked the appointment for me. there's no reason the exact same day that I scheduled the itinal appointment. please stop this company from scamming and stealing from consumers in the state of Ohio. close this business. XXXX has NO license to operate in Ohio. Stop this company from stealing from us hard-working people. XXXX XXXX setup scheme is to PURPOSLEY not return your emails or your calls THE EXACT FIRST TIME YOU REACH OUT TO THEIR XXXX XXXX XXXXXXXX just so XXXX XXXX who runs this illegal company can say you did not show up for your appointment or XXXX lies and says she did not hear from you so she can purposely charge you a {$35.00} fee. Can you imagine how many thousands of dollars she has ripped off the public playing this extortion game. please stop her by closing her business and not allowing this company of hers to keep operating on a revoke license. No thief or extortionist should be allowed to operate a business this way check the email dates and time and my phone numbers that I tried to reach this con artist that is operating illegally. This thief, extortionist and liar name XXXX XXXX is stealing from thousands of Ohio consumers that this XXXX company hires to repo people cars. Look at the proof. It shows this is how XXXX makes her money conning consumers in Ohio so she can stay in illegally business to make money off of people struggling. this woman is a monster and she needs to be stopped and placed in jail. This company is also illegally operating. See look. They have repo my car and repo my car without a legal license to operate as a recovery business in the state of Ohio.
06/03/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 92336	Web
To whom may correspond, I receive a call from Bridgecrest related to this complain this morning. They alleged the account has been charged off and cant do anything to reinstall the account. They said because XXXX POLICIES, it i dnt think make sense as the loan is with BRIDGECREST, Only wait to have the car repossessed as soon the California authorities allow them due to COVID-19 pandemic, after it, they could evaluate the possibility to reinstall the account paying all the past due plus fees. If surrender voluntary they cant offer anything else than pay off the full vehicle value or lost the vehicle, but recommend making payments as we could before the repossession takes effect. I understand they wont help and working out any solution to resolve this matter. As I understand they wont comply with California law due to this pandemic. As mentioned, we are willing to make payments as soon Ill receive my unemployment PUA payment, knowing after we will be viable to work as soon the markets reopen on my activity, Ill be secured on my position as XXXX XXXX as before. Please help on this as we would like to address this matter understanding itll be the best for both parties. Our request for forbearance as California law mentioned AB-2501 COVID-19 : homeowner, tenant, and consumer relief doesnt take on account for this company Bridgecrest. We are victims of a hardship due to health issues and the pandemic and only want to work it out with ( BRIDGECREST company partnering with XXXX ) on the best manner. Below you can find a copy of the California law passed due to this matter as support. We just request please to reevaluate this matter after the person who contacted us this morning mentioned ( after revision with his higher-level manager its nothing they could offer us to resolve this matter. ) Thank you in advance for your support. 3273.31. ( a ) A consumer experiencing a financial hardship during the COVID-19 emergency may request forbearance from any vehicle-secured credit obligation, regardless of delinquency status, by submitting a request to the servicer of vehicle-secured credit, either orally or in writing, affirming that the borrower is experiencing hardship during the COVID-19 emergency. A borrower shall not be required to provide any additional documentation to receive such forbearance. ( b ) A servicer of vehicle-secured credit shall provide the forbearance requested pursuant to subdivision ( a ) for a period of 90 days. If the borrower affirms that they continue to experience hardship within the 30 days prior to the expiration of the initial forbearance period, the servicer of vehicle-secured credit shall extend the forbearance period upon request of the borrower for an additional 90 days. Those forbearance periods shall continue to be extended upon request of the borrower throughout the duration of the COVID-19 emergency and the 180-day period following that emergency. ( c ) During the period of a forbearance under this chapter, a servicer of vehicle-secured credit shall not assess, accrue, or apply to a borrowers account any fees, penalties, or additional interest beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the vehicle-secured credit obligation contract in effect at the time the borrower enters into the forbearance.3273.32. ( a ) Before the completion of a forbearance period provided by this article, the holder of a vehicle-secured credit obligation shall evaluate a consumers ability to return to making regular payments. ( b ) If the consumer is able to return to making regular payments based on the evaluation required by subdivision ( a ), the holder of the vehicle-secured credit obligation shall : ( 1 ) Modify the consumers vehicle-secured credit obligation to extend the term for the same period as the length of the forbearance, with all payments that were not made during the forbearance distributed at the same intervals as the consumers existing payment schedule and evenly distributed across those intervals, with no penalties, late fees, or additional interest accrued beyond the amounts scheduled or calculated as if the consumer made all contractual payments on time and in full under the terms of the vehicle-secured credit obligation contract in effect at the time the consumer entered into the forbearance, and with no modification fee charged to the consumer. ( 2 ) Notify the borrower in writing of the modification required by paragraph ( 1 ), including provision of a new payment schedule and date of maturity, and that the consumer shall have the election of prepaying the suspended payments at any time, in a lump sum or otherwise. ( 3 ) Not require the consumer to waive any other claim provided by law in order to accept the terms of a modification. ( c ) If the consumer is not able to return to making regular payments based on the evaluation required by subdivision ( a ), the holder of the vehicle-secured credit obligation may proceed with a written notice of intent to repossess the vehicle as required by law only after the expiration of the COVID-19 emergency and the 180-day period following that emergency. 3273.33. Notwithstanding Sections 2983.2 or 2983.8, or any other provision of law, no deficiency judgment shall lie in any event after the sale or other disposition of a mobilehome or motor vehicle for failure by a consumer to make a payment that was due during the COVID-19 emergency or the 180-day period following that emergency unless the servicer of the vehicle-secured credit obligation has complied with all provisions of this chapter. 3273.34. The provisions of this title are severable. If any provision of this title or its application is held invalid, that invalidity shall not affect other provisions or applications that can be given effect without the invalid provision or application. SEC. 3. Section 22698 is added to the Financial Code, to read : 22698. ( a ) Notwithstanding any other provision of this chapter, the following shall apply during the COVID-19 emergency and the 180-day period following that emergency : ( 1 ) Within 60 days of enactment of this section, a program administrator shall notify each property owner with an outstanding assessment contract that the property owner is entitled to forbearance on the next annual PACE assessment owed pursuant to the assessment contract if the property owner is facing a financial hardship, directly or indirectly, due to the COVID-19 emergency. The notification shall specify how the property owner may elect to accept the offer of forbearance. ( 2 ) A program administrator shall provide forbearance on the next annual PACE assessment owed by a property owner that accepts the offer pursuant to paragraph ( 1 ). ( 3 ) A program administrator may require the property owner to pay the amount of the forborne PACE assessment in the year following the scheduled end of the assessment contract. A program administrator may not charge additional fees or interest related to the forborne PACE assessment. ( 4 ) A program administrator shall not exercise any contractual rights of acceleration related to unpaid assessments during the COVID-19 emergency. ( b ) For the purposes of this section, COVID-19 emergency means the period that begins upon the date of the enactment of this section and ends on the date that the state declares the emergency related to the COVID-19 disease has ended. SEC. 4. Section 23039 is added to the Financial Code, to read : 23039. ( a ) Notwithstanding any other provision of this division, the following shall apply during the COVID-19 emergency and the 180-day period following such emergency : ( 1 ) A fee for a deferred deposit transaction shall not exceed 5 percent of the face amount of the check. ( 2 ) A licensee shall offer a customer the option to enter into a payment plan that provides an extension of time for repayment of an existing deferred deposit transaction. The payment plan shall include the following terms : ( A ) The plan shall not contain any additional fee or charge of any kind. ( B ) The plan shall provide the customer with the option to repay the outstanding amount of the existing deferred deposit transaction over a 60-day period in four equal installments. ( 3 ) At least three days prior to the date to which deposit of check has been deferred ( due date ) according to the agreement provided by the licensee to the customer pursuant to subdivision ( e ) of Section 23035, a licensee shall notify a customer of their option to enter into a payment plan pursuant to paragraph ( 1 ). If at any time, the customer attempts to pay the licensee for an outstanding amount of an existing deferred deposit transaction, the licensee shall immediately notify the customer of their option to enter into a payment plan pursuant to paragraph ( 1 ). ( 4 ) A licensee shall not enter into a deferred deposit transaction with a customer within 14 days of the customer fully repaying a previous transaction. ( 5 ) A licensee shall not charge any late fee for the return of a dishonored check by a depository institution in a deferred deposit transaction. ( b ) For the purposes of this section, COVID-19 emergency means the period that begins upon the date of the enactment of this section and ends on the date that the state declares the emergency related to the COVID-19 disease has ended.SEC. 5. The provisions of this act are severable. If any provision of this act or its application is held invalid, that invalidity shall not affect other provisions or applications that can be given effect without the invalid provision or application.SEC. 6. No reimbursement is required by this act pursuant to Section 6 of Article XIII B of the California Constitution because the only costs that may be incurred by a local agency or school district will be incurred because this act creates a new crime or infraction, eliminates a crime or infraction, or changes the penalty for a crime or infraction, within the meaning of Section 17556 of the Government Code, or changes the definition of a crime within the meaning of Section 6 of Article XIII B of the California Constitution. Please, revise my account. after called customer service, the only answer was pay off the vehicle full balance or wait to have it repossessed. Due to COVID-19 we struggle financially. we have a XXXX XXXX XXXX XXXX and XXXX kids, If we can have the two deferred payments mentioned to other customers on XXXX, we could clear the past due probably at the end of the month and get the account up to date. I'm just waiting for my PUA as self employed to be paid as has been approved retroactive back to XXXX, but because the many applications the process its been very slow. Please Help, we would like to resolve this matter for both parties. Thank you in Advance Desired Outcome/Settlement Desired Settlement : Billing Adjustment Get support to bring my account current with a payment plan as I've expressed on my complain in Comply with California Law better than what they said over the phone, needing to pay of the full balance or wait till the car is repossessed. We want work out a solution without ending up having the car repossess. Thank you in Advanced. After talking with customer service cant believe they ( Bridgecrest ) just offer to pay off the loan or wait until the car is repossessed. We wanted to resolve the problem, but they wont give any option. Very disappointed. User 's recommendation : check with another lenders before sign any car loan as they wont help to customers affected by the cover-19 pandemic. Thank you in Advance
06/15/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 381XX	Web
In reference to complaint ( XXXX ) XXXX, XXXX Bridgecrests agent XXXX, has failed to answer any of the complaints put forth. In her response, copied and pasted directly from the Response correspondence, she stated the following : On XX/XX/XXXX, XXXX XXXX entered into the Contract when he purchased a XXXX XXXX XXXX from XXXX. Bridgecrest is the account servicer. At the time of sale, XXXX XXXX had the opportunity to review, acknowledge, and sign the XXXX terms. XXXX XXXX agreed to remit monthly payments of {$260.00} beginning XX/XX/XXXX, as outlined in the XXXX XXXX XXXX XXXX Disclosure box on page XXXX of the Contract. On page XXXX of the Contract, in the section labeled Electronic Signature Acknowledgment, it states : You understand that Seller XXXX transfer this Contract to another company in the electronic form or as a paper version of that electronic form with would then become the authoritative copy. Seller or that other company XXXX enforce this Contract in the electronic form or as a paper version of that electronic formOn XX/XX/XXXX, XXXX XXXX entered into the Contract when he purchased a XXXX XXXX XXXX from XXXX. Bridgecrest is the account servicer. At the time of sale, XXXX XXXX had the opportunity to review, acknowledge, and sign the XXXX terms. XXXX XXXX agreed to remit monthly payments of {$260.00} beginning XX/XX/XXXX, as outlined in the XXXX XXXX in Lending Disclosure box on page XXXX of the Contract. On page XXXX of the Contract, in the section labeled Electronic Signature Acknowledgment, it states : You understand that Seller may transfer this Contract to another company in the electronic form or as a paper version of that electronic form with would then become the authoritative copy. Seller or that other company may enforce this Contract in the electronic form or as a paper version of that electronic form Bridgecrest had a fiduciary responsibility to finance the transaction. The issue with her statement is that she is saying my issue is that XXXX transferred the contract to Bridgecrest. This process is called an assignment. XXXX Her implication is that Bridgecrest has no responsibility for Bridgecrests violations. She seems to think that they are not responsible for their own violations and crimes. XXXX She made mention that I need to remit payment. Well in order for me to REMIT payment, I would need to receive payment first. And therein lies Bridgecrests violation of fraud and theft. They havent made any cash advancement in order for me to remit payment. When they dont send the cash advancement they get to keep by operation of law. Then they also receive my monthly payment. The assignor : XXXX The assignee : Bridgecrest ( given the right to collect payment on behalf of XXXX, which comes with other obligations to both me and XXXX. Bridgecrest was to incur obligation and make advancement according to XXXX and TN laws ) In other words because XXXX transferred as XXXX put it, which is an assignment, doesnt release Bridgecrest from being held accountable for any violations of the agreement it has incurred. Both the XXXX XXXX were obligated to perform according to the agreement. These types of agreements, purchase money loans ( which according to the FTC guide, the transaction I participated in meets the definition of a Purchase Money Loan ) operate according law What's not being understood here is that this type of transaction is processed ( financed ) according to the rules of contract, commercial law and XXXX accounting. Agent XXXX seems to think that just because you signed thats it! Well it matters to common law and commercial law the manner or circumstances in which a person signs a document. Consideration matters or the lack thereof. The contract that I signed, which was constructed by XXXX and Bridgecrest, was a fraud from the moment it was conceived. It lacked material disclosures required by XXXX, TN law for consumer credit transactions. One of those disclosures, or the law for it is 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ( a ) ( b ) According to the Federal Trade Commissions Staff Guidelines on Trade Regulation Rule Concerning Preservation of Consumers Claims and Defenses, when that disclosure is not made then it is considered a deceptive act, also known as fraud. Now before you go to my contract that XXXX and Bridgecrest constructed and gave to me to sign, which should have been constructed according to XXXX and TN law. Please read the guide because it is going to make you aware that the notice is to appear without a qualifying statement. If it does appear with a qualifying statement then the Federal Trade Commission considers this a deceptive act and treats the contract as if the notice is not there. Heres what is printed on my contract. Note. If the primary use of the Vehicle is non-consumer, this is not a consumer contract, and the following notice does not apply. NOTICE. ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER This is improper not because I say so, but because the XXXX and TN XXXX requires that the notice appears in consumer credit transactions as the following without a qualifying statement. NOTICE. ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER Purpose for the rule according to FTC PURPOSE OF THE RULE In adopting this Rule the XXXX determined that it constitutes an unfair and deceptive practice within the meaning of Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ) for a seller, in the course of financing a consumer purchase of goods or services, to employ procedures which make the consumers duty to pay independent of the sellers duty to fulfill his obligations. In the course of public proceedings of the Rule the Commission documented numerous cases where consumer purchase transactions were financed in such a way that the consumer was legally obligated to make full payment to a creditor despite breach of warranty, misrepresentation, and even fraud on the part of the seller. Under ordinary contract law, the promises of the parties to a sale transaction are mutually dependent. A seller is entitled to payment provided he delivers what he promised to deliver. If the seller fails to deliver what was promised, the consumers obligation to pay may be reduced or even eliminated. However, it is possible for a seller to arrange credit terms for buyers which separate the consumers legal duty to pay from the sellers legal duty to keep his promises. Here is the TN code for this same law. 47-9-403. Agreement not to assert defenses against assignee. ( d ) Omission of required statement in consumer transaction. In a consumer transaction, if a record evidences the account debtor 's obligation, law other than this chapter requires that the record include a statement to the effect that the rights of an assignee are subject to claims or defenses that the account debtor could assert against the original obligee, and the record does not include such a statement : ( 1 ) the record has the same effect as if the record included such a statement; and ( 2 ) the account debtor may assert against an assignee those claims and defenses that would have been available if the record included such a statement. 47-9-404. Rights acquired by assignee Claims and defenses against assignee. ( d ) Omission of required statement in consumer transaction. In a consumer transaction, if a record evidences the account debtor 's obligation, law other than this chapter requires that the record include a statement to the effect that the account debtor 's recovery against an assignee with respect to claims and defenses against the assignor may not exceed amounts paid by the account debtor under the record, and the record does not include such a statement, the extent to which a claim of an account debtor against the assignor may be asserted against an assignee is determined as if the record included such a statement. So the contract lacks validity because of a lack of consideration, noncompliance according to TN and XXXX law. This is a breach of contract for those reasons among others. Not because I say so, its what the law prescribes. The contract is XXXX on its face. There is fraud in the inducement. The XXXX XXXX and the transferee also known as the XXXX Bridgecrest are responsible. So the implication from agent XXXX that Bridgecrest had the contract transferred which is really an assignment, so therefore assignee Bridgecrest is not responsible for violations of the XXXX XXXX. Well the assignee may not be responsible for the violations of the XXXX XXXX, the XXXX Bridgecrest is responsible for the accounting ( financing ) of the transaction in which Bridgecrest has committed, by not incurring the obligation of making advancements. This was a purchase money loan and the contract should be constructed according to XXXX law and operate by the rules of law and Bridgecrest nor XXXX operated accordingly. While the law sets a statute of limitations on claims such as these, I am well within the statute of limitations. Just because someone signs doesnt set everything in stone. Agent XXXX has acquiescence to the other questions of fraud, deceptive practices, such as forgery, conversion of instrument which is theft. Bridgecrest had an obligation and has 35 times failed to incur obligations and make advancements. All violations are mentioned in Notice Of Effective Assignment. Bridgecrest nor XXXX have responded with monthly statements according to Bridgecrest has also failed to honor modification of contract, assignment from debtor pursuant to TN XXXX. Modification of assigned contract Agent XXXX needs to know that a notice of effective assignment is an assignment coming from the debtor ( XXXX XXXX ) to do the same thing that ( XXXX ) Bridgecrest was supposed to do for XXXX ( XXXX ) and that is to collect payment from the debtor ( XXXX XXXX ), but because the assignor and assignee committed violation ( XXXX ) of the agreement, the debtor ( XXXX XXXX ) has a right to remedy and that remedy can be by modification of contract. An assignment ( modification of the contract ) to the CEO of the financial agency ( Bridgecrest, still the assignee, but now a collector of payment on behalf of assignor XXXX XXXX. Bridgecrests agent XXXX, also stated the following in the response to CFPB complaint Upon receipt of XXXX XXXX complaint, we have confirmed all policies, procedures, and applicable laws were followed in the administration of his account. The statement is false as this transaction is a cash advancement. I havent received any cash advancements to remit payment. If any payments made by Bridgecrest to XXXX XXXX would have to be in an account I know nothing of. Did Bridgecrest open any accounts in my name and deposit checks? I would also like to request a statement of account.
10/14/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 79705	Web
XX/XX/XXXX Consumer Financial Protection Bureau RE : Bridgecrest response to Complaint # XXXX ( XXXXXX/XX/XXXX. ) False and/or Misleading Representation The response from a representative of Bridgecrest to my grievance contained misleading and false assertions. The representative alleged that I personally accessed the self-service portal and registered a new bank account and routing number. They further claimed that I used this unfamiliar payment method on XX/XX/XXXX ( This is an inaccurate and misleading assertion ) Where is the proof indicating that I input this information in that manner? The following day, on XX/XX/XXXX, I reverted to my standard method of making two distinct payments ( This fact was established due to my account status reflecting 126 days of overdue payments ). My advisor recommended maintaining my arrears under 120 days despite my account status being in dispute at the time. After completing the payments, I realized that I was no longer able to access the account, leading to a phone call on XX/XX/XXXX. During my discussion with the representative over the phone, I was informed, " The account is now fully paid off and closed. '' I asked the representative to confirm this, and they did, stating that the account was indeed " fully settled '' and that it was not merely reflecting as such. About an hour later, I reached out to Bridgecrest once more, this time via text, for further confirmation. Once again, I was assured that the account was " officially closed and marked as fully paid. '' I was also told when to expect the release of the title, with the date being no later than XX/XX/XXXX. However, The reply from Bridgecrest 's agent response to the CFPB complaint on XX/XX/XXXX seems to be based on perceptions that the account is in a certain state, rather than the actual facts that the debt was completely cleared, but this is not depicted in the mailed transaction statements provided by Bridgecrest actual documentation. These statements unambiguously demonstrate that this account was paid in full. Moreover, evidence of manual adjustments to transactions I executed on XX/XX/XXXX is apparent. Bridgecrests agents response does not recognize that this account was closed then manually reopened ; instead, they assert that the account was never officially cleared but merely appears so in the application, which is an inaccurate assertion. If this were the case, the account should not present a clearedXX/XX/XXXX status on the transaction statement if the company verifies the funds ' definitive clearance before closing an account with a status of paid in full. Based on the transaction record supplied by Bridgecrest, it appears the expected repayment was not reversed on XX/XX/XXXX as alleged by the Bridgecrest representative in their CFPB response letter, but actually on XX/XX/XXXX, which is a misleading representation. It was also observed that the dates of my payments, initially made on XX/XX/XXXX, were subsequently altered and recorded as posted on XX/XX/XXXX. This alteration was done without my permission or knowledge following the prior confirmation that my account was fully settled, constituting deceptive conduct. On XX/XX/XXXX, I unknowingly reached out to Bridgecrest once again inquiring whether they could electronically transfer the vehicle 's title due to its sale on the previous day, but my request was refused. The representative not only declined but also insulted me, labeling me " XX/XX/XXXX ''. However, they acknowledged my account was " fully paid and closed '', but indicated Bridgecrest 's intention to re-open it based on some unidentified payment issue. I promptly raised my objection, stating they had no permission from me to re-open the settled account. I warned them that such an action would constitute a breach of the law, even if the fault lay with Bridgecrest which would result in Promissory Estoppel. The call was then disconnected Bridgecrest 's representative 's response to the CFPB complaint suggested that a backend audit was underway. The audit demonstrated that the account balance was at " XXXX '' and had indeed been " Discharged '', reiterating that the business had reactivated the account without my consent or any form of communication. On XX/XX/XXXX, XXXX XXXX the same agent who addressed the CFPB complaint, reached out to me by phone. The motive for her call was to discuss previously withdrawn CFPB complaints, contrary to what was indicated in the written CFPB response on XX/XX/XXXX ( this account is false ). She tried to discuss account-related issues, but the call got cut off during her attempt, a violation of the pre-existing Cease and Desist order. I attempted to return her call to understand her concerns, but I didn't succeed as she didn't pick up ( Not as claimed by XXXX stating that I didn't respond - False Statement ). The Bridgecrest representative didn't make an effort to reconnect with me and didn't answer my call when I tried calling back ( four times ). On XX/XX/XXXX, in the CFPB reply letter by XXXX XXXX states that, according to the agent, my account was reopened on XX/XX/XXXX without any prior notice or my approval. I realized on XX/XX/XXXX that the account was active again and promptly contacted Bridgecrest. The representative first attempted to argue that the account was never settled and closed but ultimately confessed that it had been closed and discharged. Revealing that someone had manually reopened the account, a non-compliant activity. I reiterated to him that this was done without my consent or knowledge. I also informed him that the car associated with this account had been sold as of XX/XX/XXXX urging him to close my account immediately with a paid in full status and to notate on the account. Which shows false statement made by XXXX XXXX. Bridgecrest 's rebuttal to the CFPB complaint also purportedly includes an assertion that I claimed bankruptcy. That is incorrect, I never made such a declaration ( Inaccurate Statement ). Given that I was unable to make contact with a customer service representative, I communicated with the Bankruptcy department and was then forwarded to a representative who informed me that my account was Manually reinstated. Bridgecrest 's representative 's response to the CFPB complaint is additionally deceptive, alleging that the account and payment history were discussed with me, which they were not ( Inaccurate Statement ). We only talked about the transactions that i confirmed I executed on XX/XX/XXXX and the unknown payment made on XX/XX/XXXX, which I was distinctly unaware of, a fact I highlighted to the representative on our phone conversation on XX/XX/XXXX. On XX/XX/XXXX, the representative from Brigcrest responded to the CFPB complaint, stating that on XX/XX/XXXX the account had been charged off due to " non-payment '' which was within nine days of the acceptance of payments made on XX/XX/XXXX. I was not informed about any decision to " write off '' or alter the status of the account ( Erroneous Claim and Retaliatory Approach ). The account was noted on XX/XX/XXXX and was active until XX/XX/XXXX, which is when the account status reverted to the previous " Closed '' status. In the complaint response made to the CFPB on XX/XX/XXXX, the Bridgecrest representative asserted that she had tried to contact me once more on XX/XX/XXXX ( Deceptive Declaration and Cease and Desist Infringement ). The Bridgecrest agent 's assertions of accuracy are not my responsibility. As the Bridgecrest agent mentioned in the response to the CFPB complaint, I have submitted several notification letters through fax and Certified Mail without receiving any reply for my requests such as ( Validation Letter Request ( 1 ) ( 2 ), Notice of Insufficient Validation Documentation, Cease and Desist, Notice of Dispute, Cease and Desist of Defamation Acts, Satisfaction of Loan and Debt Release, Invoice of Final Payment in Accord and Satisfaction, Notice of Sale of Vehicle and Title Release, Immediate Closure of Account, Notice of Unlawful Practices, Notice of Estoppel ). XXXX XXXX, the representative from Bridgecrest who manages all responses to my CFPB complaints and my account operations singularly, has also directed Defamatory Acts against me and has refused to thoroughly address my concerns or complaints. I have been denied the opportunity to speak with any other representatives or superiors at Bridgecrest about my grievances or any transgressions carried out by this company. This infringes on my right to challenge inaccuracies and unjust procedures, and I am requesting to correspond with someone else at Bridgecrest who will consider my worries impartially. I would also like for XXXX XXXX XXXX to be involved in all future discussions. Moreover, I am requesting a thorough examination of all exchanges and inquiries that are alleged to have been conducted by this Bridgecrest representative. I feel I have been unfairly treated with regard to my concerns and that my rights have been breached. ( Attachments include Invoice of Final payment, Validation Requests ( 3 ), Bank Statement, Bridgecrest Transaction Report ) which shows account was discharged ( Attachments with Red marking indicates important information including response letter of false statements made by XXXXXX/XX/XXXX ) Please note that this will also be reported to the FTC and Texas Attorney General which may include legal action I ask the CFPB to investigate all actions taken by XXXXXX/XX/XXXX and request a different agent and or supervisor of Bridgecrest to look into these actions taken against me. Also include communications to XXXX XXXX XXXX into all past and present complaints through the CFPB
10/25/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 79705	Web
False and/or Misleading Representation The response from a representative of Bridgecrest to my grievance contained misleading and false assertions. The representative alleged that I personally accessed the self-service portal and registered a new bank account and routing number. They further claimed that I used this unfamiliar payment method on XX/XX/XXXXXXXX ( This is an inaccurate and misleading assertion ) Where is the proof indicating that I input this information in that manner? The following day, on XX/XX/XXXX, I reverted to my standard method of making two distinct payments ( This fact was established due to my account status reflecting 126 days of overdue payments ). My advisor recommended maintaining my arrears under 120 days despite my account status being in dispute at the time. After completing the payments, I realized that I was no longer able to access the account, leading to a phone call on XX/XX/XXXX. During my discussion with the representative over the phone, I was informed, " The account is now fully paid off and closed. '' I asked the representative to confirm this, and they did, stating that the account was indeed " fully settled '' and that it was not merely reflecting as such. About an hour later, I reached out to Bridgecrest once more, this time via text, for further confirmation. Once again, I was assured that the account was " officially closed and marked as fully paid. '' I was also told when to expect the release of the title, with the date being no later than XX/XX/XXXX. However, The reply from Bridgecrest 's agent response to the CFPB complaint on XX/XX/XXXXXXXX seems to be based on perceptions that the account is in a certain state, rather than the actual facts that the debt was completely cleared, but this is not depicted in the mailed transaction statements provided by Bridgecrest actual documentation. These statements unambiguously demonstrate that this account was paid in full. Moreover, evidence of manual adjustments to transactions I executed on XX/XX/XXXXXXXX is apparent. Bridgecrests agents response does not recognize that this account was closed then manually reopened ; instead, they assert that the account was never officially cleared but merely appears so in the application, which is an inaccurate assertion. If this were the case, the account should not present a cleared XXXX status on the transaction statement if the company verifies the funds ' definitive clearance before closing an account with a status of paid in full. Based on the transaction record supplied by Bridgecrest, it appears the expected repayment was not reversed on XX/XX/XXXXXXXX as alleged by the Bridgecrest representative in their CFPB response letter, but actually on XX/XX/XXXX, which is a misleading representation. It was also observed that the dates of my payments, initially made on XX/XX/XXXX, were subsequently altered and recorded as posted on XX/XX/XXXX. This alteration was done without my permission or knowledge following the prior confirmation that my account was fully settled, constituting deceptive conduct. On XX/XX/XXXX, I unknowingly reached out to Bridgecrest once again inquiring whether they could electronically transfer the vehicle 's title due to its sale on the previous day, but my request was refused. The representative not only declined but also insulted me, labeling me " XXXX ''. However, they acknowledged my account was " fully paid and closed '', but indicated Bridgecrest 's intention to re-open it based on some unidentified payment issue. I promptly raised my objection, stating they had no permission from me to re-open the settled account. I warned them that such an action would constitute a breach of the law, even if the fault lay with Bridgecrest which would result in Promissory Estoppel. The call was then disconnected Bridgecrest 's representative 's response to the CFPB complaint suggested that a backend audit was underway. The audit demonstrated that the account balance was at " XXXX '' and had indeed been " Discharged '', reiterating that the business had reactivated the account without my consent or any form of communication. On XX/XX/XXXX, XXXX XXXX the same agent who addressed the CFPB complaint, reached out to me by phone. The motive for her call was to discuss previously withdrawn CFPB complaints, contrary to what was indicated in the written CFPB response on XX/XX/XXXXXXXX ( this account is false ). She tried to discuss account-related issues, but the call got cut off during her attempt, a violation of the pre-existing Cease and Desist order. I attempted to return her call to understand her concerns, but I didn't succeed as she didn't pick up ( Not as claimed by XXXX stating that I didn't respond - False Statement ). The Bridgecrest representative didn't make an effort to reconnect with me and didn't answer my call when I tried calling back ( four times ). On XX/XX/XXXX, in the CFPB reply letter by XXXX XXXX states that, according to the agent, my account was reopened on XX/XX/XXXXXXXX without any prior notice or my approval. I realized on XX/XX/XXXXXXXX that the account was active again and promptly contacted Bridgecrest. The representative first attempted to argue that the account was never settled and closed but ultimately confessed that it had been closed and XXXX. Revealing that someone had manually reopened the account, a non-compliant activity. I reiterated to him that this was done without my consent or knowledge. I also informed him that the car associated with this account had been sold as of XX/XX/XXXXXXXX urging him to close my account immediately with a paid in full status and to notate on the account. Which shows false statement made by XXXX XXXX Bridgecrest 's rebuttal to the CFPB complaint also purportedly includes an assertion that I claimed bankruptcy. That is incorrect, I never made such a declaration ( Inaccurate Statement ). Given that I was unable to make contact with a customer service representative, I communicated with the Bankruptcy department and was then forwarded to a representative who informed me that my account was Manually reinstated. Bridgecrest 's representative 's response to the CFPB complaint is additionally deceptive, alleging that the account and payment history were discussed with me, which they were not ( Inaccurate Statement ). We only talked about the transactions that i confirmed I executed on XX/XX/XXXXXXXX and the unknown payment made on XX/XX/XXXX, which I was distinctly unaware of, a fact I highlighted to the representative on our phone conversation on XX/XX/XXXX. On XX/XX/XXXX, the representative from Brigcrest responded to the CFPB complaint, stating that on XX/XX/XXXXXXXX the account had been charged off due to " non-payment '' which was within nine days of the acceptance of payments made on XX/XX/XXXX. I was not informed about any decision to " write off '' or alter the status of the account ( Erroneous Claim and Retaliatory Approach ). The account was noted on XX/XX/XXXXXXXX and was active until XX/XX/XXXX, which is when the account status reverted to the previous " Closed '' status. In the complaint response made to the CFPB on XX/XX/XXXX, the Bridgecrest representative asserted that she had tried to contact me once more on XX/XX/XXXXXXXX ( Deceptive Declaration and Cease and Desist Infringement ). The Bridgecrest agent 's assertions of accuracy are not my responsibility. As the Bridgecrest agent mentioned in the response to the CFPB complaint, I have submitted several notification letters through fax and Certified Mail without receiving any reply for my requests such as ( Validation Letter Request ( 1 ) ( 2 ), Notice of Insufficient Validation Documentation, Cease and Desist, Notice of Dispute, Cease and Desist of Defamation Acts, Satisfaction of Loan and Debt Release, Invoice of Final Payment in Accord and Satisfaction, Notice of Sale of Vehicle and Title Release, Immediate Closure of Account, Notice of Unlawful Practices, Notice of Estoppel ). XXXX XXXX, the representative from Bridgecrest who manages all responses to my CFPB complaints and my account operations singularly, has also directed Defamatory Acts against me and has refused to thoroughly address my concerns or complaints. I have been denied the opportunity to speak with any other representatives or superiors at Bridgecrest about my grievances or any transgressions carried out by this company. This infringes on my right to challenge inaccuracies and unjust procedures, and I am requesting to correspond with someone else at Bridgecrest who will consider my worries impartially. I would also like for XXXX XXXX XXXX to be involved in all future discussions. Moreover, I am requesting a thorough examination of all exchanges and inquiries that are alleged to have been conducted by this Bridgecrest representative. I feel I have been unfairly treated with regard to my concerns and that my rights have been breached. ( Attachments include Invoice of Final payment, Validation Requests ( 3 ), Bank Statement, Bridgecrest Transaction Report ) which shows account was discharged ( Attachments with Red marking indicates important information including response letter of false statements made by XXXX XXXX ) Please note that this will also be reported to the FTC and Texas Attorney General which may include legal action I ask the CFPB to investigate all actions taken by XXXX XXXX and request a different agent and or supervisor of Bridgecrest to look into these actions taken against me. Also include communications to XXXX XXXX XXXX into all past and present complaints through the CFPB
10/25/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 79705	Web
False and/or Misleading Representation The response from a representative of Bridgecrest to my grievance contained misleading and false assertions. The representative alleged that I personally accessed the self-service portal and registered a new bank account and routing number. They further claimed that I used this unfamiliar payment method on XX/XX/XXXX ( This is an inaccurate and misleading assertion ) Where is the proof indicating that I input this information in that manner? The following day, on XX/XX/XXXX, I reverted to my standard method of making two distinct payments ( This fact was established due to my account status reflecting 126 days of overdue payments ). My advisor recommended maintaining my arrears under 120 days despite my account status being in dispute at the time. After completing the payments, I realized that I was no longer able to access the account, leading to a phone call on XX/XX/XXXX. During my discussion with the representative over the phone, I was informed, " The account is now fully paid off and closed. '' I asked the representative to confirm this, and they did, stating that the account was indeed " fully settled '' and that it was not merely reflecting as such. About an hour later, I reached out to Bridgecrest once more, this time via text, for further confirmation. Once again, I was assured that the account was " officially closed and marked as fully paid. '' I was also told when to expect the release of the title, with the date being no later than XX/XX/XXXX. However, The reply from Bridgecrest 's agent response to the CFPB complaint on XX/XX/XXXX seems to be based on perceptions that the account is in a certain state, rather than the actual facts that the debt was completely cleared, but this is not depicted in the mailed transaction statements provided by Bridgecrest actual documentation. These statements unambiguously demonstrate that this account was paid in full. Moreover, evidence of manual adjustments to transactions I executed on XX/XX/XXXX is apparent. Bridgecrests agents response does not recognize that this account was closed then manually reopened ; instead, they assert that the account was never officially cleared but merely appears so in the application, which is an inaccurate assertion. If this were the case, the account should not present a cleared Zeroed status on the transaction statement if the company verifies the funds ' definitive clearance before closing an account with a status of paid in full. Based on the transaction record supplied by Bridgecrest, it appears the expected repayment was not reversed on XX/XX/XXXX as alleged by the Bridgecrest representative in their CFPB response letter, but actually on XX/XX/XXXX, which is a misleading representation. It was also observed that the dates of my payments, initially made on XX/XX/XXXX, were subsequently altered and recorded as posted on XX/XX/XXXX. This alteration was done without my permission or knowledge following the prior confirmation that my account was fully settled, constituting deceptive conduct. On XX/XX/XXXX, I unknowingly reached out to Bridgecrest once again inquiring whether they could electronically transfer the vehicle 's title due to its sale on the previous day, but my request was refused. The representative not only declined but also insulted me, labeling me " Stupid ''. However, they acknowledged my account was " fully paid and closed '', but indicated Bridgecrest 's intention to re-open it based on some unidentified payment issue. I promptly raised my objection, stating they had no permission from me to re-open the settled account. I warned them that such an action would constitute a breach of the law, even if the fault lay with Bridgecrest which would result in XXXX XXXX. The call was then disconnected Bridgecrest 's representative 's response to the CFPB complaint suggested that a backend audit was underway. The audit demonstrated that the account balance was at " XXXX '' and had indeed been " XXXX '', reiterating that the business had reactivated the account without my consent or any form of communication. On XX/XX/XXXX, XXXX XXXX the same agent who addressed the CFPB complaint, reached out to me by phone. The motive for her call was to discuss previously withdrawn CFPB complaints, contrary to what was indicated in the written CFPB response on XX/XX/XXXX ( this account is false ). She tried to discuss account-related issues, but the call got cut off during her attempt, a violation of the pre-existing Cease and Desist order. I attempted to return her call to understand her concerns, but I didn't succeed as she didn't pick up ( Not as claimed by XXXX stating that I didn't respond - False Statement ). The Bridgecrest representative didn't make an effort to reconnect with me and didn't answer my call when I tried calling back ( XXXX times ). On XX/XX/XXXX, in the CFPB reply letter by XXXX XXXX states that, according to the agent, my account was reopened on XX/XX/XXXX without any prior notice or my approval. I realized on XX/XX/XXXX that the account was active again and promptly contacted Bridgecrest. The representative first attempted to argue that the account was never settled and closed but ultimately confessed that it had been closed and XXXX. Revealing that someone had manually reopened the account, a non-compliant activity. I reiterated to him that this was done without my consent or knowledge. I also informed him that the car associated with this account had been sold as of XX/XX/XXXX urging him to close my account immediately with a paid in full status and to notate on the account. Which shows false statement made by XXXX XXXX Bridgecrest 's rebuttal to the CFPB complaint also purportedly includes an assertion that I claimed bankruptcy. That is incorrect, I never made such a declaration ( Inaccurate Statement ). Given that I was unable to make contact with a customer service representative, I communicated with the Bankruptcy department and was then forwarded to a representative who informed me that my account was Manually reinstated. Bridgecrest 's representative 's response to the CFPB complaint is additionally deceptive, alleging that the account and payment history were discussed with me, which they were not ( XXXX XXXX ). We only talked about the transactions that i confirmed I executed on XX/XX/XXXX and the unknown payment made on XX/XX/XXXX, which I was distinctly unaware of, a fact I highlighted to the representative on our phone conversation on XX/XX/XXXX. On XX/XX/XXXX, the representative from XXXX responded to the CFPB complaint, stating that on XX/XX/XXXX the account had been charged off due to " non-payment '' which was within XXXX days of the acceptance of payments made on XX/XX/XXXX. I was not informed about any decision to " write off '' or alter the status of the account ( Erroneous Claim and XXXX XXXX ). The account was noted on XX/XX/XXXX and was active until XX/XX/XXXX, which is when the account status reverted to the previous " Closed '' status. In the complaint response made to the CFPB on XX/XX/XXXX, the Bridgecrest representative asserted that she had tried to contact me once more on XX/XX/XXXX ( Deceptive Declaration and Cease and Desist Infringement ). The Bridgecrest agent 's assertions of accuracy are not my responsibility. As the Bridgecrest agent mentioned in the response to the CFPB complaint, I have submitted several notification letters through fax and Certified Mail without receiving any reply for my requests such as ( Validation Letter Request ( XXXX ) ( XXXX ), Notice of Insufficient Validation Documentation, Cease and Desist, Notice of Dispute, Cease and Desist of Defamation Acts, Satisfaction of Loan and Debt Release, Invoice of Final Payment in Accord and Satisfaction, Notice of Sale of Vehicle and Title Release, Immediate Closure of Account, Notice of Unlawful Practices, Notice of Estoppel ). XXXX XXXX, the representative from Bridgecrest who manages all responses to my CFPB complaints and my account operations singularly, has also directed Defamatory Acts against me and has refused to thoroughly address my concerns or complaints. I have been denied the opportunity to speak with any other representatives or superiors at Bridgecrest about my grievances or any transgressions carried out by this company. This infringes on my right to challenge inaccuracies and unjust procedures, and I am requesting to correspond with someone else at Bridgecrest who will consider my worries impartially. I would also like for XXXX XXXX XXXX to be involved in all future discussions. Moreover, I am requesting a thorough examination of all exchanges and inquiries that are alleged to have been conducted by this Bridgecrest representative. I feel I have been unfairly treated with regard to my concerns and that my rights have been breached. ( Attachments include Invoice of Final payment, Validation Requests ( XXXX ), Bank Statement, Bridgecrest XXXX Report ) which shows account was XXXX ( Attachments with Red marking indicates important information including response letter of false statements made by XXXX A ) Please note that this will also be reported to the FTC and Texas Attorney General which XXXX include legal action I ask the CFPB to investigate all actions taken by XXXX A and request a different agent and or supervisor of Bridgecrest to look into these actions taken against me. Also include communications to XXXX XXXX XXXX into all past and present complaints through the CFPB
10/14/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32301	Web
On XX/XX/XXXX I, XXXX XXXX, a Consumer Pursuant to 15 U.S. Code 6809 ( 9 ) entered into a Consumer Credit Transaction for the XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1679a ( 2 ) with XXXX XXXX XXXX XXXX XXXX. I agreed to purchase the vehicle on credit only through a consumer credit transaction. I am aware and have evidence that, XXXX XXXX XXXX XXXX XXXX is willfully in violation of advertising a required {$1000.00} down payment Pursuant to 15 U.S. Code 1662 ( 2 ), and for arranging 71 monthly installment payments Pursuant to 15 U.S. Code 1662 ( 1 ) in the amount of {$520.00}. I have paid BRIDGECREST ACCEPTANCE CORPORATION eleven monthly installments payments of {$520.00} for a total of {$5700.00}. Under the Truth in Lending Act, in a consumer credit transaction when a Finance Charge is included there is to be no cash involved and no installments arranged. The Finance Charge shall be the sum of all charges. There is either a Finance Charge OR installments. There shall not be both included in a Consumer Credit Transaction. I am aware and have evidence that, XXXX XXXX XXXX XXXX XXXXXXXX is willfully in violation of collecting a {$1000.00} down payment as shown in the Truth In Lending Disclosure attached as Exhibit A. Pursuant to the Truth In Lending Act Regulation Z 12 CFR 1026.4 ( a ) The Finance Charge is the sum of all charges. When a Finance Charge is included in a consumer credit transaction it does not include any charge of a type payable in a comparable cash transaction. Therefore a down payment should not have been included in the Consumer Credit Transaction. I am aware and have evidence that, XXXX XXXX XXXX XXXX XXXX is willfully in violation of failure to disclose that the premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss is included in the Finance Charge Pursuant to the Truth In Lending Act Regulation Z 12 CFR 1026.4 ( b ) ( 5 ) and Congressional Finding 15 U.S. Code 1605 ( a ) ( 5 ). I was required to obtain and show evidence of purchase of insurance on the Vehicle to complete the consumer credit transaction on XX/XX/XXXX as shown in Exhibit B attached. The Finance Charge chart in the Truth In Lending Act shown in Exhibit C clearly states that premiums for property or liability insurance are to be included in the Finance Charge unless the Consumer selects insurance company and disclosures are made. XXXXXXXX XXXX XXXX XXXX XXXX failed to make the proper disclosures. I am aware and have evidence that, XXXXXXXX XXXX XXXX XXXX failed to disclose clearly and conspicuously my right to rescind, and failed to provide rescission forms to exercise this right. This is a clear violation of the Truth In Lending Act 12 CFR Part 1026 ( Regulation Z ) 1026.23. Two copies of the Right to Rescind and the proper rescission forms should have been provided when entering into the consumer credit transaction Pursuant to Regulation Z 1026.23 ( b ) ( 1 ) of the Truth in Lending Act. The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the right to rescind and how to exercise the right to rescind, the effects of rescission, and the date the rescission period expires. I am aware and have evidence that, XXXXXXXX XXXX XXXX XXXX failed to include interest into the Finance Charge Pursuant to the Truth In Lending Act Regulation Z 12 CFR 1026.4 ( b ) ( 1 ) and 15 U.S. Code 1605 ( a ) ( 1 ). The Finance Charge Chart shown in the Federal Truth In Lending Act clearly states that interest is always included in the Finance Charge. I have paid a total of {$1000.00} in interest to BRIDGECREST ACCEPTANCE CORPORATION. I have filed a Consumer Financial Protection Bureau Complaint on XX/XX/XXXX in regard to the various willful violations by XXXXXXXX XXXX XXXX XXXXXXXX BRIDGECREST ACCEPTANCE CORPORATION of my rights protected under the Truth In Lending Act and Fair Debt Collection Practices Act. On XX/XX/XXXX a representative named XXXX working on behalf of BRIDGECREST ACCEPTANCE CORPORATION Compliance Department called me directly stating I am responsible for the Vehicle payments per the Retail Installment Contract. XXXX stated she is not a lawyer nor legal representative of BRIDGECREST ACCEPTANCE CORPORATION and therefore is unable to accurately address my concerns, however she still states in her response that I am responsible for the alleged debt. XXXX is an interloper, she was not present for the transaction and has no knowledge of the credit transaction and must also be held responsible for the fraudulent contract and deceptive practices in court if she continues to claim to be a part of the consumer credit transaction that took place at XXXX. I am aware and have evidence that, XXXXXXXX XXXX XXXX XXXX XXXX is willfully in violation of the Truth In Lending Act Regulation Z 12 CFR 1026.4 ( b ) ( 2 ) and Congressional Finding 15 U.S. Code 1605 ( a ) ( 2 ) which states the service or carrying charge is included in the Finance Charge. XXXXXXXX XXXX XXXX XXXX has a service fee of {$290.00} included in the itemization of the Amount Financed as paid to XXXX as shown in their retail installment contract. I am aware and have evidence that, BRIDGECREST ACCEPTANCE CORPORATION is willfully in violation of Regulation F 1006.6 ( c ) ( 1 ) of the Fair Debt Collection Practices Act. I have received over 10 harassing emails in communication to collect on the alleged debt after BRIDGECREST ACCEPTANCE CORPORATION received my Cease and Desist on XX/XX/XXXX. I received four emails within one week on XX/XX/XXXX through XX/XX/XXXX with profane and abusive language threatening to tarnish my reputation by reporting negatively on my credit report. I have made these payments of {$520.00} under duress and against my wishes due to BRIDGECREST ACCEPTANCE CORPORATION harassing me. I have received another email threatening to report delinquency to the credit bureaus on XX/XX/XXXX which is a violation of 15 USC 1692 c ( c ). BRIDGECREST ACCEPTANCE CORPORATION is in receipt of my written notice to cease further communication through any and all mediums unless pertaining to the validation of the alleged debt, or remedy for violations that occurred. I am aware and have evidence that, BRIDGECREST ACCEPTANCE CORPORATION is willfully in violation of 15 U.S.C. 1692d of the Fair Debt Collection Practices Act for the use of obscene and profane language that abused me significantly by alleging that I am associated with the sovereign citizen or tax protestor movement and that my claims are typical of the sovereign citizen. I have stated in every document that I am a Consumer and natural living person. The Consumer protection law is made up of a large patchwork of Federal and state laws that protect the purchasers of goods and services against deceptive, fraudulent business practices. I am not making any Sovereign Citizen claims, BRIDGECREST ACCEPTANCE CORPORATION is discriminating against me for enforcing my federally protected rights as a Consumer under the Consumer Protection Laws. I am aware and have evidence that, BRIDGECREST ACCEPTANCE CORPORATION is willfully in violation of 15 U.S.C. 1692e for implying that nonpayment of the alleged debt will result in the seizure, or sale of my personal property. I received a letter dated XX/XX/XXXX stating the intent to repossess my vehicle if I did not pay the alleged debt which is also a clear violation of 15 U.S.C. 1692f to take or threaten to repossess or disable property. I am aware and have evidence that, BRIDGECREST ACCEPTANCE CORPORATION is willfully in violation of 15 U.S.C. 1692e for distributing written communications made to look like or falsely represented to be documents authorized, issued, or approved by any court, official, or agency of the United States or any state if it would give a false impression of its source, authorization, or approval. I received a letter from BRIDGECREST ACCEPTANCE CORPORATION stating that " I should be aware that courts across the country have uniformly rejected defenses to payments of taxes and debts '' and goes on further to cite authorities of the United States. BRIDGECREST ACCEPTANCE CORPORATION can not accurately claim to know what " courts across the country '' have decided. I have filed a Demand for Arbitration on BRIDGECREST ACCEPTANCE CORPORATIONXXXXXXXX XXXX XXXX XXXX XXXX for the willful and knowing violation of my rights under the Truth in Lending Act and Fair Debt Collection Practices Act.
10/17/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 76543	Web	Servicemember
On XX/XX/XXXX BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC assigned XXXXXXXX XXXX XXXX XXXX XXXX XXXX. located in XXXX, GA, to wrongfully seize my personal property, a XXXX XXXX XXXX XXXX # XXXX at or between XXXX to XXXX. A breach of peace took place on XX/XX/XXXX ( the first attempt to illegally seize property ) at or around XXXX, where the repo agent employed by XXXX XXXX XXXX XXXX XXXX XXXXXXXX. made a public disturbance by aggressively shouting at me, loud enough to wake neighbors, attempting to stop me from driving off in my personal property, and threatening me with arrest. BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC violated my rights and privacy as a consumer by disclosing nonpublic personal information with a nonaffiliated third party, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. without my written or oral consent. BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC failed to notify me of my right as a consumer and customer to opt-out if I dont want my information shared with nonaffiliated third parties. This is a clear violation of The Gramm-Leach-Bliley Act. Under the Rule, a consumer is someone who obtains or has obtained a financial product or service from a financial institution that is to be used primarily for personal, family, or household purposes, or that persons legal representative. The Privacy Rule applies to businesses that are significantly engaged in financial activities described in section 4 ( k ) of the Bank Holding Company Act. According to the Bank Holding Company Act provision and regulations established by the Federal Reserve Board, financial activities include : - lending, exchanging, transferring, investing for others, or safeguarding money or securities. These activities cover services offered by lenders, check cashers, wire transfer services, and seller of money order. - providing financial, investment or economic advisory services. These activities cover services offered by credit counselors, financial planners, tax preparers, accountants, and investment advisors. - brokering loans - servicing loans - debt collecting - providing real estate settlement services - career counseling ( of individuals seeking employment in the financial services industry ). BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC is, in fact, a financial institution, significantly engaged in financial activities including, but not limited to, servicing loans and debt collecting. The Privacy Rule protects a consumers nonpublic personal information ( NPI ). NPI is any personally identifiable financial information that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise publicly available NPI is - any information an individual gives you to get a financial product or service ( name, address, income, Social Security number, or other information on an application ) - any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or - any information you get about an individual in connection with providing a financial product or service ( for example, information from court records or from a consumer report ). BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC knowingly failed to give a clear and conspicuous written notice describing their privacy policies and practices. BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC in fact, shared my nonpublic information with a nonaffiliated third party which includes, but is not limited to, my full name, current location while traveling out of state, social security number, date of birth, and other information that is not made publicly available. BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC never provided an initial notice by the time our customer/consumer relationship was established. BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC has failed to give - an opt-out notice explaining my rights to direct you not to share NPI with a nonaffiliated third party - a reasonable way to opt out ; and - a reasonable amount of time to opt out before you disclose my NPI BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC has failed to mention that my account was in default or in an active repossession status during any written or oral communication, on or about XX/XX/XXXX through XX/XX/XXXX. BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC took adverse action by closing my account and listing the account as a charge-off in XXXX, XXXX without first, providing adequate notice of this decision and my right to cure. BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC failed to provide the two of the three written notices after the date of repossession 1. Under Texas Finance Code 348.407, the lender must mail or deliver you a notice, to your known address within 15 days of discovering there was personal property in the vehicle. The notice must state that ( 1 ) you can claim your property within 31 days after mailing of the notice ; give the location and operating hours of the place where you can claim your property. 2. The tow truck operator must send the registered owner a notice by certified mail, return receipt, within five days of the repossession. Texas Occupations Code 2303.151. This notice has to explain the daily vehicle storage rate, the first day on which storage charges are calculated, the type and amount of any other charges to be paid when the vehicle is claimed ( such as personal property ), and the facilitys operating hours. Texas Occupations Code 2303.153. BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC provided a NOTICE OF DISPOSITION AND OUR PLAN TO SELL PROPERTY via email on XXXX XXXX dated XX/XX/XXXX, the notice fails to mention clear and conspicuously what promises I allegedly broke in our agreement. As of todays date BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC has failed to respond to my complaint that is currently open and over 30 days, As of todays date BRIDGECREST ACCEPTANCE CORPORATION has my personal property, the XXXX XXXX XXXX, VIN # XXXX stored at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. place of business at address XXXX XXXX XXXX XXXX XXXX, GA XXXX. BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC intentionally fails to settle this matter in a timely manner or act in good faith. BRIDGECREST ACCEPTANCE CORPORATION, and BRIDGECREST CREDIT COMPANY , LLC, should not have invaded my privacy by sharing nonpublic personal information, about me, with a nonaffiliated third party, XXXX XXXX XXXX XXXX XXXX XXXX to illegally seize my personal property the XXXX XXXX XXXX, VIN # XXXX, using the " XXXX XXXX '' method to break in, release the parking brake, and tow my property. BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC continues to violate my consumer rights and federal laws that protect my rights. Due to the willful negligence, abuse, use of obscene and profane language ( violation of 15 U.S. Code 1692d ( 2 ) ), and intentional noncompliance by BRIDGECREST ACCEPTANCE CORPORATION and BRIDGECREST CREDIT COMPANY , LLC I, XXXX XXXX, have experienced ongoing emotional, physical, and psychological distress including, but not limited to, XXXX XXXX, XXXX, loss of wage due to the inability to travel to and from school, or work, incurred expenses for alternative transportation, negative credit reporting, sleeplessness, loss of appetite, inability to get to and from VA appointments, and physical therapy, loss and strain of personal and family relationships and feelings of hopelessness. I certify under penalty of perjury under the laws of the United States of America that all information provided on this form is true and correct. I understand that any falsification or misrepresentation on this form, or any accompanying document, is subject to penalties that may include fines, imprisonment, or both, under the U.S. Criminal Code, including, but not limited to, under 18 U.S.C. 1001, 18 U.S.C. 1621, and 20 U.S.C. 1097
05/09/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CO 80012	Web	Servicemember
I formerly filed a complaint with Bridgecrest and they after a couple months responded. They lied in their response, called me a liar, and while I had been waiting on their response on how to proceed with the loan, within a week of their response they repossessed the car. Ill address their statements one by one. The first statement is they deny any fault with the mechanical issues of the car and claim that they are within compliance because the warranty covered {$1200.00} of the repairs when out of pocket Ive paid over {$8000.00}. I have put a lot of miles on the car but have not held Bridgecrest responsible for any issues with the car that were new that have come up from normal use. They are responsible for everything prior. I emailed them at the email they told me to in their last response and got no response from them. At purchase we inquired with the salesman if the car had any mechanical issues or any other issues. We were told no. 35 days after purchase the car was XXXX and at XXXX XXXX XXXX a XXXX for a month needing repairs. I contacted the dealership as the car was still under the warranty and they referred me to call XXXX XXXX the warranty company! Out of all the repairs that needed done they covered the XXXX for {$1200.00}. I had to cover everything else. There was an oil leak, an electrical issue, catalytic converter gasket replacement, rear shock leaks and oil filter housing leak. ( XXXX provide invoice receipts ) all these things did not suddenly occur within the 35 days I had the car. They were all pre existing prior to purchase that XXXX failed to disclose. I contacted the dealership within the 30 day warranty after the car was diagnosed at XXXX XXXX XXXX and they deliberately delayed until after the 30 days until the 35 Day and even then I still had no response and had to just have the dealership begin the repairs. During the repairs further issues were reported that the wheel bearings needed replaced ASAP and should be my next priority and they recommended to not drive the vehicle or limit the driving until its fixed since I was spending {$3800.00} out of pocket to get the car running I couldnt afford that on top of everything else. The XXXX did fail and the control arm had fallen off and thank God it Landed on the frame and didnt hit the ground because if I had been driving, that could of hurt me or someone else. That issue caused damaged to the frame which in total in two separate mechanic visits cost one for {$2400.00} and one other {$2000.00}. Bridgecrest denied responsibility and blamed the miles on the car as the issue when the only issues Ive ever brought up to them existed prior to purchase. Also Im going through the paperwork from purchase, the inspection list that normally a purchaser has to sign showing they are aware of any issues or acknowledgment of no issues, its blank, no signatures, no inspection, so I ask Bridgecrest to please find these documents and provide them to resolve my complaint on this issue if they exist. The next issue is the sales practices. In an email with the dealership we were told specifically that Bridgecrest would refinance the loan after 6 months of on time payments. Or we could refinance on our own. After 6 months of on time payments actually even longer then that, we tried. Bridgecrest informed us they do not refinance loans and no lender would refinance the loan because the loan to value of the car was to high. Bridgecrest denied accountability on this issue based if they had issues with the screenshot I provided. Because it said sent from my XXXX and XXXX was the manager. My first issue is it said sent from my XXXX because my son has originally talked to them as the car was going to be his, he forwarded me the email from his email so I could send in a screenshot, he has an XXXX so it said sent from my XXXX because the forwarded message was sent from his XXXX. Also they state the signature on the email said general manager and at the time the guy wasnt a manager. How would I know either way what his title is or isnt? If they question the authenticity of the email, and if he wasnt a manager when I bought the car then if I were to fake an email I wouldnt know him to be manager and wouldnt put manager on the email. Furthermore I reached out to XXXX to help provide authentication of the email and they provided trace IDs and the IP address from that email which Ill provide in this complaint that shows the email originated from XXXXXXXX XXXX. This issue is more XXXX fault then it is Bridgecrest but I do think using deceptive practices to get someone to sign a loan is reasons to cancel a contract. The other issue and probably the most insulting and biggest lie is miss XXXX stated I never reached out to try and negotiate lesser payments or ask for assistance. She has got to be kidding, first of all, mostly all my communication with Bridgecrest has been via text, which if need be, we can ask XXXX to verify the incoming outgoing messages. I tried over 10 times and was told they dont negotiate the loans and my account is not eligible to defer any payments, so not only did they not disclose any mechanical issues with the car, they took no accountability for it expected me to pay thousands when it should of been covered under the 30 day warranty and still make all my payments on them. They offered no relief ever or took responsibility. All they would ever say in response is I should make sure to keep my loan in good standing. I have already paid them for the car more then its worth. And on top of that almost {$9000.00} in repairs they should of covered. In the end they repossessed the car, called me a liar, and denied any responsibility. The final isssue is, Im unable to log into an online account, it takes me to a screen after log in to find my loan account, I enter the information and then it says an account already exist, so my ability to pay online has been removed, it cost money to make a payment with them over the phone and so my only other free option is using a bill pay service! There were attempts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to bring the account current. Each time payment was rejected by Bridgecrest. It states no reason other then rejected by Biller. So if they are not going to accept payments from me then they shouldnt be able to take the car. Ill provide screenshots and transaction IDs for each rejected payment. -- Furthermore records online from the XXXX XXXX XXXX show a tremendous amount of complaints with XXXX the past 3 years and the last 12 months is XXXX. Although these complaints vary in nature, it shows how many people have been left with no alternative but to involve another agency to try to assist them because they were not able to resolve the issues with this company and furthermore how many people are dissatisfied! They have a XXXX out of XXXX rating. This is not a reputable company with a positive track record for being honest and fair. And finally, I have received absolutely no notices or correspondence from Bridgecrest ever with their intents. On XX/XX/XXXX I spoke on the phone to a representative and learned the address they had on file was to an address somewhere on XXXX XXXX and Ive never been associated with an address on XXXX. Ive been at my current address 13 years and they have the right address because they took the car from there. So I have no idea where they were sending the notices!!! I have no idea how a different address was added to my account. The screenshots Im attaching are as follows! Screenshots of company rejecting payments with transaction IDs for verification. They rejected payments and then repossessed the car. Screenshots of text conversations between myself and Bridgecrest where I asked for assistance and their response since they claim I never reached out. Screenshots that show Im unable to access my account online. XXXX from XXXX showing email send on XX/XX/XXXX that they have questions about its authenticity. XXXX provided IP address and it passed verifications to prove it was the genuine IP and the domain it came from. Invoice showing an intake date of XX/XX/XXXX with the cost of repairs and vehicle registration showing vehicle was purchased XX/XX/XXXX
03/08/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 45440	Web
Numerous laws were broken under the Fair Credit Reporting Act ( FCRA ) by your company and Truth in Lending Act ( TILA ), and several other federal violations. I have suffered from advertising inaccurate, incomplete, erroneous, and misleading information that has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and home purposes. You and your inaccurate reporting have destroyed my livelihood. You have caused my son and me, severe harm due to the negligence and inaccurate advertising on my consumer report. I am thoroughly exhausted of your XXXX. Between being a single father raising a XXXX XXXX, maintaining the household through a pandemic with inflation at an all-time high, I do NOT have the time for your XXXX. You are breaking federal law. On XX/XX/XXXX, I mailed out my first correspondence to you putting you on notice of accounts being advertised on my consumer report, I specifically asked for a method of certification, and I did not consent to XXXX XXXX Compliance or Automated Dispute System or an Automated reinvestigation System. Meaning, I do NOT consent to an impartial investigation through a click of a button or other automated systems. I DEMAND, as a consumer an impartial, thorough, and accurate investigation be conducted to not only find what happened to the funds I sent Bridgecrest but why are you willfully furnishing inaccurate information on my consumer credit profile? After thirty ( 30 ) days of sending out my first correspondence, I did not hear anything from you, at all, it is my understanding not only is that a federal violation but pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( a ), it specifically states, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. On XX/XX/XXXX, I put you on notice as a data furnisher, you are incorrectly reporting information to the Credit Reporting Agencies ( CRAs ) and any affiliations along with a delinquent payment, and a remaining balance. Through my first correspondence, I attached confirmation of XXXX XXXX Money Order and checks payable and sent directly to Bridgecrest throughout multiple dates. Furthermore according to Congress, pursuant to 15 15 U.S. Code 1681s2 ( b ), A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ; ( ii ) the information is, in fact, inaccurate. Ive had a relationship with purchasing my first automobile. It was totaled, meaning total loss, and after several attempts by XXXX, Bridgecrest had my automobile insurance listed as XXXX XXXX with the primary contact from XXXX XXXX named XXXX. Furthermore, Bridgecrest incorrectly showed the vehicle, not as a total loss, but only as an impound, and thus fraudulently contacted a repossession company when I was making payments on a car that was a total loss. Furthermore, Bridgecrest fraudulently allocated the check presented to them by a representative of XXXX to the premium instead of the actual balance. Furthermore, Bridgecrest and XXXX XXXX XXXX fraudulently sold the car as salvaged, when it was completely totaled and beyond repair. There are numerous federal violations. Now, Congres explicitly states, In 15 U.S. Code 1681 ( 1 ), The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So vital in fact, more than 200 million Americans have credit files, and lenders rely on this information to decide whether to approve loans and on what terms. Consumer reporting also informs decisions about employment, insurance, housing, and even essential utilities. For consumers, inaccuracies on credit reports drive up the cost of credit and severely limit opportunities, such as starting a small business or buying a new home. Not only are you breaking federal law, but you are also undermining the efficiency of the banking system and the troubled economy. Furthermore, pursuant to 15 U.S. Code 1681b ( f ) ( e ) and 15 U.S. Code 1681b ( a ) ( 2 ), I have NEVER given my written instruction to neither ( You ) nor any of the CRAs. It is my understanding you shall not advertise what is on my consumer credit report if put on notice and made aware that the information is inaccurate by a consumer, it is your moral and legal obligation, I demand you correct all details as stated in my written correspondence. The continued report of this information is a clear violation of federal law, 15 U.S. Code Subchapter III, throughout parts. 15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. During the investigative process, if conducted at all, and following my requests ; what neighbors, friends, or associates as stipulated in 15 U.S. Code 1681a ( e ) ; who did you speak to regarding the false information youre advertising on my consumer report? I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX ), you will be liable for your willful non-compliance and damages caused to my livelihood and way of living due to your willful negligence. Ignorance of the law excuses no one. As transcribed in Leviticus 5:17 : " If a person sins and does what is forbidden in any of the LORD 's commands, even though he does not know it, he is guilty and will be held responsible. These laws have been interwoven, throughout the XXXX XXXX and the United States. See United States v. XXXX, XXXX XXXX XXXX ( XXXX ). You will be held liable for your actions. Once again, within the required thirty ( 30 ) days designated by Congress under the Fair Credit Reporting Act ( FCRA ) you failed to respond, and I hereby as a consumer, DEMAND you accurately furnish what is on my consumer credit report. Meaning, showing no delinquency and having the balance paid in full. I am a litigious consumer and I shall not hesitate to take legal action and sue, yes, you heard me correctly. I will not hesitate to pursue legal counsel. I will sue you for infringement of my right to privacy and advertising false information on my consumer report. Advertising inaccurate, incomplete, erroneous, and misleading information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and home purposes. You and your inaccurate reporting have destroyed my livelihood. You have caused my son and me, severe harm due to the negligence and inaccurate advertising on my consumer report. I am thoroughly exhausted of your XXXX. Between being a single father raising a XXXX XXXX, maintaining the household through a pandemic with inflation at an all-time high, gas prices reaching an all-time high, and being a victim where someone committed aggravated identity theft against my son and fraudulently claimed my son as a dependent for taxes, and filing police reports and FTC reports and meetings with Secretary of State and Attorney General. I do NOT have the time for your XXXX. I will not hesitate to take legal action against you for violation of federal law 15 U.S. Code 1611, 15 U.S. Code 1681n, 15 U.S. Code 1681o among personal damages to my character.
02/09/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	IL 60411	Web
*THIS IS NOT A DUPLICATE COMPLAINT. * I AM THE CONSUMER AND I KNOW MY RIGHTS 12 USC 5511 ( c ) ( 2 ). The Consumer Financial Protection Bureau is to protect me from unfair deceptive or abusive practices from discrimination, 12 USC 5511 ( b ) And enforce actions of violations of Federal Consumer Financial Law. **** I AM THE CONSUMER, GUARDIAN, ADMINISTRATOR AND EXECUTOR PURSUANT TO 15 USC 1692c ( d ). BRIDGECREST ACCEPTANCE CORPORATION AND BRIDGECREST XXXX XXXX VIOLATED REGULATION P THE XXXXRAMM LEACH BLILEY ACT. Seeing that Bridgecrest Acceptance Corporation and its subsidiaries are minors, it is a piece of paper and can not speak, I am pleased to see XXXX XXXX Agency Specialist is taking the initiative to speak on behalf of Bridgecrest Acceptance Corporation and Bridgecrest XXXX XXXX to defend its unlawful noncompliance issues toward their Code of Federal Regulations and all other various fraudulent acts. I will now address XXXX XXXX Agency Specialist directly. XXXX XXXX advised that her company is accurately reporting a tradeline to credit reporting agencies. I am uncertain if XXXX XXXX read my consumer complaint or if she is deliberately ignoring the vital terms I used in my consumer complaint. I never used the terms tradeline, reporting or credit reporting agencies in my opt out notice. Those terms are not defined in the Gramm Leach Bliley act so I am unsure as to why XXXX XXXX is using distracting terms. The terms I used and that are defined and can be found in the Gramm Leach Bliley Act, Regulation P, are Nonpublic personal information, Personally Identifiable Financial Information, Nonaffiliated Third Parties, Consumer Reporting Agencies, Disclose, Opt out. It seems as if XXXX XXXX is trying to purposely avoid those words because her company, who she represents, is in noncompliance or she is unaware of the GRAMM LEACH BLILEY Act which is a PUBLIC LAW. Pursuant to 12 CFR 1016.7 ( h ) Opting out is my RIGHT. Pursuant to 12 CFR 1016.7 ( h ) I, the consumer, can opt out at ANY TIME of my nonpublic personal information from being disclosed to any nonaffiliated third party. Pursuant to 12 CFR 1016.7 ( i ) ( 1 ) my opt out direction is EFFECTIVE until I, the consumer, revokes it. XXXX XXXX can not counter my opt out direction, it is already in EFFECT. I stated in my complaint, that the consumer reporting agencies are nonaffiliated third parties of Bridgecrest Acceptance Corporation and Bridgecrest XXXX XXXX. Pursuant to 15 United States Code 6809 Nonaffiliated Third Party means ANY ENTITY ( that includes consumer reporting agencies, nonaffiliated third party debt collector, etc ) that is not an affiliate of, or related by common ownership or affiliated by corporate control with Bridgecrest Acceptance Corporation and Bridgecrest XXXX XXXX. Pursuant to 12 CFR 1016.3 ( o ) ( 1 ) The definition of a Nonaffiliated Third Party means ANY person except your affiliate. However, if XXXX XXXX and the officials of Bridgecrest Acceptance Corporation and Bridgecrest XXXX XXXX is declaring that the consumer reporting agencies are indeed its affiliates, I am demanding proof that aligns with the definition of an Affiliate pursuant to 12 CFR 1016.3 ( a ) ( 1 ) and the definition of Control pursuant to 12 CFR 1016.3 ( g ) : 1. Bridgecrest Acceptance Corporation and its subsidiaries controls the consumer reporting agencies, 2. Bridgecrest Acceptance Corporation and its subsidiaries are controlled by the consumer reporting agencies and/or, 3. Bridgecrest Acceptance Corporation and its subsidiaries and the consumer reporting agencies are under the same common control of another company. Please send proof of your lawful affiliation for each consumer reporting agency as well as a notarized affidavit signed by your Chief Financial Officer to my location information as well as attach it to this Official Federal Complaint no later than 3 business days. If XXXX XXXX, Bridgecrest Acceptance Corporation, Bridgecrest XXXX XXXX can not provide proof that all consumer reporting agencies are indeed its affiliates, the CFPB, the FTC, and I the executor, will be obliged to believe that the consumer reporting agencies are nonaffiliate third parties to Bridgecrest Acceptance Corporation and Bridgecrest XXXX XXXX. And by Bridgecrest Acceptance Corporation continuing to disclose my nonpublic personal information and personally identifiable financial information to these nonaffiliated third party consumer reporting agencies, after I have revoked my consent, they are in direct noncompliance of Regulation P ; which will result in a {$100000.00} fine per violation and 5 years in prison for any person who has now taken responsibility for violating this Federal Act that Congress put in place. Noncompliance violations of Regulation P listed below but not limited to : 1. 12 CFR 1016.4 ( a ) I, the consumer, was never provided a clear and conspicuous privacy notice that accurately reflects Bridgecrest Acceptance Corporation privacy policies and practices. 2. 12 CFR 1016.5 ( a ) I was never provided a clear and conspicuous ANNUAL privacy notice that accurately reflects Bridgecrest Acceptance Corporation privacy policies and practices 3. 12 CFR 1016.6 ( a ) ( 1 ) - ( 9 ) In not being provided with a clear and conspicuous privacy notice Bridgecrest Acceptance Corporation is in noncompliance of 12 CFR 1016.6 ( a ) ( 1 ) - ( 9 ) 4. 12 CFR 1016.7 I was never provided an opt out notice or opt out methods from Bridgecrest Acceptance Corporation to enable me to opt out of them reporting my nonpublic personal information 5. 12 CFR 1016.7 ( g ) enforces that Bridgecrest Acceptance Corporation MUST comply with my opt out direction as soon as reasonably practicable after Bridgecrest Acceptance Corporation and Bridgecrest XXXX XXXX receives it. XXXX XXXX stated she will continue to disclose my nonpublic financial information to the nonaffiliated third party consumer reporting agencies after receiving my opt out directions. XXXX. 12 CFR 1016.9 ( a ) I never received any privacy notices and opt out notices from Bridgecrest Acceptance Corporation and Bridgecrest XXXX XXXX Pursuant to 12 CFR 1016.15 ( a ) ( 1 ) MY CONSENT AND DIRECTION IS OFFICIALLY REVOKED. Furthermore, XXXX XXXX has declared Bridgecrest Acceptance Corporation and its subsidiaries has charged off this alleged debt on XX/XX/2021. Pursuant to IRS federal laws I havent received any of the appropriate tax documents. I am demanding the 1099a, 1099c and/or the 1099OID along with any other tax document, to legally file this alleged debt that has now become my income pursuant to IRS tax code. If I do not receive the proper tax documents, I will report Bridgecrest Acceptance Corporation to the Internal Revenue Service for tax fraud. I am the consumer, guardian, executor and administrator of this account, when I give my direction to opt out of my personally identifiable financial information from being disclosed the opt out officially takes effect, is in force, goes into operation and consent is revoked. You can not lawfully tell me you will continue to disclosed my personally identifiable financial information to nonaffiliated third parties, only if of course, you want to be fined, imprisoned and sued for personal damages caused to me. 12 CFR 1016.15 ( a ) ( 1 ) CONSENT AND DIRECTION IS OFFICIALLY REVOKED. XXXX : XXXX Without recourse, Without prejudice, All natural inalienable rights are reserved ATTENTION : CONSUMER FINANCIAL PROTECTION BUREAU ATTENTION : OFFICE OF THE COMPTROLLER OF CURRENCY ATTENTION : FEDERAL TRADE COMMISSION ( BUREAU OF CONSUMER PROTECTION ) ATTENTION : BOARD OF GOVERNORS OF THE FEDERAL RESERVE ATTENTION : ILLINOIS ATTORNEY GENERAL ATTENTION : ARIZONA ATTORNEY GENERAL ATTENTION : FEDERAL BUREAU OF INVESTIGATION ATTENTION : FINANCIAL FRAUD ENFORCEMENT TASK FORCE
01/17/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75056	Web
This is regarding a XXXX XXXX XXXX that was purchased through XXXX and financed through their in house financing Bridgecrest ( based out of XXXX ) XXXX XXXX I asked company for payment plan or deferment as I was behind in payments and having financial hardship and assistance would have allowed me to catch up the loan in just a couple months time. I explained the situation and the agent agreed that I was indeed having a hardship and they could do a deferment plan. Company then refused to work on payment plan or deferment unless I paid past due in full first. I explained that defeated the purpose, I wouldnt be asking for assistance if I could pay in full. They refused to work with me. They told me to call back when I could make the full payment. XXXX XXXX XXXX XXXX was repossessed XXXX XXXX XXXX {$1700.00} ( had to get a loan from a family member ) in two payments to have car released from repo ( {$1300.00} + {$400.00} ) - Agent originally pulled up wrong account and almost had me pay on account for someone named XXXX - Agent made mistake and processed the total amount incorrectly and for {$400.00} less than what he told me they were charging. Agent then ran second transaction for the difference and charged me a SECOND processing fee despite the error being on his part. - Had to pay {$50.00} XXXXXXXX to repo yard nearly an hour away to pickup my car. XXXX XXXX Car illegally repoed - I went outside the morning of the XX/XX/XXXX and my car was gone. - I lost a job because this caused me to miss an important interview that morning - Bridgecrest would not immediately return stolen vehicle. Quoted XXXX for them to review my case- I contacted the police but they said it was a civil matter and they couldnt do anything at the time. - Had to call Bridgecrest repeatedly throughout the day and was told they would call when done with their review. I was extremely distraught and stressed how they were impacting my income and they had no legal grounds to touch the car after it had been released just days earlier. They didnt care. - I called the following morning and they said they had approved the car for release the day prior. This is not what I was told the day prior and nobody had contacted me XXXX XXXX XXXX car out of second repo. XXXX Bridgecrest did not make arrangements for car to be brought back in timely manner, quoted XXXX XXXX XXXX to return car. This is on a Friday before a holiday weekend. I would have lost a weeks pay if I waited - They would not provide address for where the car was. Only a phone number and the agency holding the car would schedule an appt for the following Monday at the earliest. I had to XXXX to find their address and show up unannounced to retrieve my car. XXXX Bridgecrest did not initially notate the car as wrongfully repossessed so I had to call them again so they would inform the repo company this was a wrongful repossession and the car needed to be released immediately. - Bridgecrest refused to compensate for cost of trip to retrieve vehicle - Bridgecrest refused to compensate for lost wages due to their actions - When I got to repo yard ( XXXX XXXX XXXX XXXX XXXX XXXX ) they had sent wrong release forms to the company. The forms were for the original repossession and had the wrong date and company name on forms. I called and they quoted 24hrs to fix the forms, I said absolutely not and had to argue with them to get them to repair their mistake so I could have my car released to me. The payment record according to Bridgecrest showed that I paid them XX/XX/XXXX, then the payments were returned. This is untrue and fraudulently being reported. I paid the amount they gave me to cover past due balance, current balance, and repo fees. That was the {$1700.00}. My bank has provided me with signed documents showing I made both payments on the XXXX of XXXX and the payments posted on XX/XX/XXXX. They were never returned as the Bridgecrest and XXXX ledgers suggest. According to Bridgecrest records the payments were reversed on XX/XX/XXXX ( but according to XXXX record they were reversed XXXX. ) As of today XX/XX/XXXX my balance is showing - {$1700.00} and nearly 90 days late. Bridgecrest is claiming their accounting team is just processing the payment and this is completely normal. They have created a fraudulent record of my payments to them. They have received money that the record is claiming they do not have. Interest is accruing DAILY on the account on an amount higher than what it should be because they have not applied my payments. I believe this is both fraud and theft on their part. I have never received any kind of statement or monthly billing documents from this company. There is no breakdown on what is owed, running balance, where my money is going, or the terms of the loan. I dont even know how long the loan period is for or what the interest rate is. The original financing amount can not be looked up, nor the amount of interest charged YTD or last year. I know the car originally financed for just over {$19000.00}. As of today ( one full year of XXXX XXXX monthly payments ) the account says my principal balance is {$18000.00}. The car was not worth what they charged in the first place. When I purchased the car last year ( XX/XX/XXXX ) They charged about {$17000.00} before any fees for a used XXXX XXXX XXXX that had XXXX miles on it. When they delivered the car it did not even have functioning brakes or the correct wheel well liners. I had to fight the company to have them pay for new brakes and rotors. The car was delivered dirty ( sent pics into the company ) and had many small damages that were not reported in the listing. I believe they used covid as an excuse to price gouge on these vehicles as there were no other options available. Because the car was sold for significantly higher than its value I can not refinance the loan with another company. It is severely underwater. This company is very dishonest in their practices. They price gouged on the original purchase, they do not provided proper documentation or statements or any financial information about the loan, they refused to offer assistance to avoid repossession in the first place despite financial hardship. They have falsified my payment records and continue to charge interest on a higher principal by not applying my payments. I have the bank records to confirm they received payment on XX/XX/XXXX ( posted the XX/XX/XXXX. ) They have caused serious financial losses to me in lost wages and a lost job plus significant emotional trauma. All of which they refuse to compensate me for or take any responsibility for. The majority of the agents I have spoken to during this time have been completely indifferent to my situation and their companies role. They have claimed that my car will not be repossessed again despite them not correcting my payment records but I believe this to be a lie as well. This morning XX/XX/XXXX there was a tow truck lurking around my apartment and driving in circles looking for something. I am completely terrified my car ( and income ) will be stolen again and am afraid to go home. I can not even park at my own home for fear of losing my car at this point. I believe what this company is doing is extremely abusive and illegal. I would like to see compensation for the damages their fraud and negligence has caused me and I would like them to be held criminally liable and prevented from being able to abuse any consumers like this in the future.
12/24/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30122	Web
I entered into a consumer credit transaction with Bridgecrest credit company in XXXX of 2021. I went to XXXX XXXX to purchase a XXXX XXXX XXXX. I was happy with my purchase until I realized that there were some violations against me in the contract. I wrote Bridgecrest credit company and XXXX informing them of these issues. I exercised my right to rescind this consumer credit transaction that I entered into with Bridgecrest credit company according to 12 CFR 1026.23 ( a ) ( 1 ). I took the time to write up the notice of rescission and mailed it to them as the regulation required me to do according to 12 CFR 1026.23 ( a ) ( 2 ). The notice of rescission was delivered to Bridgecrest credit company and the seller XXXX on XX/XX/2021. I also spoke with several representatives at Bridgecrest credit company they refused to give me their ID numbers so I can correctly identify them but I informed them of my intent to rescind the consumer credit transaction and I also notified them that the notice was sent and delivered to them via mail. On XX/XX/2021, a third party debt collector named XXXX XXXX XXXX tried to illegally repossessed my vehicle on behalf of Bridgecrest credit company. I was at home when this happened, I informed the debt collector that I had excised my right to rescind this consumer credit transaction and that this would be an illegal repo he was unable to steal my property that day. I was harassed at my place of abode by stranger trying to collect a debt on behalf of bridgecrest credit company a XXXX the day he showed up to my home I can not remember the exact date but it was in XXXX of 2021. Bridgecrest credit company has also taken adverse action against me by reporting negative information to my consumer report tarnishing my general reputation. The negative reporting of information to my consumer report has made it hard for me to obtain new credit, it has damaged my overall credit capacity and credit worthiness. It has put a strain on my work and family relationship and made it hard for me operate in commerce. I did nothing wrong and have been treated so unfairly Bridgecrest credit company and XXXX XXXX XXXX conspired to deprived of my rights. I'm not sure what I have done wrong in this situation. I have only tried to exercise my rights as a consumer. According to 12 CFR 1026.23 ( a ) ( 3 ) ( i ) If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, I entered into this consumer credit transaction in XXXX of 2021 and I excised my right to rescind the transaction within the 3 years that is given to me since Bridgecrest credit company has failed to delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures. According to 12 CFR 1026.23 ( b ), " a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling. ( ii ) The consumer 's right to rescind the transaction. ( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. ( iv ) The effects of rescission, as described in paragraph ( d ) of this section. ( v ) The date the rescission period expires. I was never delivered any notices of my right to rescission or forms to exercise this right by Bridgecrest credit company they willfully and knowingly with forethought withheld this information from me. Bridgecrest credit company also failed to provide me with the designated address to send my notice of rescission to so according to 12 cfr 1026.23 ( a ) ( 2 ) sending the notification of rescission, delivering notification to the person or address to which the consumer has been directed to send, payments constitutes delivery to the creditor. According to 12 cfr 1026.23 ( d ) ( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge. Bridecrest Credit Company has failed to void the security interest created under this contract but I know that excising my right to rescind does not make me liable for any security interest charges created. 12 cfr 1026.23 ( d ) ( 1 ) mentions that 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. Bridgecrest credit company has refused to terminate the security interest created under this contract. 12 cfr 1026.23 ( d ) ( 3 ) If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tender of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation. I have only stated the CFR 'S I see here on the CFPB website. I have done everything required for me to do to rescind this consumer credit transaction the correct way but my car was still almost illegally repo 'd. I have submitted several CFPB complains and have been fighting with Bridgecrest credit company ever since. they still send me letters in the mail requiring me to pay them for an alleged debt but there should be no contract seeing that I exercised my right to rescind it. They still call me asking me to make payments after they have refused to abide by cfr regulations and rescind this contract This entire process is very frustrating and has cause me much mental stress and anguish. I am deeply troubled that a financial institution would commit these acts and work with the help of other 3rd party collectors to oppress me. it has now been over 20 days since my notice of rescission was delivered to bridgecrest credit company. they wrote me back informing me that they would not honor my notice of rescission and they also have defamed my character by taking adverse action against me and reporting negative information to my consumer report. I am just a consumer trying to exercise my rights. Bridgecrest credit company and XXXX XXXX XXXX recovery worked together to conspire against and Bridgecrest credit company deprived me of my rights. I have been violated multiple times. Bridgecrest credit company is in violation of 12 cfr 1026.23 ( a ), 18 usc 242, 15 usc 1692j ,18 usc 241, 15 usc 6802 I have proof to show this. I am writing this complaint today so hopefully someone can investigate this matter before I have to escalate it to federal matter
08/30/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	VA 23666	Web	Servicemember
Good Day! On XX/XX/XXXX I purchased a car from XXXX XXXX and was approved by Bridgecrest for an auto loan. I selected the XXXX XXXX because it was good on gas. My mother and I test drove the XXXX and we immediately noticed, the brake lights were not working properly, the passenger window was not working property as well. The sales agent provided us a checklist of items to check off that were not working or working on the car. After we test drove the car, we brought the car back and the vehicle delivery checklist to with items that needed fixing. XXXX advised us that in order to purchase the car, there could be no " X 's on the checklist. I was then given another checklist to fill out. I had no idea why this was standard process to purchase the car. I financed the car with Bridgecrest at a high interest rate, the interest rate is well over the price of the car which is XXXX with 29.90 % interest rate totaling XXXX, but I needed a reliable, safe, and efficient car. Less than a week after driving the car off the lot, the engine light came on, an XXXX light, and there was a lot of rattling noise in the engine intermittently when I drove the car. There was noise when I pressed the brake while driving & the passenger window still did not work properly. I believe around XX/XX/XXXX, or XX/XX/XXXX I bought the car back to XXXX XXXX and saw the sales person there and I let him know there was something wrong with the car and explained the issues - power window isnt working on the passenger side as stated when I first bought the car, the engine light is on, there is rattling noise in the engine that is intermittent. I explained there is something seriously wrong with the car. There was a lady there I believe her name was XXXX and she immediately jumped in and was rude. I never met her before, but I do believe she was the manager. I felt very uncomfortable, and it was definitely not the customer experience I had when I bought the car, the customer service definitely changed. I asked both of them what my options were. The sales managers stated you can have it fixed since you are within the 30-day warranty period. She then stated I could get another vehicle, but I would have to put another down payment for another car, ( which I know is not legal ) I expressed why would I take that option for something else to be wrong with another car and pay more money out of pocket? Since I was within the 30 days warranty period, I opted to have it repaired. I asked for the instructions again from XXXX how to file a claim with the warranty company XXXX, since they didnt let me take the pamphlet of the instructions home. I sent a text to XXXX, and it provided a few auto repair shops that they partnered with. A few days later, in XXXX maybe around the XXXX or XXXX I contacted XXXX XXXX and we set up an appointment to bring it in. I chose them because of their reviews, I wanted someone to be able to repair the problems so I can go on with my car. When I dropped the car off, I explained to them the car has rattling noise in the engine intermittently when driving, the EPC and Engine lights come on intermittently, the right passenger window isnt working properly, the brakes made noises when I pressed on them. The lady at the front desk took my keys and will let me know when it was ready to be picked up. She let me know engine lights come on for various reasons and there would be nothing they can do if they cant replicate the issue. A few days later I picked the car up, the window was fixed, I didnt hear any noise on the breaks. I asked about the engine noise, and they explained they didnt hear anything, and they cant fix anything that is intermittent if they dont hear or see a problem. Fast forward, I went back and forth with XXXX XXXX and XXXX and even took the car in a second time and this time it had to be towed because the car stopped working and was shaking and was not safe to drive. This went on for months. Since the XXXX XXXX did not fix the repairs I was left on my own dealing with this car. I did not trust XXXX XXXX or XXXX to or any other auto repair shop to fix it, because I just kept getting different answers and plus I would have kept paying out of pocket just for the car to get seen, if the shop wasn't repairing it I was not going to risk paying for anything else with this car. On XX/XX/XXXX I called Bridgecrest to ask what my options are with the vehicle, because paying for this car each month as it is not working and never have worked correctly since I bought, I wanted to know my options. They explained to me I could surrender the car but that would be on my credit for 7 or so years. I was willing to do that, because at the time of the call I was once again on the side of the road and the car wasn't working. I use the vehicle to go to work, this has inconvenienced my work tremendously and my pay because I use my car to go to work and I can not keep missing days because my car isnt working properly. Bridgecrest advised me to contact XXXX XXXX before making a permanent decision to surrender the car. I contacted XXXX XXXX, I also made complaint to the dealer board XXXX advised me to get the car to another repair shop not the one I used before at my own expense again. I had the car towed in. The shop determined the car needed another engine. I was not surprised since I've had issues with it since I bought the car. As of this day I have not had my vehicle. I spoke to a lady from XXXX XXXX complaint department a few weeks ago and explained my situation, again after the letter to the dealer board. I was not given a rental car, they only do reimbursement, so I opt out because again this is more money out of my pocket for a car a purchased that I made aware something was wrong with it and took it to the repair shops within the allotted time during warranty. I made a XXXX complaint with XXXX and XXXX XXXX is resolving the issue with the car. Today XX/XX/XXXX I received a phone call from Bridgecrest telling me that my car was scheduled for repossession, not one person advised me or called me prior to this date. I have not spoken to anyone or received any letter or anything in an email or my physical address warning me of any repossession. The representative on the phone today XXXX asked me did I speak to someone on XX/XX/XXXX I said no, no one called me. I have been calling XXXX to deal with my complaint made to XXXX XXXX from the Dealer Board for a few days now and left vm and no one has returned my call. The last time I spoke to XXXX was about 2 weeks ago. Prior to that, I have not received any communication on a repossession. Someone should have warned me so I could have the opportunity to fix it. Today XXXX explained to me, that they would take half a payment and stop repossession. I asked if they can wait until the XXXX, she says no. I said I would see what I can do, I asked what time zone they are in she advised they are in XXXX and I asked when did they open and close. Today she told me XXXX and have a few hours left. According to XXXX regardless my car is still out to be picked up while an engine is being put in it??? I am aware of the past due amount, but someone should have said something to me prior to today which is 45 days now since I haven't been in the car, which totals {$1000.00} just within the 45 days my car has been down and is still down and needs a new engine. It has only been 8 months since I had this vehicle.
10/27/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33647	Web	Servicemember
My family and I were impacted by Hurricane Irma in the month of XX/XX/XXXX which brought on unexpected and undue stress. Until Tuesday, I 'd never been so humiliated by a company in all of my life. I called the company the day before ( XX/XX/XXXX ) my payment was due to find out if there was anyway to defer the existing payment because I was struggling to make ends meet after having to unexpectedly be away from home for 8 days. When I contacted the company, I was advised by the rep that there was a program in place that could defer the payment until my next due date. I was then asked by the rep if I would be able to make the payment by my next due date and I advised him at that time that I would need until XX/XX/XXXX because that 's when my husband receives his XXXX from the government and he would need to make the payment for me because I 'm not currently working. The rep said ok and he 'd submit the documentation for the deferment. I continued to receive calls daily ... sometimes twice per day from XX/XX/XXXX almost through the end of the month. One of the representatives told me that the deferment had been submitted and approved and I should n't be receiving any additional calls. That was before the end of the month. I ca n't recall the exact date. On XX/XX/XXXX at XXXX, I received an email from a rep by the name of XXXX stating that " we '' tried to get my account resolved. First of all, I do n't recall ever speaking with her and could n't understand why I was receiving an email about my account instead of a call ... since there was a so called " issue '' with a previous arrangement. I immediately responded to the rep by calling the telephone number she provided in the email. Once XXXX answered, I was rudely advised at that time that my account was 31 days past due and the deferment that was promised was declined on XX/XX/XXXX with NO notifications, NO correspondence via mail, NO emails, and NO phone calls. When I asked why my account was showing past due for 31 days, I was told the company was hit with so many request for hurricane deferments that they ran out of money and many of the deferments had to be declined. Lacking empathy for the fact that my family had to be uprooted for over a week, I was then given the option to make two payments to bring the account current. I was completely taken back by everything that was going on and baffled at the fact that the promise this same company made to ensure my account would be secured. I reminded XXXX of my conversation with the initial rep from XX/XX/XXXX ... stating that my husband has been making my payments for the past 4-5 months on the first of every month and funds would n't be available until XX/XX/XXXX for my regular payment. I also told her that I was due to start a new position within the next couple of weeks and I would work towards bringing the account current ... even though it 's their fault why it 's past due for 2 payments. XXXX then offered me the option to postdate a payment for the XX/XX/XXXX for a regular payment and she would at that point submit a request for a deferment based on me making a payment on that date. She advised me to call my bank to find out if the payment would withdraw by the XX/XX/XXXX to ensure I do n't incur any overdraft fees. I told her that I was n't comfortable with that and it was unlawful and poor business practices to tell me to use funds that are clearly unavailable. She then began to ask, how was I able to make payments before the XX/XX/XXXX in prior months. I explained to her, if my husbands deposit is made early ... I make the payments early to ensure my commitment to them is fulfilled. I did n't realized me being responsible would be detrimental. I offered to postdate a payment for XX/XX/XXXX for a regular payment and XXXX declined. She told me to make the payment on XX/XX/XXXX on their website and she would continue to look for ways to assist me with my account. She also said hopefully additional hurricane assistance would be available at that time. That call lasted for 1hr. I continued to receive calls from that day until now. Today I received a call from XXXX at XXXX. She acted as if she did n't remember anything we previously discussed or if none of the information I requested to have documented in its entirety was before her. She proceeded to ask for a payment equivalent to 2 monthly payments. I declined ... reminded her that my husband gets paid on the XX/XX/XXXX and I 'd be willing to make a single payment at time and that their inability to process my deferment was due to their negligence. She continued to ask for the payment ( s ) and I continued to state what should 've already been documented based on our previous 1hr conversation. I could n't take anymore and requested to speak with a manager because I needed to get this issue resolve and was hoping to speak with someone willing to fix their error. I get a manager named XXXX. XXXX had to be the epitome of rude, belligerent, and obnoxious. He began by asking me when I could make a payment. Since he failed to read the notes and/or review my account ... I decided to educate him on what was going on with my account and why even receiving the call. XXXX NEVER acknowledged that the company " dropped the ball ''. XXXX NEVER apologized for the added frustration this company was causing. XXXX chose to mock me, be extremely rude, vindictive and dismissive of the fact that my credit and credibility is being ruined because his company did n't fulfill their promise. He continued to place the responsibility of making the payments on me. He continued to give me ultimatums ... '' If you do n't let me talk. I wo n't process your deferment. '' " If you do n't postdate the payment by XX/XX/XXXX, we wo n't submit the request for the deferment today and we ca n't help you. '' Appalled by all that was being said, I decided to ask for clarity on why the deferment was ever declined. He started by saying that it was n't because the company ran out of money and literally ended by saying the following " Due to the size of our market and based on the timeframe of your request ( XX/XX/XXXX ) we were unable to process the request before the end of the month. When the hurricanes occurred in Florida and Texas we had a variety of requests and deferments. Since the request was n't completed by the end of the month, it was declined by the XX/XX/XXXX. '' Without notice ( no calls or written correspondence regarding the hurricane deferment )!! So basically, because someone was unable to process my request by month end ... they decided to decline. NOT because a payment was n't made. NOT because I needed to submit paperwork and did n't, but because THEY did n't get to in time. I asked XXXX to fix my account and he continued to ask for PAYMENTS ( XX/XX/XXXX ... that should 've been deferred and XX/XX/XXXX that I 've said on numerous occasions would be paid by XX/XX/XXXX ). When XXXX looked at my payment history he said ( mocking ) " Well you made payments by the due date XX/XX/XXXX through XX/XX/XXXX ... then on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of the following months, so why ca n't you do it now? '' I reiterated that if my husband gets paid from the government for his military XXXX early I pay it early. Realizing I was getting nowhere fast and my XXXX XXXX numbers were ... I decided to reach out this way.
03/01/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 43213	Web	Servicemember
I am XXXX XXXX and Im submitting this complaint myself and and there is no third party involved. I sent XXXX an Affidavit of Truth, Bill of Particulars and Cease and Desist that was sent and delivered around XXXX XXXX according to USPS. Bridgecrest did not review my concerns or attempt to provide the information that I requested. Bridgecrest sent me my documents back as if they did not care about my concerns of my consumer rights being violated. Bridgecrest has violated my cease and desist. Bridgecrest has committed numerous violations of my consumer rights including but not limited to 15 USC 1692b ( 2 ), 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), 15 USC 1692f and many more which has been outlined in an Affidavit of Truth that was sent to them and delivered with a signed return receipt as proof of delivery. XXXX XXXX XXXX, XXXX committed numerous crimes against me including but not limited to 18 USC 1341, 18 USC 3718, 18 USC 1028A and more which has been outlined in an Affidavit of Truth that was sent to them and delivered with a signed return receipt as proof of delivery. Bridgecrest has yet to provide a sufficient response and presented me with insufficient information/documents to prove the alleged debt belongs to me and report false and fraudulent information in an attempt to compromise my financial reputation, cause emotional distress, defamation of character and other unseen injuries. Bridgecrest recently stole my vehicle as an attempt coerce me into paying an alleged debt that does belong to me nor do I owe. I demanded that Bridgecrest send me the following information to prove that the alleged debt was mine : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged account #, ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was the debt assigned to a debt collector, ( 9 ) Amount paid of debt purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA Section 623 ( 7 ) ( A ). Bridgecrest responded with a fraudulent contract that they alleged I signed but it did not have my wet ink signature on it. Presenting me with this fraudulent contract has been construed as them attempting to not only hide evidence but commit fraud against me in an attempt to pay an alleged debt they can not prove is mine. Bridgecrest presented me with a fraudulent contract as their proof of the alleged debt, that did not fully disclose all accurate and truthful information in the loan contract. Bridgecrest gave a response that was not sufficient as they did not provide all the information requested above. They are unable to produce an original contract with my wet ink signature because they do not have one and can not prove that I initiated this consumer credit transaction. Bridgecrest defaulted on the Affidavit of Truth. Pursuant to 15 USC 78m ( q ) ( 1 ) ( c ) a payment means that is made to further the commercial development of oil, natural gas, or minerals. Bridgecrest ttempts to collect payment are a violation of federal law, and the contract stating payments on the loan is deceptive as well as null and void. Bridgecrest has continued to violate 15 USC 1681 ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 10 ) and 15 USC 1692f by claiming I owe an alleged debt and by falsely and fraudulently reporting information they know is not true to consumer reporting agencies in an attempt to use unfair and deceptive means to make me pay an alleged debt I do not owe and they can not prove I owe and by doing so without my written permission to do so. I demanded in writing that Bridgecrest stop reporting this false, fraudulent information and alleged debt to consumer reporting agencies and furnishing my report with this false, frivolous and fraudulent information. Bridgecrest continues to report to consumer reporting agencies, without my consent, that I owe an alleged debt however that alleged debt is being reported in a positive balance. It is impossible to pay/owe on a positive balance, if it was an actual debt and is owed it should be shown in the negative. The promissory note that I signed to get the loan is actually a credit instrument that was used in order to grant bookkeeping entry into the loan account which is equivalent to money. The alleged debt was already paid for with the signing, delivery, acceptance, and deposit of the promissory note. The moment I signed its blank indorsement and Bridgecrest took and made it a special indorsement according to UCC 3-205. Pay to the order of and its then negotiated for face value or close to it. This alleged debt is not an actual debt. The United States government created a bond ( which is my birth certificate ) with which negotiable instruments may be issued. My bond and social security number provided the security interest for the consumer credit transaction. Security which covers all obligations or alleged obligations which is that of the United States government pursuant to 18 USC 8. The United States has also issued full faith and credit on my bond as evident by article number 21032256-2. I attempted to use a negotiable instrument as payment as an attempt to decrease the national debt, which is my lawful right. that was sent to Bridgecrest. Bridgecrest is refusing to accept my negotiable instrument as form of payment and apply it to the account which is my consumer right and is backed by federal law that overrides their companys policy. My account is associated with an open ended consumer credit plan and Bridgecrest has failed to balance out my account every month to rectify their bank error caused by their mismanagement of payment. Bridgecrest has yet to produce an Insurance audit trail, a money audit trail in accordance with GAAP, or full disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 which I demanded. Pursuant to 31 USC 3718 Bridgecrest has to have a contract with the Treasury in order to even collect an alleged debt which Bridgecrest does not have. I also informed Bridgecrest that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce. As a result of these documents being sent ( Affidavit of Truth, Bill of Particulars and Ceased and Desist ) to restore my financial reputation, Bridgecrest has stolen my vehicle, and enlisted the help of a third party, which is an attempt to discriminate against me pursuant to 15 USC 1691 ( a ) ( 3 ) and an attempt to coerce me into paying the alleged debt pursuant to 10 USC 921. Pursuant to 12-1641, as Bridgecrest has failed to resolve my concerns within sixty days this alleged debt must be discharged. As Bridgecrest continues to attempt to commit fraud and racketeering against me and violate my consumer rights I will be forced to take necessary actions.
03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43213	Web	Servicemember
I am XXXX XXXX and Im submitting this complaint myself and and there is no third party involved. I sent Bridgecrest an Affidavit of Truth, Bill of Particulars and Cease and Desist that was sent and delivered around XXXX XXXX according to USPS. Bridgecrest did not review my concerns or attempt to provide the information that I requested. Bridgecrest sent me my documents back as if they did not care about my concerns of my consumer rights being violated. Bridgecrest has violated my cease and desist. Bridgecrest has committed numerous violations of my consumer rights including but not limited to 15 USC 1692b ( 2 ), 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), 15 USC 1692f and many more which has been outlined in an Affidavit of Truth that was sent to them and delivered with a signed return receipt as proof of delivery. Bridgecrest committed numerous crimes against me including but not limited to 18 USC 1341, 18 USC 3718, 18 USC 1028A and more which has been outlined in an Affidavit of Truth that was sent to them and delivered with a signed return receipt as proof of delivery. Bridgecrest has yet to provide a sufficient response and presented me with insufficient information/documents to prove the alleged debt belongs to me and report false and fraudulent information in an attempt to compromise my financial reputation, cause emotional distress, defamation of character and other unseen injuries. Bridgecrest recently stole my vehicle as an attempt coerce me into paying an alleged debt that does belong to me nor do I owe. I demanded that Bridgecrest send me the following information to prove that the alleged debt was mine : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged account #, ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was the debt assigned to a debt collector, ( 9 ) Amount paid of debt purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA Section 623 ( 7 ) ( A ). Bridgecrest responded with a fraudulent contract that they alleged I signed but it did not have my wet ink signature on it. Presenting me with this fraudulent contract has been construed as them attempting to not only hide evidence but commit fraud against me in an attempt to pay an alleged debt they can not prove is mine. Bridgecrest presented me with a fraudulent contract as their proof of the alleged debt, that did not fully disclose all accurate and truthful information in the loan contract. Bridgecrest gave a response that was not sufficient as they did not provide all the information requested above. They are unable to produce an original contract with my wet ink signature because they do not have one and can not prove that I initiated this consumer credit transaction. Bridgecrest defaulted on the Affidavit of Truth. Pursuant to 15 USC 78m ( q ) ( 1 ) ( c ) a payment means that is made to further the commercial development of oil, natural gas, or minerals. Bridgecrest ttempts to collect payment are a violation of federal law, and the contract stating payments on the loan is deceptive as well as null and void. Bridgecrest has continued to violate 15 USC 1681 ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 10 ) and 15 USC 1692f by claiming I owe an alleged debt and by falsely and fraudulently reporting information they know is not true to consumer reporting agencies in an attempt to use unfair and deceptive means to make me pay an alleged debt I do not owe and they can not prove I owe and by doing so without my written permission to do so. I demanded in writing that Bridgecrest stop reporting this false, fraudulent information and alleged debt to consumer reporting agencies and furnishing my report with this false, frivolous and fraudulent information. Bridgecrest continues to report to consumer reporting agencies, without my consent, that I owe an alleged debt however that alleged debt is being reported in a positive balance. It is impossible to pay/owe on a positive balance, if it was an actual debt and is owed it should be shown in the negative. The promissory note that I signed to get the loan is actually a credit instrument that was used in order to grant bookkeeping entry into the loan account which is equivalent to money. The alleged debt was already paid for with the signing, delivery, acceptance, and deposit of the promissory note. The moment I signed its blank indorsement and Bridgecrest took and made it a special indorsement according to UCC 3-205. Pay to the order of and its then negotiated for face value or close to it. This alleged debt is not an actual debt. The United States government created a bond ( which is my birth certificate ) with which negotiable instruments may be issued. My bond and social security number provided the security interest for the consumer credit transaction. Security which covers all obligations or alleged obligations which is that of the United States government pursuant to 18 USC 8. The United States has also issued full faith and credit on my bond as evident by article number XXXX. I attempted to use a negotiable instrument as payment as an attempt to decrease the national debt, which is my lawful right. that was sent to Bridgecrest. Bridgecrest is refusing to accept my negotiable instrument as form of payment and apply it to the account which is my consumer right and is backed by federal law that overrides their companys policy. My account is associated with an open ended consumer credit plan and Bridgecrest has failed to balance out my account every month to rectify their bank error caused by their mismanagement of payment. Bridgecrest has yet to produce an Insurance audit trail, a money audit trail in accordance with GAAP, or full disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 which I demanded. Pursuant to 31 USC 3718 Bridgecrest has to have a contract with the Treasury in order to even collect an alleged debt which Bridgecrest does not have. I also informed Bridgecrest that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce. As a result of these documents being sent ( Affidavit of Truth, Bill of Particulars and Ceased and Desist ) to restore my financial reputation, Bridgecrest has stolen my vehicle, and enlisted the help of a third party, which is an attempt to discriminate against me pursuant to 15 USC 1691 ( a ) ( 3 ) and an attempt to coerce me into paying the alleged debt pursuant to 10 USC 921. Pursuant to 12-1641, as Bridgecrest has failed to resolve my concerns within sixty days this alleged debt must be discharged. As Bridgecrest continues to attempt to commit fraud and racketeering against me and violate my consumer rights I will be forced to take necessary actions.
05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77449	Web
The company has several misleading information, along with valid proof that theyve submitted proving that they do not indeed have original copies of any encounter that may have taken place with me. The company had sent letters to me that I requested however these are indeed forged fraudulent documents. In these documents they are suggesting that these are original copies with the correct information, the same information that theyve forwarded as their response to my claim which proves fraudulent information that was also sent to CFPB. Im going to break down how the information is indeed false using the information sent to me from them that was dated on XX/XX/XXXX, the response letter that was sent to CFPB as well as myself and the actual original contract that I have and have had some XX/XX/XXXX. This will prove not only did they forge documents, creating a lie about whats actually owed including changing the number of payments, payment amount, finance charge, amount financed, total of payment, total sale price, payments that were made and the correct amount that was made each time. For that portion, Im still working with XXXX XXXX which is the institute I was banking with at that time to grant me records to also prove that what was being paid is well over what was stated on the forged documents that were presented to me. Lastly, the company mentioned that I completed this transaction in person and singed documents via electronic signature. This is also invalid! Its a well known fact that any company using electronic signatures has to provide a verification code with that signature as this will prove authenticity of the forms and the date of its approval. As the company has stated in several documents that theyve presented, the encounter took place on XX/XX/XXXX. Ironically enough, theres a lot of missing information and unverified I formation on that last page that the company is stating I signed, starting with the signature. One, I did not sign electronically, two, theres no date next to my name nor was there a area to sign and print, just sign which was ironically done on a computer with no verification. Next, as I mentioned, the company did not provide a signature verification proving that I signed any documents electronically. The company did however list a code and date on the bottom of their documents that do not appear on the bottom of my documents. This document is the XXXX with a date of XX/XX/XXXX. Three year before I would even step foot anywhere near a XXXX, let alone step food in Texas. At the top of this document it has the code numbers XXXX which is indeed at the top left hand corner of my documents however, in my documents the numbers arent cut off as they are in the documents that were sent to me by said company bringing more suspicion to these forms, leading me to believe even more that these forms were indeed forged and that contract was taken from someone elses account, the information was replaced with my name and number were made up and placed in to try and proved verification of debt. On their said document which would be the Federal Truth In Lending Disclosure that I requested, their document which is supposed to be the identical page of the original has different font and size from the document I have, the name of the form was changed from Federal Truth In Lending Disclosure to Simple Interest Retail Installment Contract. Again, if this is indeed a copy of the original when did the title, font, sizing of the letters, cut of of the numbers in the upper corner and new mysterious code and date in the lower corner, change or come into effect? Moving on the pricing, payments and dates issue. In that area, the only thing that was listed and matched the forms I have possession of would be the Annual Percentage Rate of 16.028 % and the beginning of when payments were to be made which was XX/XX/XXXX. Every other number on the form they sent me after that was wrong! On their form that was sent, they listed a Finance Charge of {$10000.00}, a Amount Financed of {$20000.00}, a Total of Payments of {$30000.00} and Total Sale Price including a {$1500.00} down payment totaling {$32000.00}. Its also mentioned on their forms that were sent, XXXX payments for the amount of {$220.00} starting XX/XX/XXXX and XXXX final payment of {$220.00} ending XX/XX/XXXX totaling XXXX payments total. However, on the documents that I have In the original XXXX folder, on the original document I have Different numbers. The following information : Annual Percentage Rate 16.028 % Finance Charge {$10000.00} Amount Financed {$21000.00} Total of Payments {$32000.00} Total Sale Price {$1500.00} down payment {$33000.00}. XXXX payments of {$220.00} beginning XX/XX/XXXX and XXXX payment of {$220.00} ending XX/XX/XXXX totaling XXXX payments. Theres also something underneath the security of interest on their page that isnt on mine. So this leads me to believe that no only do they not have the original document, but that they forged a document and sent it to me and to the CFPB lying about the information that they supposedly have on me and thats just the start of it. If they could easy crest documents and lie about accounts, it leads me to believe that this issue is an ongoing issue and has been for years. Which also leads me to believe, Im not the only one theyve done this to and this is why I began to look into this more and reach out for further assistance with CFPB and other firms. As I mentioned, I am working with the bank I had at that time to obtain records as theres a proven fact that the vehicle was paid down even more and higher amounts were paid to the company, not the random amounts they created on a ledger and sent to be. I also have original receipts, including XXXX with faded information but still legible. Merchant ID XXXX Terminal ID XXXX Credit Card used VISA SALE Invoice XXXX Batch # XXXX Approval Code XXXX Entry Method Swiped Followed by a second receipt with a receipt number XXXX store number XXXX payment taken by XXXX although on the documents that were sent by said company, it had an electronic signature of someone named XXXX. This brings me to another letter I requested be sent which was the Explanation of Surplus. The company is standing on their case that I owe them {$7500.00} after the car was sold off at auction. Now as I was able to provide proof that theyve lied about the numbers, they created fraudulent documents and they are claiming that this is whats still owed. If theyre able to lie and create forged documents, how am I to truly believe that this is my debt? How am I to believe that they sold the vehicle and only received a certain amount? How am I not to believe that they received more but never applied it all to the account but instead out of greed, decided to go after more. I do not believe that the statements shared by the company is accurate as theyve already proven to myself and the CFPB that their word can not be trusted, nor can their documents. I will Not drop this matter until this company does what is right, take accountability for their actions and their lies and remove this inaccurate information from off of my account or I will continue to dig deep into this issue revealing what I believe is a scam.
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 79705	Web
Bridgecrest reporting inaccurate information to credit reporting agencies with remark added on XX/XX/XXXX as Charged off as bad debt Profit and loss write-off when this account was and should stand as " Paid in Full '' and closed. Bridgecrest is in violation of several laws including but not limited to : Bridgecrest may have violated 15 U.S.C. 1692c, which prohibits debt collectors from communicating with consumers at inconvenient times or places, or contacting consumers who are represented by an attorney. Bridgecrest may have violated 15 U.S.C. 1692d, which prohibits debt collectors from engaging in any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt1. This includes using obscene or profane language, causing a telephone to ring repeatedly or continuously, or threatening to use violence or other criminal means. Bridgecrest may have violated 15 U.S.C. 1692e, which prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt1. This includes falsely representing the character, amount, or legal status of any debt, falsely implying that the debt collector is affiliated with the government or a credit bureau, or falsely threatening to take any action that can not be legally taken or is not intended to be taken. Bridgecrest may have violated 15 U.S.C. 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt1. This includes collecting any amount that is not authorized by the agreement creating the debt or permitted by law, taking or threatening to take nonjudicial action to effect dispossession or disablement of property, or communicating with a consumer by postcard. Bridgecrest may have violated 15 U.S.C. 1692h, which prohibits debt collectors from applying a payment to a debt that is disputed by the consumer, unless the consumer agrees in writing1. It also requires debt collectors to notify the consumer of the allocation of payments to multiple debts and not apply payments to debts that are disputed by the consumer. Bridgecrest may have violated 15 U.S.C. 1692j, which prohibits debt collectors from creating, distributing, or using any written communication that simulates or is falsely represented to be a document authorized, issued, or approved by a court, official, or agency of the United States or any state1. It also prohibits debt collectors from creating a false impression as to its source, authorization, or approval. Bridgecrest may have violated the Telephone Consumer Protection Act ( TCPA ), which regulates how telemarketers and debt collectors can use automated dialing systems, prerecorded messages, text messages, and faxes to contact consumers. For example, Bridgecrest may have violated TCPA by calling or texting consumers without their prior express consent, by calling or texting consumers after they requested to stop. The following is a letter sent to Bridgecrest in response to Bridgecrest representative allegations that are false and misleading or non-responsive request that Bridgecrest never provided : Dear Bridgecrest, I am writing to dispute the debt that you claim I owe on my alleged account. I believe that you have engaged in false, deceptive, unfair, and abusive practices in violation of several federal and state laws. I demand that you cease all collection efforts on this account and correct any negative information that you have reported to the credit bureaus. According to your response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), you claim that I entered into a retail installment contract with XXXX on XX/XX/XXXX, to purchase a XXXX XXXX XXXX, and that the account was subsequently assigned to you. You also claim that I agreed to finance a total of {$18000.00} with an 18.596 % annual percentage rate ( APR ) and remit a down payment of {$1100.00}, for a total sales price of {$31000.00}. However, I dispute the validity and accuracy of this debt for the following reasons : You failed to provide me with a written notice of my debt within five days of your initial contact with me, as required by 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ). You also failed to verify my debt upon my written request, as required by 15 U.S.C. 1692g ( b ) of the FDCPA. You falsely claimed that I personally accessed the self-service portal and registered a new bank account and routing number, and that I used this unfamiliar payment method on XX/XX/XXXX, to remit the accounts payoff balance of {$14000.00}. This is a false and misleading representation in violation of 15 U.S.C. 1692e of the FDCPA. Where is the proof that I input this information in that manner? You misled me by confirming that my account was fully paid off and closed on XX/XX/XXXX, when I made two payments of {$100.00} and {$130.00} using my usual payment method. You also confirmed this information via phone and text messages, and told me when to expect the release of the title. However, you later reopened my account without my permission or knowledge on XX/XX/XXXX, based on some unidentified payment issue. This is an unfair and unconscionable practice in violation of 15 U.S.C. 1692f of the FDCPA. It is also a deceptive act or practice in violation of the Federal Trade Commission Act ( FTC Act ) or my states consumer protection laws. You furnished inaccurate or incomplete information about my account to the credit reporting agencies, such as reporting that my account was delinquent or charged off when it was actually paid in full and closed. This is a violation of 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). You also failed to conduct a reasonable investigation of my dispute, as required by 15 U.S.C. 1681s-2 ( b ) of the FCRA. You harassed or abused me by calling me stupid on XX/XX/XXXX, when I inquired about the electronic transfer of the vehicles title. This is a violation of 15 U.S.C. 1692d of the FDCPA. It is also an abusive act or practice in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ). These are just some of the violations that you have committed in relation to this debt. I have evidence to support my claims, such as transaction statements, phone records, text messages, and CFPB complaint documents. Therefore, I demand that you cease all collection efforts on this account and correct any negative information that you have reported to the credit bureaus. I also request that you provide me with a written confirmation that you have complied with these demands immediately. If you fail to do so, I will pursue legal action against you for violating my rights under federal and state laws. I will also report your violations to the CFPB, the FTC, and my states attorney general. Sincerely, XXXX XXXX Response to claim XXXX did not show any valid proof or address actions taken by Bridgecrest. This company illegally altered documentation and made false allegations which led to even more violations commited by Bridgecrest. This company has commited Loan Fraud and issues have been reported to the FTC and the Texas Attorney General.
04/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	IL 604XX	Web
On XX/XX/XXXXXXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Illinois and was approved for a loan through Bridgecrest financial institution of about XXXX and I made a down payment of {$2000.00}. I submitted to them my work check stubs, insurance and all other documents they asked for and was approved on the spot for the vehicle. On XX/XX/XXXXXXXX I received an email from Bridgecrest stating that they needed additional documents for the post sales verification process to continue to honor the loan and these documents requested were my Bank Statements for the month of XXXX and my check stubs from XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXXXXXX I received a phone call from XXXX ( the person who sold me the vehicle at XXXX XXXX ) stating they needed the Bank Statements by XX/XX/XXXXXXXX to confirm my direct deposits matched my check stubs because there was a discrepancy with my check stubs and if they were not received by this date then the bank would request that I return the vehicle back to the dealership. He later sent me a link via text message to submit the bank statements through XXXX XXXX XXXXXXXX XXXX On XX/XX/XXXXXXXX I attempted to upload the documents to XXXX XXXX XXXX XXXX but XXXX sent me a link to submit the XXXX statements instead of the XXXX statements so the system would not allow me to upload them into the system. I called XXXX to inform him of this mishap and per his request, I emailed the XXXX XXXX Bank Statements to his work email address ( XXXX ) with my direct deposits that matched my check stubs on XX/XX/XXXX. On XX/XX/XXXXXXXX I received a text message from XXXX stating that he had not received my bank statements and he asked if I could send them to him again so that he could get them uploaded into the system for Bridgecrest. I then sent another email to XXXX with the requested documents and I sent him a text message to confirm that he had received them this time via email. He confirmed that he had received and submitted the bank statements to Bridgecrest and that he would let me know when he received an update. On Monday XX/XX/XXXXXXXX I reached out to XXXX before going to work letting him know that he could leave me a voice message or a text message when he received an update from the bank and that I would give him a call back when I get off work. He texted me back that he hadn't heard anything back rom the bank and that he would let me know as soon as he did and that was the last time I heard from him. A week later on XX/XX/XXXXXXXX I visited XXXX XXXX to receive to tire air pressure caps for my two back wheels because I hadn't noticed that they were not there upon purchase of the vehicle. No one in the dealership told me that I needed to return the car or that the bank denied my documents. I never received any type of notification XXXX XXXX XXXX or Bridgecrest stating that my documents were not approved for post-verification so I continued to pay on my car note in advance. I made payments on my car note on XX/XX/XXXXXXXX ( {$97.00} ), XX/XX/XXXXXXXX ( {$65.00} ) and XX/XX/XXXX ( {$130.00} ) ( the due date ). Upon making these payments I still never received notice from the bank XXXX XXXX XXXX that my documents were not approved and that they needed me to return the vehicle so I thought that everything was in the clear. On XX/XX/XXXXXXXX at XXXX XXXX I called the local police department because my car was not outside and I thought it had been stolen. They informed me that my car was reposed the previous night around XXXX XXXX. I immediately called XXXX XXXX to ask them what was the reason for the repossession and they could not give me an answer and suggested I call Bridgecrest since they were the lenders. I called Bridgecrest to inquire about the repossession and the only thing they could tell me was that I did not meet the post verification process due to the discrepancy in my pay ( the initial reason they requested my bank statements ) and when I asked them about receiving my bank statements they told me I had to reach back out to XXXX XXXX. Additionally, the agent told me that it would take about 4-6 weeks for them to reverse the charges and issue me a refund because XXXX XXXX has to inspect the vehicle and confirm that it is in the same condition in which I received it. I called XXXX XXXX once again and asked them if my bank statements were submitted and the manager told me they were submitted and the only thing he can see in the system was that the documents were waiting to be reviewed but it did not say whether they were approved or denied. He also repeated to me that they did the post verification process and had a discrepancy in my pay which is why they needed the bank statements in the first place but that the submission of the bank statements typically clears up that discrepancy with the bank. I then asked the manager if he could reach out to Bridgecrest in order to find out if they approved or denied my documents on their end since they XXXX XXXX XXXX ) did not have a definite answer and he told me that it was unlikely that he would receive an answer from the bank, especially as a third party. The manager told me he would reach back out to me with any updates whether he received an answer or not from Bridgecrest. This phone call prompted me to call Bridgecrest once more to confirm if my bank statements had been approved and looked at by them and they did not have a clear answer for me. They told me that XXXX XXXX handles the contracts and they would have any answers regarding whether or not my documents were looked at and I told them XXXX XXXX did not have any answers for me and told me to call them ( the bank ). During both calls to Bridgecrest I asked to speak to a manager that may be able to give me more answers but they were only able to redirect me to customer relations and said they would not be able to answer the questions I had and only XXXX XXXX could do that. Both of these companies have not been able to give me a clear cut explanation as to why my car has been repossessed and they are giving me the run arounds between both of them when I try to get answers. This entire ordeal has been very stressful and tiresome and I would like to request a FULL refund of my {$2000.00} and the {$290.00} I paid towards my car note if Bridgecrest is not going to honor the original loan agreement and they knew full and well that they ( XXXX XXXX XXXX ) had plans to repossess my car. I would also like a full explanation in WRITING as to why my car was repossessed and why I did not receive a phone call, voicemail or email stating to return the vehicle before it was repossessed with my personal belongings. Additionally, I would like to be reimbursed for the cost of going to collect my belongings from XXXX XXXX XXXX the repossession company ) because I was not given the choice to return the vehicle to the dealership on my own accord, which I would have done with no problem had I received notice of the loan being reversed.
02/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46112	Web
On XX/XX/XXXX my car was hit by an unlicensed driver and was not drivable. A police report was filed and the officer requested a tow to the nearest tow facility. I reported the accident to the at-fault driver 's insurance company. I later filed with my own XXXX insurance because I could not wait for XXXX XXXX to handle my claim. I gave my adjuster the contact info for Bridgecrest Total Loss Department. The adjuster went out to inspect the car a few days later, and the car was GONE. The tow facility advised that Bridgecrest had ordered a REPOSSESSION. I have never once been late on a payment and have had full-coverage insurance in place on this car since day one. I called Bridgecrest and no one ONCE mentioned that this was a repossession and stated that they moved the car because it was " their right to do so because it was considered abandoned. '' My car was never abandoned! The insurance company was doing their due diligence and informed me that they would handle the entire claim. I was also told that I was NOT ALLOWED to speak to the Bridgecrest Total Loss Department -- only my insurance adjuster could do that. I called Bridgecrest Customer Service once again to advise that this car should NOT have been repossessed because I was not behind on payment and was not in default in any way. The rep proceeded to inform me that it was their policy to retrieve cars after being in an accident in order to " stop the towing charges, '' but no one can or will provide me with any documentation of this policy. I then submitted a XXXX XXXX XXXX complaint which resulted in immediate contact from Bridgecrest ( this was the first contact I have EVER received from them, after I filed a complaint ). The Bridgecrest Compliance Dept rep rudely informed me that the only way I could get my car back was to redeem or reinstate it per the " offer '' they mailed, and this letter was dated XX/XX/XXXX ( 15 days after the accident, and I had received no contact whatsoever by phone, email, or otherwise prior to this letter ). The letter dated XX/XX/XXXX was sent by First Class snail mail and was not delivered to me until XX/XX/XXXX. The letter stated that I only had until XX/XX/XXXX to come up with {$3000.00} to redeem the car- {$2000.00} loan balance and {$930.00} " expenses of retaking the vehicle, '' which should have never happened to begin with! I continued to argue that my car should not be listed as " repossessed '' when I was never late and never violated a single part of my contract. The Compliance Dept. rep said " Its too bad that you don't like my answers, but that's the way we do things. '' My insurance adjuster attempted on XX/XX/XXXX once again to do the inspection at the new location Bridgecrest had said my car was towed to. Once again, the car was not there! On XX/XX/XXXX I was able to track my vehicle to a location nearly an hour away from where it was originally towed to, which resulted in the need for a new XXXX adjuster to be assigned due to the new location being so far from the original. On XX/XX/XXXX my new adjuster went to the new location and did the initial inspection of my car, all the while I am being told that I had to pay off my car plus all of their fees if I didn't want my car to be sold! They repeatedly gave me inaccurate and misleading information, always glossing over the " repossession '' aspect and simply telling me that they only moved the car to save us all from the towing fees. I repeatedly told them that my insurance would be paying all of those fees! The XXXX liability agent contacted Bridgecrest Total Loss Department once again and they refused to provide him any information, other than to tell him that they would not allow my car to be towed to a repair shop for further inspection to determine the extent of internal/computer damage ( so that a settlement could be prepared to end this nightmare ). Finally on XXXX, Bridgecrest agreed to send photos to XXXX to help them determine if the car was a total loss or not. The car had already been visually inspected -- photos didn't help anything. All it did was drag this out even further, and Bridgecrest could only tell me that their fee would continue to go up each day. The XXXX liability agent called the Total Loss Department once again and they informed him that all I had to do was call Bridgecrest and give them permission to release the vehicle to XXXX. I made the call and was told that no, in fact, this was not the case. They told me that I would need to sign and have notarized a release document, in addition to providing a XXXX driving history, among other things. A driving history?? I have done nothing wrong!! They disabled my online account which makes it impossible for me to make online payments during this nightmare ( and I have made one payment -- on time -- during this process already, with another due next week ). They will also not allow my insurance company to pay the fees to retrieve the car because the only options for payment are debit cards or cash at XXXX. Unbelievable! Yesterday, XX/XX/XXXX, my credit score dropped 95 POINTS due to a repossession being reported by Bridgecrest. I am not and have never been delinquent in any way, nor have I failed to uphold any part of the contract. This is not a financial issue, nor is it a credit or contract issue. It is the predatory and abusive " policies '' under which Bridgecrest does business with no regard whatsoever for loyal customers with exceptional payment history. I would love nothing more than to pay the {$2000.00} balance I owe on my loan and move on my way to a reputable lender, but I have no faith that Bridgecrest will ever provide me with the title to my car, nor will they accurately report my balance. My credit report now shows my Bridgecrest account as CLOSED, even though my car hasn't even been deemed a total loss! The inspection can not be completed due to them moving my car and not allowing XXXX to complete their process and offer a settlement. My credit report says that my account was " never late, '' and the payment history illustrates on-time payments each and every month, yet Bridgecrest has ruined my credit without just cause. I demand that this negative information be REMOVED from all credit bureaus immediately. I do still have a balance on my loan, but it is NOT PAST DUE ( never was ) and should not be listed under a negative credit report entry! This action is deceitful and damaging, and I will pursue all legal action required to remedy the situation, as I have paid faithfully and taken excellent care of my care, including full-coverage insurance which I am TRYING to utilize to repair the car. My next complaint will be to the Attorney General and other appropriate entities.
06/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	KS 660XX	Web
XX/XX/XXXX - I logged into my account at Bridgecrest. They are the lienholder on my auto loan for a XXXX XXXX XXXX XXXX purchased from XXXX. I wanted to see a copy of my loan contract and see if I had GAP insurance on my loan, but that information is not available online for the customer. I attempted to contact customer service using the method given on the website - either send a message or call. I sent a message. A minute or two later, I received a text message response on my phone. Bridgecrest does not have chat customer service. I responded to the text and asked them to please send me a copy of my loan agreement, interest rate, and loan history. Several text responses came back stating that they were experiencing a higher-than-normal message volume and would respond when they could. Approximately 30 minutes later, I received another text message from a Bridgecrest customer service agent named XXXX XXXX XX/XX/XXXX @ XXXX XXXX ). After validating my identity, I asked about GAP coverage ( if any ) and for a copy of my loan agreement. This was not my first time requesting this information, but my request was simply ignored the previous two times ( on various undocumented occasions within the last year or so ). After several messages back and forth, she confirmed that I had GAP coverage and stated, " I advised that it will be emailed and it would take 24-48 business days to receive. '' XX/XX/XXXX @ XXXXXXXX XXXX - I still have not received anything from Bridgecrest via email as promised. So, again, I started the process over by requesting my loan agreement documents via text message ( because no one will answer the phone ). In response, I received the same text response that they are currently experiencing a higher-than-normal message volume and they would respond when they could. At XXXXXXXX XXXX I received a response from an agent named XXXX. I again validated my identity and asked for the same information as before ( a copy of my loan agreement documents ). At XXXXXXXX XXXX, XXXX replied back that according to her information, the documents I was seeking were already emailed to me and insisted that they were in my SPAM or Trash folder, neither of which was accurate. She reconfirms the email address on my account, and it is correct. I confirm the email address, and then I'm placed back into the message queue as if I were starting over. At XXXX XXXX, I receive the same beginning messages again about the higher-than-normal message volume et al. Finally, at XXXX XXXX, I received a response from an unnamed party asking if I had checked my spam folder. I confirmed that I had checked the spam folder, and the email was not there. At XXXX XXXX, I received a response, starting me over in the message queue AGAIN with the same message volume messages. I begin to complain that I have been waiting and attempting to garner the same information since XXXXXXXX XXXX. A response was sent by an unidentified agent stating that I should call the phone number ( XXXX ). As I am responding to the text, I am also on the phone calling the phone number. I finally connected with an agent by voice call, identified myself, and asked for the loan documents to be sent to me. I was asked to wait on a brief hold, and then the next thing I knew, I was disconnected from the call. The text message I sent back to Bridgecrest as I navigated the voice call requested that they email the requested documentation to two different email addresses as a backup measure. At XXXX XXXX, I was given a ticket number XXXX ( for the email request sent to XXXX ) and another ticket number - XXXX for the request sent to XXXX. I was not given an ETA for the information by email, but I am assured that for any information I need, I can certainly follow up with Bridecrest and request if needed. XX/XX/XXXX - XXXX XXXX ( Phone call - Duration : 4 min, 25 sec ) : After many automated menus, being placed on hold, transferred, and back to an automated menu on the phone, I finally found a live agent to follow up with about my requests for documentation. I was placed on hold for a bit, and then the agent returned to say that my initial request for documentation was denied, but he could not tell me why - not clearly. He spoke very broken English, which may have been a language barrier issue. Still, when I asked again for him to repeat the reason - slowly, so I could understand - I was given a reason I still did not understand about my identity. That has never come up before. Then when I began to press him on the issue and asked why obtaining simple documentation from a verified current customer was such an issue, he stated that he again requested the documentation and I would need to wait another 24-48 business hours ( not days this time- as the very first text message response stated! ). Today is XX/XX/XXXX, and there has been zero communication from Bridgecrest. The emails have not arrived as promised. Any further attempt on my part to obtain the aforementioned documentation will likely be as futile as the previous 4-6 attempts. I honestly do not know what to do next or how to get the information I am requesting as I have circled and jumped through all of the hoops they have enlisted. It seems very suspicious to me that customer information and documents relating to my auto loan would be withheld from me, and my multiple requests for such documentation have ultimately been ignored. Additionally, basic information such as a loan or account number is unavailable through the customer account area, and monthly statements are not sent to the customer ( where a loan number or account number would be shown ). There is very little transparency concerning account information available to the customer. Repeated attempts to obtain any information from Bridgecrest concerning my loan have been met with excuses, long on-hold times, empty promises, and outright non-response. The information available to the customer on their website account is very limited- the due date and amount are listed, and the ability to request a payoff quote, but that is really about all that can be done from the customer account side of the site. It is frustrating, especially compared to the lienholder on my other vehicle, XXXX XXXX, who is absolutely happy to have everything available to the customer online or by chat. I looked up Bridgecrest on the XXXX XXXX XXXX website, and it appears that I do not stand alone in being unhappy with this company. In fact, they hold a XXXX XXXX XXXX XXXX rating with the XXXX - XXXX XXXX within the last XXXX XXXX and XXXX complaints in a XXXX period. Please, help me obtain the documentation and information I am seeking.
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23505	Web
in XX/XX/2023, I received an update on my credit report and found an unverifiable, invalidated, inaccurate, and questionable item which lowered my credit score and has led me to believe that your agency has not made sure it is reporting 100 % accuracy. This is direct violation of : U.S. Code chapters 1605, 1681e ( b ), 1681i ( 5 ), and 1692 with the definitions in detail 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. Compliance procedures [ 15 U.S.C. 1681e ( b ) ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ( 5 ) ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements Relating to Reinsertion of Previously Deleted 15 U.S. Code 1692a. Definitions As used in this subchapter- ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection . ( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include- ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. ( 7 ) The term " location information '' means a consumer 's place of abode and his telephone number at such place, or his place of employment. ( 8 ) The term " State '' means any State, territory, or possession of the United States, the District of Columbia, the Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.
01/30/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MD 21114	Web
My last complaint was closed because it was determined it was a duplicate complaint which isn't true. Look at my prior complaints to both Companies Bridgecrest Credit Company and XXXX XXXX. Through misleading tactics from both companies I have been misled and has suffered from mistakes from both companies. To recap I bought a vehicle from XXXX XXXX from there XXXX XXXX, Maryland location in XX/XX/XXXX. It was a XXXX XXXX XXXX. After a long battle of arguing with both companies it was bought back from me because of the rust and mechanical issues I was having because of Flood Damage to the vehicle before I had owned the vehcile. So after numerous days off taking the vehicle in to repair shops for opinions and getting things documented it was finally bought back from in XX/XX/XXXX. So I was told at the time unknowingly that the money I had paid into my first vehicle wouldn't count on my Credit Score and wouldn't be entitled to any of the 6 plus months of on-time payments. So when I was put into my new vehicle from this company I could only use my original down payment towards my new vehicle. At the time I was just happy I was able to get out of my current vehicle and into a lower mileage vehicle. So My interest rate was raised because of things outside of my control and was told after many discussions that Bridgecrest wasn't in charge of setting my interest rate even though they are my Finance Company but XXXX XXXX would have that ability. So my interest rate was raised and after also fighting this point it was also offered to match my original interest rate of my prior vehicle but because I was upset at the time and lost my temper, that settlement was taken off the table. I was rightfully upset and I can only apologize for my shortcomings. For this complaint I am requesting some more answers to my ongoing concerns. I have been in contact with Maryland State Police Automotive Safety Division which is in charge of Maryland State Inspection Inspectors and Guidelines. Too much time has passed since getting my original vehicle so they cant investigate the issue of how my original vehicle ever passed inspection. The first thing I would like if it would be possible to see what happened to that vehicle after I had returned it to XXXX XXXX. I your companies cant help me to with this I will be forced to take legal action and research it myself to make sure someone else didn't get into this unsafe vehicle. I was told verbally without knowing and signed documentation that gave top my ability or to have been made aware that all of my payments form my prior vehicle was not entitled to me as well as the 6 months of on-time payments which is unfair twice so it is like nothing ever happened fro the 6 plus months that I was in my XXXX XXXX XXXX. That is my main complaint of why just because I was in the vehicle the money was paid for the time of use of a vehicle that wasn't in my opinion uo ti par for sale to the general public so both companies made that money without any repercussions for saying a vehicle that should have been sold to the vernal public to begin with. It is common sense to me to at least give that money back to put towards my new vehicle that I had gotten but we are passed that now and will not quit filing complaints until I get at least some of my money back I had paid into my other vehicle. I believe I should be entitled to because of my pain and frustration while dealing with my prior vehicle. I am being punished for owning a vehicle that shouldn't have been sold to the general public. Also I need some more answers. I am requesting the process from start to finish on how vehicles are sold from these companies because I believe there has been more mistakes made that helps convince my case. From getting approved online for a vehicle and when entering the dealership acquiring finance for set vehicle. Like I said XXXX is in charge of setting the interest rate to Bridgecrest so I need to know why they could up my interest rate fro things outside of my control. In my eyes it is like beating a dead horse. So I am under rate influence I can throw all that money at my prior vehicle which was unsafe for sale to the General public and not to be able to retain any of my money bth payment wise and lost time from taking off to get it into a repair shop. SO I would like a detail explanation of the process even how the Salesman that took care of my situation is paid with the sale of both vehicles. So I am led to believe that he made commission both times which would be unfair in my opinion. Both companies are making out without having to sacrifice anything like I have. So free money for 6 plus months and the ability to XXXX me over a higher interest rate and keep going on as business as usual. I cant get out of this vehicle because of how much I owe so I'm between a rock and a hard place. I'm at the point my credit isn't getting any better too not fast of my own so what if let these companies repo my vehicle because I'm at the point when is enough, enough? I have nothing to show for the past year of on time payments and instead of paying these companies and not getting anything I'd rather just take the hit that I'm already taking and be un burdened with having to pay a company that hasn't had my best interests in mind form the start. Im tired of arguing my points and paying into a system that is rigged to hurt people in my situation with horrible credit. Im not use with he interest level but jus the increase that was made because of no wrong doing on my part. One the life of the loan ( s ) the higher interest rate would amount to over {$600.00} in extra money because of the error made by both companies. I would have to check but If I was to go rob a back anything over {$500.00} would be a felony. That is what is happening to me. It is theft. So I would be held responsible these companies should be held responsible. I have copied this complaint and as you are getting this I have forward this to the Maryland Attorney General 's office as well as the Maryland State Police Automotive Safety Unit to investigate both companies in the Sate of Maryland because it is my belief I can't be the only one this has happened too. So I might not be able to have my original vehicle investigated but I believe I have enough evidence for the State to investigate any of there companies inspections of other vehicles to show that there is a pattern of wrongdoing and should have set companies be held responsible for saying sub par vehicles to the General Public.
08/22/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 60617	Web
I have an auto loan with Bridgecrest. I fell behind on payments because I was recently diagnosed with XXXX.I tried several times to get my payment lowered or to defer payments as a result but was never successful so I paid what I could, when I could. Either way, my car was repossessed on XXXX XXXX at XXXX XXXX. I had a payment arrangement set up to avoid repossession for XXXX XXXX but they came and got my car anyway. I called to find out how much I had to pay to get my car back and for the past two days no one has given me an exact number, or known anything about the process to get it back. All day yesterday I attempted to get in touch with a supervisor after XXXX, made fun of me for having XXXX and told me cross my fingers that my car didnt get sold before I could pay for it. He told me that I owed {$1900.00} and that my car payment was 180 days behind so it would be charged off anyway. HE also stated that there were fees everyday. When I asked the cost of the fees he said that there was no set cost. I explained that if that was the case how would I know how much I had to pay to get my car out. He hung up. I did some research and found that my payment was 86 days late and in order to charge off an account it had to be 180 days, which it wasnt. I also logged into my account online and the balance owed was much less than the {$1900.00} but I made a {$490.00} payment anyway bringing my balance down to {$1100.00}. I called back seven times yesterday to speak to the manager due to my experience speaking with XXXX and no one called back or was available for the entire day. Finally, today I was able to speak to a manager at XXXX : XXXX XXXX, CST and he wouldnt do anything to help me make any arrangements other than a 7 day notice for the auction to not make any changes to my car. Numerous times in our hour long conversation I asked what the amount was that I had to pay to get my car out and/or if there was any way to wait to sell my car until XXXX XXXX being that they had 21 days per IL before they could sell it. I explained it was a five day difference and given the circumstances it would be a tremendous help to me.I explained that I could pay everything but {$400.00} which I could pay on the XXXX when I get my next check, therefore, paying all that was owed. HE refused. He stated that if I waited until the XXXX to make the final payment my car may have been sold and that I would have to cover any costs associated with preparing it for the auction sale. I explained that I would have all but {$400.00} paid by the XXXX which is before the car could legally be auctioned and that I only needed the additional five days to get paid and make the final payment but he still refused to accept the arrangement. I also explained that they would be set to lose thousands of dollars by auctioning the car rather than working with me and that I would do whatever necessary to prove I was going to make the payment on the XXXX and he still refused. He stated that any payment made after XXXX XXXX would have to include the XXXX payment that is due on the XXXX. I explained that if that had to be included I would be paying over {$3000.00} to get my car back and asked if there was any arrangement that could be made, once more I was told no. I then explained in order for me to even pay to get my car back before the XXXX I wouldn't be able to pay my rent, buy the medication I need or see a doctor and he said " ok ''. Being that I wasn't getting anywhere I asked when the car was going to be sent to the auction and he claimed it hadnt been sent yet. I asked what the cost associated with the transfer was and he claimed he did not know he could only estimate the cost and assured me that the car had not been moved as of yet. He stated that if I called the lot the car was taken to and they agreed not to move it yet I wouldnt have to pay the transfer fee and at the end of our conversation I Was told in order to get my car out today I had to pay {$1400.00}. Which included any fees that would happen. I again asked what the fees were and he could not give me a direct answer. I asked him why the amount he was telling me was not reflected with the online account and I did not receive an answer. We ended the conversation with the understanding that I would be paying that amount by EOD either by my father or myself. At XXXX I logged on to my online account with Bridgecrest and noticed my balance reflected was not {$1400.00} but {$1100.00}, I still made an online payment to Bridgecrest for {$1400.00} and I called the tow company my car was taken to prior to going to the auction. When I called I spoke to an agent who notified me that the car was sent to the auction this morning. I explained that I just had gotten off the phone with Bridgecrest and they told me it hadnt been sent. She assured me it was sent. When I asked where the auction was she could not give me a name, she just told me it was in XXXX which is 40 minutes from the tow yard the car was originally at. The way this entire repossession was handled may have been legally done but not with ethics. For someone who is battling XXXX to make a payment arrangement only to have my car repoed anyway it outlandish. I am skipping out on XXXX and my rent in order to pay for my car and try to get it back but it seems like a waste of time. When I call tomorrow to see what I need to do to get my car back I can nearly bet that they will say a different number even though I have made the payment today. I just want my car back, to be handled ethically and to have some understanding. Things happen in lives. You cant go around treating people like trash because of it. I am not asking for a miracle, however, I am asking for some understanding. I have offered to pay all but {$400.00} and the XXXX XXXX payment in a timely manner. I asked that XXXX XXXX payment be pushed to XXXX and that I would pay XXXX and XXXX payments together. I also let them know that even though I feel sick every day and have XXXX, I still went and got a job so that I could ensure I can pay this bill. No matter what resolution I offered nothing was beneficial. It is about to be winter in a few months, going through XXXX, isn't an option if I am not driving myself. It would only make me more sick. And I am not using it as an excuse but I would hope someone in my situation would have some compassion or understanding in return.
12/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 319XX	Web
Company violated many laws and codes on XX/XX/2022. Under 15 U.S. Code 1605- Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and are aware that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bridgecrest Acceptance Corporation and Bridgecrest Credit Company , LLC XXXX as the Indenture Trustee violated this right as shown in Exhibit ( W ) as the finance charge is not the sum of all charges. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Bridgecrest Acceptance Corporation and Bridgecrest Credit Company , LLC, as the Indenture Trustee, shall also know that Examples of charges which are included in the finance charge include any of the following types of charges which are applicable as stated Pursuant to 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge, charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge and are aware that you are in violation as this was not included in the finance charge. You are also in violation of 15 U.S. Code 1605 ( a ) The finance charge does not include charges of a type payable in a comparable cash transaction. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Bridgecrest Acceptance Corporation and Bridgecrest Credit Company , LLC, as the Indenture Trustee shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes. Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; : 15 U.S. Code 1666 ( d ) - TREATMENT OF CREDIT BALANCE - Govinfo.gov Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 15 U.S. Code 1666 ( e ) - EFFECTIVE NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR - Govinfo.gov Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. 12 CFR 1026.13 ( e ) ( 1 ) ( 2 ) - PROCEDURES IF BILLING ERROR OCCURED 1 ) Correct the billing error and credit the consumers account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or deliver AS ASSERTED - Govinfo.gov 12 CFR 1693m - CIVIL LIABILITY - Govinfo.gov Individual or class action for damages ; amount of award Except as otherwise provided by this section and section 1693h of this title, any person who fails to comply with any provision of this subchapter with respect to any consumer, except for an error resolved in accordance with section 1693f of this title, is liable to such consumer in an amount equal to the sum of ( 1 ) any actual damage sustained by such consumer as a result of such failure ; ( 2 ) ( A ) in the case of an individual action, an amount not less than {$100.00} nor greater than {$1000.00} ; 15 U.S Code 1635 ( b ) -RIGHT TO RESCIND AND KEEP PROPERTY-Legal Information Institute RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it.
02/18/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30349	Web
I am an XXXX ( race ), Female ( gender ) that is over the age of XXXX ( age ) both now and at the time of the illegal auto loan ( XXXX, XXXX ) having a permanent XXXX ( XXXX ) ( XXXX XXXX XXXX and XXXX ). Bridgecrest ( Creditor ) ( Hereafter called Respondent/Respondents ) are individual and joint creditors within the meaning of the ECOA, 15 U.S.C. 1691a ( e ), and Regulation B, 12 C.F.R. 1002.2 ( 1 ). Respondents were and at all times knew or should have known their subjective illegal terms and conditions of the auto loan and underwriting process and usury high interest rates of 17.99 % are deceptive, discriminatory and illegal predatory business practices. The unlawful and discriminatory practices began on XX/XX/XXXX continues to this day. The unlawful and discriminatory practices are ongoing and punitive. Consequently, I believe I was targeted by the Respondents as an AXXXX female over the age of XXXX ( XXXX ) and based on my XXXX, vulnerable credit rating, low socioeconomic profile. I was greatly harmed financially by being illegally assessed a 17.99 % interest rate and been force to purchase an extended warranty which resulted in a loss of monthly income that interfered with my ability to eat, pay my bills or live at or above poverty level. Respondents were made aware of my XXXX during the underwriting process when I was asked about my retirement pension being a XXXX pension and when I was asked to provide a copy of my pension which clearly indicates XXXX pension. In addition and specifically, Respondents engaged in discriminatory, deceptive, fraudulent, white collar predatory loan practices when Respondent/Respondents : ( 1 ) FromXX/XX/XXXX to present, Respondents operated with deceptive, misleading and discriminatory practice when they required me to review and sign all documents online without time to view each page and terms and consequence of the contract with the assistance of an attorney and with time for clear thought and understanding. The print was not of a font or tangible for me to clearly read or understand the terms. The online application and underwriting process was clearly designed to not allow the target protected consumers to see, read, or understand the terms. The online application and sales process, purposefully, did not allow me time to consult with an attorney. ( 2 ) FromXX/XX/XXXX to present, Respondents fraudulently and deceptively targeted me and others as a low socio-economically distressed XXXX XXXX XXXX XXXX Female with a severe XXXX XXXX on a fixed income. Specifically, XXXX, XXXX XXXX and Bridgecrest sent me false and misleading advertisements alleging Playing games with your interest rate is what dealerships do, and we don't roll like that at XXXX ( email dated XX/XX/XXXX ) and using terms like SIMPLE INTEREST RETAIL INSTALLMENT CONTRACT. Their practices violated and harmed me and the Federal Trade Commission Act ( " XXXX '' ) and the Uniform Deceptive Trade Practices Act.56. ( 3 ) From XX/XX/XXXX to Present, Respondents bonded me to illegal and deceptive high interest rate auto loan of 17.99 % when the law states auto loans should not exceed 16 % interest rate. Even after I complained, Respondents did not refund the excess and did not reduce my interest rates to come in compliance with the law ; ( 4 ) From XX/XX/XXXX to Present, Respondents were aware that my finances and creditworthiness was not strong enough to bear an illegal interest rate of 17.99 % and the Respondents knew or should have known that I had little to no savings, urgent credit needs and limited options. ( 5 ) From XX/XX/XXXX to Present, Respondents also forced and/or coerced me into an extended warranty with XXXX at XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX. My warranty loan number is/was XXXX. This further marked up the loan price and generated more illegal interests for the Respondents ; ( 6 ) From XX/XX/XXXX to Present, Respondents engaged in a pattern and practice of discrimination in their credit transactions, underwriting and 17.99 % interest rates on the basis of my age ( XXXX ), race ( XXXX XXXX ), gender ( Female ) and XXXX ( XXXX XXXX XXXX and tXXXX XXXX ) in violation of ECOA. ( 7 ) I complained throughout the course of the loan period. However, the Respondents were unyielded and failed to self correct by refunding that portion of the interest rates that exceeds law and by failing to adjust interest rates to lawful rates. On or about XX/XX/XXXX, I complained of the deception, fraud, theft and illegal high interest rates. I stated it was having a disparate impact on me and requested a print out of my payments. In response, by email, auto loan bill being too high with noncompetitive rates. In conclusion, the Respondents 1 ) Made false and deceptive representation in their emails and on the title of sales contract Simple Interest Contract and throughout the life of the loan to me, specifically, to target me as a XXXX XXXX XXXX, low income, credit vulnerable XXXX, female with a XXXX ; 2 ) Respondents, knowingly, made reckless underwriting questionnaires and decisions, false and misleading advertisements and bates and illegal loan usury high interest rates of 17.99 % and did so with indifference as to the laws, ethics, the harm and injury to me ; 3 ) Respondents sole purpose to mislead and misrepresent their auto loans and interest rates was to specifically to profile me and other people of protected races, ages, genders and disabilities who were not financially strong or credit worthy ; the intent was to defraud for their profit ; 4 ) I, to my financial and medical hardship and detriment, relied on the Respondents misrepresentations and had the right to rely on it, and 5 ) Yet, I suffered greatly with compensable injury solely as a result of the Respondents fraud, schemes, misrepresentation, discrimination and illegal business practices. 6 ) Respondents deceptive, unethical, coercive, fraudulent and misleading loan practices that specifically targeted me based on my race, age, gender, demographics and disability resulted in having a discriminatory disparate impact on me causing me undue XXXX, exacerbating my health and causing severe financial harm.
03/01/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 95205	Web
On XX/XX/XXXX I purchased a vehicle from XXXX which then assigned the promissory. note to Bridgecrest to allegedly manage/finance. I've made several complaints in regards to Bridgecrest/ CEO XXXX XXXX not upholding her fiduciary duty and complying with federal laws to provide remedy to I consumer XXXX XXXX . I rescinded the transaction in accordance to 15 USC 1635/ 12 CFR 1026.24 and I have yet to receive my refund of all monies paid to date on account within 20 days allowed by law. Instead I continue to get a deceptive, false, misleading, and fraudulent response via mail and CFPB that I continue to owe a debt that pursuant to federal law 31 U.S. Code 3123 ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. 18 U.S. Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Steinber v. Mid-Penn Consumer Discount Co., 220 B.R 155 ( Pa. 1990 ). XXXX violated TILA by not including a finance charge for the consumers ' purchase of such insurance was a condition I'mposed by the company. The cost of the insurance was added to the amount financed and not to the financed charge. Bridgecrest never even offered or allowed me to add insurance to the finance charge. The entire contract was fraud and they continue to lie and send false and misleading messages via the CFPB site. in Case law Schultz v. Central Mortgage Co., 58 B.R. 945 ( Pa. 1986 ) The court determined that the creditor failed to meet any of the conditions for excluding such costs and was liable for twice the finance charge. Bridgecrest is liable to me the consumer twice the finance charge. The retail installment agreement showed that I gave security interest that secured all obligations and for Bridgecrest to turn around and create a loan under the Truth and Lending act and FDCPA constitutes it as fraud. The Uniform Commercial Code informs of the security interest. 9-206. SECURITY INTEREST ARISING IN PURCHASE OR DELIVERY OF FINANCIAL ASSET. ( a ) [ Security interest when person buys through securities intermediary. ] A security interest in favor of a securities intermediary attaches to a person 's security entitlement if : ( 1 ) the person buys a financial asset through the securities intermediary in a transaction in which the person is obligated to pay the purchase price to the securities intermediary at the time of the purchase; and ( 2 ) the securities intermediary credits the financial asset to the buyer 's securities account before the buyer pays the securities intermediary. ( b ) [ Security interest secures obligation to pay for financial asset. ] The security interest described in subsection ( a ) secures the person 's obligation to pay for the financial asset. ( c ) [ Security interest in payment against delivery transaction. ] A security interest in favor of a person that delivers a certificated security or other financial asset represented by a writing attaches to the security or other financial asset if : ( 1 ) the security or other financial asset : ( A ) in the ordinary course of business is transferred by delivery with any necessary indorsement or assignment ; and ( B ) is delivered under an agreement between persons in the business of dealing with such securities or financial assets ; and ( 2 ) the agreement calls for delivery against payment. ( d ) [ Security interest secures obligation to pay for delivery. ] The security interest described in subsection ( c ) secures the obligation to make payment for the delivery.The contract was never between I the consumer but between the creditor and seller pursuant to 2-104. Definitions : " Merchant '' ; " Between Merchants '' ; " Financing Agency ''. Primary tabs ( 1 ) " Merchant '' means a person who deals in goods of the kind or otherwise by his occupation holds himself out as having knowledge or skill peculiar to the practices or goods involved in the transaction or to whom such knowledge or skill may be attributed by his employment of an agent or broker or other intermediary who by his occupation holds himself out as having such knowledge or skill. ( 2 ) " Financing agency '' means a bank, finance company or other person who in the ordinary course of business makes advances against goods or documents of title or who by arrangement with either the seller or the buyer intervenes in ordinary course to make or collect payment due or claimed under the contract for sale, as by purchasing or paying the seller 's draft or making advances against it or by merely taking it for collection whether or not documents of title accompany the draft. " Financing agency '' includes also a bank or other person who similarly intervenes between persons who are in the position of seller and buyer in respect to the goods ( Section 2-707 ). ( 3 ) " Between Merchants '' means in any transaction with respect to which both parties are chargeable with the knowledge or skill of merchants. According to 15 USC 1681b my social security number is defined as a " credit card '' however the social security number belongs to the US government, it was assigned to me but doesn't belong to me. Which is the reason why pursuant to 18 USC 8 all debts are the obligation of the United States. Any entity requesting my social security number to apply for a loan on any application, knowing there's no money to lend is a felony and pursuant to 42 U.S.Code 408. I am requesting the director of CFPB to step in and Rhoit Chopra and assist with charging CEO XXXX XXXX with non compliance of Federal Law and fraud and all agents that did research fraud.
11/19/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 76134	Web
Dear Sir or Madam, 1. BRIDGECREST Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with BRIDGECREST and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL XXXXX	Web
DEBT VALIDATION LETTER Notice to the agent is notice to the principal, notice to the principal is notice to the agent ; UCC 1-202 To : BRIDGECREST XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date : XXXX XXXX This letter is being sent to you in response to account number XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully demand your offices provide me with competent evidence that I have any legal obligation to pay you as well as clarification as to which medium of exchange or lawful considerations is being requested as payment. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist ( estop ). Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, said action will be grounds for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 10 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST It is also stated that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It is also demanded that all garnishes and wage deductions for Insert name cease until this alleged debt can be verified and validated. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action in Federal Court for fraud, estate embezzlement, depravation of rights under color of law, human rights violations, constitutional law violations, inter alia. Sincerely, XXXX XXXX CREDITOR/DEBT COLLECTOR DECLARATION Provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. 1. Name and Address of Alleged Creditor. 2. Name and Address on File of Alleged Debtor. 3. Alleged Account Number #. 4. Clarify in writing if the amount transferred into the account of the alleged debtor was made in lawful money or promissory notes. 5. Amount of Alleged Debt. 6. Date ( that this alleged debt became payable ). 7. Date of Original Charge or Delinquency. 8. Was this Debt assigned to a Debt Collector or Purchased? 9. Amount Paid if Debt was Purchased. 10. Clarify in writing which laws, if any, govern the alleged loan or promissory agreement. 11. Produce a certified copy of the original note or promissory note consisting of the wet ink signature of both the debtor and creditor. 12. Clarify wither or not you or your agency is asking for gold or silver coin as payment of this alleged debt or Private commercial paper ( Federal Reserve Notes ) 13. Banking transactions, or a check from the lender / creditor with the borrower 's receipt of the face amount of the note. Attach copies of the following : Agreement with your client that grants BRIDGECREST the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein they agreed to pay the Creditor. All statements while this account was open. Banking transactions, or a check from the lender / creditor with the borrower 's receipt of the face amount of the note. Whether or not the amount in dispute is insured by a state or federal agency. Whether or not a claim was made by said insurance agency and if the alleged creditor has received payment by said insurance agency. If the debt was sold, how much was it sold for, along with proof of sale and the contact information of the seller and buyer. Additionally, provide the name and address of the bonding agent for BRIDGECREST in case legal action becomes necessary : This is my Good Faith attempt to clear up any misrepresentations or confusion concerning this matter, before taking any further actions. Signature All rights reserved and retained with prejudice. Date : XX/XX/2023 You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 10 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a lawful and legal demand for debt validation made pursuant to the Fair Debt Collection Practices Act. Allow 10 days for processing after I receive this information. Sincerely, XXXX XXXX
10/14/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43211	Web
Dear Sir or Madam, 1. BRIDGECREST Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with BRIDGECREST and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60636	Web
Dear Sir or Madam, 1. BRIDGECREST Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with BRIDGECREST and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IN 46260	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Bridgecrest XXXX & BAL. {$6500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
07/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37129	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRIDGECREST ACCEPTANCE CORPORA bal. {$17000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46323	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The FederaXXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRIDGECREST bal. {$15000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90026	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRIDGECREST & {$16000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
12/28/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46323	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRIDGECREST bal. {$11000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
08/02/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30228	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRIDGECREST bal. {$4300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/30/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46323	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRIDGECREST bal. {$15000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
09/29/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRIDGECREST bal. {$3900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
06/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31907	Web
My down payment on my car payment contract was fraudulently listed as credit applied to my loan financed with the credit lending company Bridgecrest. This ordinance is in violation by 15 USC 1605 I sent Bridgecrest a Deb validation and cease and desist letter on XX/XX/2022 with 30 days to provide documentation that I owe allege debt. Bridgecrest has violated my cease and desist. Bridgecrest has yet to provide a sufficient response and presented me with insufficient information/documents to prove the alleged debt belongs to me and report false and fraudulent information in an attempt to compromise my financial reputation, cause emotional distress, defamation of character and other unseen injuries. Bridgecrest has committed numerous violations of my consumer rights including but not limited to 15 USC 1692b ( 2 ), 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), 15 USC 1692f and many more I demanded that Bridgecrest send me the following information to prove that the alleged debt was mine : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged account #, ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was the debt assigned to a debt collector, ( 9 ) Amount paid of debt purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA Section 623 ( 7 ) ( A ). ( 13 ) forensic account audit of said acct I allegedly owe. Bridgecrest responded with a fraudulent contract that they alleged I signed but it did not have my wet ink signature on it. Presenting me with this fraudulent contract has been construed as them attempting to not only hide evidence but commit fraud against me in an attempt to pay an alleged debt they can not prove is mine. Bridgecrest presented me with a fraudulent contract as their proof of the alleged debt, that did not fully disclose all accurate and truthful information in the loan contract. Bridgecrest gave a response that was not sufficient as they did not provide all the information requested above. They are unable to produce an original contract with my wet ink signature because they do not have one and can not prove that I initiated this consumer credit transaction. Bridgecrest attempts to collect payment are a violation of federal law, and the contract stating payments on the loan is deceptive as well as null and void. Bridgecrest stole my vehicle as an attempt coerce me into paying an alleged debt that does belong to me nor do I owe. Which is in violation of 15 USC 1692f Unfair practices. Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if they do not have the right to there is no present right to possession of the property claimed as collateral through an enforceable security interest. Bridgecrest has continued to violate 15 USC 1681 ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 10 ) and by claiming I owe an alleged debt and by falsely and fraudulently reporting information they know is not true to consumer reporting agencies in an attempt to use unfair and deceptive means to make me pay an alleged debt I do not owe and they can not prove I owe and by doing so without my written permission to do so. Also they have an amount on the consumer report which is in violation of 15 USC 6809 ( 4 ) ( A ) nonpublic personal information. I demanded in writing that Bridgecrest stop reporting this false, fraudulent information and alleged debt to consumer reporting agencies and furnishing my report with this false, frivolous and fraudulent information. Bridgecrest continues to report to consumer reporting agencies, without my consent, that I owe an alleged debt however that alleged debt is being reported in a positive balance. It is impossible to pay/owe on a positive balance, if it was an actual debt and is owed it should be shown in the negative. The promissory note that I signed to get the loan is actually a credit instrument that was used in order to grant bookkeeping entry into the loan account which is equivalent to money. The alleged debt was already paid for with the signing, delivery, acceptance, and deposit of the promissory note. The moment I signed its blank indorsement and Bridgecrest took and made it a special indorsement according to UCC 3-205. Pay to the order of and its then negotiated for face value or close to it. This alleged debt is not an actual debt. The United States government created a bond ( which is my birth certificate ) with which negotiable instruments may be issued. My bond and social security number provided the security interest for the consumer credit transaction. Security which covers all obligations or alleged obligations which is that of the United States government pursuant to 18 USC 8. My account is associated with an open ended consumer credit plan and Bridgecrest has failed to balance out my account every month to rectify their bank error caused by their mismanagement of payment. Bridgecrest has yet to produce an Insurance audit trail, a money audit trail in accordance with GAAP, or full disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 which I demanded. Pursuant to 31 USC 3718 Bridgecrest has to have a contract with the Treasury in order to even collect an alleged debt which Bridgecrest does not have.
02/01/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30318	Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. To Whom It May Concern : I am exercising my right to rescind this transaction under 15 U.S. Code 1635 ( a ) ( b ) ( f ) - Right of rescission as to certain transactions. Account : Bridgecrest Credit Company LLC XXXX ( a ) DISCLOSURE OF OBLIGORS RIGHT TO RESCIND Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. ( f ) TIME LIMIT FOR EXERCISE OF RIGHT An obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the sale of the property, whichever occurs first, notwithstanding the fact that the information and forms required under this section or any other disclosures required under this part have not been delivered to the obligor, except that if ( 1 ) any agency empowered to enforce the provisions of this subchapter institutes a proceeding to enforce the provisions of this section within three years after the date of consummation of the transaction, ( 2 ) such agency finds a violation of this section, and ( 3 ) the obligors right to rescind is based in whole or in part on any matter involved in such proceeding, then the obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the earlier sale of the property, or upon the expiration of one year following the conclusion of the proceeding, or any judicial review or period for judicial review thereof, whichever is later. Bridgecrest/XXXX failed to disclose my right to rescind the transaction and could face legal penalties. As a consumer I have 3 business days from the consummation of the transaction to rescind my right to the retail installment contract. The disclosure forms notifying me of my right to rescind were never disclosed or received. My right to rescind was not disclosed to me within 3 business days from the consummation of the transaction so the time to exercise my right to recission has converted to 3 years from the consummation of the transaction. Failure to disclose my right to rescind is a direct violation of the Truth and Lending Act. Due to not disclosing my right of recission from the consummation of the transaction, by law the retail installment contract is now NULL AND VOID! Pursuant to 15 U.S. Code 1692h - Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. All payments must be returned to the consumer ( ME ) according to statue above. Failure to respond satisfactory to the inquiry of the above account, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX
11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NM 875XX	Web	Servicemember
Over a year ago I attempted to purchase a XXXX XXXX XXXX from XXXX. For over a year I had incredible difficulty completing the simple task of registering the car. Occasionally XXXX would provide temporary tags, but usually the vehicle remained unregistered. Although at XXXX time it did have XXXX different temporary tags issued by two different states, Arizona and Tennessee. XXXX also had me obtain XXXX vehicle VIN inspections at my cost. A cost that actually exceeded the approximate XXXX cost of the inspection. Obtaining one of the inspections forced me to miss two weeks of lucrative work. XXXX demanded I return to New Mexico to obtain the third VIN inspection. I reluctantly agreed but was desperate at this point to get the vehicle registered and be rid of XXXX 's awful work. I was promised this iteration would fix any registration issues and my vehicle would be plated, but that the VIN inspection was required by state law and that if I refused, I would be seen as uncooperative by XXXX and therefore in breach of my contract. These were lies. I did obtain the VIN inspection. No registration ever materialized. I then made two requests for the title to be transferred temporarily to a third-party registration company to facilitate the registration. XXXX lied and said this was illegal. After some research into state registration law in New Mexico, I found that this was a lie and demanded that XXXX and Bridgecrest move the title as legally required. They agreed but told me I would have to wait until XX/XX/XXXX since they are allowed 90 days to comply. I waited 100 days, the title never materialized to allow registration. I called XXXX and Bridgecrest to find out why the title was not sent to my chosen registration company. It was then finally disclosed to me by a tearful XXXX employee named XXXX, I believe, that there was in fact no title to my car at all. There had always been an issue with obtaining a " perfected title '' and XXXX was aware of this the entire time and all the run around was a result of this and attempts for XXXX to cover this fact. She even said that really the only way to correct this was to roll the loan back at that point. I agreed. We agreed. But then, the next day I received an automated call from XXXX at XXXX telling me that if I did not submit documentation, my temporary tags were in danger of expiring. I contacted XXXX and began discussions again. This loop of restarting the process seems to be XXXX 's go to method to prevent cancelling fraudulent contracts. XXXX continued stonewalling me at their customer service level. To speak to any employee with power to negotiate I was told to submit a letter of representation declaring myself as XXXX XXXX representation in this matter. I submitted these letters of representation twice to the addresses provided by XXXX and Bridgecrest. I have never been contacted by XXXX or Bridgecrest legal personnel. If I call and try to speak to a legal or treasury team member with the authority to make decisions, I am told to submit a letter of representation to obtain the right to speak to one of the coveted XXXX lawyers. In all actuality I expect the XXXX legal team is extremely busy at this time and will be tied up for a long time. Additionally, I was almost never provided temporary tags on the vehicle. I was forced XXXX XXXX illegally or not use the vehicle. I had a loan with Bridgecrest for a vehicle purchase through XXXX. I paid as agreed on this vehicle until it was found that XXXX was actually trying to sell a car they did not own. XXXX tried desperately and fraudulently to cover this fact for over a year. My loan is part of a greater systemic issue at XXXX. XXXX executives have been criminally charged for violating state registration and title laws. Their license to operate in many states had already been revoked. Their fraudulent business practices have them subject to many investigations and several class action lawsuits related to the very same type of fraud perpetrated in my case. Anyway, the main problem I am having is that while I am trying to forget about the fraud perpetrated on me by XXXX and Bridgecrest, I have attempted to obtain housing and been denied solely because of this fraudulent loan still being incorrectly reported on my credit report. I have attempted to submit disputes with the major credit reporting agencies, but I am given XXXX characters and then I wait to find that the credit agencies " update '' the information. I have no idea what supporting documentation could possibly be being provided to the credit agencies, because no company of sound mind believes there is anything valid about my loan. The real issue is that XXXX and Bridgecrest are in dire financial condition due to their corrupt and fraudulent business practices. They seem to be attempting to temporarily hold their companies up financially by refusing to correct fraudulent loan information. Likely because cancelling fraudulent loans and XXXX 's and Bridgecrests ' improperly close relationship are going to lead to the collapse of both companies. XXXX, Bridgecrest and the credit reporting agencies that allow them to continue this fraud should be investigated. I would be happy if I could just obtain housing without a fraudulent car loan from a corrupt company keeping me and my kids homeless.
12/21/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NM 87144	Web	Older American
My car was repossessed because I forgot to make the payments. I have XXXX in my brain and have been affected for about the last year only it has gotten worse the last 6 months or so. I called my son XXXX XXXX, who is an authorized person on my auto loan, to help me figure it out. I went to my bank and still had the money in the bank for the car payments. My sons and daughter helped me raise the remaining. My son paid {$1400.00} to get my car back on his credit card and I gave him the money I had. We were about to get the car back but the repo company named XXXXXXXX XXXX XXXX would not allow me to pick it up and requested a third party ( my son ) for the car to be released to instead of me because of the altercation I had with the repo man when they picked my car up. That morning, while I was still sleeping, my wife woke me up and told me that someone was stealing my car so I got my handgun and proceeded outside to protect my property. Once I realized it was the repo man I put the gun away and was confused because I was convinced that I had made the payments. My son agreed to pick up the vehicle for me but the repo company and the bank made it very tedious for my son the pick up the vehicle after they'd told him that once the payment was made, it would take approximately 2 hours to get the car back. The next day after the payment was already made, my son went to the tow yard ( XXXXXXXX XXXX XXXXXXXX ), to retrieve my vehicle but was already stressed and agitated with both companies because he perceived them as taking advantage of me. When he encountered the men at the towing company, there was a verbal confrontation between my son and the managers. Words were exchanged, and a fight almost happened but my son left the property to cool down and came back to apologize to the company with the help of the Sheriff 's Department and he shook hands and made up with the repo company and they all forgave each other. The Sheriff 's were no longer needed and the repo company was then willing to release the vehicle to my son, but since they had already contacted the bank ( Bridgecrest ), the Bank told my son on the phone that they decided that based on the two emotional experiences, they would be keeping the car and refunding the {$1400.00}. My son then pleaded with the bank and also explained to them that this incident was caused by his own stress and that I was not at fault. My son lost his cool and that cost me my car? We already paid the money and my son agreed to help me set up automatic payments and to also pay off the car early so that I won't get behind again. I have been paying this car for 4 1/2 years and only have 1 year left. I need this car for my wife to drive me to and from my medical appointments as I am a XXXX senior citizen. Please help me to work something out with Bridgecrest as the confrontation was not my fault and my son has already admitted he was wrong and amends with the repo company and tow yard have already been made. I sincerely apologize for all of the stress this has caused. My other son and his wife who is a XXXX will be helping me to get home healthcare soon but I live in a semi remote location and do not have transportation. My wife and I also take care of XXXX young children. I do have a steady fixed income but do not know much about bank stuff. My son 's and daughters have now realized the severity of my medical problem in regards to my memory and are all kicking in to help me manage my bills. I did not fail to pay because of excessive spending but only because I believed I was paying the car. Please Help me to work with Bridgecrest. I asked Bridegecrest how much I have paid for the car in the last 4 1/2 years and the amount was close to {$27000.00} for a {$17000.00} vehicle. My son spoke with Bridgecrest and even offered to pay off my vehicle in full but bridgecrest declined. I now believe that since Bridgecrest has already made so much money off of me, that it is more financially beneficial for them to keep and sell the car to a second person at 21 % interest. I have the means and can meet any requirement of me for the car to be returned to me. As it turns out, my son has a friend that works at the tow yard who wishes to remain anonymous, and he states that a member of management offered to buy the car from Bridgecrest for a reduced price, for one of their family members and that's why Bridgcrest is declining to give me my car back. I do understand that I was 4 months behind when the car was repossessed but I have paid back 3 of those payments and am willing to be put on automatic payments, a vehicle immobilizer, and/or to pay the car loan off in full. The original company that I dealt with was XXXX XXXX and as now called Bridgecrest. Yes I got behind, and yes my credit isn't great but I did not know how to check my credit until my son, who works for the Federal Government, discovered fraud on my credit report that will be disputed and removed from my credit report. Please Help me as I do not want to lose {$27000.00} for a car that will be paid off soon as a punishment for my son 's behavior. Please excuse him as well as he is a XXXX XXXX XXXX XXXX veteran and is dealing with a great deal of stress and is being treated for XXXX.
01/08/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AZ XXXXX	Web
Bridgecrest/XXXX repeatedly violated our payment agreement and misrepresented the Truth in Lending Disclosures in our signed contract to furnish an amount lower owed than what actually would be paid in full by the end of our agreement. In XXXX XXXX XXXX our vehicle was repossessed in the midst of the XXXX outbreak. We were so confused as to how we had allowed this to happen and believed it was our fault. Due to this repossession newly reporting on our credit files, we lost our ability to rent, we lost our only form of transportation as a working family of six, we loss our ability to take out loans, buy a home, finance another vehicle, or keep up with the added cost and loss opportunities as a result of the repossession. XXXX, after a year and some months of trying to afford to build and repair the damage caused to our credit score by the repossession, we learn that Bridgecrest/XXXX failed to provide us with a complete and signed copy of the above mentioned contract during the entire length of our agreement. I reached out to them to obtain a copy to further investigate the accuracy of the amount being reported as owed to the credit reporting agencies. I was extremely distressed to learn that Bridgecrest/XXXX had intentionally or neglectfully misrepresented multiple aspects in regards to our signed agreement beginning with the Truth in Lending Disclosures amounts. Bridgecrest/XXXX misrepresented our simple interest 62 month term agreement by formulating the Finance Charge amount, Annual Percentage Rate and the Total of Payments based on 3 year simple interest terms rather than 62 months. This furnished a lower amount on the signed contract than what we would actually be paying in interest over the course of 62 months. After calculating the simple interest loan over 62 months we were making more than double the amount in interest payments each month and less towards the principle amount than what our agreement portrays we would pay. During this transaction, Bridgecrest/XXXX failed to disclose to us our credit score and failed to disclose the determining factors in the interest rate, so that we could make an informed decision and shop around. The " Notice to Vehicle Credit Applicant '' under the California 's Car Buyer 's Bill of Rights. Which led us to understand that we could only go with their high interest offer. Bridgecrest/XXXXXXXX also violated our agreed payment terms by misrepresenting future scheduled payment due dates and altering/duplicating transaction dates resulting in multiple account inaccuracies, unwarranted late fees and added interest being accumulated between payment dates. This tactic is used so when you make a payment, the payment portal and monthly statement reflect a next due date that is scheduled later than it should be, resulting in the customer unknowingly missing a payment or making a payment late. When the " error '' is corrected, late fees and interest cost have already been added to the customers account and no one informs or acknowledges the transaction alterations and the account just appears to have fallen behind. This results in the accrued late fees, interest and ultimately larger payments being made by the customer in an effort to " catch up ''. Bridgecrest/XXXX repeatedly used our payments to over pay the interest and under paid the principal balance. Bridgecrest/XXXX altered financial records in regards to transaction events, amounts paid, dates paid and backdating documents. Furthermore, Bridgecrest/XXXX used a computed generated signature to forge our signatures onto additional contract documents a day after the original agreement was signed, without us present and without our knowledge or informed consent. Bridgecrest/XXXX added unwanted options and accessories to the Agreement and failed to disclose in a clear and conspicuous location on the Purchase Agreement that these additions were optional. Bridgecrest/XXXX provided personal and private financial documents to non-affiliated third parities via mail. Bridgecrest/XXXX provided us with copies of financial records that are inconsistent and inadequate, resulting in inaccurate amounts being calculated and claimed as owed. Bridgecrest/XXXX 's actions resulted in inaccurate reporting in our transaction history and credit reports. Bridgecrest/XXXX continues to report ongoing monthly delinquencies to manipulate the statute of limitations under the Fair Credit Reporting Act so that their negative reporting remains on our consumer files longer. Furthermore, Bridgecrest/XXXX 's actions resulted in deferral requests, added financial cost, bounced payments and ultimately the wrongful repossession of our only vehicle. These action directly resulted in our family 's distress and financial harm with cost and loss opportunity and has harmed our reputation and livelihood. We strongly believe we are not the only ones who have fallen victim to these type of practices by companies such as Bridgecrest/XXXX who prey on unknowing and desperate lower credit individuals, who trust these companies when making such large purchases and trust that they will not be defrauded. We are devastated and are determined to ensure that Bridgecrest/XXXX is held accountable.
12/13/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	OH 43147	Web
I am experiencing a very high level of racketeering activity with BRIDGECREST and its affiliates. RICO Act of 1970 ; 18 usc 241 and 18 usc 242. A very serious offense linked to very serious penalties. There is no statue of limitations on the discovery of fraud. My car contract was fraud the same day that I signed on the line with XXXX therefore it was void. The new contract that I was forced into under threat and coercion with BRIDGECREST is also fraud as you are profiting directly from securities and bonds under my person and XXXX XXXX XXXX trust and failed to disclose this information to me as the beneficiary. XXXX fraud holds heavy federal penalties. I have yet to benefit from ANY transactions with BRIDGECREST. In fact it has been the complete opposite. I originally purchased my vehicle XXXX XXXX XXXX with XXXX Car Sales Company on XX/XX/XXXX located at XXXX XXXX XXXX XXXX Ohio XXXX. After carefully reviewing my contract after my racketeering suspicions I discovered that the employee/representative of XXXX falsified my income and documented that I made {$2100.00} weekly. Accepted by XXXX XXXX XXXX signed on the Sales Advisor signature line as well as the Sales XXXX signature line. This is who forged my weekly income. False and misleading Information 18 usc 1038 and falsifying documents. 49 CFR 1570.5 fraud and intentionally falsification of records. Intent to defraud me. BILLING ERROR Alleged accounting are as followed from the contract : Selling price {$13000.00}, XXXX XXXX XXXX {$59.00}, XXXX XXXX XXXX XXXX {$15.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$20.00}, XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX XXXX {$3500.00}, XXXX XXXX XXXX {$1000.00}, XXXX ( XXXX ) plus XXXX Warranty {$690.00}, Sales Tax {$1100.00}. I didn't even know I had this coverage as it was never clearly disclosed to me whether XXXX was mandatory or voluntary. Violation of XXXX. Subtotal {$20000.00}. XXXX XXXX {$20000.00}. Annual Percentage rate ( The cost 19.017 % XXXX charge {$13000.00}. Pursuant the XXXX charge is the SUM of ALL charges 12 CFR 1026.4. My XXXX XXXX dated XX/XX/XXXX states that my vehicle price was {$13000.00} and tax {$940.00}. As you can see this number is nowhere in the contract that I originally signed. According to a BRIDGECREST rep that I spoke to on XX/XX/XXXX I have paid a total of {$12000.00} and they are alleging that I still owe {$14000.00} for my vehicle. {$12000.00} + $ XXXX {$27000.00}. My XXXX consumer report states my balance owed is {$15000.00} with a current charge off status. Remarks read " Redeemed or reinstated repossession, Charged off Account. My XXXX consumer report states that the account was charged off as bad debt with remarks ; XXXX ; redeemed in the amount of {$14000.00} with a high balance of {$20000.00}. Account status XXXX. Closed XXXX XXXX. Nothing adds up. Very sloppy accounting. My XXXX consumer report states my balance owed is {$15000.00} with a current charge off status. Remarks read " Redeemed or reinstated XXXX, Charged off Account. My XXXX consumer report states that the account was charged off as bad debt with remarks ; XXXX ; redeemed in the amount of {$14000.00} with a high balance of {$20000.00}. Account status XXXX. Closed XXXX XXXX. Nothing adds up. Very sloppy accounting. XXXX XXXX XXXX. The original contract is called a Bill of Sell. It has security interest on it. So where are the securities and how much has your corporation ( XXXX ) benefited from? How long have you and will you benefit from these securities on my behalf? BRIDGECREST the. furnished XXXX XXXX with my personal and private information. My vehicle was repossessed both times from XXXX different locations that I never disclosed to XXXX or BRIDGECREST. My vehicle was also damaged each times during the act of the repossession. This second time I called in mmediately to XXXX XXXX because the first noticeable damage was my rear passenger tire. I have made several attempts to seek compensation for damages and I am being ignored by both BRIDGECREST and XXXX XXXX. I even submitted an Affidavit of Truth with XXXX witnesses. XXXX I which has first hand knowledge of my vehicle condition pre and post repossession. My affidavit. has been unrebutted. An unrebutted Affidavit stands truth in commerce. Upon picking up my vehicle I realized the XXXX XXXX 's business name was nowhere on the building. It was a totally different company building. They are not doing business under their name at this lot as law requires. XXXX. All XXXX corporations coerced against me and my personal property to commit fraud and have caused me much injury and harm. 15 usc 1602 L says a credit card is ANY card, plate, coupon book, or any other credit device existing for the purpose of obtaining money, property or services on credit. I furnished an application, a contract and my driver 's license AND my social security number at the time of my initial transaction. It was then sold to BRIDGECREST as an alleged lein holder. Where are the securities and what are their values???
12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29483	Web
Bridgecrest is not responding to investigation in accordance with the reason I am issuing complaint. I am not disputing any inaccuracies or any account information but specifically that Bridgecrest is not in compliance with the FCRA 15 USC CODE 1681a ( 2 ) ( I ) FCRA 15 USC 6802 and The GRAMM-LEACH-BLILEY ACT under the FTC. Bridgecrest has knowingly and willfully reported experiences and transactions associated with my account such as payment history, account length, total balances, late payments, and account numbers thats excluded from a consumers report. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am the consumer and Bridgecrest is the reporting person who is furnishing the information from my account. This act is clearly a violation of federal law. Under the FTC the GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), Pub. L. No. 11494, 129 Stat. 1787, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. Under the Dodd-Frank Act, this rulemaking authority transferred to the Bureau of Consumer Financial Protection ( except with respect to certain motor vehicle dealers ), but the FTC continues to have enforcement authority. Subtitle A also requires the FTC and other agencies to issue regulations for the safeguarding of personal financial information ; this authority did not transfer. The Act also limits the sharing of account number information for marketing purposes. Bridgecrest is knowingly and Willfully refusing to acknowledge the fact they did not explain their information sharing practices given me the option to opt out of their non disclosure policy before signing of any agreement. Bridgecrest Knowingly and Willingly did not protect the privacy of the consumer ( me ) personal financial information. Bridgecrest knowingly and Willingly withheld pertinent information regarding the FCRA 15 USC 6802 and the GRAMM-LEACH-BLILIEY ACT from their consumers intentionally reporting information to nonafiliated third parties. The law states : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Attorneys fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. Bridgecrest refusal to comply with the law has cause me to be denied another automobile, denied credit, denied mortgage loan and has caused emotional distress. I am not asking for payment history, contracts, or validation of my account but to have my nonpublic personal financial information deleted from non affiliated third parties XXXX, XXXX and XXXX.
09/10/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 76543	Web	Servicemember
I, XXXX XXXX, am a consumer defined as " any natural person obligated or allegedly obligated to pay any debt '', pursuant to 15 USC 1692a ( 3 ). I, XXXX XXXX, entered into a Retail Installment Contract with XXXX XXXX XXXX XXXX XXXX, Bridgecrest Acceptance Corporation, and XXXX XXXX on XX/XX/XXXX for the sale of my XXXX XXXX XXXX. On XX/XX/XXXX at around XXXX, I was startled out of my sleep by the sound of a tow truck parked in front of my vehicle with orange flashing lights. Unfortunately at this time, I was underdressed and had to rush to my vehicle. As I approached my vehicle there was an unknown white male leaning over my front windshield, checking the VIN, in an attempt to illegally repossess and steal my XXXX XXXX XXXX. The unknown repo agent approached me after I entered my vehicle stating verbatim, We have been notified by your lender that this vehicle is in a repossession status. I then responded, informing him that my vehicle is not in a repossession status. He then states Yes it is and I have the documents to show. This unidentified repo agent failed to provide his name or the documents he allegedly had relating to the unlawful repossession. I protested and objected to the repo by stating I was not notified of a repo status and you may not take my vehicle. The unknown repo agent, short, white male, became extremely aggressive, which was an immediate breach of peace and also threatened to call the cops on me in an attempt to receive assistance with the repossession without a proper warrant or even a court order. The repo agent tried to block me from being able to drive away, yelling and threatening me stating " You better not hit my truck or else ''. These actions were likely to incite public turbulence and lead to an immediate loss of public order and tranquility. ( XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX. XXXX ). ) I feared for my life and was prepared to act in self-defense if necessary. This is a result of BRIDGECREST ACCEPTANCE CORPORATION failing to adequately notify me of any changes made to my account and/or mailing me a letter of Notice of Default and Right to Cure or any other document that allows me the right to cure and prevent a repossession. On XXXX XXXX I received an email from XXXX XXXX stating there were changes made to my BRIDGECREST ACCEPTANCE CORPORATION account, which reflected that my account was updated to a Charge- Off Status. BRIDGECREST ACCEPTANCE CORPORATION took adverse action against me after exercising my consumer rights and sending a Notice to Cease and Desist and Debt Validation letter certified mail dated XX/XX/XXXX. After receiving this update from XXXX XXXX, I mailed in a second Cease and Desist letter dated XXXX XXXX, demanding a XXXX form, amount of debt cancellation, and date of cancellation, along with other documents related to my consumer account. On XX/XX/XXXX BRIDGECREST ACCEPTANCE CORPORATION responded to my letter and failed to provide me any and all documents demanded in my Cease and Desist letters and also sent me back my Cease and Desist letter dated XXXX XXXX. BRIDGECREST ACCEPTANCE CORPORATION violated 15 USC 6802 ( a ) which states that Except as otherwise provided in the subchapter, a financial institution may not, directly through any affiiiate, disclose to a non affiliated third party and nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. In my original financing statement XXXX XXXX XXXX XXXX and BRIDGECREST ACCEPTANCE CORPORATION never told me in the even of a default of my car note that XXXX XXXX company would come repossess my vehicle. How did this repo agent know where my vehicle was currently located ( Georgia ) since I was not at my dwelling at the time which is located in XXXX, Texas? BRIDGECREST ACCEPTANCE CORPORATION also failed to provide me the option to opt-out of any information being shared with a non affiliated third-party ( Tow Company ) pursuant to 15 USC 6802 ( b ). I, XXXX XXXX, have been adversely affected by complete willful negligence, willful noncompliance, abusive debt collection practices, use of profane language, fear that my life was in danger, anxiety and extreme mental anguish worrying if my personal property will be stolen and the fact that numerous consumer rights have been violated since I entered into this consumer credit transactin, along with violations of the Truth in Lending Act. Despite my numerous attempts to verify the validation of this alleged debt, BRIDGECREST ACCEPTANCE CORPORATION took adverse action by closing my account without adequate notice, updating my consumer credit account to a Charge-off status without first notifying me, and removed online access to my account XX/XX/XXXX, which disabled me from being able to remedy this situation.
02/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AZ 85044	Web
Re : Request for Discharge of Obligation and Penalty for Violation of the Arizona Consumer Loan Act Dear Sir/Madam, I am writing to bring to your attention the violation of the Arizona Consumer Loan Act ( A.R.S. 6-601 et seq. ) in relation to the auto loan agreement I entered into with your dealership on XX/XX/2023. Pursuant to the provisions of the Arizona Consumer Loan Act, I am entitled to a right of rescission within three business days of the contract signing. However, your dealership failed to provide me with written notice of my right to rescind the loan, which constitutes a violation of the provisions of the act. I respectfully request that you discharge my obligation under the auto loan agreement and impose a penalty for the violation of the Arizona Consumer Loan Act. The act provides that if written notice of the right of rescission is not provided to the consumer, the obligation of the consumer under the agreement is null and void, and the consumer is entitled to receive a penalty for the violation of the act. Pursuant to the Arizona Consumer Loan Act ( A.R.S. 6-601 et seq. ), the right of rescission for auto loans in XXXX, Arizona, is governed by the act. Under the act, a consumer has the right to rescind a consumer loan, including an auto loan, within three business days from the date the loan agreement is executed. The right of rescission allows the consumer to cancel the loan and return the borrowed funds without any penalty or obligation. The lender is obligated to provide the consumer with written notice of the right of rescission, which must be given either at the time the loan agreement is executed or by mail within one business day after the loan agreement is executed. The notice must include a statement of the consumer 's right to cancel the loan and the date by which the rescission must be exercised. The right of rescission may not be waived by the consumer, and the lender is prohibited from requiring the consumer to waive this right. I hope that this matter can be resolved promptly and without the need for legal action. However, if the situation is not resolved to my satisfaction, I will be forced to seek legal remedy and compensation for any damages incurred as a result of the violation of the Arizona Consumer Loan Act. Official interpretation of 23 ( b ) ( 1 ) Notice of Right To Rescind 1. Who receives notice. Each consumer entitled to rescind must be given two copies of the rescission notice and the material disclosures. In a transaction involving joint owners, both of whom are entitled to rescind, both must receive the notice of the right to rescind and disclosures. For example, if both spouses are entitled to rescind a transaction, each must receive two copies of the rescission notice ( one copy to each if the notice is provided in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ) and one copy of the disclosures. 2. Format. The notice must be on a separate piece of paper, but may appear with other information such as the itemization of the amount financed. The material must be clear and conspicuous, but no minimum type size or other technical requirements are imposed. The notices in appendix H provide models that creditors may use in giving the notice. 3. Content. The notice must include all of the information outlined in Section 1026.23 ( b ) ( 1 ) ( i ) through ( v ). The requirement in 1026.23 ( b ) that the transaction be identified may be met by providing the date of the transaction. The creditor may provide a separate form that the consumer may use to exercise the right of rescission, or that form may be combined with the other rescission disclosures, as illustrated in appendix H. The notice may include additional information related to the required information, such as : i. A description of the property subject to the security interest. ii. A statement that joint owners may have the right to rescind and that a rescission by one is effective for all. iii. The name and address of an agent of the creditor to receive notice of rescission. 4. Time of providing notice. The notice required by XXXX ( b ) need not be given before consummation of the transaction. The creditor may deliver the notice after the transaction is consummated, but the rescission period will not begin to run until the notice is given. For example, if the creditor provides the notice on XX/XX/XXXX, but disclosures were given and the transaction was consummated on XX/XX/XXXX, the 3-business day rescission period will run from XX/XX/XXXX. 2 ) Proper form of notice. To satisfy the disclosure requirements of paragraph ( b ) ( 1 ) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice.
03/16/2022	No	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	PA 19143	Web	Servicemember
It is on this date, XX/XX/XXXX, that I, XXXX, XXXX, XXXX who is a natural living being exercise my right to rescission. Upon reviewing my contract, obligations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 15 USC 1601 named Truth in Lending. Per the congressional findings of TILA, It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit During the consummation of this contract, XXXX DID NOT DISCLOSE MY RIGHT TO RESCIND OR PROVIDED ME WITH A NOTICE. It is appropriate for me to assume that XXXX XXXX at XXXX intentionally withheld pertinent information to complete the sale. Thus, being the case, pursuant 15 USC 1635 I have the right to rescind my obligation and renege my initial consent to pursue the previous terms. It is clear you are not trustworthy and have predatorily conducted business in commerce. This title subchapter under 15 USC 1662 may be sited as the Truth and Lending Act that specified down payments should not be required or advertised to aid, promote, or assist or be connected directly or indirectly any extension of consumer credit. During the consummation of this contract, XXXX violated this law by advertising to me that I needed to make a down payment and not stating that my social security number was my consumer credit transaction. Per Effective, XX/XX/XXXX I am no longer responsible for any security interest, finance charge, or fees associated with this contract. I conclude this letter with a demand for you to cease and desist any collection of my initial down payment since you failed to mention that This title subchapter under 15 USC 1605 may be sited as the Truth and Lending Act that my finance charge was all I needed to complete the deal and that the CASH PAYMENT was only of benefit to you. I also noticed that upon pulling my consumer report dated XX/XX/XXXX that your company Bridgecrest has been furnishing my information in various ways. If you havent been made aware, there are various laws in place to protect me as a consumer and to construct this business transaction. As a reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direction, please refer to Title 15 USC 1666b. I would also like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date I have not granted you to furnish anything regarding my consumer report. Due to the negligence and unfair misconduct of XXXX and your company Bridgecrest you must cease and desist the repossession of the XXXX XXXX XXXX immediately and any repossession of the car would be a violation under Title 15 USC 1692f ( 6 ) ( A ) and its subchapters which states that you are in violation if you attempt or threat to take any nonjudicial action to effect dispossession or disablement of my property which was an extension of my credit to you. Also I urge you to immediately cease and desist any enforcement of any tow truck company from locating my vehicle Failure to cease and desist the repossession of my vehicle and releasing any addresses, or locations related to me without my consent will be in violation of Title USC 1692b which states that you can not state I as a consumer owe any debt in attempt for them to repossess my vehicle. I also havent granted you consent to release any information regarding any of my consumer reports to any third parties and doing so will be in violation of my rights under Title 15 USC code 1692c and its subchapters. Your apparent deception and constant neglect to properly carry out your job has violated Fair Crediting Reporting Act and is costing me by ruining my reputation on my consumer report, defamation of my character, has made me lose important deals because of high interest rates that I would incur, intimidation due to fear that my car would be repossessed unfairly which caused me to miss work, mental anguish. Remedies should include but not limited to : The below accounts should be deleted and marked ON TIME XXXX Account # XXXX Under Title 15 USC 1640 ( a ) Civil Liabilit, since XXXX failed to comply to laws and I as the consumer sustained damages : Bridgecrest must turn over the Title, registration of the XXXX XXXX XXXX vehicle, Refund any payment made and {$10.00} should be made payable to me the consumer Remit all payments to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Kindly XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
09/06/2018	No	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	OH 45420	Web
To Whom It May Concern : I am reaching out in the hope that you can assist me as I have been a victim of Fraud. On XX/XX/XXXX, I took possession of a XXXX white XXXX XXXX through XXXX, who advertised no fuss, and no pick up. Shopping online and having a vehicle dropped off at my door step was a large appeal as I am a busy working professional. XXXX used Bridgecrest a sub prime lender for the loan and there was no down payment, ( an added perk. ) When I took possession of the vehicle I was assured that it had been through XXXX point inspection, and educated about warranties and the like. I was given temporary tags and temporary registration that expired on XX/XX/XXXX. About 2 weeks into having the vehicle, I noticed a clicking noise when I happened to be driving with the windows down through a Sub division enjoying the weather. I was concerned and took the vehicle to the the mechanic that XXXX required which was a XXXX. They advised a screw in one of the tires, that was in at an odd angle so the tire kept air in it but there was a screw in it, and also advised cv joint damage which was disconcerting as I had not had the vehicle very long or driven it very frequently or outside of city limits, and this vehicle had allegedly undergone 100 point inspection. I contacted XXXX and Bridgecrest about these issues and this is where the real trouble began. When I contacted Bridgecrest they could not find me in their system, not even under my social security number. My loan came up under the name XXXX XXXX XXXX, and this XXXX lived in a completely different state. My name is XXXX XXXX XXXX and I live in Ohio. After discovering this I decided that I wanted to return the vehicle and do a completely new loan with the correct information this time. Bridgecrest would tell me to call XXXX and talk to them about it, and XXXX would tell me to call and talk to Bridgecrest. Myself and my partner XXXX both spoke with many representatives at both places and after many conversations ( because even though XXXX uses Bridgecrest as their lender, their communication is poor and put upon the client ) I was told by Bridgecrest 3 times that an " unwind '' would be done at the behest of XXXX and that after that I would be able to purchase a new vehicle with the registration done correctly this time and actually registered to me and in the actual state that I live in. I was told by XXXX twice that they would initiate an unwind, that it would take about 2 weeks to complete and that I would have no financial obligation. All of these conversations were recorded by these facilities though apparently what was actually written in the notes does not match what I was told multiple times. I asked that paperwork be mailed or emailed to me about this unwind and was advised that the paperwork would be with the driver of the tow truck when he picked it up. I was given a phone number to call and schedule for the pickup. I attempted to call and schedule a pick up and was told that the person who handled that was not in office and would later return my call. No one ever did return my call and then the tow truck showed up at my residence to get the vehicle on XX/XX/XXXX around midnight. I was only aware of it because I happened to be up, and he did not have any paperwork on him either. Let it be known that the temporary registration expired on XX/XX/XXXX and that I never received tags for this vehicle which makes sense when you take into account that it was registered to a different XXXX in a different state! I called XXXX the next day and was advised that they were not doing an unwind, that there were no notes indicating an unwind, and that I had would have full financial responsibility for this vehicle that I don't have, that is registered in the wrong name, that the temporary registration expired for, that I never received tags for. I called Bridgcrest who advised that XXXX would have to initiate the unwind and that since they were not, that the vehicle would be auctioned and that I would be financially responsible for the the outstanding balance on the loan. Please note that I never paid anything at all on this vehicle because I learned that the registration had the wrong identity attached to it, so I never paid a down payment and I never paid a monthly payment. My desire was to return the vehicle and start a new loan because I didn't want any looming concerns over incorrect identities being attached to my vehicle. I was blatantly lied to about what was happening and all of those conversations were recorded by those facilities. I am asking that you please help me resolve this matter. XXXX XXXX XXXX XXXX
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30132	Web
It has come to my attention that Bridgecrest received multiple payouts on my cancelled debt and still proceeded to collect funds from me. 15 U.S. Code 1605 ( a ) ( 5 ) explains that insurance is built into a loans finance charge to ensure lenders receive payment in the event an obligor defaults. Per your reporting to the consumer reporting agencies ( attached ), I defaulted in XX/XX/XXXX, you charged off the account in less than 120 days ( in XX/XX/XXXX ), which means insurance was collected. Reporting this account as a charge-off is tax fraud. When a creditor takes advantage of IRS rules allowing tax deductions for bad debts ; such actions render it inequitable to enforce debts after it has received the tax benefit of a charge-off. See, e.g., Discover Bank v. Shimer, 36 Misc. 3d 1214, ( N.Y. Dist.Ct. XXXX ), Amtrust Bank v. Fossett, 223 Ariz 438, 224 P3d 935 ( App XXXX ), or Franklin Management Corp.v. Nicholas, XXXX WL 893894 ( XXXX XX/XX/XXXX ). The IRS defines a charge off as gross or ordinary income, income is not reported on a consumer report. Why is this account still reporting on my consumer report? Furthermore, you are required to send me a copy of the cancelled debt form. When I realized I had not received this form, I contacted your offices ( in XX/XX/XXXX ) requesting it specifically. A representative interrogated me as to why I needed it, then emailed an interest statement within 72 hours. An interest statement is not a copy of Form 1099-C. This retail installment contract was assigned to Bridgecrest Acceptance Corporation from XXXX, XXXX. on XX/XX/XXXX. Even as a third-party lender, the Federal Trade Commission requires you to comply with the Gramm-Leech Baily Act. You disclosed nonpublic personal information about myself to nonaffiliated third parties, as early as XX/XX/XXXX per my consumer report. Why did you withhold the initial Privacy Policy and Practices notice? There were no " clear and conspicuous '' written notices describing your privacy policies sent to me in any form. I have all of my original documentation from XXXX XXXX, XXXX/Bridgecrest contract. I never received ( 1 ) Privacy OR Opt-Out notice from you or XXXX XXXX, XXXX. at the time of purchase nor shortly thereafter. We had a ( 2 ) year relationship, why didnt you deliver my annual Privacy Notice required throughout that timeframe? If I was provided the opportunity to opt-out I would have, but I was not given a choice. In summary -- The Federal Deposit Insurance Corporation ( FDIC ) requires closed-end retail loans to be charged-off once they are past due for 120 days or have ( 5 ) missed payments. This account was charged-off in 60 days per Bridgecrests reporting. Bankruptcy considerations do not apply to this account. TAX FRAUD per your reporting this account was charged-off in XX/XX/XXXX, yet you never sent me a copy of Form 1099-C. You reported this account as gross income to the IRS but continued reporting it as a charge-off to the consumer reporting agencies. If you reported this account as a charge-off to the consumer reporting agencies yet failed to file the required form with the IRS, this could likely result in penalties under IRC 6721 and 6722. From a consumer/previous customer standpoint, you will certainly be held accountable for intentionally reporting this inaccurate account for ( 2 ) years if Form 1099-C was not submitted. Once the account was charged-off, your loss was insulated through credit insurance built into the finance charge and you were paid out at the time of default. You received full payment of the remaining balance from me after you recouped your loss through the tax WRITE-OFF and INSURANCE. You failed to comply with the Gramm-Leech Baily Act ( 16 C.F.R. 313.4 ( a ), 313.5 ( a ) ( 1 ), and 313.10 ( a ) ( 1 ) ) I was not provided an initial Privacy notice, Opt-Out notice, or an annual notice throughout the duration of our business relationship. Just a reminder, under the GLBA, financial institutions can face civil fines of {$100000.00} per violation, and officers and directors can face personal liability for {$10000.00} civil fines ( also on a per-violation basis ). Moreover, this account continues to report on my consumer report. I am submitting this information to the IRS along with supporting documents. I am opening an investigation into the matter with the XXXX, CFPB, FTC, OCC, my state Attorney General & yours. You have exactly ( 10 ) calendar days to delete this account from my consumer report or I will seek every legal remedy available to file suit against Bridgecrest Acceptance Corporation.
03/30/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	DE 19802	Web
I XXXX XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX on XX/XX/XXXX. A consumer credit transaction which a finance charge was involved. 15 usc 1605 dinfines a finance charge as the sum of all charges in a consumer credit transaction. The finanace charge does not include cash but XXXX XXXX XXXX took cash. The Finance charge is suppose to include insurance but XXXX XXXX XXXX made me purchase insurance separately. XXXX sold my contract to Bridgecrest without my permission, who used unfair, abusive and deceptive debt collection practices. Now they have teamed up which continuously breaking the law15 usc 1611 Criminal liability for willful and knowing violation. In the reponse to my CFPB complaint number # XXXX, XXXX XXXX XXXX Agency Specialist stated that On XX/XX/XXXX that and I quote, " We advised that she will no longer be RECEIVING CALLS FROM BRIDGECREST FOR ANY REASON ''. XXXX XXXX went on to state in his response that, " On XX/XX/XXXX at XXXX days past due, we sent XXXX XXXX a validation of debt letter with copies of her Contract and account transaction history to her mailing address on file and email address listed on her complaint ''. why he would send it to the email on my complaint and not the email on file with Bridgecresst, I do not know unless he was trying to mislead me. Yet, he did contact me through mail and email which was never a problem or anything I did not tell him to do. According to 15 usc 1611 XXXX XXXX XXXX INTENT not to contact me on XX/XX/XXXX while burying my husband in XXXX while still in an active disbute with Bridgecrest where I had until XX/XX/XXXX to respond, was willful and knowing of this violation and is criminally liable. Especially, because I had no other correspondence to go by except the CFPB. I was discriminated and retailatied against for contacting the CFPB when on XX/XX/XXXX XXXX XXXX chose not to contact me by mail or email. I have begun to have XXXX attacks, I ca n't drive XXXX to make money to help my daughter prepare for XXXX school and help take care of myself and my grandchildren because of XXXX XXXX 's criminal liabiltiy. This has brought a hardship on my family. Now XXXX XXXX representing Bridgecrest and XXXX, has reported on my consumer reports, listing themselves as XXXXBridgecrest , a repossession. I don't even know who that is. These violations are in violation to 15 usc 1640 -Civil Liabiltiy according to section 1 any actual damage sustained by such person as a result of the failure and 2 ( A ) in the case of an individual action I am due twice the amount of the finace charge. According to usc code 1635 Right of rescission as to certain transactions, this was never pointed out to me. which is another violation of 15 usc code 1635. I extended credit to XXXX and they extended it back to me. I am the original creditor which I will prove in court if we can't come to a resolution because I am the original creditor, lender, executor, administator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX XXXX I am the natural person, the consumer in fact where transportation has been deemed to be estential, You are commiting crimes and I want it to cease and desist immediately against my Estate and to be compensated and made whole. Everything you are talking about XXXX XXXX was included in the original finance charge. I FOUND THE VIOLATIONS AND I TRIED TO INFORM YOU OF A DISPUTE, YET YOU ARE RESPONSIBLE TO ME FOR DOUBLE AMOUNT OF THE FINANCE CHARGES, DAMAGES, REPLACEMENT OF VEHICLE, ALL MY PAYMENTS I MADE RETURNED BACK TO AND THE DOWN PAYMENT. I will be contacting the FTC, OCC, the District, Supreme Court and especially the Almighty God. You sold my car because you said you could not contact me, Yet, you contacted me by mail to Notifiy me after you stole it, with a Notice of Dispostion and our Plan to sell Property ( NOI ). Then forced me to sign, under duress a repossession notice at the repo yard in order to get my property. You are commiting financial, civil and crimial acts according to 15 usc 1611, 15 usc 1605 and 15 usc 1640 and a bunch of other laws constantly and repeatedly XXXX XXXX, Bridgecrest and XXXX or XXXXBrigecrest, I confused with who you say you are. Anyway, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX even is I admitted to being the debtor, you went to far. I will send relevant documents to the XXXX XXXX XXXX XXXX and the other federal agencies because you are just going to far.
06/14/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MO 640XX	Web
On XX/XX/2021 I, XXXX XXXX XXXX XXXX engaged into a " consumer credit transaction '' with XXXX/ BridgeCrest Acceptance Corporation in which a " Finance Charge '' was involved " Amount Financed '' ( {$30000.00} ) and " Total Sale Price '' ( {$41000.00} ). Pursuant to ( 15 USC 1605 ) -Determination of finance charge-Finance charge defined- Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. XXXX/ BridgeCrest Acceptance Corporation also took individual action to demand an " Downpayment '' in the amount of {$1800.00}. Pursuant to ( 15 USC 1662 ) -Advertising of downpayments and installments- which states- No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified " downpayment '' is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. Pursuant to ( 15 USC 1635 ( b ) ) -Return of money or property following rescission- which states-When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. After thoroughly reviewing my contract I also noticed that XXXX/BridgeCrest Acceptance Corporation had included my " Right to Reject the arbitration agreement '' but failed to provided me with the appropriate form of written notice published and adopted by the Bureau ( CFPB ) for my " Right of Rescission ''. ( 15 USC 1635 ( a ) ) - ( a ) Disclosure of obligors " right to rescind '' which states- Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau , of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.
04/14/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WA 98052	Web
Bridgecrest is the auto lender and they are not even licensed to do business in my state. They repossessed my vehicle on XX/XX/XXXX to this date XX/XX/XXXX I have never received a single thing in mail stating my vehicle was repossessed or anything at all state I can reinstate loan absolutely nothing. It has already been sent to Auction and never received notice of that or when they intent to hold auction for my car not a single thing whatsoever from lender. I have updated my correct address with atleast 4-5 different people at Bridgecrest. Also the repossession company XXXXXXXX XXXX of XXXX there driver Stole over {$3000.00} worth of tools ( my deceased fathers ) and my XXXX laptop out of trunk of my car. He broke middle area of back seat to get into trunk. There is pictures he took of after he repossessed my car and back seat wasn't broke and nothing in back seat but a dog harness and some papers behind each seat and then when it showed up at Auction place and stuff was then present in back seat and seat was broken in the middle from being pried open and finally after a total nightmare of repo place trying to illegally charge me to get belongings I had to glass to two separate places to track my belongings down with no notice or help from lender at all and that's when I discovered Al my power tolls and hand tools stolen from my tool backpack and my laptop that was in my bag as well all in the trunk of my car were gone. The transporter and driver who repossessed my car said he never had access to inside my vehicle but I have text from him stating he collected belongings from inside car but could get into trunk which is a total lie and celery he is lying about being inside my car as well I have text proof also met with him for a little amount of personal items he got from inside my car and have a witness whom was with me at the time I picked those up from that driver and my laptop before it was cleared it's last logged location was the repossession lot where my car was taken to on XX/XX/XXXX at XXXX that was last location which is there storage lot for repo cars before they head to auction. I feel I have been lied to entire loan process I was sold a car that had miles rolled back and lied about Damage to vehicle from get go and I have papers showing i paid off the loan to XXXX and XXXX never sent Bridgecrest that information and all of it seems illegal and no communication from Bridgecrest about my car whatsoever I have never ever received registration for it or plates I paid them to do when I purchased vehicle in XX/XX/XXXX. I waited over 6 months with 4 different out of state temp tags one from Georgia, Tennessee, Arizona and Illinois before those expired and I had a lady at XXXX wa DOL office help me get it registered and get plates and had to oh again after paying XXXX Bridgecrest to do it and nothing ever came of it. Car was towed during those 6 months of no registration due to apartment rules on registering a vehicle within 30 days and they gave me a good amount of extra time and after 4 months I was towed twice from my apts due to non registered vehicle I sent Bridgecrest/ XXXX the tow bills and was promised to be reimbursed for the amount of the tow bills and again absolutely nothing at all. When I call XXXX they can't even find me in there system for buying a car from them. It's just a total illegal unfair and ridiculous last two and half years dealing with these outrageous unlawful companies especially with there Loan lending process of u realistic rate I put {$6500.00} down on car and I paid {$13000.00} for it and after 2 and half years they claim I still owe some crazy amount of {$9600.00} which is just insane. They don't have accurate payment history to show me and are just very illegal deceitful and harmful tactics they use and they need to be held accountable and have to Follow laws like being licensed to even do business in my WA state. Please help and let me know if any process I can take against these scam artist and hold them liable for illegal repo and personal item stolen that's all I I'd left of my father after a traffic car crash he dies in XX/XX/XXXX and my laptop was my livelihood for making money and working from. I lost my brother and father two months apart and the. Dealing with this auto loan nightmare has really taken its toll on me and my child I really hope something can be done so they can't victimize anymore consumers and are put to a stop for good! Thanks for your time.
01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CO 80013	Web
On XXXX XXXX XXXX, a Bridgecrest associate stated that my government-issued ID from the United States Department of XXXX XXXX isnt a legal government identification. They also stated that my FTC Identity theft report needed to be notarized with a police report. This is a very falsifying statement when the law, identitytheft.gov website states a police report, notarized ID theft report, and affidavit ID theft report isnt a legal requirement. The FTC identity theft report was given legally filled out with the identitytheft.gov website and was legally processed and properly identified by government officials known as the Fair Trade Commission. Also, as stated before, I dont know the names of people and companies such as Bridgecrest who obtain my information illegally or how this occurred with my information being stolen and missed used with no legal instrument for the past 2 years. According to 15 U.S. Code 1681c 2 Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. So, I dont understand why am I being discriminated against by the fact that I showed my legal government-issued Veteran disabled ID that was issued from the government. My government-issued ID from the United States Department XXXX XXXX XXXX is a legal government identification. And again, my identification was issued by the United States Department of Veterans Affairs which, is an owned entity by the government itself. Also 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. Bridgecrest has violated my consumer rights in the following manner : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy. 5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal. 7 ) violation of 15 U.S.C. 1692g Validation of debts Both of these companies have all of the following information for the record as well from previous complaints. Such as GOVT. ID and FTC report another one has been attached for the record. Please stop discriminating against my docs my FTC Identity theft report is completed correctly and is in good standing according to our laws established with congress.
10/26/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	OH 43213	Web	Servicemember
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Bridgecrest presented me with a fraudulent contract, they did not fully disclose all accurate and truthful information in the loan contract. The United States Supreme Court clearly states that : Waivers of Constitutional Rights not only must be voluntary, but must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and likely consequences.-Brady vs United States , 397 I.S. 742, 748 ( 1970 ). Also XXXX XXXX XXXX, XXXX XXXX defines fraud as an intentional perversion of truth for the purpose of inducing another ( individual ), in reliance upon it, to part with some valuable things belonging to him or to surrender a legal right. A false representation of a matter of fact, whether by words or by conduct, by false or misleading allegations, or by concealment of that which should have been disclosed, which deceives and is intended to deceive another so that he shall act upon it to his legal injury. Bridgecrest did not inform me of my right to rescind in the contract, they also failed to inform me the true nature of the loan and stated that they gave me a loan. There was also illegal conduct in regards to the loan, including but not limited to a down payment being paid which is against federal law pursuant to 15 USC 1605. Bridgecrest is unable to loan money and/or credit as determined by case Bowen v. Needles Nat . Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. The contract with Bridgecrest is deemed void and fraudulent based on the information outlined above and the following cases outline this : Barnsdall Refining Corn v. Birnam Wood Oil Co.. 92 F 26 817., Menominee River Co. v. Augustus Spies L & C Co. , 147 Wis 559. 572 ; 132 NW 1122., Guardian Agency v. Guardian Mut. Savings Bank, 227 Wis 550, 279 NW 83, Whipp v. Iverson, 43 Wis 2d 166. Bridgecrest is not the holder not and the title ( even though they informed that it is their vehicle which it is not ). Bridgecrest is making false/fraudulent claims by stating they are the holder of the title/note. Bridgecrest has committed numerous violations of my consumer rights including but not limited to 15 USC 1605, 15 USC 1635, 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), 15 USC 1692f and many more which has outlined in an Affidavit of Truth that was sent to them and delivered XX/XX/XXXX, with a signed return receipt as proof of delivery. Bridgecrest has committed numerous crimes against me including but not limited to 18 USC 1341, 18 USC 3718, 18 USC 1028A and many more which has outlined in an Affidavit of Truth that was sent to them and delivered 10/15/21, with a signed return receipt as proof of delivery. Bridgecrest was also sent a Bill of Particulars, and Cease and Desist exercising my consumer rights pursuant to 15 USC 1692c ( c ) ( 2 ) along with the Affidavit of Truth. I demanded the Bridgecrest send me the following information : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Nane on file of alleged debtor, ( 3 ) Alleged Account # ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Daye this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was this debt assigned to a debt collector or purchased?, ( 9 ) Amount paid of debt was purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ). Bridgecrest gave a response that was not sufficient as they didnt provide the information requested above. Bridgecrest violated my Cease and Desist on XX/XX/XXXX by sending me a letter that did not sufficiently respond to my concerns, request and demands but also informed me that it was an attempt to collect a debt. I also informed Bridgecrest that a sufficient response to my Affidavit of Truth was affidavit response with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stands as truth in commerce but that I can/will file fault judgement in the favor of me, the consumer.
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 350XX	Web
I called XXXX today due to my score dropping 20 points and an alert of a derogatory account being reported as of today XX/XX/XXXX. After being transferred 3 times I spoke with a man at the dispute department and I was told that after my dispute placed in XXXX the information provided by Bridge Crest/XXXX caused the injury on my XXXX score to drop 20 points. I already advised Credit Agencies of this creditor reporting inaccurate information intentionally and that I was filing a complaint through CFPB due to the abusive tactics and complete disregard of any law that protects consumers from reporting inaccurate information that continues to injure me purposely. I submitted another dispute to XXXX via XXXX XXXX as the prior dispute update account worse than it has through the last 6 yrs. I advised the man I spoke with how do they verify that the information provided is correct and the response was because Bridge Crest said so. The account is now showing up as an open account that is delinquent and has been since XX/XX/XXXX. I asked him how is it possible to have this account opened when I surrender vehicle years ago and the company itself is reporting VS every single month with the only update that came from my previous dispute is that now the account is reported as open when it was reported closed, foreclosure, CO, repossession, and VS in previous months and years. I spoke with someone from Bridge Crest that called me due to complaint and I went over everything thats happened and been done including the refusal of providing me a copy of the form I signed and she emailed me a copy of a contract with incorrect finance amount, price of vehicle etc. What she sent me shows the amount of cash I put down on the first vehicle I purchased that was totaled due to a car accident. I bought a second vehicle from this company because they had a program that would put me in the same or close to the same vehicle I had by paying {$500.00} cash and signing up for that program which is the only document I signed. She didnt call to go over the complaint she wanted me to accept, agree, and show me fraudulent documents so she can say I now have a copy of what they are showing to be The contract From this call I received its now being reported on XXXX at this time that the account is still open, and Im still late on payments years 6 yrs after surrendering the vehicle and it being sold at an auction. I dont understand how they are able to break the law and send whatever response they want to all 3 credit agencies with different information for almost 7 yrs. The date of first delinquency was within 30 days of getting the replacement car due to mechanical issues. I was never able to catch up the payments due to the cost of repairs and inability to get back and forward to work. I lost everything and was forced to move to a different state to live with my stepdad so my children had a roof over their heads. If the credit reporting agencies reviewed what is being reported and the amount of times Ive disputed the information common sense would show that Bridge Crest/XXXX is breaking lending laws and XXXX, XXXX, and XXXX are as well. Its interesting to me that all XXXX credit agencies report and have reported different information and continue to because they get paid by the creditor. This leaves the consumer at their mercy regardless of what they can actually see happening when the dispute is updated. In one agency it shows that I magically caught up the amount of payments behind for a few months and then I surrender it. Who helps the consumer from abuse of power? There are fines for breaking the law and the trust from this type of injury and stress caused by it. WHO IS RESPONSIBLE FOR ALLOWING SITUATIONS LIKE THIS TO CONTINUE TO BULLY CONSUMERS AND GET AWAY WITH IT? I will continue to look for someone to lead me to the right direction. No one should be able to hurt someones credit by reporting inaccurate information and continuing to report on a monthly and yearly basis false information. The date of delinquency started 30 days after I was given the keys and the account should show closed because I had no other option than to surrender the car because it wasnt fixable. They sold the car at auction and someone else owns it. How is it that Im still as of this month going back to XXXX getting hit as late with an VS and now a open account?
06/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OH 452XX	Web
An employee at Bridgecrest Credit Company deleted my credit information from all three credit bureaus it wasn't until I ran my credit report that this was found out. I contacted the XXXX XXXX XXXX and XXXX from Bridgecrest called me on XXXX informed me that she was responding to my complaint that received from the XXXX XXXX XXXX and had to reach out to me to ask some general questions hear my side of it and do some investigating into what happened. Then stated she could see where someone had deleted my account information and that they shouldn't have she told me she had to do a little more investigating because I filed a complaint with the XXXX XXXX XXXX but I more than likely would not be responsible for paying for what was left on my car after the auction because someone had deleted the account information from the system and that it should not have been removed. XXXX said she would contact me in a couple of days with the results I did not hear from her I instead received an email from someone by the name of XXXX XXXX who also stated that they reviewed my account and their records indicate it all information previously reported by Bridgecrest Credit Agencies. Also that they would not report any additional information regarding my account to the agencies which is probably because it's been deleted so there's no way they can. I called Bridgecrest to get a better understanding of what this letter meant and spoke to a lady at Bridgecrest who then connected me to XXXX who today XXXX attemped to tell me that it is the policy of Bridgecrest that whenever someone files a reaffirmation in a bankruptcy they delete their credit information from the system. I responded to her by letting her know that that was not what she told me last week and if she remembered that she told me my information should not have been deleted from the system and if this was the department she worked in why she was not aware of this policy if it's the normal policy and procedure to refuse to answer she just continue to say I will be responsible to pay what was left after the auction I've been informed her that does not sound right or Fair because since you deleted my account information you can't even see what my initial loan amount was and I don't have the paperwork anymore so it will be very easy for them to say I owe them whatever amount they choose which I don't think it's fair legal and I am not going to just accept. XXXX then went on to tell me that there was a lot of discrepancies in my initial complaint that XXXX and XXXX pull up different car histories and that I was given a history on my car stating my car had had four owners I informed her that is not what was told to me she said well I have a paper in front of me that you signed, I informed her I don't trust XXXX XXXX nor do I now trust Bridgecrest so I don't care what she has in front of her I know what was told to me and I also had my fiance with me and he also heard the gentleman say my car had one owner had never been in an accident and never left the city of XXXX that it was used as a rental car which is one of the reasons why I was more interested in the car. The car started having transmission issues after not even driving the car for 6 months which also leads me to believe that XXXX XXXX selling flood cars and they had to know that the transmission had issues. Now that someone has illegally deleted my loan information from the system and deleted it out of all three credit bureaus none of my payment history shows up which does not help my credit score all of my information is just gone and now Bridgecrest is still trying to get ahead by charging me what they claim they're not getting from a car that they erased the account information from. I feel this was done maliciously because they saw I was filing bankruptcy and didn't want me to be able to put my loan on my bankruptcy. I was brushed off by XXXX as if she was just saying oh well now there's nothing they can do. Your company went back and deleted financial records which can't be legal. I do not feel I should be responsible for paying what Bridgecrest says is left after the auction of the XXXX XXXX XXXX due to my account information being deleted by someone who os employeed with their company. This is unfair and a terrible thong to do to Consumers and then want to force payment on an acount that no longer exists.
05/30/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80020	Web
Referencing Complaint ID XXXX This complaint was closed right after the company submitted their response. I have no idea why it was closed, as the company failed to address any of the information contained in the initial complaint. I am attaching my " Feedback '' in this new complaint, as well as the images attached to the initial complaint noted above for your review. Please have the account issue addressed. Bridgecrest continues to fail to address the clearcut issue with my account number, and this being the reason payments have not been able to be made on the account. Despite screenshots of their recommended alternate payor sources showing the account number is invalid/does not exist, as well as a recorded ( by Bridgecrest ) phone conversation with one of their representatives where they acknowledge that my account number is not working with an in-person payment method ( CheckFreePay in-person at XXXX ), Bridgecrest fails to rectify this known issue. Instead, they simply continue to state that payments are not being made, as well as the active repercussions of lack of payment to include the vehicle being in repossession status, the account now charged off, and my credit being severely negatively impacted. The issue has not been resolved in any form, and it is incredibly concerning that the complaint has been closed when the issue has not been addressed. I have attempted to make payments in every method available on their website, have documentation showing the payments were unable to be made due to an issue with the account number, Bridgecrest had a recorded line where their own representative was aware the account number was not working for this additional payment method, and yet nothing has been done so that we can move forward. Bridgecrest has also stated via email that they refuse to communicate any account details via email in writing, claiming it is a privacy or security issue. The additional issue is from the representative that was on the phone with me while I attempted to make a payment in person via XXXX at XXXX. The representative repeated the account number multiple times to the XXXX representative, who confirmed the account number was entered properly. When the payment was again rejected by XXXX due to the account number being invalid for Bridgecrest, the Bridgecrest Representative then had the XXXX employee attempt to submit my payment to MULTIPLE other biller codes that were NOT Bridgecrest. The Bridgecrest representative asked if the payment was accepted after each biller, however, the payment was not accepted until maybe the fourth different biller, XXXX XXXX XXXX. The Bridgecrest representative assured me this payment would be applied to my Bridgecrest account. After I waited a full week for it to be applied, I saw that it was not. After reaching out to Bridgecrest, I was told that representative gave false information, and that Bridgecrest could not accept that payment, nor apply it to my account. The payment was for {$600.00}. The payment was made on XX/XX/2023, at XXXX, per the photo of my receipt. I have yet to be refunded this money. So, not only was this payment fraudulently informed to be made by Bridgecrest to an incorrect biller account, but I have not been able to have this money back. This entire process has been very frustrating, and it is further exemplified by this complaint being closed without any true resolution or the issues being addressed on any level. I request that some sort of response be made by CFPB and Bridgecrest, as this is completely unacceptable to do to a consumer who has evidence of attempting to make payments on a vehicle, but not being able to for reasons outside of my control. I am attaching the original contract, which states on Page XXXX, " Retail Installment Contract and XXXX XXXX, '' where it states the account number, " No. ", is XXXX ; however, in my user portal for Bridgecrest, my account number was noted as XXXX. Despite bringing this to their attention as a possible reason for the discrepancy, they continued to deny issues with the account number. I have attempted to resolve this on my own with Bridgecrest to the best of my ability. Lastly, on my contract documents, it lists XXXX as the lienholder, not Bridgecrest. Yet, Bridgecrest is who I was making payments with, and seemed to have the loan with. None of the documents seem to align.
10/26/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD 21117	Web
Vehicle was sold to repair shop by way of verbal agreement on a conference call in XXXX, XXXX after mechanic stated it was useless to repair and that there is an option for a mechanic to purchase from the finance company. I provided mechanic with account number and contact info. In XXXX, XXXX during a mortgage process a collection agency named XXXX appeared on my credit report and when I made inquiry discovered it was listed on behalf of auto finance company Bridgecrest in the amount of {$19000.00}. Phoned Bridgecrest since I knew I had participated in selling the vehicle to the mechanic. I spoke w/Ms XXXX ( Bridgecresst ) and learned that the mechanic contacted them a month later ( approx XX/XX/XXXX ) and changed his mind and made a demand for storage fees which were paid to him by Bridgecrest. Company made no attempt to contact me to inform me of this change. During this call I was informed vehicle was sold at auction in XX/XX/XXXX for {$3400.00} When asked why they didn't notify me, MsXXXX XXXX stated that after the sale a letter of intent was sent to an expired address which is not the last address they had on file OR the address they last made contact to me via mail and once when they repossessed the vehicle - they were absolutely aware of my current address, contact information, email, etc. and purposely ignored the information, in my opinion. Bridgecrest instructed me to contact collection agency XXXX, provided phone number and stated Bridgecrest couldnt discuss any further as they no longer have the acct details. I made multiple attempts to reach XXXX, the collection agency and once contact was made, they informed me they did not have the acct by my social or acct number and they would have had it even if the account no longer existed and was unsure why they were appearing on my credit file. I disputed the account w/both credit bureaus where it appeared and the account was ultimately removed as not valid. Three weeks passed and I restarted the mortgage process the account was then added the one credit bureau ( XXXX ) which it wasn't originally listed and I made no dispute. It was recorded on my credit file as Bridgecrest, and both collection agencies XXXX and XXXX XXXX at the same time. I disputed the account and XXXX XXXX replied valid account. I made several subsequent calls to Bridgecrest who are refusing to discuss who actually holds the account or the history of how it appears now as a collection. My position is that they contributed to this debt by not properly informing me of any subsequent steps of this process once the mechanic changed his mind about the purchase. This continues to be further unresolved as my many attempts to XXXX XXXX have no resolve. I attained the contact information and was informed that they are the owners of the account but outsource the collections. XXXX XXXX than provided me with a contact number and stated We are not permitted to discuss the specifics of the account once out-sourced. The contact information is for a company similar in name to the original disputed collection agency XXXX. Once I contacted this new collection agency I was informed by the rep that no collection activity was started for this account or could be found but if I would provide my phone number, social, mailing address and what I'd like to do with the account they would create a file and assign it to someone to begin collection activity. I decided against providing this information, rather went back to XXXX XXXX. This has been since XX/XX/XXXX where I have left multiple voicemail messages - they use an answering machine only and through their website where there is an option to submit complaints, issues or concerns on their portal. This unresolve for an erroneous debt is causing me extreme hardship. Bridgecrest, XXXX XXXX are erroneously reporting at the same time multiple collections for one single account. They are being a barrier to me resolving. In addition the amount is incorrect and reflects nothing sold at auction deducted from the account. The balance remains the same from original purchase in XXXX, XXXXwith no record of payments or deduction of original balance of {$18000.00}. - balance is actually higher than purchase price. I began attempting to resolve this since XXXX XXXX and have yet to receive a return call or assistance of any kind.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30060	Web	Servicemember
Date : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( or ) XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Credit Report Number : XXXX, Date Created : XX/XX/XXXX XXXX Credit Report Confirmation XXXX XXXX, Date created : XX/XX/XXXX XXXX Credit Report File Number : XXXX, Date created : XX/XX/XXXX Original Creditor : XXXX BRIDGECREST XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Contact Number : ( XXXX ) XXXX Dear : XXXX, XXXX and XXXXXXXX XXXX XXXXXXXX Bridgecrest I am writing to dispute the inaccuracy of this information contained in my credit report in regards to the Original Creditor XXXX/ BRIDGECREST There are a number of discrepancies with this fraudulent account for example the account type shown is reported to be an auto loan and also reporting as a repossession, account # XXXX in the amount of {$9100.00} with an original balance of {$19000.00}. This account also displays a 24 month payment history, this account is not only reporting transactions fromXX/XX/XXXX TO XX/XX/XXXX. According to my credit report, this account has different dates of last activity as well : XXXX reports no date, no activity and no account exist, XXXX reports no date, no activity and no account exist, meanwhile XXXX last status update was on XX/XX/XXXX. Today is XX/XX/XXXX this is a clear violation of the Fair Credit Reporting Act, according to the FCRA, I have the right to an accurate credit report. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. FCRA Fair Credit Reporting Act also states Transactions and experiences are not supposed to be on my consumer report. The law states that a consumer has the right to opt out of having their information reported stated in 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ) under the exclusions that a consumer transaction or expreniece are not included on the consumer report. As provided in paragraph 3 the term consumer report does not include reports containing information solely to transactions highlighted on my credit report history. Between i, XXXX XXXX XXXX and you XXXX BRIDGECREST account # XXXX is excluded from the consumer report, please delete this transaction from my consumer report as well please. In addition you have reported a transaction on these days too : XX/XX/XXXX to XX/XX/XXXX and a repossession from XX/XX/XXXX to XX/XX/XXXX with the account type as a auto loan. Also, may you please look into the Date of last active, this is also stating that the vehicle has been repossessed, Auto Loan and late payments are reported onto XXXX XXXX report. Please remove these Transnational experiences and report accurate information. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection Furthermore, I believe that the furnisher of this information from XXXX Bridgecrest and you as the credit bureau XXXX is an unreliable source. Their inconsistent reporting raises serious questions about their accuracy and reliability, and I request that you reinvestigate this matter thoroughly. I am formally requesting that you remove this Auto Loan/ Repossession account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX Thank you Please respond to Certified mail sent as well please
07/31/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MD 21114	Web
Filing yet another complaint can only try to see have it explained and documented on how Bridgecrest and XXXX have done and will continue to do shady business deals while taking advantage of people like me in my situation with horrible credit. Thinking because I have horrible credit I will not fight the issues involved. My prior complaint they apologized for me not getting my reimbursement check in timely matter like promised I ', m over that just want to make it clear it wasn't sent in a timely matter because I believe they wanted me to make the first mistake and not make payment on time or do something that I believe that will help their case if we are to ever take this to court. I have done everything that has been asked even though I believe I'm in my right not to. But why would I hurt my already horrible credit score and end up hurting myself and getting my vehicle taken form me. They were advertised as a company to help people like myself in my situation with horrible credit, build it up and be able to get into a vehicle when no one else would. I do commend them for that but not at this price. Im doing everything right making payments on time even though I have been heated a number of times and after calming down realize why should I help their cause. It is my belief they delayed my reimbursement check until after I had too make a payment to see if I was bluffing about not paying them. In previous emails I have recently sent to them I have no issue filing complaints until I'm blue in the face. I have been wronged and want things adjusted. What is the hold up they were fined by you for doing almost the exact same thing a few years ago and obviously haven't learned. What have I done to warrant this kind of treatment. I can see if I wasn't paying them but I am and every time I get a response from them it is worded very well that I have nothing to say but ok. In the State of Maryland a verb agreement over {$500.00} has to be in writing according to my research and feel that I am owed those payments back. But looks past that maybe I'm wrong that can happen. In their own words stated numerous of times that they went against company policy and reminded my contract which I'm also thanking them for and those payments aren't refundable because it was time that I was in the vehicle I had driven. Ok so by saying that in my eyes correct me if Im wrong, it is company policy to sell sub standard vehicles to people in my position with horrible credit and no money so they cant fight back and take them to court. The only reason it took so long to get out of the vehicle was because their process was very long to get things documented so that being said if they cant give me all of my payments back should at least in my opinion pro rate part of my payments back. I didn't sell myself a sub standard vehicle they did. Seems like I'm getting punished with all of the repocussions and they are carrying on business as usual with nothing stopping them form doing this to other customers. It will be a cold day in XXXX before I stop with these complaints and have nothing better to do then be thorn in their side until something is done to prevent this from happening to other customers. I pay my payments on time so Im not doing anything that would put me in breach of contract so I'll keep doing what I have to do until I either get something done so no one has to go through this like I have or I guess they find some other loophole they have that Im unaware of to get me from stop filing these complaints. I'm not doing anything illegal or am not threatening anyone so I can keep filing complaints and being a XXXX XXXX XXXX XXXX XXXX until I'm blue I the face and they cant stop me as log as I'm making payments onetime and for the correct amount. All nice on paper how they answered my concerns but got look through the blurred lines and actions taken by them have only helped them and not me the customer in good standing. Also they have given me documentation showing when signing for new vehicle my other was on my credit report so it was used to give me new interest rate. WHY DIDNT IT GO DOWN if it wasn't enough time reported that fine but need a better explanation at this point we are beyond being subtle.
12/14/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30122	Web
I entered into a consumer credit transaction with Bridgecrest credit company on XX/XX/2021. Bridgecrest credit company is a debt collector pursuant to 15 usc 1692a ( 6 ) and the failed to disclose this upon our initial communication which was I initiated the transaction that they were debt collectors this is a violation of 15 usc 1692e ( 11 ). I later started to receive statements in the mail that said that I the consumer allegedly owed them for this debt. These statements were false and misleading representation. The balances on these accounts were shown in the positive balance, this made me assume that these statements were coupons with refunds of money to me for the credit I extended to them because it is impossible to pay on a positive balance this is also a violation of 15 usc 1692e ( 2 ) ( a ). I exercised my right to rescind this consumer credit transaction on XX/XX/2021. It was delivered to bridgecrest credit co on XX/XX/2021. I exercised this right to rescind by mail pursuant to 15 usc 1635 ( f ) my right to rescind this consumer credit transaction extends to 3 years as a result of the defective Truth In Lending Disclosure statement and the notice was sent a delivered to them within that time. I rescinded this consumer credit transaction for some of the following reasons. Bridgecrest credit company willfully and knowing failed to disclose information required under the provisions of 15 us 1601 this is a violation of 15 u c 1611. They also failed to disclose my rights under this contract as the obligor to rescind this consumer credit transaction pursuant to 15 usc 1635a and they have failed to provide me with the appropriate documents required for me to exercise this right. Bridgecrest credit company is also in violation of 18 usc 242- they received my notice of recession and failed to abide by federal law and terminate any security interest created under the contract and return any money given to them within 20 days pursuant to 15 usc 1635b. Bridgecrest credit company has failed to accept my offer to tender the property at my place of abode with 20 days and now ownership of the property vest in my with no obligation to pay for it and I am not responsible for any charges pursuant to 15 usc 1635b. I, XXXX XXXX XXXX XXXX am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail Pursuant to 15 USC 1692c. ( c ) Bridgecrest credit company is a financial insinuation pursuant to 15 usc 6827 ( 4 ) ( a ). Pursuant to 15 usc 6821 It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 1 ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution ; ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution; or ( 3 ) by providing any document to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. they violated this chapter by causing my customer information to be disclose to the credit reporting agencies and to snatchmasters llc without my consent which is identify theft. pursuant to 15 usc 6823 Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. Whoever violates, or attempts to violate, section 6821 of this title while violating another law of the United States or as part of a pattern of any illegal activity involving more than {$100000.00} in a 12-month period shall be fined twice the amount provided in subsection ( b ) ( 3 ) or ( c ) ( 3 ) ( as the case may be ) of section 3571 of title 18, imprisoned for not more than 10 years, or both.
09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 79705	Web
Bridgecrest is in violation of the Fair Credit Reporting Act and in violation of Validation of the Fair Debt Collections Practices Act. Bridgecrest representative acknowledged that information reported to credit agencies are inaccurate in a response to a claim made through the XXXX reported on XXXX XXXX, XXXX this response included in this complaint it states that after a forced re-investigation Bridgecrest themselves has found inaccuracies with reports made on my personal consumer report. CRA 's ( XXXX and XXXX ) are also aware of these inaccuracies as stated in previous complaints against Bridgecrest. The representative continued to make false and misleading statements until evidenced showed that there is actual incorrect information. Bridgecrest representative confirms incorrect payments balances and late payments reported but states that the CRA 's are the ones reporting incorrectly. After speaking with both CRA 's ( XXXX and XXXX ) they have stated that they are unable to report ANY information outside of what a " Creditor '' Provides to them, confirming that Bridgecrest is solely responsible for reporting damaging incorrect information to these CRA 's. Representative also made false claims that all open disputes with these CRA 's are currently resolved and closed in response made to XXXX on XX/XX/XXXX. I can confirm that CRA 's ( XXXX and XXXX ) both currently show Bridgecrest account in " DISPUTE '' since XX/XX/XXXX and reopened XX/XX/XXXX and both can confirm dispute still in review status. Bridgecrest representative still will not acknowledge or report account status in " DISPUTE '' even though company has received notice of account in dispute sent via fax and via certified mail. This information has been supplied to CRA 's and reason why account is currently in " DISPUTE '' status with reporting agencies. Due to inaccuracies reported, XXXX has suppressed reporting by Bridgecrest and XXXX confirmed with company of the payment history is inaccurate. In an attempt to " Update '' Bridgecrest sent request to update information after the fact. Bridgecrest is in violation of privacy laws, FCRA, FDCPA laws as well as Defamatory Acts. Below is the Complaint information reported to the XXXX : Continued False and inaccurate statements : Defamatory gestures and misleading statements not reflecting correctly in the aspect of account dispute status. I have spoken to both XXXX as well as XXXX and they have confirmed that account status and reporting was reported solely by the company Bridgecrest due to CRA 's unable to report or reflect anything different than what is reported by an " assumed '' creditor. As it stands as of XX/XX/XXXX XXXX and XXXX both have confirmed that Bridgecrest account status has been in " Dispute '' and is NOT completed or CLOSED as stated by Bridgecrest representative in a response on XX/XX/XXXX to the XXXX. Complaint # XXXX. This was also relayed to Bridgecrest representative in a phone call made prior to response of complaint. XXXX and XXXX both have found inaccuracies with Bridgecrest Bridgecrest reporting agencied and are taking proper actions to address my concerns as well as taking measures to protect unlawful credit reporting acts. Bridgecrest claims that they have sent completed requested information via certified mail and this is false. I was not supplied with validity of account information nor sent any requested transcripts of communications particularly for damage claim incident as well as none of the requested information XXXX of XXXX when payment request were asked to place certain payments directly to principle balance. I have also sent documentation of Bridgecrest response to XXXX and XXXX to show that Bridgecrest is aware and have confirmed that there are inaccuracies and errors that are being shown on their reports. Although Bridgecrest is not accepting responsibility for these reporting errors and seemingly stating that the CRA 's are reporting inaccuracies themselves, they are being made aware that the information supplied or reported is incorrect accordingly. Bridgecrest can not be reporting correctly ( administratively ) as stated by representative if both CRA 's are confirming these reports.
08/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	VA 237XX	Web
Hello, Im a single mother of XXXX children and my car was totaled. I needed a car to return to work and my children to and from school. I saw a commercial about XXXX and thought it was a great idea to try to help me save time instead of going to a physical dealership. At the beginning of XX/XX/XXXX, I then proceeded to go online and look for a reliable car. I found a car on the XXXX website then I proceeded to fill out the application to apply for the car and was approved instantly. Once I got approved, I scheduled a delivery date that was once changed, but then the second date was set and thats when I received the XXXX XXXX XXXX! XXXX came and delivered the car on XX/XX/XXXX. It came with a XXXX-day tag. It was a smooth delivery. This is where the problem started! Before the XXXX days tags expired, I started to call and emailed XXXX to see when I would receive my hard tags and also how I would proceed to make my monthly payments. I wanted to see how to set up automated payments and needed to know the exact amount I needed to pay. I didnt receive any information regarding the auto loan or the payment amount. I called almost every day, and everyone I spoke to told me my hard tags were already shipped and I should be receiving them soon. I started to get anxious because all I could think about was getting stopped by the police and getting a ticket because now my XXXX days tags were expired! I still had a life to live so I had no choice but to keep driving with expired tags. After waiting about XXXX months I finally received my hard tags in XX/XX/XXXX, and they expired in XX/XX/XXXX. I was so confused and called XXXX and asked them to explain why I was giving a short time. Here I go calling XXXX again to get clarification on whats going on. I know this is not the normal way of doing a transaction. XXXX told me not to make any payments toward the vehicle at this time and that someone will reach out to me regarding making payments. Then I received an email from XXXX XXXX on XX/XX/XXXX, stating that I had to pay for the months that I had the car since XXXX. I then advised him that Id been calling XXXX since XXXX and I still havent received any information regarding detail about my auto loan and that I cant afford to pay five months of car payments at once, and that I do believe this is XXXX 's mistake. He then emailed me back and stated that my next payment is in XX/XX/XXXX and that XXXX will take care of payments from XXXX XXXX, and that it will take ten days to reflect on the Bridgecrest ( The lender ) account. XXXX emailed me back and said the rebuild process was completed, and my vehicle purchase was finalized. I tried contacting Bridgecrest, the lender, to get detail about my auto loan and my payment arrangement. The lender kept asking me to call back to wait and see if they received the paperwork from XXXX. XXXX and XXXX went by, and I still cant get any information regarding my auto loan. The worst part of all of this is in XX/XX/XXXX a tow truck was in my driveway, and a man knocked on my door for the car keys stating he was picking up my car due to no payment. At that point, I wanted to call my attorney because I knew something was wrong with the situation. I did my part by calling and email getting information about my auto loan. I was so embarrassed because I wasnt able to go to work that day, nor could my kids go to school. I became XXXX and confused. I tried contacting XXXX and Bridge Crest, and all they told me was to send a letter to a department that was located in AZ, and Im located in Virginia. I had to hurry up and make my way to a car shop and purchase another car. Now Bridgecrest has the nerve to be on my credit report as a voluntary repossession. They even stated that I made a payment on XX/XX/XXXX and XX/XX/XXXX ; HOW? I have never made a payment hence I didnt receive any information regarding my loan. I didnt receive any paperwork from them. I ended up getting a brand-new XXXX and still have a positive standing report for that vehicle as of today. I would never recommend XXXX to anybody. That is a scam company that should be shut down. This is not fair and I would like to get this removed from my credit report.
05/17/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NC 27107	Web	Older American
I recently made a phone call, concerned that someone might be using my credit after I receive the email on XXXX. However, a man answered the call and claimed that I owed them money. I informed him that I did not owe anything and refused to pay. He then threatened to ruin my credit if I did not comply with a lot of nasty words I even told him that I worked in collections for years and he was breaking XXXX XXXX XXXX. Later on, I received a second email regarding the matter. The problem is I DO NOT OWE THE DEBT. I have included both emails. I had to freeze my credit and block my social security and pay for monitoring my credit which is a hardship going through a bank for a mortgage right now ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. the first email would not let me upload XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bridgecrest Acceptance Corporation XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX XXXX XXXX you for your interest in XXXX Car XXXX XXXX XXXX XXXX. and Bridgecrest XXXX XXXX, our auto lending partner, and for your application for credit. You may be receiving this notice while you are still active in the buying process or you may have chosen to get financing and/or purchase a vehicle elsewhere. If you are still talking to us about potential financing on a vehicle, your approval status remains the same until XX/XX/2020 and we encourage you to keep in communication with us as we work towards putting you in your next vehicle. Before we are able to make a final decision on your application to finance a vehicle, we will need the following information : Driver 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of telephone number Verification of Social Security Number Evidence of First Meeting of Creditors ( if in Chapter XXXX Bankruptcy ) Trustee Letter ( if in Chapter 13 Bankruptcy ) Lift or otherwise resolve a credit freeze, active duty alert or identity theft alert ( if applicable ) This is a complete list of the items of information we need, and you may have provided some of these items already. We need to receive all of this information by XX/XX/2020. If we do not receive it by that date, we will regrettably be unable to complete your current credit request, and you would need to start the application process again if you wish to be considered for credit. If you would like more information about what we need to make a decision on your application, simply contact your dealership representative or contact us at Bridgecrest Customer Service Department at the address and phone number shown below. When you make your request, please include the XXXX number that appears above your name on this letter. For questions about this letter please contact the Bridgecrest Customer Service Department at : Bridgecrest Acceptance Corporation XXXX XXXX XXXX, XXXX, XXXX XXXX ATTENTION : Customer Service Department XXXX Notice The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX Then hour later second email... .... Bridgecrest Acceptance Corporation XXXX XXXX XXXX XXXX, XXXX Today you received an email from XXXX Car Sales Company, XXXX and Bridgecrest XXXX XXXX, our auto lending partner, regarding your application for credit submitted in 2020. Please disregard this email as it was sent in error. We apologize for any inconvenience this XXXX have caused. For questions regarding this notice, please contact the Bridgecrest Customer Service Department at : Bridgecrest Acceptance Corporation XXXX XXXX XXXX, XXXX, XXXX XXXX ATTENTION : Customer Service Department XXXX Visit XXXX Customer Service : XXXX
01/12/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	MI 480XX	Web
I purchased a car through XXXX. I am told that a shady company named " Bridgecrest '' is the loan or bank for my car. They have several lawsuits against them from many states for fraud and poor business practices. CA, Missouri and PN are 3 states who are hearing cases about them for deceptive business practices. So this company has a proven track record of issues both legally and financially for their " practices ''. Here is a link as proof that 3 states have lawsuits or actions against this company to verify what I am saying. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have NEVER had any company called " Bridgecrest '' ever call my cell phone ever. I submitted evidence of this with my last complaint through the CFPB. I had scammers called " XXXX XXXX '' and other names of personal people call me over and over so I refused to answer such scammer calls as my name has been part of several data breaches through medical, financial and other breaches and I have had to freeze my credit files with all 3 credit companies. They claim in their rebuttal to my first complaint with the CFPB that they, " Bridgecrest '' called me. They never did. Again nobody with a phone number showing the name " Bridgecrest Acceptance Corporation '' or " Bridgecrest '' EVER contacted me. Instead, XXXX XXXX called me so many times I had to block the number and personal people 's names that are not Bridgecrest. Any reputable company would have their name in the called I.D . calling customers. Bridgecrest, never once called me and I went over my phone records through XXXX to verifiy this. So they lied. I have evidence they lied that " Bridgecrest '' ever contacted me. Legally, a company can not have a personal cell phone number, they must identify themselves as the company they claim to be, which they have never done. So I want this complaint escalated that they have never called me from any " company line '' called Bridgecrest ever to this date. I banned XXXX XXXX from calling me and other fake people who pretended to be " Bridgecrest ''. I am also reporting this matter to the state of Michigan and to the federal government as this is deceptive to expect a consumer to pick up a phone number for a PERSON and not a company who is clearly identified. So because of this and their absolute terrible response to my initial complaint with the CFPB, I am moving forward with my complaints that they are committing fraud by not clearly calling from a company named Bridgecrest. It is not legal for individuals to use personal cell phone numbers to call consumers and pretend to be a company. I also am requesting formally from the government and the CFPB for Bridgcrest to idenify who " XXXX XXXX '' is and transmit that information to me and to the government and to the Consumer Financial Protection Bureau immediately as they gave my number to this person to harass me nonstop on my cell and impersonate a company called Bridgecrest. As of today 's date, XXXX, I have never ever been called on my cell phone by any such company called " Bridgecrest ''. I refuse to call any number they provide since the scammer " XXXX XXXX '' got my number and several other individuals who are scammers who pretend to be this company called Bridgecrest as I have no way of knowing the number is real. I demand they give me the reason why XXXX XXXX called me over and over as they failed to address this in their last reply to my CFPB complaint. WHO IS XXXX XXXX AND WHY DID BRIDGECREST GIVE HER MY PHONE NUMBER? Payment Due Date is Illegal Window of 0 Days! Also, like all car loans, you have a window to pay and I was told that. Now Bridgecrest is saying you have 0 days of leeway on your due date. Really? UNHEARD OF IN THE AUTOFINANCE INDUSTRY unless you are shady. When I had a loan through XXXX XXXX I had a two week window to pay. Why is this company doing this? People 's paychecks do not always come easily to align with due dates and as a XXXX I get paid twice a month, so can not help it is my payday does not align with the due date EXACTLY so this is not legal.
10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30312	Web
consumer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX United States RE : 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies Account XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT You are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal, family and household purposes which is also damaging my ability to obtain consumer essential goods. You and your inaccurate reporting have damaged my livelihood. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. . Duty-A moral or legal obligation ; a responsibility Accurate- correct in all details ; exact Prohibition- the act of prohibiting by authority ; the action of forbidding something ; a law or regulation forbidding something As defined by IRS EVEN IF YOU DIDNT RECEIVE A FORM 1099-C, YOU MUST REPORT CANCELED DEBT AS GROSS INCOME ON YOUR TAX RETURN. THE IRS CLEARLY DEFINES A CHARGE OFF AS GROSS OR ORDINARY INCOME, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. Which in fact makes your reporting of this account inaccurate. By definition the IRS clearly says a canceled debt or charge off is income. The reporting of this account as a debt is inaccurate, 15 USC 1681s-2 says you BRIDGECREST/XXXX is a furnisher of information to a consumer reporting agency. You are prohibited by law to not FURNISH inaccurate information. I demand you to cease and desist the reporting of incorrect/inaccurate information. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. You are hereby put on notice that you are furnishing incorrect and inaccurate information. A lender must file 1099-c and send me a copy if the amount of debt is {$600.00} or more. And the lender is a financial institution, credit union, federal government agency, or other applicable entity as earlier discussed in Chapter 1 15 USC 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous inaccurate account from my consumer report. You have ( 10 ) ten calendar days to DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. As well as XXXX XXXX XXXX or any derivates thereof and all addresses, employers and birth year under the privacy act of XXXX and the right of financial privacy act of XXXX, all personal information relating to anyone but XXXX XXXX as all addresses are inaccurate information. Report number XXXX REMOVE-XXXX XXXX XXXX and any address associated with that name, it is not me. BRIDGECREST Auto-charge-off and XXXX-charge-off
03/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27587	Web
Okay, I have a major issue. Here is the breakdown. I was a co-signer on a car loan with my ex-husband PRIOR to my knowledge of being divorced. From the beginning of this loan ; I have been through a bumpy ride with Bridgecrest AND my ex-husband. I have explained this to Bridgecrest from the beginning of this loan along with the proper documentation ( divorce records - attached ) to prove that I was bamboozled into co-signing. I found out months later AFTER I signed that I was divorced in another county. I have attached a copy of those divorce records for review. So here is the now ; I am under contract for a home loan ( literally building a home ). My first home loan. One of the contingencies of the loan was that XXXX traded in the car OR paid it off so it would not affect my debt to income. So it is imperative that everything stays the same or get better not worse. The car was traded in on XX/XX/XXXX, the payment was sent in from XXXX around the XX/XX/XXXX. We called in to ensure that everything was great and there was another small payment due for {$130.00}. He paid it over the phone and we were told that everything was okay. I was also told that the account would update immediately ; which was always incorrect. I called back on XX/XX/XXXX to ask for a letter for the update ; I was told that the account would update at the end of the month. I asked for a letter ; and it was sent to me on XX/XX/XXXX and that letter was uploaded for dispute on all 3 credit bureaus. ( attached ). After it was updated ; the accounts showed paid in full and OPEN. But I waited until Bridgecrest updated the records. The accounts updated about 3 times from the end of the month until now. Each time my credit reports were updated ; it only worsened. Not only the report ; but the mortgage credit score. I noticed on XX/XX/XXXX that my credit score dropped 70-80 points ( mortgage ) and 25 points ( FICO ) because of this error. First, I called on XX/XX/XXXX customer service, I was told that this account was past due ( which is incorrect ) if that were true ; it should have been reported when the account was updated XX/XX/XXXX. I called Bridgecrest Customer Relations department to see what happened on XX/XX/XXXX. XXXX told me that the latest reporting was a mistake. They immediately tried to initiate a correction to the credit bureaus ; and a letter to me ; within a couple hours. However, my credit score did not rebound at all. I was thinking it was because 15 late payments ( from XXXX ) were added back to my credit report - which were previously removed. But after speak with MyFICO on XX/XX/XXXX, it takes time for the rebound ; but time is something I don't have. I called back to Bridgecrest and asked them about some sort of concession regarding THEIR mistake. The only concession I asked them to make was to remove the 15 late payments that were previously there ; then removed ; then added again. This could possibly help my score increase. This is completely unfair and unethical that I have to suffer because of some sort of reporting error. My scores are still a mess and all of the fluctuating in the middle of closing. I have reached out to an attorney for a meeting tomorrow afternoon for litigation if something is not rectified. I have already received proper instructions from customer relations how to have an attorney reach out to the Bridgecrest team. I could lose my mortgage because of this. I have worked REALLY hard to clean up the mess XXXX left me with. I am not disputing with the credit bureaus ; I am only disputing with Bridgecrest ; not XXXX or XXXX I have attached : XXXX Credit Reports ( fluctuation in reports and payment history ) for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -Full MyFICO reports for XX/XX/XXXX and XXXX ( to show score droppage and my personal credit history which is EXCEPTIONAL -XXXX Updates - XX/XX/XXXX XXXX XXXX -Correction Letter from XX/XX/XXXX ( Bridgecrest ) -Payoff Letter received from Bridgecrest - XX/XX/XXXX -Divorce Decree XXXX ( showing that I was not aware of the divorce prior to the loan ) This divorce was done by fraud.
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35803	Web
To Whom It XXXX Concern, I initially filed a complaint here against Bridgecrest Acceptance Corporation in regards to the companys reporting on my consumer report. My inquiry was simply on behalf of their inaccurate reporting. The company has responded ( attached ) disagreeing with my complaint. On XX/XX/XXXX, at 133 days past due, XXXX XXXX account charged off due to non-payment and it has been reported as such since. The vehicle was subsequently recovered and sold at auction, with the proceeds applied to the accounts principal balance. I disagree, as the black and white of my credit report reports XXXX, XXXX for the initial charge off ; not as stated/reported ( XX/XX/XXXX ) If my last payment was XX/XX/XXXX ( As reported on my consumer report ) and the account charged off 133 days after ; then, it is IMPOSSIBLE for XXXX, XXXX to reflect upon a charged off status. To detail this matter, XXXX follows XXXX and XXXX, XXXX, XXXX etc follows XXXX. That said, my consumer report shows a charge off in 90 days amid the reported Last payment, not 133 days as the company claims. In addition, Bridgecrest confirms theyre currently reporting this account accurately as the FCRA requires. Upon receiving XXXX XXXX complaint, we reviewed his concerns and confirmed that all policies, procedures, and applicable laws were followed in the administration of his account and our reporting of his tradeline to the CRAs. I disagree. Bridgecrest suggests that I communicate directly with the CRAs in regards to the account. Well, I have done so ; almost half of last year. ( Since XXXX, XXXX ) I will attach below a copy of how my credit report was reporting ( XXXX, XXXX ) prior to my initial complaint here, I will also make highlights of the INCOMPLETENESS I am referring to ; additionally, I will also attach below how the account is now reporting as of XXXX, XXXX. You will see how Bridgecrest/XXXX updated the historical trended data; minimizing the payment history. ( To help better understand, Ive attached below a copy of how XXXX XXXX is reporting ALL information ; displaying Balance, Past Due, Amount Paid etc. ) XXXX continues to VERIFY the account as ACCURATE when it has been clear as day the account has been reporting INCOMPLETE. ( XXXX, XXXX credit report is attached ; before minimizing the historical trended data to only reflect the accounts RATING ) Without all of this information, I have no way of knowing if you are keeping or planning on keeping information on my report longer than the law allows you to keep it. And no way of knowing what errors you are reporting -- without being able to see all of my file contents, I can not dispute errors that you XXXX have on it. This is very frustrating to not be able to see this information that you are supposed to be providing to me. If you wont give me all of this information accurately and completely, then please delete the account. I need Bridgecrest to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. To be clear, if you can not fix the inaccurate reporting of CHARGED OFF XXXX, XXXX then notify the CRAs for a deletion of this account from continuing to report onto my consumer report. Please be reminded of : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
04/19/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 76021	Web
OnXX/XX/XXXX my vehicle was repossessed for being past due. I contacted Bridgecrest to get details about how much was needed to FULLY REINSTATE the account to get my vehicle back. I first spoke with XXXX ( XXXX ) who said my vehicle was 81 days past due. I asked for more details about this and she transferred me to XXXX ( XXXX ) who explained I was due for {$770.00} for the account, {$300.00} for the repossession fee, and {$95.00} for the late fees ; Total = {$1100.00}. I advised I'd call back to pay. I called back that day and couldn't reach XXXX so I spoke with XXXX ( didn't get ID ). However, XXXX reassured me that what I was paying would bring the account due for XX/XX/XXXX for {$42.00}. I paid her {$1100.00} plus the processing fee for two payments because their system didn't allow the amount in one full payment. I told XXXX I would call back the next day and pay the {$42.00} for the XX/XX/XXXXpayment. I picked up my vehicle the next day but did not contact Bridgecrest again until Friday XX/XX/XXXX. At that time I spoke with XXXX who advised me, my loan was due for {$75.00} toward theXX/XX/XXXX payment. I disputed that verbally on the call and she apologized for the misinformation, reassuring me that it was {$75.00} to bring the account current. I asked her again was sure that my next due date would beXX/XX/XXXX. She said yes ( several times throughout the call ). I advised her at that time that I wasn't sure if i'd be able to pay the next payment until XX/XX/XXXX because of how I just paid them and my rent was due. She said to work something out because that would be too long without a payment. I advised I'll see what I can do. Thankfully, because of how my pay checks are falling I was able to pay 2-biweekly payments totalling {$430.00} with this weeks paycheck. When I called to pay I spoke with a representative ( didn't think needed to get ID ) who advised my account was 47 days past due 800 some odd dollars. I asked how so, and explained the same information explained as mentioned above. She transferred me to XXXX ( XXXX ) who apologized for me getting the wrong info. I disputed this again because at this point every time I call I'm getting apologized to for getting the wrong information. Therefore XXXX transferred me to XXXX ( Triplet - manager ). He tried t explain the payment breakdown and I advised him that I was told what I paid would bring my account current forXX/XX/XXXX payment and no fees. He tried his best to handle the situation by advising he would escalate the issue for review. Prior to all this I've had to request a representative no longer call me for being harassing on the line and her manager was the worst. Prior to that I've had to address Bridgecrest calling my cell phone 2 times in one minute. Prior to that I've had to ask for less calls because of excessive calling. Now I understand if I'm past due to call but there is a fine line when the calls become overbearing ( more than 2 calls per day - 1 in morning and 1 evening ). Because of the excessive calling I asked bridgecrest not to call my cell. No contact caused me to get the car repossessed prior to the most recent time. Therefore I advised it's okay to call. That's when I experienced the horrible service of that rep and her manager. I asked to be transferred to a different rep and for that rep to no longer contact me. ( she called 2 days in a row at this point ). XXXX ( XXXX ) advised the horrible rep was the one that put the cease and desist back on the account and it was her and her horrible manager who put my car up for repossession. That made me very uneasy, feeling personally attacked. As far as my loan is concerned : i've learned my interest rate is predatory and with all the payments i've paid so far i've paid for the sale price plus more at this point. My problems : 1. misinformation every time call 2. excessive calls 3. horrible customer service My Wishes : 1. account brought current as I was told it would be 2. limited phone calls ( 1/day only if I'm 30+ days past due ) 3. Loan reviewed for write off/paid in full
01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85395	Web
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL [ BRIDGECREST XXXX XXXX XXXX I dont recognize this Fraudulent account Im a victim of identity theft. It is your duty to protect a consumer who notified you of identity theft and remove accounts no later than 4 days of receipt 15 USC 1681 C-2, FTC IS ATTACHED. in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : Defamation of character negligent non- compliance Civil liability Mental anguish Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) Identity theft Despite two written requests, the unverified fraudulent items listed below remain on my credit report in violation of Federal Law. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore, you have failed to conduct the proper method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that you only contacted the company thats paying your financial institution to report this fraudulent item without my consumer consent. DELETE THESE FRAUDULANT UNAPROVE REPORTS NOW because The law is very clear as to the Civil liability and the remedy available to me the consumer ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer DELETE THESE accounts or I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA to prove how ( bureau ) committed identity theft furnishing accounts without direct consumer consent. Late payment This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand to remove this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30318	Web
To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. XXXX XXXX Bridgecrest Credit Company , LLC The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at ( XXXX ) Date ( XX/XX/2021 ). I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( XXXX ) did not disclose this information to me that is required by federal law. ( XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. ( XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. You are in violations of several federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. 15 USC 1691 a ( 3 ) ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. Best Regards XXXX, XXXX
11/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	VA 23607	Web
This response to Bridgecrest Acceptance Corporation 2nd response. From day one, all I wanted Bridgecrest to do, is to call all 3 credit bureaus to fix this so called split file problem, that never existed. Now from my first complaint I told Consumer Financial Protection Bureau that " Bridgecrest have not called not one credit bureau and they actually admitted they did not call the credit bureaus that they are required by law to do for there customers. I have a recorded conversations from both XXXX and XXXX admitting that Bridgecrest never called them, like XXXX XXXX say they did in the 2nd response, Bridgecrest still do not appear on my credit report and that this split file do not exists and have never existed. It 's all lies, there making it up! Why? CFPB want do an investigation, It 's obvious that they 're not telling the truth, just read there response. So if Bridgecrest all of a sudden call all 3 credit bureaus in reference to my complaint, so why Bridgecrest did not call all 3 bureaus months ago, when I called and ask them to do so, which they 're required by law to do, report and update customers data financial history. Why CFPB allowing Bridgecrest to commit law violations against there customers. Ask yourself this question, I been paying on a automobile from Bridgecrest/XXXX for 15 months, never missed a payment, the money coming directly from my account, so my interest still 22.792 %. Since XXXX XXXX, XXXX, the day I entered into there Interest Retail Installment contract. Every contract I sign goes into XXXX XXXX XXXX. Also I am the secured party ( File # XXXX XXXX for the XXXX XXXX XXXX. I have Power of Attorney ( Registered # XXXX, XXXX XXXX, XXXX XXXX Recorded in the Clerk 's Office of XXXX, Virginia also Authenticated ( # XXXX ) by XXXX XXXX, XXXX of XXXX of Virginia. Bill of Conveyance ( Registered # XXXX XXXX XXXX, XXXX ) as the GRANTEE of the XXXX XXXX XXXX XXXX Vin # XXXX. XXXX # XXXX. Bridgecrest several times, refuse to give me documentation of all records of accounting to show that the money that was loaned to me for the XXXX XXXX XXXX, where did the money come from? Can I see some documentation to proved if there was really a real loan. Now I 've been studying all types of laws for 10 years, I know that the United States is a federal corporation ( Title 28 Sec. 3002 ( 15 ), it 's been going through what is called Chapter 11, reorganization since XXXX, I know XXXX and XXXX XXXX XXXX destruction the XXXX XXXX XXXX and replaced it with a XXXX XXXX XXXX, to say this " there is no money '' that is why in XXXX Congress passed the Federal Tax Lien Act and placed the entire taxing and monetary systems of the United States under the Uniform Commercial Code. Now there 's no lawful money only legal tender, and there are four types of legal tender " Cashier 's checks, Money Orders, Certificates of Deposit and Promissory Notes '' That is why I went to my bank, which was XXXX XXXX got them to Notarize my " Promissory Note '' also to stamp it with a " Medallion Signature Guarantee Stamp '' along with her signature, making it legal tender. I mail my promissory note to Bridgecrest 3 times along with a notarized Affidavit of Discharge and Tender Acknowledgement and Authenticated ( # XXXX ) by XXXX XXXX, XXXX of XXXX of Virginia XXXX Bridgecrest refuse to accept my documents and never rebutted my affidavit. " an unrebutted affidavit stands as truth '' Ten Maxims of Law. Here 's another thing Bridgecrest, I never missed a payment, the money comes directly from my account, for 15 months, never late, so why have n't my interest rate went down, my interest rate should not still be 22.792 %, I have a credit score of XXXX with out Bridgecrest reporting my financial data to the credit, I do n't understand why it 's still 22.792 %. Bridgecrest hindering my way of life. XXXX XXXX is not accepted by any means.
11/02/2022	No	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 27616	Web
I wrote to Bridgecrest certified mail return receipt on XXXX ( letter attached ) requesting all of the required repo notices they were supposed to give me for the repossession in XXXX. They wrote me back and said they did not have my current address on file even though my current address is where they repossessed the car at in XXXX. Bridgecrest did not send the notices I requested ( see letter from them ). I called them on XXXX and requested all of legally required notices as I stated in my letter. I told XXXX, the charge off rep, that Bridgecrest was required to give me notice they were going to sell the car. She provided me the attached Notice of Disposition and Our Plan to Sell Property from XXXX via email, but sent me nothing from XXXX. I also told her Bridgecrest was required to give me notice of the date, time and place of the auction and allow me or my bidder to bid on the car at a public auction or if a private sale, they were required to give me the date of the sale. I have proof of the call where XXXX states they are not required to give me a notice of when they sell the car even though I told her it is required in NC ( attached screenshot of law from NC Attorney General website ). I asked her to email me all notices they have regarding my repo, before and after repossession, but she only emailed me the 2 attached notices. The Explanation of Calculation of Surplus or Deficiency notice that states my car was sold did not even have the amount on it that is on my credit report. There is an amount before expenses ( {$9500.00} ) and an amount after expenses ( {$10000.00} ) and neither of those reflect what is on my credit reports ( {$9900.00} ). I monitor my credit through XXXX and have provided screenshots of all 3 reports and what is reported. The date of last payment, last activity and other information is also wrong on all 3 of my credit reports. Bridgecrest is in violation of federal statutes regarding providing me notices surrounding the repo and reporting incorrect information to the credit bureaus. I sold my house in XXXX for a large profit. Had I been given written, required notice of the pending sale of the car and been given notice of when/where the car would be sold in public auction, I could have purchased the car in cash myself or sent a bidder. Or they should have given me notice of the private sale date. I disputed the Bridgecrest account on all 3 credit reports on XXXX. XXXX, XXXX, and XXXX are all in violation of federal statutes regarding accurate credit reporting as well. I am applying for a mortgage, and this illegal reporting of this Bridgecrest account is the only thing stopping my ability to get a mortgage. The only remedy I will accept is full deletion of this Bridgecrest account from all 3 of my credit reports. Bridgecrest ( XXXX ) has been sued many times and in class action lawsuits and are known for inaccurate and illegal credit reporting. Also, all 3 credit bureaus make it very difficult to dispute accounts. I tried 6 or 7 times to upload documents for the dispute on XXXX, but kept getting an error message to try again later or submit the dispute without documents. This goes against consumer rights because the reporting companies may deny my dispute without the pertinent documents I tried to upload. Also, all 3 credit companies have tiny file sizes for uploads and limited file types. They purposefully prevent consumers from uploading proof to support their disputes which harms consumers including me. On XXXX, I was only able to upload one letter as proof ( XXXX total size for uploads ) and on XXXX, I couldn't upload what I needed due to the only XXXX size and no screenshots allowed. This allows the creditors to not delete information because the 3 credit bureaus are preventing adequate proof from being uploaded.
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79705	Web
Inaccurate Reporting-Date Reported : Reported to CRAs as of XX/XX/2023 while account is in dispute This information is inaccurate because furnisher was notified of Dispute as of XX/XX/2023 and BRIDGECREST has violated the Fair Credit Reporting Act ( FCRA ) Bridgecrest reported that I owe {$14000.00} reported to CRAs, but the current balance showing on creditor statement is {$14000.00} Bridgecrest reported that I owe {$1000.00} that account is past due as of XX/XX/2023 reported to CRAs Reported and updated on XX/XX/2023 Bridgecrest reported that I owe {$1700.00} showing on the creditor statement as of XX/XX/2023. The FCRA prohibits a furnisher to report inaccuracies and any account status to a credit reporting agency that an account is in dispute from a consumer Violations include but are not limited to : 15 USC 1681s-2 ( a ), which is a section of the Fair Credit Reporting Act ( FCRA ) that requires the loan company to provide accurate and timely information to the credit bureaus, and to correct any errors or inaccuracies upon notice. 15 USC 1681m ( a ), which is another section of the FCRA that requires the loan company to notify the consumer of any negative information that is reported to the credit bureaus within 30 days of reporting it. 15 USC 1681i ( a ), which is yet another section of the FCRA that requires the loan company to investigate and resolve any disputes that the consumer raises about the accuracy or completeness of the information reported to the c redit bureaus within 30 days of receiving the dispute. 15 USC 1601 et seq., which is the Truth in Lending Act ( TILA ) that requires the loan company to provide clear and conspicuous disclosures of the terms and costs of the loan, such as the amount, interest rate, repayment schedule, and fees. 12 CFR Part 1026, which is Regulation Z that implements TILA and provides detailed rules and guidance for the loan company to comply with TILAs requirements. These violations can result in civil liability, administrative enforcement, or criminal prosecution for XXXX/BRIDGECREST. I the consumer can also seek remedies such as actual damages, statutory damages, punitive damages, attorney fees, and costs under these laws. Violations that BRIDGECREST committed by showing a statement different than what is reported to the credit bureaus are : Failing to provide accurate and timely information to the credit bureaus, such as the amount, status, and history of the loan, including Dispute status. Failing to notify the consumer of any negative information that is reported to the credit bureaus, such as late payments, defaults, or charge-offs. Failing to investigate and resolve any disputes that the consumer raises about the accuracy or completeness of the information reported to the credit bureaus. Failing to comply with the consumers request for a copy of their credit report or a statement of their rights under the FCRA. Charging excessive interest rates, fees, or penalties that are much higher than the market rate or the borrowers creditworthiness Failing to disclose or explain the true costs and terms of the loan, or hiding them in fine print or confusing language Misrepresenting or falsifying the borrowers income, assets, credit score, or ability to repay the loan Adding unnecessary products or services to the loan, such as credit insurance, extended warranties, or debt cancellation agreements These violations has harmed my consumers credit score, limit borrowing options, and expose them to potential lawsuits or penalties. I the consumer can sue the company for damages, attorney fees, and costs under the FCRA that the company acted negligently or willfully in violating my rights. Violations to include : Breach of Contract, Unfair or Deceptive Practices, Predatory Lending
10/04/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32225	Web
I was forced into purchasing another vehicle because I was one month into a brand new job. In XXXX of XXXX, I filed for divorce and my spouse successfully ruined me financially by going into his bank account and disputing all of the charges that were made to pay our electric, internet, mobile and my car payment, without notifying me of doing it. I found out when I walked outside on a Saturday morning to no car in my garage. My car was repossessed, I transferred money out of my IRA and paid the balance in full with cash to get the car out of repossession Monday afternoon to find out the car was already shipped to auction. After being completely defeated, I decided the only way I could keep my job was to purchase another car. I tried to find the cheapest car, which was a XXXX XXXX XXXX, the most basic model. I was not aware that on top of the insanely high 15 % interest rate, I was also financing a GPS software monitoring system that stopped working 6 months after I signed the contract. Bridgecrest Financial has been the worst auto finance company I have ever dealt with, and this is on top of my dealings with XXXX XXXX XXXX, - complaint number XXXX. I had made payments every other Friday using autopay up until I lost my job at the beginning of the Pandemic. I had been in constant communication with Bridgecrest about the loss of my job, income, grandfather and later my aunt to the XXXX XXXX. I explained the situation, in its entirety to Bridgecrest almost daily from XX/XX/XXXX - XX/XX/XXXX. They literally called me every single day, multiple times a day and they assured me that Bridgecrest was doing everything they could for their customers during this time and there was no need to worry about having the car repossessed. I was very relieved, considering I had such a traumatic experience with XXXX XXXX and was still responsible for making payments on my other vehicle, that wasn't even running after being shipped back from the Auction. This all happened in XXXX. I applied for Florida Unemployment XX/XX/XXXX and did not receive my first benefit payment until mid/late XXXX and paid the balance the minute I realized money was in my account. Had I known that Bridgecrest was going to report this to the credit bureaus, I would have sold something to make the payment as I have been trying so hard to get my credit in better shape. I don't have proof, but because of the amount of phone calls and communication, I feel like at some point I had to have asked if there would be any negative credit reporting. I would not have allowed my credit report to have another late payment on it, but sure enough, it is there and they refuse to remove it even though they expressed several times that I was doing a great job on the loan and I did not need to worry about repossession. I feel very betrayed by Bridgecrest and that they did not uphold their public duty to help their customers, who were/are the most financially vulnerable under the pandemic. This late payment has destroyed any chance that I have to purchase my first home within the next year. Granted, my ex husband is the ultimate cause of the unfortunate events that led me to even finance with this company, I also felt like they understood and were working with me as I explained that I had the money coming, but the state of Florida dropped the ball on the unemployment and I had to go to the news before getting my application pushed through and funds released. Every other financial institution that I currently work with has made every effort to help American 's throughout the Pandemic. Bridgecrest mislead me in the initial contract by having me finance software that does not work and was not explained to me. And even more so by refusing to delete the missed/late payment for XXXX.
08/11/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NC 27406	Web
On XXXX my ex-husband and I purchased a used car for our XXXX year old daughter. Due to some past credit issues, I was limited to where I would be able to obtain financing. My daughter and I found a 2012 XXXX. My ex-husband gave the dealership a cashier 's check for XXXX from his XXXX XXXX XXXX XXXX Account. I contributed XXXX case for a total down payment of XXXX. Payments were set up to be drafted from my account bi-weekly with the first payment scheduled for XXXX. I had been alerted to a situation with a coworker that involved XXXX XXXX repossessing her vehicle before the first payment was due. However, I dismissed this as a simple human error. However, on XXXX, I checked my account to make sure that the payment had been drafted. Oddly enough, on that date, I had a missed call on my cell phone from a toll free number. I returned the call and it was in fact Bridgecrest, the financial entity for XXXX XXXX. The Customer rep had no record of why anyone had called me and checked my account which she stated had a payment of XXXX that had been drafted as scheduled on XXXX. She could find no issues with my account and thanked me for being a new customer. However, she did place me on hold to research why someone may have called me. Since I was on lunch break and had returned to work, I hung up when no one picked up after 5 minutes or more I had no reason to believe that there was an issue with my account. On XXXX, I received a call from my daughter from the principal 's office at her school. The car had been reported stolen from the school parking lot. Law enforcement however reported to my daughter and the principal that the car had been repossessed. To summarize a 4 hour horrific ordeal, Bridgecrest Bank accused my ex husband and me of making the XXXX down payment with a bogus check, stating that the check was on a closed account. They also stated that the conversation I had with the representative on XXXX was in reference to a bounced check for the down payment, that the car would be repossessed and that they had made countless attempts to collect from me. ( I asked for a transcript of this conversation but have yet to receive it ) Per their instruction to have the car returned to us, XXXX XXXX XXXX provided them with confirmation via email/fax and phone that the check was valid and the funds had been drafted from the account in the form of the cashier 's check. For nearly 4 hours, my ex-husband and I were transferred to various extensions and given numbers to call with no one answering. We were accused of fraud in spite of the information from the credit union regarding the validity of the cashier 's check. We did what was asked of us to prove that the check was good and the result was that they were cancelling the contract. I do n't know what this has done to my already less than perfect credit rating, my daughter has no transportation, she was humiliated at school in front of her peers. I feel as though my character has been assassinated and I do n't know what to do next. When I purchased the car I was told that there was a GPS tracking device installed on it that I could activate to keep track of my daughter since she is an inexperienced driver and also that I would receive a discount on my insurance premium as a result of the GPS service. I never activated the GPS but I am certain that it was used to locate and repossess the vehicle. I believe that we are the victims of unlawful business practices and fraud. I am most definitely seeking retribution in this matter preferably in civil court. I am certain that this corporation has engaged in practices such as this on a regular basis, targeting people who have few options for financing. I do n't know anything else that this can be other than outright fraud.
06/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21060	Web
This is my second FCPB complaint about Bridgecrest. The first was about the fact that they were reporting late payments not according to CARES Act. This report is about how they are reporting. I am including XXXX in this complaint because the dispute was closed. They accepted Bridgecrests certification as accurate without reviewing at even a high level. They should have noticed that the past due amount was less than the required monthly payment amount for several months reported as 30-60 days late. My monthly payment is {$470.00} a month. According to guidelines a payment can not not be reported until 30 days past due. Based on this, any past due less than my normal payment amount should not be reported. Payment amounts two times my regular payment amount ( {$950.00} ) 30-60 days late. Three times my monthly payment ( {$1400.00} ). I submitted a dispute to XXXX XX/XX/XXXX. Bridgecrest sent back the following findings and certified them as accurate XX/XX/XXXX - past due $ XXXX reported 30-59 days late.Should not be reported. XXXX XXXX past due $ XXXX reported XXXX days late.should not be reported XXXX XXXX past due $ XXXX reported 60-89 days late.should be reported XXXX XXXX XXXX past due $ XXXX reported 30-59 lateshould not be reported XXXX XXXX past due $ XXXX reported 90-119 days lateshould be reported as 60-59 days XXXX XXXX past due $ XXXX reported 90-119 days lateshould be reported as XXXX Further, Bridgecrest is reporting my last payment dates incorrectly. The following is what Bridgecrest reported as of the last day of each month in comparison to what my payment record states. XX/XX/XXXX - Bridgecrest reported last payment received XXXX Payment record shows last payment was XX/XX/XXXX XX/XX/XXXX - Bridgecrest reported last payment received XXXX Payment record shows last payment was XX/XX/XXXX XX/XX/XXXX - Bridgecrest reported last payment received XXXX Payment record shows last payment was XX/XX/XXXX XX/XX/XXXX - Bridgecrest reported last payment received XXXX Payment record shows last payment was XX/XX/XXXX XX/XX/XXXX - Bridgecrest reported last payment received XXXX Payment record shows last payment was XX/XX/XXXX XX/XX/XXXX - Bridgecrest reported last payment received XXXXPayment record shows last payment was XX/XX/XXXX This is continued throughout the life of my loan. It appears as if Bridgecrest may be calculating my late days based on the last day of the reporting month but only applying payments as of the first of the same reporting month. Bridgecrest should not be allowed to calculate my late status as of XX/XX/XXXX but apply payments as of XX/XX/XXXX. Bridgecrest not only reported unfair latenesses to the CRAs. The information they are reporting is also inaccurate and/or not in accordance with regulations. I am asking that not only does Bridgecrest review my entire tradeline for inaccuracies and correct these inaccuraciesbut that the FCPB investigate/audit their credit reporting actions overall. Reviewing the CFPB complaints, the XXXX complaints, reviews on their own social media, lawsuits brought against them concerning their credit reportingit is apparent they are consistently not following the regulations as outlined by the law and/or the CFPB. Accurate credit reporting is imperative during these unpredictable times. It has a significant impact on quality of life for its consumers. I have attached the tradeline report submitted to XXXX by Bridgecrest after closing my dispute. This information was certified as accurateby Bridgecrestas of XX/XX/XXXX. My complete payment history is also attached. This was pulled directly from Bridgecrests customer portal. There are several inconsistencies.
08/10/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30809	Web
Both these companies are in violation of 15 U.S.C. XXXX XXXX, Consumer Credit Protection and 15 U.S.C. 1691, Equal Credit Opportunity Act per the following : I purchased this vehicle and appreciated how upfront XXXX appeared but was repeatedly caught off guard by undisclosed items, maintenance issues, and stipulations. Your auto loan is NOT financed via XXXX but a predatory lender ( Bridgecrest ) with mounting negative customer complaints. I had no idea they were my lender until I started receiving calls and emails from them OUTSIDE of the 7-day grace window. They engaged in loan churning, inadequate and false disclosure, risk-based pricing, and subprime loans. They dont make pivotal info clear in the beginning and even your docs elude to remaining with XXXX which informed my decision to purchase. I research all companies that I spend my money with and would have NEVER purchased via XXXX if I knew they financed with this shady company. I have subsequently had several issues with Bridgecrest as the financer to include learning that the 26 % interest rate that I have is ILLEGAL, a rep patronizingly informed me that this rate was very common over the phone and that I had to contact XXXX to have it changed which was false information. XXXX indicates there is nothin they can do. I then attempted to make several payments to lower my principal balance in XXXX which has resulted in further issues and despite attempting to address those issues in XXXX ( on a recorded call they refuse to pull ) and being reassured that I was again caught up I have made 4 ( FOUR ) payments on-time back to back and they have ALL went to interest only with only recent payments partially and inconsistently going to my balance. A recent rep even stated she wasnt sure why my payments were being allocated the way that they were, but after speaking to management she gaslit me as if it was my fault for not understanding the discrepancies they refuse to address as recent as today, XX/XX/2022. Furthermore, My vehicle smelled like pet XXXX and drool and I am allergic. The smell was slightly masked initially by their air freshener but despite using several others it wont go away. XXXX refuses to address this and only gave me {$100.00} when I was promised the full detail amount which is closer to {$400.00}. The car was NOT CLEAN AT ALL when I got it and they tried to skimp me on getting it detailed and kept putting the blame on me. It will cost a total of nearly {$400.00} for a complete detail as I am XXXX. Their marketing materials falsely assure customers that they go above and beyond with cleaning especially during a XXXX pandemic. The car conveniently had multiple issues arise just outside/around the 7-Day grace period. The XXXX XXXX department that I went to was extremely concerned and alluded to XXXX being shady as in her 30 years of experience shes never seen a new XXXX XXXX with so many issues and that it wasnt normal after having to have it serviced more than 4 times since purchase. Your time and resources are then wasted to get their vehicle up to par because they DONT fully disclose these things on the vehicle listing and lie about the level of preparedness the car is in. I spent over {$500.00} in additional transportation to just get it serviced which is again a disservice to me as I am XXXX and these cars supposedly go thru extensive maintenance and preparations prior to sale. Also, the mileage was actually nearly XXXX OVER what was on the website and documents as well. Several XXXX customer service reps failed to follow up on additional website issues and one was extremely rude and condescending as he was unable to read my documents.
04/27/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19144	Web
On XX/XX/XXXX, after test driving, examining, and the assurance by the dealership that all of their vehicles were thoroughly inspected prior to sell, I purchased a XXXX XXXX XXXX ( XXXX/mi ) from the XXXX listed above along with a 30-day warranty by the dealership and a 5 year/50,000 mile warranty plan from XXXX , paid monthly, which I was told was an excellent plan in the unlikely event that certain vehicle components failed within a certain timeframe. Unfortunately, after researching this company, had I been warned of the owners felony history and unsavory practices and transaction, I would never have done business with XXXX XXXX XXXX , XXXX. After only six ( 6 ) days from purchase the vehicle began to make noises and the dreaded yellow engine light on the instrument panel came on. I contacted the dealership immediately and was directed to take it to XXXX where the vehicle was assessed as having NO oil. I had been driving my family around in this vehicle unaware that it had no oil which probably caused engine problems that have resulted in my present serious and critical problem with the vehicles engine. After having the vehicle assessed at XXXX I assumed that all was well. This, again, was a major mistake. Two months later the vehicle began to make an even louder noise, but this time it cut off several times in the middle of traffic while driving my XXXX, XXXX, and XXXX-year-old to school and daycare. I had to call out of work that day in order to get this situation resolved and after much back and forth between the dealership and the warranty company, I was responsible for paying to have it towed to the dealership, as directed by XXXX. Once at the dealership ( XXXX XXXX ), after both XXXX and I getting continuous runaround by XXXX, XXXX diagnosed the problem as metal shavings which clogged a critical component in the engine which they cleared. Because these were metal shavings, without further assessment, which XXXX denied, the problems could reoccur. This means that wherever these shavings came from not only will they continue to clog the engine, but that component will fail as well sometime soon. I am paying a steep amount for a vehicle that puts my children and I in physical danger and has me in fear of driving the vehicle at all. It is unfortunate that I have only received the run-around for the past five days between speaking with XXXX who referred me to XXXX ( and back and forth between the two ) continually. It is even more unfortunate that after being proactive in calling Bridgecrest to make payment arrangement ( because I could not afford to continue making on-time payments after paying for towing and transportation rentals ), Bridgecrest not only denied my request for payment arrangements, they also assessed overdraft and late fees. I have explained the situation repeatedly, been charged personally with having the vehicle towed to the dealership, am paying continuously for XXXX and XXXX transportation to and from work and picking up my children, borrowed my mothers vehicle ( also from XXXX ), etc., all of which has taken up a lot of time, caused undue uncertainty, and unnecessary inconveniences for my family and me, in addition to paying for a vehicle and a warranty for a car I can not use. I was warned that if I attempted to bring the vehicle back or decide not to pay my monthly bill of {$430.00} to Bridgecrest, it would be considered a voluntary repossession with additional charges assessed accordingly. The stress and frustration caused by this situation has been astronomical and I would like it resolved immediately so that I can get back to the daily activities of a working single parent.
01/10/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85340	Web
History of account : I am a co-signer on XXXX XXXX XXXX auto loan for my husband, XXXX who is an immigrant from XXXX trying to establish his credit. We have had this loan for over 4 years and NEVER had a reported late. In appx XXXX XXXX actually had a corporate wide credit reporting issue and for 7 months had to pull ALL their reporting from the bureau while fixing it. This resulted in us losing an established credit account from our files ; significantly dropping our credit scores during that time and forcing us into sub prime lending. The histories were added back to the bureau, it increased our score but no renumeration was given for the higher rates of interest we had to pay on new accounts established during that time. We had been using their only auto pay option though XXXX XXXX. Current issue : In XXXX, XXXX XXXX sent me an alert that a company called Bridgecrest ( whom at this stage I had never heard of ) placed a XXXX late on our credit file. I called to find out who the company was and was told they bought out XXXX earlier in the year. I escalated to a team supervisor named XXXX who pulled my file and it was determined that XXXX XXXX was " likely '' at fault for not transferring the auto draft. He gave me the number to call XXXX. I escalated to their supervisor who informed me that the issue lay solely with Bridgecrest and refused issue an email stating that XXXX had acted in error. I was only directed back to Bridgecrest who continue to this day to disavow any responsibility with their XXXX party provider ( they now provide their own auto pay internally ). We immediately caught up the late pay plus the current bill and set a new auto pay with Bridgecrest themselves. After a great deal of being pushed back and forth, I gave up for awhile. That is until the XXXX credit report came out and I saw it dropped our scores by XXXX points. We are closing a new home on XXXX XXXX and this has put us into a much higher interest rate for the new home we are currently buying. It will cost us an added {$270.00} a month! I called Bridgecrest back again to plea bargain for a courtesy removal of the late reporting under the justification that it was a shared responsibility. Same scripted response. I politely told the rep that I would be forced to involve the CFPB. It was ignored. She claimed there had been XXXX calls made. I told her it never happened and asked to have a recording of any calls they supposedly tried to make to me or any letters showing that XXXX or Bridgecrest had ever sent us a letter of introduction to Bridgecrest. At this stage she became politely frustrated and transferred me to a supervisor named XXXX. XXXX listened sympathetically, looked at the phone log and informed me that one of the numbers they had been calling was a bad number. The other number they had was mine. She said they have no ability to pull a record only to see a call log. I asked if they would have identified who they were when calling. She said they would likely only say : '' This is Bridgecrest and we would like to speak to XXXX XXXX ''. I have no recollection of ever receiving a call nor did they call from any of the XXXX XXXX numbers saved in my phone. However, they are still working numbers that go directly to Bridgecrest. My point being it was an unrecognizable company and phone number. If I did n't know who Bridgecrest was, I would have assumed they were sales people and blocked them. She also did n't seem to know who CFPB was. She gave me her extension and suggested I call XXXX XXXX again and try to get them to send an email stating it was their fault ... which brings me XXXX degrees back to where I started.
02/20/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 60115	Web
To whom it may concern : Per my last request in regard to legal documents and proof of sale, the deficiency and surplus, when the car was sold and proof that you rightfully repossessed the vehicle, I have some questions concerns and request. Per The cfpb complaint that was sent prior to this one I was contacted by phone as well as email in regards to an explanation form that was sent Ive attached it to this complaint nevertheless, my first question is why on my credit report is it reflecting the balance of XXXX but on the explanation email it reflects XXXX after the car was sold, if my last payment was XX/XX/20 and you sold the car in XX/XX/20 Im also certain that I never receive proper documents nor did you all follow procedure to repo this car legally, in other words I never receive any communication nor documents before the car was sold, the inventory of my belongings yet alone the actual belongings, nor was I contacted prior to the car being auctioned or sold, didnt receive a notice to redeem the vehicle. Documentations that were not received and that Im requesting proof : - Notice of redemption - Notice of application for a title - Inventory of items that were left in the vehicle. - The physical items that were left in the vehicle. - Didnt receive a 45-day notice to redeem items. - Notice of my rights to redeem the vehicle being that it was 58 percent paid off. & was not sent in three days of repossession which would have provided me with 21 days to pay off the balance. - Didnt receive a notice that informs me of your intention to apply for title to the vehicle from the secretary of state. - Presale notice with time date and location of the sale. - The sale must be commercially reasonable which mean creditor can not sell the vehicle for a price that is significantly lower than its average market value. - Post-sale notice that tells terms of the price that the vehicle is sold for and amount that remains on the balance. Things to keep in mind : If a consumer left personal property inside of the vehicle, the repossession company should create an inventory of their items and they should give the consumer a period of 45 days to redeem them. They are not allowed to keep or sell the consumers property and are required to provide the consumer with the vehicles location so that they can reclaim their items. If the consumer already paid off more than 30 percent of the total loan amount prior to the repossession, the creditor must send them a notice of their right to redeem the vehicle. This notice has to be sent to the consumer within 3 days of the repossession and it will provide them with a period of 21 days to pay off their balance. The consumer will be able to redeem their vehicle and reinstate their pre-default rights if they can catch up on their outstanding payments and pay for any late fees or costs associated with the repossession. However, for the duration of the consumers contract, they will only be able to use this method of redemption once. If the individual already used the previously mentioned method or if they did not pay off at least 30 percent of their loan, they can redeem the vehicle at any time before its sale but only if they can pay the full amount that remains on the loan. This would include any accelerated payments, as well as reasonable expenses by the creditor. According to the FDCPA if these documents were not supplied, its a violation by breaching the peace. Please provide the procedure steps and process you followed to ensure that the vehicle was rightfully repossessed and that all notice were sent, and all measurements were followed legally. Best regards.
12/18/2021	No	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 19013	Web
I am filing this complaint on the count that Bridgecrest continues to fraudulently attempt to collect an alleged debt despite the fact that the United States corporation is obligated to all promissory notes, coupons, bills, checks, etc. confirmed by Title 18 U.S.C. 8. Every/ all utility companies have committed embezzlement, theft by deception, and extortion by failing to discharge all debts according to 73rd Congress. SESS 1. CHS. 48 49 June 5, 1933 HJR 192HR 1491 PUblic Law 1 48 STAT 1 Public Law 10 Chapter 48 Stat 112 Public Law 73-10 40 STAT 411 Trading With the Enemy ACT XX/XX/XXXX. Companies have mailed through the US Mail an intentional misrepresentation of facts, unfair business practices and each utility company and agents thereof have knowingly with forethought and malice created fraudulent debt, defrauding the consumer, that is the recipient of DIVIDENDS, that the companies lead the recipient to believe through the deception of an invoice. So every company has created a convertible and fraudulent debt. Your company has failed to pay off any of the public debt but rather unlawfully redirected the ill-gotten gains into a private corporate account which occurs in violation to the incorporated against laws established and a result of the US Bankruptcy Act of 1933, which confirms there is no money as a result of no real assets backing the " money. '' There are only bank notes which are a promise to " pay '' and a debt can't be paid with debt. Since the United States took the only form of payment, in gold and silver, from the people, all debts are to be discharged as agreed but the utilities companies ( and banks ) have not discharged any debt, but rather gave the illusion and violated the natural person by putting the consumer deeper in debt causing damages and loss of livelihood. Not a single notice has come to me telling me that the monthly statement is actually a dividend or coupon to me. All alleged invoices are dividends and/ or coupon to the consumer and all services should remain active. Next, your firm has violated FDCPA 15 USC 1692g ( a ) ( 1-3 ) as it never took the proper protocol in the attempt to validate an alleged debt. Might I also add that one of the violations of the Truth in Lending Act, determination of a Finance Charge, was misleading in the Retail Installment Contract as Congress defines the Finance Charge ( Under the TILA ) as the sum of all charges payable to the creditor but the RIC Bridgecrest provided defines the finance charge as the " cost of credit. '' This is fraud given the consumer has an open-end credit plan and all debts are prepaid. I would like to point out that the debtor can assert claims and defenses against the seller and I have a right to recovery the amounts paid. Some of your responses have been vague and quite frankly, insulting so I also have some questions. Were the funds to be paid to the alleged borrower? The check written, does it represent an asset of the bank? Is it a bank policy to first deposit money into an account before writing a check on that account? Where did the funds originate to fund the check? Did the bank originate the funds for the check or did the borrower originate the funds for the check? To the best of your knowledge, where did the funds originate from? Did your firm issue a check based on the value of something in exchange for the loan? What asset was used to issue the check? Can banks loan money and does the law provide what kind of money the banks can loan? What did the bank have to loan the alleged borrower in order for the bank to legally own the promissory note?
01/04/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PA 19020	Web
XX/XX/XXXX - I called XXXX XXXX about getting a vehicle at the XXXX, PA dealership. They ran my credit and told me I was approved only needed {$600.00} down XX/XX/XXXX- I arrived at XXXX XXXX sales rep told me things changed the vehicle was no longer available that I chose ( cheaper model ) and they only had higher priced vehicles available. He also told me that if I really wanted the vehicle I would have to put {$1000.00} down instead of {$600.00}. I explained that I really needed a vehicle and was counting on the lower price car for my budget. They told me the only vehicle they had was a XXXX XXXX XXXX selling for $ XXXX with over XXXX miles. XX/XX/XXXX- Came back up to XXXX XXXX my grandparents helped me with my down payment and I took possession of the vehicle. They told me they were going to allow me to make a payment every XXXX weeks of {$210.00}. My total monthly payment was {$420.00}. I told them I could not afford that. They said do not worry we will work with you if you run into any problems. XX/XX/XXXX- My job laid me off XX/XX/XXXX- I was offered a new job starting on XX/XX/XXXX XX/XX/XXXX- Called Bridgecrest ( Finance Company that XXXX XXXX owns ) who is financing the vehicle and informed them of my situation and that my payment was going to be late. They were rude, called me a liar and demanded I pay my payment. XX/XX/XXXX- Paid XXXX XXXX my first payment {$210.00} My family assisted me XX/XX/XXXX- Second payment of {$210.00} is due told them I was not due to get my first check until after XXXX again they were very rude threatened to repo the vehicle XX/XX/XXXX- Received my first paycheck- Called Bridgecrest to pay my bill and they refused to take the payment told me my vehicle was out for repo-later that evening my vehicle was picked up. XX/XX/XXXX- Spoke to manager who explained that I could not get the vehicle back they made a business decision to resell the vehicle at the same XXXX XXXX dealership. They explained that they would not hold me accountable for the loan and they would return the {$1000.00} down payment. And nothing would be reported to my credit report. I asked for this in writing and they told me they needed to inspect the vehicle and see what mileage was on the car. When I asked why they took the vehicle if it was not 30 days past due she informed me that they do business differently than all of the other finance companies. I told her they do illegal predatory lending practices and they need to be investigated. They put people in vehicles that they can not afford. I picked out a cheaper vehicle and they gave me a higher priced vehicle with a higher monthly payment knowing that I may struggle to pay it but my back was up against the wall since I really needed a vehicle for my job. This company needs to be investigated for their practices. They are doing illegal things to the consumers. I have been trying to get the letter showing that they will not hold me accountable for the loan and that I owe them nothing and that they will not place any derogatory ratings on my credit report and they will return my down payment of {$1000.00}. I want them to be removed completely from my credit report. I asked for a copy of my contract since the repo guy would not let me get a copy out of the car and I still have not received a copy of the contract. They claim part 3 of the contract states that they can repo the vehicle if the payment is not 30 days late. If you look at all of the reviews there are millions of complaints against XXXX XXXX/Bridgecrest they need to be investigated for predatory lending.
07/31/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MD 207XX	Web
Bridgecrest exemplified unfair business practices especially in the area of payments and false repossession. This company is a predator on those who are struggling with their credit scores and even payments. This company was fined over XXXX XXXX dollars for harassment and inaccurate and false credit reporting, and then their name was changed from XXXX to Bridgecrest and the unfair false practices continued. They changed their name to hide false practices and lawsuits. I was sold a vehicle that cost thousands of dollars in repairs including leaking oil and transmission issues. But inspite of this I kept making my payments. I became ill in XXXX and informed them of my circumstance. As a result of my illness, there is still an on-going recuperating process. They offered me a Modification in which I agreed. I spoke with two Supervisors who were very professional in assisting me with the Modification namely, XXXX XXXX and XXXX. During this time my health began to deteriate. I kept in contact on a regular basis with them letting them know of my condition and financial status. I had a good payment record prior to my illness. On XX/XX/XXXX, to my total surprise, my car was repossessed. I did not receive any written notice that this action was going to be taken. I did not receive any written notice nor did I sign for anything stating that I was in danger thereof. This is illegal! Furthermore, I spoke with XXXX in the re-instatement department that gave me information on how to regain possession of the car. After speaking with her, I spoke with Supervisor XXXX XXXX who reinterated the same. Ms. XXXX informed me that I would have to come up with an absorbent amount to regain the vehicle. Again, I explained I never received any written notice nor did I sign for anything stating I was in danger of repossession. Ms. XXXX explained that if I wanted to regain the car, I had until XX/XX/XXXX and after that the car would be sold. She expressed that the car is scheduled to be sold after XX/XX/XXXX. I reached out to her several times prior to this date to inform her as to where I was finanacially in regaining the car. Again I was told I had until XX/XX/XXXX. On XX/XX/XXXX I phoned Ms. XXXX to let her know that I was not going to be able to get the car back because of finances. But I was told to call back in 2 hours as she had not arrived for work. I went to XXXX XXXX, the repossession company to obtain all of my possessions out of the car. While in route, I received a call and as a result the funds that was required to regain the car was now on-hand and redily available. I arrived at the XXXX XXXX excited that I could now get the car back. I phoned Ms. XXXX again to let her know that I would be getting the car back, but she still had not arrived. It was too my total surprise upon arriving and speaking to the clerk at XXXX, that my car was not there. The clerk informed me that my car was sold two ( 2 ) days prior on XX/XX/XXXX. I refuted that claim stating that I had until XX/XX/XXXX according to Bridgecrest. She reinterated that the car was indeed gone and sold two days prior. All of my personal belongings were violated and thrown in trash bags. I took possession of these bags and left the property. Less than 48 hours later, Bridgecrest reported my repossession to all the major credit bureaus with an astronomical amount. The amount was indeed not the correct amount. This is unfair practices and needs to be investigated. Again I never received any documentation that I was in jeopardy of repossession. This is against the law.
11/05/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 45013	Web
Please review Bridgecrest 's practices. I have had my car loan with them for XXXX years. During that time I have had occasions where my payment was late for a variety of circumstances. Recently, in XX/XX/XXXX, they repossessed my car. I admittedly was past due, so I appreciated that they worked with me, and I was able to scramble to gather the needed funds to pay what was needed to get my car back. I have been paying consistently since. However, I woke up this morning and my car was gone. I was shocked, because I was about to make my payment that was due XX/XX/XXXX ( I got paid XX/XX/XXXX, I've been requesting that they move my due date to my pay day for XXXX YEARS, but they have been unwilling to assist me with this request ). Since the payment due date was only XXXX days ago, there was no reason to think I had cause to be concerned. I borrowed my wife 's car to go to work today, because I was already late because of this. Still thinking it was stolen, I wanted to call the police, but had an exceptionally busy day and couldn't. I got home and found that there are drag marks from where I was parked, out of the lot, and across the street. Since I couldn't figure out what respectable company would drag a car like that, I called the police to get the theft report filed. To my surprise, the officer I spoke to let me know my car had been repossessed. It turned out that I had not returned a document I had been sent to update the title ownership after the XXXX repossession. Apparently, although they were listed as the lienholder, they were quick to update it to remove my borrower ownership in the car when it was repossessed. They did this even with my talking to them daily about where I was in getting funds together to get my car back ; I don't understand why this was completed when I was making efforts to resolve the problem!! I received XXXX letter about the title, but we are in the process of moving, and I could not find it to complete this. They sent me a new copy, and I was working on getting what they needed back to them. They needed me to sign the document, get them a copy of my insurance card, and a copy of both sides of my driver 's license. I, like most people, don't have a copier at home, so it took a few days to get that done. Additionally, the document needed to be notarized. So, I was trying to find a notary. I didn't notice until after the fact, but the letter says that if I didn't return it by XX/XX/XXXX, I would be in default of my loan contract, and they could take possession of the vehicle. The letter was dated XX/XX/XXXX!!!!! That is SEVEN calendar days!!! How is that a fair or reasonable amount of time?!?! I even received a phone call reminder to turn this form in, but was not advised there was a chance my car would be taken to alert me of the urgency. I feel like I was set up to fail. I paid all my fees to them before to get the car back, so they know there is a good chance I'd be willing to do it again. I beg you to look into this as an unfair business practice. I admit the title document should have been completed sooner, but they are still the leinholder, and should be on the title! Not updating it was probably a bigger problem for me to not have matched registration than for them!! Please help me. I want my car back, but if there are exorbitant fees associated with getting it, that is not just unfair, but is creating a major hardship. Also, I am sincerly concerned that if I am able to get it back I will be looking at possible damage to it from the way it was dragged.
08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89134	Web
To whom it may concern : I would like to file a formal complaint against the company : Bridgecrest ; with whom I have a 72 month lease for an auto loan of a XXXX XXXX XXXX. Account : XXXX I would like to state, before submitting this complaint I have contacted the company several times trying to resolve these issues. Which has left me with no other option. A certified letter was mailed XXXX XXXX XXXX. Which I did not receive a response too. I contacted the company via phone in XXXX, & XXXX requesting for a supervisor in the credit department to follow up with me, no one has ever called back. In XXXX of XXXX, after being on time with payments for 20 months, I fell behind due to being XXXX which I informed the company. I pleaded to receive one good will adjustment for the late payment, which they did not offer. I did made sure to stay on time with all payments because I seen that this company does not care about the personal matters of their customers. 10 months later, in XXXX of XXXX Bridgecrest reported a late payment, even though on my end the payment was made in time. I made my payment on XX/XX/XXXX, however the company did not process it until XX/XX/XXXX. Which now, marked me as 30 days late to the credit bureaus. 3 weeks later, on XX/XX/XXXX I received an email from my credit monitoring service, stating that Bridgecrest had closed out the months report, and as of XX/XX/XXXX I was being marked late for that month. Which on my account dashboard, I had until XX/XX/XXXX to make the payment. I called in asked why was the month already being reported, and it was only the XXXX of the month? I was assured that this would be cleared, which it was not. I informed the representative that I was going through escrow for my new home, and could not have this report late, especially when the payment was not. Bridgecrest did not correct this problem, and I was denied the loan for my home. This has been one of the most emotionally distressing companies Ive EVER dealt with. Ive spoken to multiple account managers, and none have offered any kind of assistance. Again this month, XXXX XXXX a payment was made on XX/XX/XXXX at XXXX, ( time stamp on my confirmation email ) Per Bridgecrest, all payments needed to be made by XXXX PST to prevent account being reported as late. Bridgecrest did not post this payment until XX/XX/XXXX, 3 days later. When the payment was made on time. They are now stating that this payment as well, will be reported as late. This is inaccurate reporting. I have included time stamps of recent email confirmation, along with letter that was mailed in XXXX ( before additional late payments were added ). Also included a copy of Bridgecrests website that states payments are posted when made, which is false. As a consumer I find it very hard to believe that companies can completely ignore the law and get away with it. The law states that at no point should there be a late payment reporting to my consumer report and it should not include an transactions or experiences between me the consumer and any person making a report. T hese are clear violations of my consumer rights under 15 U.S. Code & 1681a. 15 U.S. Code & 1681a1 and also 15 U.S. Code & 1666b I am asking for the company to remove all late payments that have been reported to my account. Dates : XXXX XXXX XXXX XXXX This has had a direct impact on my mental and physical health. These illegal reportings are preventing me from being able to care for myself and my children, and also causing emotional distress.
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46219	Web
Attached you will find a copy of my XXXX credit report dated XX/XX/XXXX which clearly shows the inaccurate reporting of my account with Bridgecrest. The account is till reporting on XXXX as open with a {$27000.00} balance and a monthly payment of {$590.00}. This inaccurate account reporting is a violation of the FCRA as the account was paid off on XX/XX/XXXX, the account is closed, no balance owed and no monthly payment. I have disputed this account directly with XXXX and XXXX. I have filed a complaint with the CFPB for Bridgecrest, XXXX and XXXX. Nothing seems to be working to correct the inaccurate reporting of the account. This error has cost me dearly as it appears to anyone who views my personal credit reports that I have multiple auto loans open and my debt to income is way too high. This major error showing a monthly payment of {$590.00} directly caused me to be denied a credit limit increase and denied a personal loan due to the amount of FALSE debt that the Bridgcrest tradeline is showing on my credit reports. Bridgrecrest responded to the CFPB on XX/XX/XXXX and stated they did nothing wrong and there reporting is accurate. Direct quote from Bridgecrest response to the CFPB XXXX XX/XX/XXXX, we have received four indirect disputes filed by XXXX XXXX XXXX the CRAs, which alleged the account was being inaccurately reported. We confirmed the accuracy of the last report filed with the CRAs and confirmed that we were accurately reporting the tradeline. We responded as such to each of the corresponding CRAs in accordance with the Fair Credit Reporting Act. I would like to point out that every time Bridgecrest responded to the CRAs for my direct disputes with the CRAs past the date they received the full payoff balance with false and misleading information, they violated the FCRA. Bridgecrest received the entire loan payoff by wire transfer on XX/XX/XXXX. Bridgecrest can say they reported accurately all they want but the evidence proves otherwise. I am stating once again The loan was paid off on XX/XX/XXXX. Bridgecrest is not reporting the tradeline accurately to the CRAs even though they say they are. This is a clear violation of the FCRA. According to the CRAs they are reporting the account as Bridgecrest instructed them to. The CRAs are taking Bridgecest at their word even though I have submitted proof of the loan being paid off. Bridgcrest stated in the response to the CFPB that they mailed be a refund check on XX/XX/XXXX which was a lie as it was post marked long after that date and was not received until XX/XX/XXXX. Bidgecrest called me on XX/XX/XXXX and said they did nothing wrong and did not even offer an apology for their inaccurate reporting. When I asked the woman where the apology for the error is she replied Apologize for what, there is nothing to apologize for I found her response very unprofessional. Another direct quote from the Bridgecrest response to the CFPB In addition, we verified that we accurately reported XXXX XXXX account balance as {$26000.00}, during our furnishing of XXXX month-end tradeline reporting. This statement is obviously false as the tradeline is still reporting on XXXX with a balance of {$27000.00} as of XX/XX/XXXX. Please see the attached XXXX report. Bridgecrest did not even respond to my first complaint with the CFPB so I had to file another complaint about 17 days later. Bridgecrest finally responded after my 2nd complaint. Re : Complaint # XXXX & XXXX
05/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 700XX	Web
My problem is with Bridgecrest formerly known as XXXX. When I purchased the car I did not know of the problems the vehicle had such as rusting due to bad weather in a previous state and it was not disclosed to me. Second issue and most important was I was a victim of Hurricane Harvey is XXXX and I lost everything, I relocated back to XXXX and the car was with me. Because of the natural Disaster in XX/XX/XXXX, I feel behind on payments, I contacted them for an extension and it was granted. When I call back for the paper work I was told by a rep none of that was notated, not even my call is what I was told, also I updated a telephone number where I could be reached and a mailing address where I resided until I got back on my feet.. ( how unprofessional ). Here is the BIGGEST issue ... 1. ) Around XX/XX/XXXX the car was repossessed in the state of XXXX. The XXXX states " Youre entitled to notice of the repossession under XXXX law, and the statutory requirements for this are pretty specific, The notice must include a statement in no less than 12-point type that the lender is entitled take your vehicle without further notice or judicial process '' I did not receive a notice or any paper work. When they took the car I did not know where it was and I was not notified in anyway. SECOND BIGGEST ISSUE ... -I was notified my mail, phone, email, ANYTHING of what the intentions was with the car. The state of XXXX States - '' Required Notifications : Before your lender can sale your truck, they MUST notify you of their intentions. You can waive this right, so make sure you dont sign anything the lender gives you until you consult with your lawyer. See XXXX Business & Commercial Code Sect. 9.611 '' The State of XXXX states also that they " Must send you a Notice of Sale first, and a Notice of Disposition after the sale if it wants to hold you responsible for any deficiency balance '' I did not receive anything and they did not have my currently mailing address because they did not save it in the system ... My email and phone number was on file. Once again I did not receive anything. That is AGAINST the law to not inform me of the intentions with the car. In XXXX it states " Content of Notice : The notice must list your name and the collateral that the lender intends to sell. It must state how much money it would take to REDEEM or reinstate the loan. It must provide a telephone number to call to redeem the loan. It must state how they plan to dispose of the truck and tell you that you are entitled to an accountable of any debt remaining after the sale. The lender must tell you the time and place of the auction ( or other manner of sale ). Its pretty easy for lenders to follow this rule the form is listed in the statute. See XXXX Business & Commercial Code Sect. 9.613 and XXXX Business & Commercial Code Sect. 9.614. How could I try to redeem my vehicle without the information provided to me.. or what was done with the car. On my credit report it states I owe XXXX. How can you just place something on someone's report and I know nothing of what was even done with the car, was it sold, did they keep it, was it involved in a auction? My problem is that they did not go about this the correct way and placing information on my credit report with stuff I know nothing about. They went about this all the way WRONG. This company prays on people and they are such scammers. Very unprofessional.
10/15/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 34243	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively . My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX BOTH ACCOUNTS HAVE NO STANDING LEGALLY AND MUST BE REMOVED. LEGAL TIMELINES HAVE EXPIRED. On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
10/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 34243	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX XXXX : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law XXXX XXXX. XXXX : https : XXXX Fair Debt Collection Practices Act : XXXX : //www.ftc.gov/XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX I apologize for the confusion on my original dispute. The truth is that there are issues with every negative item on my credit report. The reason is because I am not the authorized responsible party on any of the previously posted disputes. Therefore, I request the following procedure for the above posted creditor : 1 ) Please review who the responsible party is on the credit tradeline. 2 ) If I am only an authorized user, then the tradeline on my credit, and the corresponding collection will also need to be permanently deleted. 3 ) I must be given notice that a release of responsibility has been sent to me in written form for my records. 4 ) I have full appreciation to the CFPB for your great help in this matter. 5 ) The above referenced account and/or collection must be deleted. The responsible, if any would be my husband, who was only trying to help his wife establish credit. It did not work out as planned. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
08/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77584	Web
In accordance with the Fair Credit Reporting Act Bridgecrest Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
03/15/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	AR 72032	Web
In XXXX of XXXX, I made a decision to extend credit to XXXX to get a vehicle. According to Title 15, US Code Chapter 41, Due to me not having full disclosure and not being informed on basic facts, such as me needing 2 consenting parties to make an agreement and the agreement not being conspicuous in order for me to clearly comprehend the relationship with XXXX and Bridgecrest Acceptance Corporation. Especially about how such interest related and why hardly any payments would be applied toward the principle, I made an uninformed decision to get a vehicle from XXXX. According to Title 15, US Code subsection 1601, I believe this was done to me on purpose by XXXX because the agreement was not clear and I did not have any say in that agreement. Recently I was in an active dispute with Bridgecrest where I made a full payment to prevent a repossession until we could resolve the issues. I filed a complaint with the Consumer Financial Protection Bureau because Bridgecrest was always in violation of Title 15, US Code 1692, constantly phoning and harassing me even after I asked them to stop more than one time. XXXX XXXX. Agency Specialist of Bridgecrest admits in his response that he canceled the recovery of my vehicle after payment was made and lied to the CFPB by saying that he sent a validation of the debt to me. Then, XXXX XXXX got in his feelings and with the help of his customer service team retaliated, used a canceled recovery and stole My property, my vehicle which is a trespass against my Estate. Posting on all my consumer reports that the vehicle was CHARGED OFF, THE BRIDGECREST ACCOUNT WAS CLOSED AND YOU STILL OWE THE MONEY which was unlawful, breaching the contract again by Never sending any communication to me at all purposely misleading me to contact them is a trespass against my Estate repeatedly. The last communication from Bridgecrest was to contact them to discuss my options, which I clearly had until XX/XX/XXXX, Except because the CFPB closed the account, Bridgecrest stole the vehicle from me on XX/XX/XXXX from a XXXX XXXX XXXX in a secluded area. If it was being repossessed why didn't the follow the law or the contract at least which is null in void. Bridgecrest was supposed to let me and XXXX XXXX XXXX Police know after the vehicle was, so called, repossessed. This is unlawful according to Delaware Repossession Law. I have a police report, communication from Detective XXXX from XXXX XXXX XXXX Police who constantly called me vehicle. Saying he was trying to solve the case of a stolen vehicle report, in order to try to get me to contact Bridgecrest to force me to contract with them again. Anyway I have video footage to prove these facts. Finally, Bridgecrest did not address the CFPB complaint # 's XXXX and XXXX they just told my personal business and lied in their response. I was in XXXX XXXX burying my husband and dealing with a XXXX XXXX case for my daughter where I was the caregiver for my granddaughter here in Delaware and my family and friends were keeping up with the mail to make sure that I responded. Yet the CFPB closed both complaints, making Bridgecrest think it was ok close the cases. I don't think the CFPB wants to involve themselves in their deceptive debt collection practices, reporting on my consumer report that I still owe money and theft of my vehicle, which is my property.
03/03/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 28027	Web
It was a lot of different things that happened over the years. The first thing was I made a payment on XXXX XXXX XXXX to XXXX XXXX. Received a notice that I was behind. I advised XXXX XXXX that I made the payment gave them the confirmation number and sent my bank statement as well as the receipt that the payment was made with the confirmation on it. Was told that they still could not find it and they wanted me to make that payment. I talked to different reps over the time that could not assist me with finding the payment. They said that the payment was n't made and my bank had it, which was so confusing. In XX/XX/XXXX, I was speaking to a XXXX XXXX rep that help assist to find the payment because she wanted to know why I was behind. She researched the account and found the payment and stated that it was applied to someone else account. I 'm not sure why the other reps did n't take time to find the payment after I called several times to get the payment researched. I faxed the information to them several times and they still could n't find the information. The next incident was I walked outside Thursday XX/XX/XXXXand my car was gone. I was thinking it was stolen. I called XXXX to report it and was told that my car was repossessed. I was n't sure why. I was current status on my loan through my credit report. I called XXXX XXXX which is not XXXX XXXX and was told that I was XXXX payment behind. I told them that I was going to make my payment Fri at the end of the month like every month and they said that I would have to redeem my car by payment the total amount for the repossession and the car payment in the amount of XXXX. They told me that the reason that my car was repossessed was because I had a cease and desist on the account that came from my attorney and they could n't talk to me. I told them that I did n't have an attorney and I did n't have a cease and desist on my account. I advised them that they had me mixed up with someone and they told me that they do not place false information on people account and that they could n't get in touch with me was the reason to repossess my car. I asked them to send me a letter stating that they was going to repossess my car and they told me that they did n't have a letter to send but if I was a day late that the repossession process can occur at anytime. I told them that repossession is a process and that they have to send out something to me to make me aware that they are coming to get the car/ give me a timeframe to come up with the funds and the still said that they did n't have anything to give me. I spoke to several reps as well as manager that was n't helpful on Thursday and Friday. They would n't give me information about the cease and desist to see if I sent it in with any signatures or anything. They were rude and not assisting me or trying to research to help me find out what was going on. They stop giving me information because they say I had an attorney. I could n't get the attorney information that they said that placed on the account, just the name. They then found out hours later after I got the attorney to call Bridgecrest that they had my account mixed up with someone else account and had repossessed my car by mistake. My complaint is about the misapplied payment that took almost 2 years to find and the wrongful repossession
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22315	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Bridgecrest, XXXX XXXX XXXX, Dept of Ed/XXXX, US dept of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Bridgecrest, XXXX XXXX XXXX, Dept of EdXXXX, US dept of education , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
04/19/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MD 20910	Web
YOUR COMPLAINT Called Bridgecrest and spoke with an Executive Resolution Specialist named XXXX. On XX/XX/XXXX at XXXX. I was inquiring about a loan deferment due to a short-term hardship I'd experienced. When I asked XXXX about getting a deferment since my last deferment was 6 months ago, she told me I could not get a deferment until I was 2 to 3 months behind in my payments. When I informed XXXX this kind of a delay with getting a deferment would create serious financial and credit harm to the loan holder, she reiterated that I would have to wait 2-3 months. I tried again to reason with XXXX because I knew the information was highly inaccurate. I asked XXXX what was the company policy related to anyone getting a deferment. XXXX recited again to me on the recorded line that everyone applying for a deferment would be required to wait until they were 2-3 payment late on their loan. Knowing this information was incorrect, I asked XXXX for a copy of the Bridgecrest policy related to waiting 2-3 for late payments for deferments. XXXX claimed this Bridgecrest policy was 'internal ' and would not send me the policy. I reiterated that it was illegal to have loan holders wait 2-3 payments for to request a deferment and would seriously hurt me as a loan holder and others. XXXX doubled- down and told me I would have to wait 2-3 payments for a deferral without respect to written policy and refuse to forward my deferment request to the proper financial department within Bridgecrest. Hide full complaint What product or service is your complaint about? PRODUCT OR SERVICE Vehicle loan or lease NEW OR USED? Used TYPE Loan What type of problem are you having? Inactive modal ISSUE Managing the loan or lease HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? Yes What happened? Called Bridgecrest and spoke with an Executive Resolution Specialist named XXXX. On XX/XX/XXXX at XXXX. I was inquiring about a loan deferment due to a short-term hardship I'd experienced. When I asked XXXX about getting a deferment since my last deferment was 6 months ago, she told me I could not get a deferment until I was 2 to 3 months behind in my payments. When I informed XXXX this kind of a delay with getting a deferment would create serious financial and credit harm to the loan holder, she reiterated that I would have to wait 2-3 months. I tried again to reason with XXXX because I knew the information was highly inaccurate. I asked XXXX what was the company policy related to anyone getting a deferment. XXXX recited again to me on the recorded line that everyone applying for a deferment would be required to wait until they were 2-3 payment late on their loan. Knowing this information was incorrect, I asked XXXX for a copy of the Bridgecrest policy related to waiting 2-3 for late payments for deferments. XXXX claimed this Bridgecrest policy was 'internal ' and would not send me the policy. I reiterated that it was illegal to have loan holders wait 2-3 payments for to request a deferment and would seriously hurt me as a loan holder and others. XXXX doubled- down and told me I would have to wait 2-3 payments for a deferral without respect to written policy and refuse to forward my deferment request to the proper financial department within Bridgecrest
04/19/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MD 20910	Web
Called Bridgecrest and spoke with two reps before XXXX XXXX XXXX named XXXX. On XX/XX/XXXX at XXXX. I was inquiring about a loan deferment due to a short-term hardship I'd experienced. When I asked XXXX about getting a deferment since my last deferment was 6 months ago, she told me I could not get a deferment until I was 2 to 3 months behind in my payments. When I informed XXXX this kind of a delay with getting a deferment would create serious financial and credit harm to the loan holder, she reiterated that I would have to wait 2-3 months. I tried again to reason with XXXX because I knew the information was highly inaccurate. I asked XXXX what was the company policy related to anyone getting a deferment. XXXX recited again to me on the recorded line that everyone applying for a deferment would be required to wait until they were 2-3 payment late on their loan. Knowing this information was incorrect, I asked XXXX for a copy of the Bridgecrest policy related to waiting 2-3 for late payments for deferments. XXXX claimed this Bridgecrest policy was 'internal ' and would not send me the policy. I reiterated that it was illegal to have loan holders wait 2-3 payments for to request a deferment and would seriously hurt me as a loan holder and others. XXXX doubled- down and told me I would have to wait 2-3 payments for a deferral without respect to written policy and refuse to forward my deferment request to the proper financial department within Bridgecrest. Hide full complaint What product or service is your complaint about? PRODUCT OR SERVICE Vehicle loan or lease NEW OR USED? Used TYPE Loan What type of problem are you having? Inactive modal ISSUE Managing the loan or lease HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? Yes What happened? Called Bridgecrest and spoke with an XXXX XXXX XXXX named XXXX. On XX/XX/XXXX at XXXX. I was inquiring about a loan deferment due to a short-term hardship I'd experienced. When I asked XXXX about getting a deferment since my last deferment was 6 months ago, she told me I could not get a deferment until I was 2 to 3 months behind in my payments. When I informed XXXX this kind of a delay with getting a deferment would create serious financial and credit harm to the loan holder, she reiterated that I would have to wait 2-3 months. I tried again to reason with XXXX because I knew the information was highly inaccurate. I asked XXXX what was the company policy related to anyone getting a deferment. XXXX recited again to me on the recorded line that everyone applying for a deferment would be required to wait until they were 2-3 payment late on their loan. Knowing this information was incorrect, I asked XXXX for a copy of the Bridgecrest policy related to waiting 2-3 for late payments for deferments. XXXX claimed this Bridgecrest policy was 'internal ' and would not send me the policy. I reiterated that it was illegal to have loan holders wait 2-3 payments for to request a deferment and would seriously hurt me as a loan holder and others. XXXX doubled- down and told me I would have to wait 2-3 payments for a deferral without respect to written policy and refuse to forward my deferment request to the proper financial department within Bridgecrest
12/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21114	Web
Good afternoon, I believe I have all of my issues correctly documented. Going forward since obviously can't beat a dead horse anymore I have come up on a year of dealing with these issues and wish for something in writing stating what XXXX/Bridgecrest has done for me in the past year after dealing with issues form my first vehicle being bought back to getting a higher interest rate on new vehicle because of no fault of my own other than buying a vehicle from XXXX that shouldn't have been sold to the general public to begin with. It has been too long for me too file a claim with Maryland State Police Automotive Safety Divison to have them investigate the Maryland State Inspector that passed my previous car. So what I'm to do. The settlement was taken off the table after I voiced my opinion on how horrible set companies were on dealing with my issues and making things right. I do apologize to a point but got to look at it from my side of things everything has been set up to cover the dealership and/or company which I cant complain about that is business but I have not gotten anything in return other than heartache trying to get things offered to me from both companies. Biggest waste of time was no one relying the information to me who was actually responsible for setting my new interest rate until it was too late. Also after being offered a reimbursement check for some things which I wasn't entitled too but tried to make me happy with my situation. It was delivered late in response so I would have to make a mother payment before I was to get set check before leaving to go out of town on business after giving both companies more than enough time get it to me before I left. That clear disregard caused me to question to keep fighting the issue and that was when I sent some nasty emails and correspondence at which time the settlement was taken off the table. Your companies hasn't done anything in my view to help me move rthis past year other than cover your XXXX. Part of the settlement would be to quit fighting these issues and would going forward not be able to bring anything up. Made all of my payments on time with a company that is suppose to help customers rebuild their credit. There simplest answer which is a escape goat was they have no control on how the credit bureaus report the info they give to them and I get that but at the time of signing for new vehicle it should have at least me given the same interest rate not higher. Worst business ethics ever in my opinion and would recommend anyone to use these companies and would rather looking back rely on public transportation than with these companies. Setting the high interest rate Im not upset with but to be backed into a corner to where I cant get out of this vehicle with out taking no hit at all is unacceptable. No one would take it as a trade in because of the terms of the loan. How can you as company do this? In writing what your company 's have plans to make me happy or at least a summary of what exactly has been done in my favor of the past year. Which is nothing in my opinion other than screwing my credit up and getting me into the situation that I cant get out of this vehicle without taking serious hits to me to my credit.
03/27/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NY 131XX	Web
In XX/XX/XXXX, I lived in XXXX XXXX, TX. I bought a car from XXXX, and I foolishly allowed them to finance it through a company called XXXX. Then, in XX/XX/XXXX, I moved back to my home state of XXXX XXXX. Since XXXX, I have been trying to obtain the documents I need to register my vehicle. The XXXX XXXX Department of Motor Vehicles stated to me that I need a certified copy of the title and a permission to release letter from the lender. They told me that the lienholder should be able to provide me with both of these documents. I told them that Texas doesn't provide titles until after the lien is paid off, but they said that shouldn't be a problem. XXXX did mail me the permission to release letter, but instead of sending a certified copy of the title, they sent a " Lien and Title Information '' sheet. The NY XXXX rejected the " Lien and Title Information '' sheet and again told me I needed a certified copy of the title. I called XXXX repeatedly. Each time, they promised to send a certified copy of the title, but they did not. I also called XXXX, and XXXX ( like the XXXX XXXX stated that XXXX was responsible for providing a certified copy of the title, but that it should not be a problem. On XX/XX/XXXX, I called up XXXX and said, " Look, I don't want to be this way, but my car will be illegal XXXXo drive soon. You aren't cooperating and I don't know what else to do. So, if I don't get the document I'm requesting, I will have to file a complaint against your company with the XXXX XXXX XXXX XXXX' I didn't want to make that threat, but finally, they emailed me something. Unfortunately, it was the same " Lien and Title Information '' sheet I told them the XXXX rejected. I knew it wouldn't work, but I went to my XXXX appointment hoping they could give me advice, but they didn't. They just repeated that I need a certified copy of the title. On XXXX XX/XX/XXXX, I was frustrated enough to use my stimulus check and my tax return to pay off as much of the loan as I could. I didn't want to do this, as I'm underemployed and my part-time job will end at the end of XXXX. Having the nest egg would make me feel more secure, but I also wondered how successful my job search would work if my perfectly healthy car can not legally get on the road. So, since XXXX would not cooperate, I put this money toward the car. Then, on XXXX XX/XX/XXXX, a friend thankfully loaned me enough money to pay off the rest of the car. This morning, I checked to see that the check cleared only to discover that my XXXX account had been closed. This made me feel that the loan was paid off, so to expedite the registration process, I called XXXX and asked them to email me a letter stating that the lien had been released. The woman sneered and said, " Well, yes, your payments have cleared, but we have to hold the lien for an additional ten days, and then it will take an additional six weeks for you to get your title. '' I can not understand how they can close my account but not release the loan, but I feel like it MUST be illegal for someone to make it impossible for me to register my car. I need my car so that I can continue to work. Not releasing the loan or sending me a certified copy of the title must be XXXX
12/31/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	IL 60638	Web
On XX/XX/XXXX I purchased a vehicle from an online platform ( i.e., XXXX ), which was easy, convenient, and fast. I also obtained funding for the loan to purchase ( i.e., Bridgecrest ) through the same platform. All of that was perfect. What I and the world did not anticipate at the time of the purchase, was the advent of the XXXX XXXX pandemic. A month after my purchase, the world literally closed due to the pandemic. Huge financial strains emerged due to the lockdowns and loss of income streams. My lender ( i.e., Bridgecrest ), would call almost 3 times a week seeking car payments that I had fallen back on. It was massive stress and a mental drain every day. I was never offered or informed of the options for relief and at some point, my vehicle was repossessed the night I caught up on the payments. Even though I had caught up on the payments that night before the repossession, my vehicle was still repossessed, and was told to pay a repossession fee to get it back, which I did. The repossession fee again drove me back on my payments. Increasingly being called sometimes as late as XXXX XXXX in the night by Bridgecrest asking for a payment. It was so much harassment that I stopped answering. Today, I know that in response to the ongoing pandemic, the Coronavirus Aid, Relief and Economic Security ( CARES ) Act would have made it possible for those impacted to receive certain payment accommodations, such as account forbearance or deferment, which I was never told or offered even when I asked. For example, because I was facing hardship due to the pandemic, I had the right to request a forbearance for up to 180 days, with the option to extend it another 180 days. I now know, after personal education on the law that while some other CARES Act provisions have expired, or will soon, I still have options available. Yes, I caught up on my payments again this past XXXX. Surprisingly, the day I caught up, is the day Bridgecrest offered me a 3-month deferment on my loan. That is ridiculous! My car was illegally repossessed because I had made my payments current and they charged me. Then after catching up on my payments, they kept reporting my balance as not current. Today as I write this complaint, my car loan is not current with major credit bureaus even if all my payments are. They are financially struggling my chances to succeed by accumulating unfair late payments on my record. Lastly, this week on Thursday morning ( i.e., XX/XX/XXXX ), I received a scare from Bridgecrest. Between XXXX XXXX and XXXX XXXX, all the debit cards I have ever used for my car payments ( i.e., even the ones I had deleted a year or two, ago, were charged different unauthorized amounts 17 times. I called Bridgecrest to ask why someone was charging my cards so many unauthorized amounts so many times and didn't get an explanation or assurance of resolution. Neither did I get an apology. I have now canceled all my debit cards and ordered new ones. The pain of getting through the end of the year waiting on new cards and having to worry about what just happened is wrong. It is against the law and I know that I'm unfairly being treated by Bridgecrest. I need help from someone with a voice on this.
11/16/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32210	Web
The creditor fails to provide the legal notice, breaches the peace, or violates any other law related to repossession then a wrongful repossession has occurred. Within 120 days of the Effective Date, not call a particular phone number related to an account if any person has requested, orally or in writing, that XXXX BridgeCrest stop calling such number or has stated, orally or in writing, that the consumer that XXXX BridgeCrest is trying to contact can not be reached at that number ; Must not communicate with any person including references. Requested to do so by the person after the account has become delinquent or XXXX BridgeCrest reasonably believes that the earlier response of such person is erroneous or incomplete and such person now has correct or complete location information ; and XXXX BridgeCrest has not had contact ( meaning outbound call with right party contact or inbound call, email, or letter ) with the consumer in 30days or more. Must not communicate with third parties, including references, after the third parties have requested, orally or in writing, that XXXX BridgeCrest not communicate with them must take the following affirmative actions within the time periods provided : Within 30 days of the Effective Date, not adopt and implement reasonable policies and procedures to prevent communications that would be violation damages to the accountholders. Must not communicate with consumers at their workplaces if consumers have requested that XXXX BridgeCrest not communicate with them at their workplaces fully aware XXXX BridgeCrest knows that the consumers ' employers prohibit communications to their workplaces XXXX of FL adhere no personal use company 's property business lines, fax, copier, email and computer system etc.. The written consumer information furnishing policies and procedures that Furnisher Rule in compliance effective date cease furnishing information related to a voluntary or involuntary repossession verified the information is falsehood written that must be permanently block the refurnishing of the inaccurate information the accountholder motion name XXXX instance that Motion Consent Order requires the Board to ensure adherence to, or undertake to perform, certain obligations of XXXX BridgeCrest, the Board must : a. Authorize whatever actions are necessary for XXXX BridgeCrest to fully comply Motion with the Consent Order ; Require timely reporting by management to the Board on the status of compliance obligations ; Require timely and appropriate corrective action to remedy any material non-compliance with any Board directives related to this Section the act of wrongful repossession, property damages my property was harmed, stolen end up missing during the repossession, and consequential damages the repossession hurt your credit rating and has impacted my ability to keep my job majority required you must have reliable transportation not public transportation means of traveling and more. Left myself self with our support of living to buy food and more. They refuse to accept my emails that are legal form of contact in writing my statements to communicate in writing. ASK ME!
01/29/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 30135	Web
In XX/XX/XXXX, I received a modification of terms. In XX/XX/XXXX, I received another one. In XXXX, I've worked extra hard to honor my agreement with Bridgecrest. I event went back to working a XXXX job as a teacher XX/XX/XXXX. Since XXXX began, here are the amounts paid for the year based upon clearing my bank account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX At the end of XXXX, I inquired about another extension, as I could prove that I started the new job with a more consistent salary to help catch up, but I wouldnt receive my first paycheck until XX/XX/XXXX. Nevertheless, I worked my XXXX business and XXXX XXXX day and night to generate the income to make up the payments, as the collections rep was really nice about helping me. When I last paid Bridgecrest on XX/XX/XXXX {$460.00}, the rep asked me about the next payment. My response is and has always been " I make a payment by the end of the month '', which I've been doing since my finances became time in XXXX. I even paid extra. On XX/XX/XXXX, I receive a credit alert from XXXX XXXX saying " Improved Account BRIDGECREST FORMERLY XXXX XX/XX/XXXX from XXXX ''. Maybe that is what prevented me from proactively reaching out to Bridgecrest again, as Im thinking the extra payments are really working to catch me up. The two FULL payments in XXXX would remove 60 days of delinquency. However, after work yesterday, XX/XX/XXXX, I'm on the phone with my fiance and hear '' are they getting the car ''? The repo man was here. I'm beyond shocked. I immediately call Bridgecrest. Why is the repo man there? " You put a XXXX on the account ''. " Yes I did, but I also asked you all to contact me by mail, since you disrupt my work environment by calling multiple times a day. My track record is that I will always pay the bill. You all could have also emailed me to let me know I was out for repossession. '' Sir, we sent you a letter. " When? I havent received it yet ''. We also sent a repo notice by email. " NO sir, you did not. The last email I received from Bridgecrest was XX/XX/XXXX thanking me for my payment. I periodically got emails from Bridgecrest, including XX/XX/XXXX for address verification, and one in XX/XX/XXXX and XX/XX/XXXX, but whenever I respond, Bridgecrest reps do not reply. However, I was never notified that I was in default of the contract and repossession was imminent. Bridgecrest reps also told me that there had been calls, but NO ONE left voicemails of any kind nor is there a record of the calls, which would be a violation of the XXXX. From previous deadlines, I know that Bridgecrest will charge off the account at 120 days. As of yesterday, I was 117 days and payment was scheduled for XX/XX/XXXX, as Bridgecrest knows I get paid at the end of the month. However, to submit it for repossession is absurd. Previously, I've crossed that deadline and Bridgecrest communicated with me to resolve the delinquency crisis. However, that has not happened this time.
02/01/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30701	Web
On XX/XX/2021 I called Bridgecrest requesting a deferment. I explained I lost my job back on XX/XX/XXXX and had used my savings and stimulus payments to keep things going as long as I could ; however, I had gotten a part-time job making {$8.00} an hour. She asked me point blank, " What about your stimulus payment of {$600.00}? What did you do with that? '' I told her I had other bills to pay besides a car loan and I'd used part of that to make the last payment. I was told she could push the payment until XX/XX/XXXX, which is when another payment was due. I told her I wouldn't be able to make both payments ; they'd be lucky if I could pay the one due on the XXXX on the XXXX. She did not give me any information on deferment, state that it had to be approved, or that she was submitting the request. I was paid on XX/XX/XXXX and opted to make the car payment because I need transportation to and from work instead of putting food on the table. I do not live in an area that has public transit. So that left me with the payment that was due on XX/XX/XXXX. I called Bridgecrest again on XX/XX/XXXX, again requesting deferment. I read the FAQ on their website " Skip a Payment '' and understood that " Payment extensions are a service that may be offered to qualifying customers. This form of payment assistance requires account review and approval. '' I insisted on deferment and requested 3 payments be deferred to give me time to hear back from GA Unemployment and find full-time employment. The man wanted to know if I could make a payment then and there. I told him no. He wanted to know when I could make a payment and how much. I reiterated my request for deferment. He stated he put in the request, but could not guarantee it. I pointed out until this past payment all my payments had been on time. I had paid for 2 years ( minus this last payment which was pushed to XX/XX/XXXX ) on time. Most payments received before the due date. This morning ( XX/XX/XXXX ) I had a call from XXXX which my phone identified as a spam caller, but I answered anyway. I was on the line for about 20 seconds, repeatedly stating " Hello '' with no response before I hung up. I searched the number and found it listed as XXXX Collections. I called Bridgecrest Customer Service at XXXX and the man answering wanted to know if I wanted him to process my payment over the phone for a {$3.00} fee. I told him I wasn't calling to make a XXXX payment. I wanted to know about my request for deferment and he said it was denied because I have an income. I told him, " Let 's do the math. {$8.00} an hour times an average of 20 hours a week comes to {$170.00} times 2 since I get paid bi-weekly comes to {$340.00} a paycheck before taxes are taken out. My rent alone is {$750.00}, electric {$200.00}, gas {$50.00}. Oh and groceries. So my math comes to {$680.00} a month before taxes - doesn't even cover rent. But you all seem to think I can make the car payment. '' He said I have income and can pay the car payment and have until the end of XXXX to get payments made before they begin to repossess the vehicle.
03/18/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AZ 85085	Web
We financed buying a car through Bridgecrest. After purchasing the car and wanting a few more details regarding pay off information and not getting the information from Bridgecrest. We decided to refinance through our credit union. The credit union sent 2 checks to Bridgecrest. Both were cashed on the same day in XX/XX/2022 only one was credited to our acct. I have been reaching out to Bridgecrest for over a month and a few weeks ago was told by the rep that this is not their problem. They cant find the check and to contact our bank. I contacted our bank who sent copies of the cashed checks. I asked Bridgecrest to give me an email to send them copies of the check and they said they do not accept copies of checks. Our bank called Bridgecrest and got nowhere. Our bank contacted their bank and offered to do a conference call between them, bridgecrest and me. Again, Bridgecrest declined. I spent 5 days this week calling and fighting with everyone I could who would listen to me at Bridgecrest. I finally got through to one person in the Resolution dept who listened and asked me to send the copies of the checks. I called back yesterday and was told they found the check that they had cashed. And they would credit my acct. as soon as this was verified. I was told to call back today at XXXX and told to ask for XXXX. I called back and was given the run around that he was unavailable to assist me today and would call me back within XXXX business hours. I teach and explained it is hard for me to get phone calls during school hours. Their reply was again he would call me back within XXXX business hours and that is all they can do for me. She did say the check should be credited to our acct in XXXX XXXX business days. I asked why so long since they have already cashed the check in middle of XXXX and I asked why this is almost impossible for me to get a garantee that my money will be credited to my acct which I will be owed a check for the credit that is owed to me. Her reply was it should be in my acct in XXXX business days. I said should does not mean it will. She said true that it might not be. I asked to talk to someone else she said not possible everyone is busy. I volunteered to hold till someone could answer my questions better. Basically they made money from the interest of a check they cashed hoping I wouldnt ask about it and now I am being told it should be deposited into my acct. This is unacceptable for a loan business. This should not have taken me a month of fighting with the company and being told many times it is not their problem to get my money that is owed to me credited to my account and a refund check issued. Because in the mean time after they lost my check and told me it was t their problem they auto withdrew the monthly money out of my bank acct. which is what the second check was for. I dont understand how they could lose money that they cashed and I had to spend a month fighting for it to be found. They didnt care and I honestly got the impression that if I didnt fight for it they would have just kept the money and not cared.
01/28/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30318	Web
YOU ARE BREAKING THE LAW UNDER THE FDCPA! NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. XXXX XXXX Bridgecrest Credit Company , LLC The reporting of this account is violation of 15 USC 1692e, The Fair Credit Reporting Act A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. Under federal law ( FDCPA ) the reporting of inaccurate and incorrect account to my consumer report is implicating that a debt collector which is Bridgecrest operates by a consumer reporting agency which is ILLEGAL UNDER FEDERAL LAW ( FDCPA ). YOU ARE IN CLEAR VIOLATION OF THE FEDERAL LAW ( FDCPA ) AND LEGAL ACTION WILL OCCUR IF THE ACCOUNT IS NOT DELETED FROM MY CONSUMER REPORT IMMEDIATELY. The reporting of this account is violation of 15 USC 1692J ( Furnishing certain deceptive forms ), The Fair Credit Reporting Act ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Bridgecrest is furnishing an inaccurate and incorrect account on my consumer reports according to the statue above. Bridgecrest is in violation of furnishing false information to a consumer report, Bridgecrest is subject to : 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional ; Bridgecrest is intentionally violating federal law due to falsifying information on my consumer report that by law that should not be there and is non-compliant. I will sue for actual damages if the account is not immediately removed from my consumer report. Best Regards, XXXX XXXX
11/08/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 77316	Web
This company purchased an old debt from Bridgecrest XXXX in XXXX in the amount of {$10000.00}. They have added excessive fees to this purchased debt and now they are trying to collect {$19000.00} from me. They are in violation of the Fair Debt Collection Practices Act as follows : FDCPA 807. False or misleading representations ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX/BRIDGECREST FINANCIAL. The very next day I had to take the car to a XXXX dealer to get them to fix the transmission. A few months later the car was repossessed by XXXX/BRIDGECREST XXXX The car was sold at auction shortly thereafter and XXXXBRIDGECREST XXXX sent me a notice of deficit after the auction sale. Being unemployed and homeless I did not have any funds to pay the deficit. The balance remaining after the sale of the vehicle at auction was approximately {$5000.00} This company XXXX XXXX XXXX purchased the debt from BRIDGECREST XXXX and is now trying to collect {$19000.00}. They have added excessive and burdensome fees to the original debt and refuse to give an accounting of where the additional $ XXXX is coming from. Why is this amount so high? What are the hidden fees? Why are they charging three times the original debt? They have refused to provide me with a detailed accounting of where these charges are coming from. XXXX XXXX XXXX is now trying to collect {$19000.00} for a car that BRIDGECREST XXXX sold at auction 5 years ago. BRIDGECREST XXXX DELETED THIS ITEM FROM MY CREDIT REPORT and now XXXX XXXX XXXX is trying to collect a debt on a car which I no longer own for an amount THREE TIMES the original debt with absolutely no accounting of where these charges they claim I owe is coming from. THEY ARE TRYING TO COLLECT {$19000.00} for vehicle that was repossessed and sold 3 years ago. The vehicle was valued at {$5800.00}. They have not provided a detailed breakdown of how they arrived at {$19000.00} due and owing. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33127	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. My experiences with this situation has been very rough due to the damage of my credit.
05/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30458	Web	Servicemember
This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR N AME - Bridgecrest. - Account type- automobile. i am disputing this account for inaccurate information. The last report date of the account was XXXX XXXX so there 's no excuse as to why this accounts displaying inaccurate information. I am attaching proof that this account has received some form of payment after the date reported for last payment received. They are aware of my financial problems and how I lost my job and agreed to work with me.The monthly payment is also reported WRONGLY. My payments are ( twice a month ) for {$220.00} totaling {$440.00} NOT {$480.00} as Bridgecrest falsifies. The above listed creditor reported different dates for each Bureau, which all are INACCURATE. So this creditor has reported incorrect information to all XXXX bureaus, which is damaging my score with each. I can provide ANY proof that all XXXX reports have different information on the areas that I have pointed out. When seeing such inaccuracies, I am to believe the creditor does n't care how this affects my credit and my future success. I am in the process of fixing all and any mistakes. PLEASE I 'm requesting REMOVAL of this account, as it is actually in fact in violation of the Fair Credit Reporting Act. I want a full removal/deletion as it is harming my credit. Thank you kindly, ** XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX . Balance : {$1600.00}. The original Creditor was supposed to disregard all charges including the transfer to collections. Military proof was provided before my departure but apparently the account was still turned to collections. I have provided documentation of military proof. FEDERAL LAW allows Termination of any lease. Federal law, 50 U.S.C. App. section 535, known as Servicemember Civil Relief Act ( SCRA ). I 'm requesting FULL DELETION OF THIS ACCOUNT. The original creditor also went against federal law because I am military personnel so I should n't be held accountable if I was o n orders. XXXX I trust that you will resolve this issue. Again no verification has been sent to me about the status. I just do n't understand why they would try to be so sneaky, as a member of the XXXX I did n't expect this at all. Please help me as I am trying to redeem myself and work on my credit. And fix anything that should be fixed. I want to see myself as a home owner in the future and also XXXX military Thank you and I look forward to any information reguarding my issues as I 've disputed and have gotten no where. I can provide any further info if need be. And also if you need the following payment and dates for Bridgecrest I can provide that as well
10/27/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 77316	Web
Around XX/XX/XXXX, I called bridge test to see about getting a deferment due to Covid hardship. As my unemployment ended and was only able to get part time work. I was told I could qualify but wasnt in hardship yet and need to call back in 2 weeks, I called back 2 weeks later and she stated that I still didnt qualify since I was not in hardship, although my payment was going to be 30 days late in a week on my first loan on XX/XX/XXXX. My second loan would be 30 days late on XX/XX/XXXX. She once again stated I call back. I received a call from bridge test on XX/XX/XXXX and went through the whole situation again. The customer rep then kept trying to get a partial payment for the vehicle that was going to be 30 days late on XX/XX/XXXX. I kept asking for a deferment and he stated he could turn it in but we would not qualify, and that by making partial payments we would not get repossessed. I asked him why we wouldnt qualify and he said because I wasnt working even after I told him I was. Then he proceeded to tell me that I would be worse off die to interest occurred during deferment than to just do partial payments. He also stated that it would be worse if we didnt make the next payment after deferment because it would put us in automatic repossession. I told him that we would be paying it off next month since we were receiving an inheritance. He proceeded to ask me about that. He kept just telling me I can put in deferment but you wont qualify due to hardship and kept proceeding to tell me to make partial payments. I explained to him that had they told me this 3 weeks prior we could have possibly made other arrangements since we didnt want a 30 day late on our vehicles. He just kept telling us our loan had more in interest on it than principal being paid and that it need to be fixed too. We didnt understand this since we made our monthly payments. On their website it states if you are having hardships due to Covid to reach out they will help. So now Im going to have 30 days late and worry about repossession when this could have been disclosed. After researching it I discovered we arent the only ones, they do this often. Making customers 30 days late and staying in predatory lending due to this. I actually recorded the whole conversation from XX/XX/XXXX from XXXX the representative, however it is too large to upload and unsure how to send it. I do believe the conversation and the questions he was asking were not standard in debt collection. He was quite invasive. At one point prior to this request during the high point of XXXX we had tried to do a deferment then but the customer rep told me I would owe {$30.00} a day in interest so I would be better off just paying the late fee, and he proceeded to ask about a stimulus that we hadnt received. But we thought the 30 a day was worth not damaging our credit but to find out from XXXX on XX/XX/XXXX that the interest was only 8 a day. I have attached a picture that states if you have hardship to call and make arrangements
08/10/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 91405	Web	Servicemember
To whom it may concern, In XXXX of XXXX, I purchased a used car against my better judgment. I am an unmarried military widow and I was a new resident of a new state and I was struggling to get situated. We went to a XXXX dealer who sold us a XXXX XXXX. I bought the car and the down payment was low, the paperwork implied that the car was in decent shape, The low down payment that we paid was increased by {$1000.00} 4 months after we had the vehicle in our possession. A call from an account manager. Announcing that we did not satisfy the proper down payment and they discovered the administrative error, and I was made to pay the {$1000.00}. I asked for a grace period for my impending monthly payment. I was denied. they blew me off with something about 'contractual obligation '' An alleged senior manager from the XXXX location where I purchased the vehicle. Told me to contact JAG or whomever I wanted. I had to pay the money or return my vehicle, IT was the law. I am a military widow and a single parent. At that time I was afraid of not being able to provide for my senior parent and daughter in a new state. I paid the XXXX extra and yes it was a hardship. I have never had interactions with BRIDGECREST Acceptance corporation that resulted in a solution for the account issues I begin to notice excessive fees, harassing collections calls, and emails. aggressive collection behaviors, I spent a great deal of time disputing excessive credit reporting on my credit report. If a dispute is in error and retracted, the damage is already done to the consumer 's account I have asked to return the vehicle they have assured me that would cause me more damage, credit-wise. I also noticed that when the account was current I still received many calls. 'Reminders that my BRIDGECREST bill was soon due. I am drowning and they are excessive with their collection practices. As a consumer, I am being financially drained and my credit is trashed.. I did some research and found out that Bridgecrest acceptance Corporation is in violation of the USC 15 congressional codes and the fair credit reporting act laws that are put in place to protect the consumer. Via registered mail I have sent over a packet with a notarized Cease and Desist letter, an affidavit, and supporting documents to prove violations. I hope your agency can provide the support I need. Bridgecrest has received my communication. As of XX/XX/XXXX. They have elected to ignore my notarized " Cease and Desist '' and all other legal documents included in the packet, they reported me to the credit bureau as 60 days late causing another plummet in my score .which violates my request in Cease and Desist document. according to XXXX. My case is not an isolated incident they have many similar complaints regarding contracts and collection practices. attached is a copy of the info I sent certified mail to BridgeCrest Acceptance Corporation, in an effort to support my claim Thank You
02/21/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CO 80012	Web	Servicemember
On XX/XX/XXXX my son had found a car through XXXX XXXX. It was a XXXX XXXX XXXX. He wasnt able to qualify for a loan on his own so I got the loan in my name. We inquired about the vehicle and had a few email exchanges. The XXXX XXXX salesperson had emailed over the finance terms to us! The interest rates alone would cost almost double what the car was worth in the end. We informed XXXX the terms were not good and we were going to pass. He emailed back saying because of my credit score the interest rates would be higher but the good news is that with the lender Bridgecrest which is also XXXX XXXX, if we made on time payments for 6 months the company would give us better terms for the loan. Or I could refinance with a lender of my choosing! In the end we thought 6 months wasnt that long and agreed. The car they sold us was defective. Within 35 days of owning it, the car was disabled and required {$4300.00} out of pocket to get working again! XXXX XXXX refereed us to the warranty we purchased and they didnt cover the repairs! Since XX/XX/XXXX the total out of pocket cost for repairs to keep this car running has been {$11000.00}. None of the repairs were covered by the warranty and it was a total of 5 times I was without my car for over a month! This past time it was being serviced for 3 months! XXXX XXXX passes the buck and offer no real solution! The repairs on the car have been major repairs that affected the safety of the car. To think a warranty wouldnt cover it is insane and a representative from XXXXXXXX XXXX told me in her exact words we dont pull out and check every nut and bolt given the safety of the car with the Suspension and engine, they should check it. XXXX XXXX refused to take the car back because it was over the return time and Bridgecrest says I could voluntarily surrender it, but I would be responsible for the balance left over on the loan! So Im sold a defective car, and I should ruin my credit to get out of it and they take no accountability! Thats my options. The car is worth {$8300.00} XXXX XXXX XXXX XXXX and Ive paid that much already in payments! But having to pay {$11000.00} Ive fallen behind on the payments! Hoping given all the circumstances they would work with me on the Payments but they didnt and they put my car in for repossession. Bridgecrest is a predatory lender! For two reasons! When the 6 month mark hit with all on time payments! I reached out to Bridgecrest to negotiate the terms, and they told me they do not do that at all. I agreed to the loan because of deceptive practices by the dealership and two Ive paid {$8700.00} in payments {$370.00} in fees and I still owe {$17000.00} on the loan with interest still accumulating. They are trying to get 3x the value of the car from me. They wont help in any way with suspension of payments, no one will refinance the loan because the loan to value ratio is so high. They need to be held accountable for what they do.
08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web	Servicemember
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Original Creditor XXXX Bridgecrest Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Phone Number : ( XXXX ) XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This is a inaccurate Fraudulent account and I've also been contacted by your company about a debt you allege, I owe several times from Bridgecrest Account Number : XXXX. This has hindered me from being able to provide for my family on many occasions. This Collection account is reporting as a Delinquent Account and recently changed into a repossession with a past due balance of [ {$9100.00} ]. Please be advised that this account is only shown on XXXX not XXXX or XXXX. This is a Fraudulent Item also displaying that it is a joint account! I do not know anyone of the name XXXX XXXX. I am frustrated and irritated please correct this immediately According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. Sincerely, XXXX XXXX XXXX
08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30060	Web	Servicemember
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Original Creditor : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Phone Number : ( XXXX ) XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This is a inaccurate Fraudulent account and I've also been contacted by your company about a debt you allege, I owe several times from Bridgecrest Account Number : XXXX. This has hindered me from being able to provide for my family on many occasions. This Collection account is reporting as a Delinquent Account and recently changed into a repossession with a past due balance of [ {$9100.00} ]. Please be advised that this account is only shown on XXXX not XXXX or XXXX. This is a Fraudulent Item also displaying that it is a joint account! I do not know anyone of the name XXXX XXXX. I am frustrated and irritated please correct this immediately According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. Sincerely, XXXX XXXX XXXX
05/06/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 77084	Web
Unfair Lending practice from Bridgecrest : I wish to pursue a claim against the lender Bridgecrest finance provider for XXXX. On all occasions during national disasters and state disasters, I had experience demanding hardship with my finances. I was not allowed the adequate to recover from these state or national disasters with the good faith lending practice '' from lender Bridgecrest. I had suffered a crisis from 3 disasters ( 1 ) XXXX XXXX ( 2 ) XXXX and recent state disaster ( 3 ) Texas Ice Storm. Under the Texas Office of Consumer Credit Commissioner ( OCCC ) emergency measures to require and regulate lender ( s ) to practice emergency measures for working out modification to help or ensure to avoid negative credit reporting when borrowers during a crisis to be practical, flexible, and the empathetic reasonable timeframe during state and national disasters. I called and wrote letters to compromise my debit with offers to Bridgecrest. After having full knowledge of these disaster hardships, lender Bridgecrest refused to compromise with a repayment plan. Bridgecrest as a lender has not worked in " good faith '' with my loan repayments or modification payment plans during the crisis of disasters I had suffered from large income loss. Lender Bridgecrest repeatedly reported bad credit delinquencies intentionally destroying my credit ratings which prevented me from refinancing my loan with other lending companies. I repeatedly contacted this lender trying to work out a payment arrangement with double payments or increase payments and finally a written compromise letter for an extension on my loan due to national disaster and state disaster. I was affected by the recent state disaster in XX/XX/2021 with the ice storm causing another hardship to move out of my current residence, a total loss of out-of-pocket income over {$4000.00} in moving expenses. Lender Bridgecrest is still proceeding to charge off on my loan and refuse all deferment payments and all written compromise offers to pay off my loan proof of Bridgecrest the intention to destroy my credit rating. Lender Bridgecrest 's conflict of interest with car dealer XXXX provided me with written assistance for a trade-in for my vehicle to prevent repossession. On XX/XX/2021, Bridgecrest, who is the lender, refused to accept the written offer from auto dealer XXXX canceling the trade-in promotion offer dated XX/XX/2021, from XXXX with an upgrade promotion payment of {$2000.00} toward my loan balance. Lender Bridgecrest declined the XXXX promotion to proceed with trade-in. I must pay the amount of {$4000.00} instead of the written amount of {$2000.00} agreement from XXXX. Lender Bridgecrest 's intention to practice unlawfully lending policies against me to collect additional interest after the principal and interest have been paid on my loan also with damage by destroying my credit rating with delinquencies reporting.
01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20019	Web
According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedure. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. I am opting out of your reporting service.
10/13/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NJ 08109	Web
I have had this ongoing issue for over a year now they have a tracking device on the vehicle and they keep shooting the battery to disable the car when I 'm driving it when I leave the house I do n't know if I 'm gon na get home. They even did this to me one time when I was at a red light, also on XXXX/XXXX/XXXX they were attempting to do it while I was on the highway. I have asked to be put on monthly payments instead of every 2 weeks because I only get my sons social security check but they wo n't do it they know my situation yet they continue to call me XXXX to 4 times a day even after I attempt to make payments I was called today and a message was left your running out of time but I just paid 2 payments a week ago I 'm behind because they keep giving me extensions that they already know I ca n't do. This company is affiliated with XXXX which is my previous employer that I have a year long hair-raising workers comp case through which should be over soon and they know this they just want to further ruin my credit and my daughter who is my cosigner she also just went back to work from being out and have her own bills and ca n't pay mine. We are doing the best we can it is at the end and I do n't understand why they ca n't work with me. It 's bad enough I have other issues to deal with not having an income, health issues and XXXX and then I have to worry about them toying with the car calling me all day everyday and attempting to stall the car while I 'm driving they just do n't care they have no value for humanity If your office could assist in just trying to bring some justice to this situation I would greatly appreciate I know it all sounds dramatic and made up but trust with all that I 've been through I wish it was. They are going say we 'll we have been working with her yes to their advantage not mine the battery is so bad from them XXXX it everyday that acid builds up around it and we have to clean it or it wo n't start I have n't invested in a new one because they are just gon na ruin it anyway. This company is bridgecrest and my account number is XXXX and the vehicle is XXXX jeep liberty. They are also probably gon na deny XXXX the vehicle but I was told this when we purchased it and it is also in the contract that they could do this if payments are not received yet to the customer they say we are here to help but they did n't say they would harass or even try to kill by attempting to disable a vehicle while I 'm driving it and not allow you to pay monthly when they know your situation what does it look like to you? I have never had an experience with an auto loan like this I have 2 more months and my case should be ending hopefully I get enough money so that I can pay off the car and be done with them for good if they do n't try to take it first! Thank for your attention to this matter XXXX XXXX
06/26/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 350XX	Web
I purchased a replacement vehicle through XXXX XXXX in XXXX of XXXX for XXXX. Vehicle had check engine light on and I brought it back twice as I had 30 day warranty. I was told both times that it was a fuse that caused back lights/brake lights to malfunction and cause the check engine light to stay on. Fuse was replaced but check engine light stayed on. Car was not running properly and overheating. I brought the car back within the 30 days and the car stopped overheating for a few weeks and the check engine light never went away staying on since I the day XXXX bought it. The car started overheating and I was forced to take it to different mechanics in XXXX, XXXX, until I took it to a XXXX XXXX dealership and was advised that to repair the car it would cost more than XXXX and I couldnt afford to pay that. Throughout this time I placed numerous calls to XXXX and fell behind immediately on payments due every 2 weeks due to repairs done by non XXXX mechanics. The mechanic that looked at my car twice at the location I purchased it from was not a mechanic he detailed cars that were bought at auctions and sold to consumers like me that due to a divorce destroying my credit. I was told that I had purchased a warranty when I call to surrender the vehicle due to it breaking down and repair costs were over XXXX, but I couldnt use it because I was over the mileage by XXXX miles. I was also told that I financed this warranty that cost over XXXX. I was shocked and called the location I purchased it from to ask the manager about it and he told me that he would get back with me and never did. Before I purchased this vehicle Id purchased a XXXX that unfortunately was totaled due to a car accident and I came back to them due to the first experience purchasing a vehicle from them. As of today they continue to report on a monthly basis false information such as balance, term, balance due when the car was sold and they charged off account. The information provided to XXXX XXXX and XXXX do not match and Ive disputed the inaccuracies with all 3 credit bureau and when I called to get a copy of the agreement I was told that due to XXXX being bought out by Bridgecrest they couldnt find it. I continued to dispute the inaccuracies for 6 yrs and after reviewing the updated information I called Bridgecrest again today to ask why they continue to report incorrect information and advised that I would be contacting the credit agencies to advise on their abusive tactics and that they refuse to provide me any documentation or agreement and their response was verbatim prove it and call was terminated. I dont know what to do and feel that this has gone on for way to long and I should have some sort of right to defend myself and my credit from their abusive in house financing which they say this will never go away.
11/03/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44143	Web
On XX/XX/20, I contacted Bridgecrest ( the finance company for my auto loan ), and told them I was having trouble making my car payment which was due on XX/XX/20. I advised them I was out of work due to Co-Vid 19 and was in the process of interviewing for a new position. I asked if I could have the XXXX and XXXX payment deferred, so that I wouldn't owe anything until XXXX. I advised I'd be able to make the payments starting in XXXX. I was told they would submit the request and to call back to see if the deferment request was approved. On XX/XX/20, I called back and was told the request needed to be resubmitted. For some reason the first request wasn't submitted, but the information was there. I told the rep I needed to defer my XXXX and XXXX payment. I was then told to call back once the XXXX payment was due and request a deferment for both XXXX and XXXX because I couldn't request a deferment for a payment that wasn't due, and if I requested the deferment for XXXX, it would automatically reject a second deferment request for XXXX. I asked if I would be at risk for repossession or anything, and I was told no. On Friday XX/XX/20, I noticed my credit report reflected the incorrect amount owed for my auto loan. I checked the payoff amount on Bridgecrest 's website, and it reflected {$15000.00}. That amount didn't make sense since I'd purchased the vehicle XX/XX/20 for {$15000.00}. I put an {$1100.00} downpayment on the vehicle that day, and I've been paying {$420.00} every 2nd day of the month up until XXXX. I asked why my loan reflected this balance as if I hadn't been making any payments at all. They told me it was due to the daily interest which accrued from XX/XX/20 until XX/XX/20. I was advised that amount included {$600.00} additional added to my loan. I told him that it still didn't make sense due to how much was already paid into my loan. I wanted to know where the rest of my payments had gone. The representative told me something didn't look right with my loan and told me he'd allow me to speak with a manager. He then put another gentleman on the phone who said he was the manager. He tried to explain to me why the balance on my loan was so high. The calculations still didn't add up or make sense. He then told me he wasn't a manager. He'd actually been pretending to be one. I feel this company has engaged in illicit and dishonest behavior to inflate the amount owed on my loan and take advantage of the Co-Vid 19 situation we're having. I shouldn't be accruing exorbitant daily interest amounts, especially when I'm dealing with a financial crisis and already made attempts to have the payment deferred. Also, the amount owed on my loan shouldn't 've suddenly inflated to an amount that completely cancels out all of the payments I've made since purchasing the vehicle.
07/31/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA XXXXX	Web
On XX/XX/XXXX I sent an affidavit of Truth and right to recission simply informing that I am not terminating or canceling the contract but deducting my liability to pay on behalf of the obligor due to several violations that were discovered in said contract. On XX/XX/XXXX I sent the " request for verification for financial records '' on XX/XX/XXXX I sent the " request for verification for financial records '' and on XX/XX/XXXX I sent the " proof of claims '' and the " revoking of power of attorney. '' XXXX XXXX doing business as Bridge crest acceptance corporation failed to respond by verifying the debt and instead requested that correspondence stop being sent to them. Sometime on or after XX/XX/XXXX the car was recovered by a 3rd party that is unknown due to identity theft. I am led to believe that bridge crest provided my personal property information to a company to recover the vehicle on their behalf. Bridgecrest demanded that I pay them in US currency and in return the question that was asked is what is US currency? According to 15 USC 1605 a finacne charge does not include charges of any type payable in cash. 15 USC 1602 states that the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Credit was extended via my signature on the contract ( promissory note ) and the vehicle has already been paid for. Being as though the vehicle is already paid for the puporse of the letters being sent to bridgecrest were to clear matters up. XXXX XXXX doing business as Bridgecrest acceptance corporation failed to respond correctly. According to the constitution I have the right to travel in my personal vehicle which was paid for via the promissory note. " Where rights secured by the Constitution are involved, there can be no rule making or legislation which would abrogate them. '' Miranda v Arizona 384 US 436, 86 S. Ct. 1602 " The claim and exercise of a constitutional Right can not be converted into a crime. '' Miller v U.S. 230 F. 486 " There can be no sanction or penalty imposed upon one because of this exercise of constitutional Rights. '' Sherar v Cullen 481 F. 946 According to 15 USC 6802 third party repossessions are unlawful. " Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. '' It was requested for Bridge crest to send the original contract with two wet ink signatures, and they failed to do so. Attached letters were the most recent letters notarized and sent to XXXX XXXX
11/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85043	Web
I have proof that Bridgecrest, affiliates of XXXX, has violated my and my husbands Fair Credit Reporting Act ( FCRA ) rights. Bridgecrest provided you and the credit bureaus with false statements and representations regarding my husbands total loss vehicle accident, which was fully covered by Gap Insurance. In short, Bridgecrest initially threatened via phone me right after my husbands accident on XX/XX/XXXX. Bridgecrest stated, as my husband was in a XXXX, that we were about {$7000.00} late on the truck payments and that I still owe them for the month of XX/XX/XXXX. This was still the case after I provided Bridgecrest with XXXX XXXX total loss certificate and all other required documents that were needed to proceed with closing out this insurance. XXXX also paid Bridgecrest in full, yet Bridgecrest still requested the $ 7,000+ for payments that were never late. After another call and dealings with the credit bureau, I did get the matter closed. However, over the phone, Bridgecrest insisted still that payments were late and fraudulently placed them with the credit bureaus. Over the phone, Bridgecrest said that if we pay them the {$7000.00}, they will omit the credit reports. Attached are the payments that Bridgecrest stated were late for XXXX of XXXX. I was unable to procure all four statements for the months they claim that we were late. However, I have XXXX of XXXX attached, one of the dates. My spouse made a deal with Bridgecrest to pay 2x a month, and he had fatefully done so on time. CFPB, please take note of the attached statements. There are no late payments from XXXX of XXXX or any other remnants of the alleged late payments. In fact, to pay off the vehicle earlier, my husband paid more and, in some cases, early. Im proving a pattern of poor, illegal, and immoral business practices regarding Bridgecrests total loss handlings. I may not have all four months of the alleged missed payments, but the months I do have, show a solid payment schedule and plan. My husband never missed a payment ; he truly loved his vehicle. Due to greed, Bridgecrest is still claiming that the following were missed payments, XXXX, XXXX, XXXX, of XXXX, andXX/XX/XXXX. of XXXX XXXX has proven to be paid attached. Again, I have proven a pattern of poor, illegal, and immoral business practices and a violation of my and my spouses legal rights. CFPB, please assist. Thank you for your time. XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST $ XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST, $ XXXX Enclosures : Bank Statements for XXXX XXXX Thank you, XXXX and XXXX XXXX
06/05/2023	No	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 330XX	Web	Older American
On XX/XX/XXXX my car was overcome by flood water that occurred in XXXX XXXX during the severe rainstorm and ensuing flood level waters that were sustained in the area where I work. The following morning the car would not start. It was towed to XXXX XXXX, where it was determined that the car is a complete loss and it would cost too much to repair vs its value as a XXXX car with very high mileage. My insurance company, XXXX XXXX, informed me that because I did not have Comprehensive coverage, ( optional coverage in the State of Florida ) there was no compensation for the loss. For 2 months I have been trying to find anyone at Bridgecrest to provide some informationany assistance at all.in determining how to proceed. As I do not own this car, and I do not hold the title, it has been sitting at XXXX XXXX for 2 months while I try and try and try without success to get some sort of cooperation from your company, which to date is ZERO. I called Bridgecrest immediately after the flood and was told that I am required to continue to pay my monthly installment regardless ( which was not my issue ) or your company will re-possess the car promptly. I am paying storage fees for a car that I can not have removed or salvaged because I AM NOT THE OWNER. I CAN NOT PROVIDE THE TITLE. A month ago, I spoke with on of your customer service representatives, who cheerfully volunteered to email me a copy of the title, which never happened. I have politely explained all of the above to at least 4 different people, on 3 different occasions via your XXXX. One of the representatives I spoke with knew that the car was destroyed in a flood, I am assuming based on notes, yet Bridgecrest has not reached out to assist in any way, shape or form, except to leave past due voicemails from UNKNOWN phone numbers. I am inundated with past due emails. Continuing to call your customer service line is clearly a waste of time and energy and it has caused nothing but continued frustration and aggravation for me. On the various occasions I have called, I am inevitably met with your account is past due and which payment method would you like to use to resolve this? I will not continue to pay Bridgecrest for this car unless there is some sort of resolution for this issue. What do I do with this car? I am not a car dealer or a loan company or an insurance adjuster. The car was destroyed in a flood that I had no control over. I am not authorized to have it disposed of. XXXX XXXX wants the car removed on XX/XX/XXXX. It is quite clear that Bridgecrest has no interest in their customers beyond receiving payments. I am a widow whose husband died during XXXX, I work full time to support myself and I have no way of knowing what to do, how to get a salvage title or what on earth to do at this point.
07/26/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 31088	Web
On numerous of different occasions, I've contacted Bridgecrest formally known as XXXX XXXX about my XXXX XXXX XXXX. Between XXXX- current, I've spoken to several different representatives about how we could get the loan paid off. After speaking with several representatives there they informed me that our maturity date was XX/XX/2019 and we have 90 days after that to get the final payment made to gain ownership of the vehicle. My husband and I worked out a payment plan that fit our budget to get this vehicle paid off. Our final payment date should be no later than XX/XX/2019 from what the last rep provided us with. Not until I received an XXXX alert stating that my credit had been updated with a new alert around mid XXXX is when I begin to worry again. Once I got the alert I contacted the company again asking why was it a mark on our credit? The rep then stated well yes we give you 90 days after the maturity date but every month after XXXX you will have a derogatory mark on your credit and when the final payment is posted it will show paid off in a delinquent status due to not paying it off on the XXXX maturity date. After expressing how frustrated I was with the company and the lack of information being given all they could say is they understand and apologize for no one telling us if the car wasn't paid off by the maturity date it will show late every month for the following 90 days. These lines are supposed to be recorded so us a customers have to suffer with the negative impacts on our credit due to the company employees not telling us what to expect for us not paying it off by the maturity date and using their next option of paying it off within 90 days afterwards. This doesn't impact anyone credit other than my husband and I, this was a very bad business practice and I will never want to do business with them ever again. I'm glad I know this now because I have another veh due to mature early next year and I now know to work to get it paid off before the maturity date and not use the 90 days after that they advertise so they can collect more money and ruin our credit more. We are working to purchase a home and I've told the company this is on several occasions, it's sad how they can treat people and not be held responsible for their actions but they want us to pay on time and penalize us for taking advantage of their 90 day after maturity date pay off option not knowing that this would be reflected on our credit negatively. We've dealt with them over 5 years and this isn't the first time that we have received incorrect or inaccurate information. If something like this is offered the company and its employees should have to tell you that it will show negative on the credit for you needed the additional time that they allow to pay on the loan.
03/14/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web
Upon looking at my credit file, Ive found some discrepancies that need to be addressed with urgency as it is causing a major negative impact to my credit report. Following my last complaint, this company still has not provided me with Legal Documentation to prove any of their claims. If they indeed have an address on file for me, then the information requested should have been provided. This company stated in a claim that the account in question was sold off at auction and an Explanation of Calculations of Surplus or Deficiency was sent to a last known address. I requested more information to verify the debt amount and information of their claims and they have not done so. I do believe that upon looking at my credit file, Ive found some discrepancies that need to be addressed with urgency as it is causing a major negative impact to my credit report. In a statement, said company stated an agreement of {$220.00} biweekly with a final payment of {$220.00}. I am requesting that they provide me with Legal Documentation of the Federal Truth in Lending Disclosures, showing the annual rate, financial charge, total sale price, number of payments, the payment amounts, when they begin and was due to end. I would also like proof of the NOI letter they stated was sent, along with the explanation of calculation of surplus or deficiency letter they also stated was sent that is suppose to outline the amount the car was auctioned for and the remaining balance that is owed as two different amounts were mentioned in their last statement. I stand on my original statement that this debt isnt valid. In the meantime, stop reporting to every credit reporting agency until the Legal Documentation is provided that this debt 100 percent accurate. The statement below is the statement that was issued during my last attempt to reconcile this issue. On XX/XX/2020, we recovered the vehicle due to non-payment. We sent XXXX XXXX a Notice of Disposition and Our Plan to sell the Property ( NOI ) letter to her address on file. The NOI letter outlined the total amount needed to reinstate or redeem the vehicle and explained the vehicle would be sold at auction if the account was not reinstated or redeemed. We also spoke directly to XXXX XXXX on XX/XX/XXXX and provided her with a reinstatement offer. On XX/XX/XXXX, with no payment received toward reinstatement, the vehicle sold at auction, and we applied the proceeds to the principal balance of XXXX XXXX account. We sent XXXX XXXX an Explanation of Calculation of Surplus or Deficiency letter to the address on file. The letter outlined the deficiency balance still owed.This debt is invalid and I have I have never received any of the letters they say were sent I am requesting that they provide me with Legal Documentation. Thank you,
05/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	WA 98597	Web
Bridgecrest is the company that I have my auto loan through. I recently spoke with them because I was told that if I was on the app I would see what day I would have to worry about my car being repossessed or being in repo status. I noticed a tow truck car driving by my house and decided to call them and I talk to a representative who then told me that I had had 24 failed bill pay payments go through my account since the beginning of the year of XXXX this was shocking to me because I knew that the total was always so high of what the bill and payments did they wanted were and then it never seem to go down a matter how much I Paid, Ive had this car and repossession status several times because they never are straight with what is going on with the account. I was told by this representative that XXXX XXXX bill pay was trying to take out every week or so money to pay on my loan, but I havent had a XXXX XXXX account since XXXX. Theres no way that I will have an account open in order to do a bill pay and when I called XXXX XXXX and ask them about it they had no idea what I was talking about so I asked Bridgecrest if they would refund the fees that come with each of these billpay payments being returned, which is adding up to be now hundreds of dollars And I was told no. I believe Bridgecrest is a predatory loan company I think that they dont want me to do well with this loan they dont want me to pay on time they want to repossess the car again because they know that I will get it out because Ive already done that twice. Ive proven that I have the ability to Pay the extra money that cost to get it repossessed and out of repossession. I think they bank on that and I think they live off those fees that theyre charging me off some bogus XXXX XXXX bill pay that no one can explain to me if you think about it 24 payments through this XXXX XXXX bill pay they charge me a return fee of {$24.00}. Every time thats over {$400.00} that that, I am owing that I should know because I never sent anything up like that. Im hesitant to pay them any money at all because Im not sure where they apply. It seems to only go towards the interest and never towards the principal and I am afraid that its in their best interest to repossess the car, rather than let me pay off the loan, also I was told that someone manually put me into repossession status, which is why I was not able to see it on the app and it came right after my negotiation with another auto dealer who would be willing to pay off my loan from Bridgecrest and instead lend to me for a new car. Its my belief that Bridgecrest would rather get the car and sell it then have me have someone pay off the 10 day payoff quote, which would be thousands of dollars that they would miss out on on these bogus fees.
11/23/2022	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	VT 05452	Web
My complaint is about the bridge crest auto financing company.in XXXX my husband and I had a vehicle rom them our second one may I add because we yad perfect credir wirh them. But we were in a total loss accident the other ladies insurance was Deemed responsible to pay the total loss I had spoken to her insurance company several different times and they stated that they would be paying for the loss of the vehicle the last time anybody was spoken to through bridgecrest was in XXXX they spoke to my husband and apparently told him that we would still owe the payment but then I spoke to them a couple days later and explained what was going on and had an insurance company talk to them or whatever letting them know that the payment was going to be paid directly to them the lady I spoke to then said that she was gon na go ahead and have the payment deferred and wait until they received the payment from the other party 's insurance for the total loss of the vehicle. I had not heard anything from the company in over 4 years and then all of a sudden I'm in the process of buying a house to find out that there was a charge off from this company On my credit report so I called the experience they explain that I needed to call bridgecrest so I called bridgecrest and the lady was extremely rude telling us that they could not contact me because they didn't have a phone number my phone number has been the same since I was XXXX XXXX XXXX I am XXXX XXXX XXXX and there is nothing that has changed except for my address and I told them that so nobody had ever tried to contact me they just automatically charged this account off which is now screwing up my chance to get my house that I'm supposed to be buying in less than 2 months They refuse to want to work with me I finally told them that if I have to off I'll bankruptcy or file a complaint since I thoug that they were supposed to notify me if they didn't get paid or notify me if the defirmate was done and give me a Chance to pay the debt but they didn't they just automatically charged off without notifying anybody and at this point I hope I told the lady it's it's like a covid disaster there's no way I can pay it I've been out of work it's covid and I'm in the process of trying to buy a house through the FHA program in Vermont But I always thought a charge off was supposed to be they contacted somebody several several several times before just charging something off we were not contacted once past that initial communication that we had in XXXX where they told myself and my wife that they were going to defer the payments to the hardship and the fact that the other ladies insurance company was going to be paying for the total loss this company is truly a scam.. the amount of the charge off is XXXX
06/17/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 32277	Web
I purchased a vehicle from XXXX who have since changed their name to Bridgecrest. My first vehicle from XXXX was paid in full and title was released to me upon final payment. I then purchased a second car from bridgecrest XX/XX/2016. They advised me because of good standings with 1st purchase, I ccould take the second vehicle off lot with no money down. I made payments on time as stated in contract. Some time after I began experiencing XXXX issues that caused me to be on a leave of absence from work, but still managed to make on time payments. A few months later My job closed due to president emergency shut down for pandemic. At this time I contacted bridgecrest to try and get some help because not only was I off work, but My child daycare closed also! I advised bridgecrest that I was recieving unemployment, and needed to make some type of arrangement so I would not lose my vehicle after going through this traggic situation. thats when they advised me that my vehicle was already charged off and could be picked up at any time. me panicing after I had paid so much into the loan, crying and scrambling for answers. I asked to speak with supervisor, thats when she stated that if i can come up with a couple thousand dollars, they would reinstate with no grace period, due every XXXX of month and if not paid by XXXX on that day the vehicle will be repossed. Going through this financial hardship, trying to care for kids and facing eviction i took all i had to make it possible for me to keep vehicle so i can Maintain employment. the company advised me i will not be directly apart of bridgecrest to look at my account or make arrangements, only to pay. This hurt me so bad, because A company that I have been with so many years, and did business with would just kick me out going through the worst time of my life! following the shut down I was pressed to find new employment, and I did. Thats when i called to see if the company would do something to help change my due date, as the plan would go with My old employer. The staff was very nasty toward me saying, im on strict plan and it can not be changed, if I dont make the payment as stated they will come and reposses my vehicle. It is so unfair to treat a human this way. Im just a single Mother who is trying her best to survive, with all the health issues I have they are contributing tremendously. The car price started off at XXXX i now have XXXX left on this loan. I have paid for this car over 3 times! Im asking that this be taking off charge off status or just cease loan and release title, but at this point repossesion is not an option. I have put to much money and time and it would be a disgrace for bridgecrest to try and take my vehicle away. PLEASE PLEASE HELP!!.
04/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 39180	Web
I have contacted Bridgecrest formerly XXXX explained this account was settled and closed. This account has {$0.00} balance. This account with Bridgecrest formerly XXXX has been settled and closed, but is still on all XXXX of my credit reports. This account was paid fully by the insurance company upon repossession. Therefore this account needs to be removed Immediately! Therefore you are reporting false information on my credit. As a citizen I have a RIGHT to have a accurate credit report, but as a CONSUMER congress gives me a right to dispute inaccurate information on my credit profile. 15 USC 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
08/07/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NV 89014	Web
My charged off vehicle was repossessed after making my payment 7days late due to financial hardship. Though I was given a written agreement of a monthly payment of {$400.00} on the 15th with no grace period for late payments I was told by a Bridgecrest rep by phone that I can still redeem my vehicle if I make my monthly payment and pay the repo fee of {$350.00}. Bridgecrest accepted my Monthly XXXX payment totaling of {$490.00} on XX/XX/23. I called back after borrowing money to pay the repo fee but the company was closed over the weekend so I had to wait til Monday to pay the repo fee. When I called to pay the repo fee and redeem my vehicle I was told by a bridgecrest representative that I had to now pay {$560.00} because I now have a bi-weekly payment and it was due on the XXXX of XXXX. I was not informed of these changes made, When I asked was I on bi-weekly now after they took my monthly payment and the written agreement was monthly, I was told because I defaulted by paying late, they changed it back to bi-weekly payments. the company has violated the contract agreement and given false information because even on my original contract agreement before charge off the bi-weekly payments dates are not set for the XXXX. The company has made It financially difficult to get my vehicle back by charging twice ( a set monthly payment {$400.00} ) ( and a bi-weekly payment ) both for the month of XXXX in order to get my vehicle back. I was not notified of these changes the company has violated XXXX code by giving False, deceptive, or misleading representations or means. I was told by another bridgecrest representative that the monthly agreement was of no effect after the fifteen but yet they took my monthly payment for XXXX and charged me bi-weekly payments on top of that for the month of XXXX plus additional fees in just XXXX weeks of repoing my vehicle totaling in the amount of {$1200.00}. the company has put my car up for auction without giving me any written notice, I updated my address months ago by phone and even confirmed again my information and the company has not sent me any notices but lied and said they sent out notices on XX/XX/XXXX that the vehicle was sent to auction. When I called by phone to make my payment on the XXXX I was told by phone my vehicle was not in auction nor was there a key made and I was given a quote of {$350.00} after paying my monthly cost of {$490.00} to get the vehicle back. This company has financially oppressed me and robbed me and auctioning off my vehicle even after receiving my monthly payment for the month of XXXX, I was told I still owe a debt and have to pay regardless or I can't get my vehicle back.
01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39211	Web
In XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and Bridgecrest repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to Bridgecrest multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with Bridgecrest and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over 5 years ago? Was it sold, XXXX it be listed as a charge off? And if its a charge off, should it be listing late payments? When did the late occur? And why is the balance still the same, was the car not sold? Who was it sold to? Is the account charged off? If so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, Bridgecrest to report inaccurate, incomplete, unverifiable information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. For many years. This company is updating incomplete, unverifiable, and incorrect information every month. I have disputed these unverifiable inaccuracies in writing, on line, and by phone with XXXX, XXXX, XXXX, and the company ; but yet these data furnishes still allow this company to destroy my credit worthiness by intentionally reporting incomplete, unverified, and inaccurate information every month for XXXX. This company is intentionally destroying my credit worthiness by intentionally violating the FCRA requirements by intentionally reporting incomplete, inaccurate, and unverifiable information. PLEASE HELP BECAUSE I HAVE SUBMITTED MANY DISPUTES BUT THE COMPANY AND THE CREDIT BUREAUS CONTINUE TO '' UPDATE '' THE ACCOUNT WITH INACCURATE, UNVERIFIABLE INFORMATION ALTHOUGH THEY CLAIM TO HAVE INVESTIGATED.
08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 761XX	Web
XX/XX/XXXX XXXX XXXX Via Email XXXX Account Number XXXX Buyer XXXX XXXX XXXX Co-Buyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your Inquiry dated XX/XX/XXXX Thank you for your recent request. Listed below is a summary of your account information as of todays date. Original Principal Amount : {$16000.00} Payment Amount : {$180.00} Payment Frequency : Bi-Weekly Current Principal Balance : {$1300.00} Date of Last Payment : XX/XX/XXXX Current Account Status : Active Next Due Date : XX/XX/XXXX Last Reported Account Status : Active : Current Last Reported Balance : {$1300.00} Payment Habits ( Last 24 months ) : 30 days past due XXXX ( XXXX ) ; 60 days past due XXXX ( XXXX ) ; 90 days past due XXXX ( XXXX ) Bridgecrest reports to XXXX, XXXX, and XXXX XXXX. Bridgecrest Customer Service may be reached at XXXX. In XX/XX/XXXX, I was involved in a vehicle accident that resulted in a total loss of the vehicle. After a few months of negotiating with the insurance company, a settlement was reached in the amount of {$7500.00}. The check was sent directly to my lender Bridgecrest on XX/XX/XXXX. In addition to the {$7500.00} settlement, I also made my monthly payment of {$400.00} on XX/XX/XXXX. On XX/XX/XXXX, I received a letter that was very simple and easy to understand that was established by Bridgecrest notifying me of my next scheduled due date of XX/XX/XXXX. Unfortunately, Bridgecrest failed to honor the XX/XX/XXXX, due date by charging off my account on XX/XX/XXXX, due to lack of payment. Although Bridgecrest has my personal contact information, I never received a phone call, letter, or email to notify me of their intent to charge off my account. I became aware of the charge-off from an alert from XXXX indicating that my credit score has decreased. I contacted Bridgecrest to have the error corrected, but I have not been successful in my task. I decided to dispute my credit report with all three credit reporting agencies due to the inaccurate information reported by Bridgecrest. After waiting the required 30 days, I received a response indicating that the information was correct. I am not clear on the law or the rules about how each Credit Bureau collects and researches erroneous information in a dispute, but I am clear about the facts of the letter that I received from Bridgecrest advising me of my next scheduled due date on XX/XX/XXXX. XXXX, XXXX, and XXXX have all failed to remove or correct my credit report, so I am searching help from the CFPB to review the facts of the letter that I received from Bridgecrest and require all three credit agencies to remove the inaccurate information from Bridgecrest about me from my credit report immediately.
07/02/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NV 89107	Web	Servicemember
Bridgecrest is currently reporting late payments, a charge-off, and a current overdue balance owed of {$13000.00}. The issue with this account began with the seller XXXX of the vehicle failing to provide me title and registration which drug out for more than a year. I was pulled over three times, and threatened with arrest for driving an unregistered vehicle. XXXX is now involved in multiple class action federal lawsuits for this negligence. I attempted to return the vehicle in question to Bridgecrest via voluntary repossession, giving them multiple times, the address of the vehicle and explaining due to the fact it was illegal to drive and our contract for payment had been voided by XXXX I would no longer be making payments. I was XXXX XXXX military living 45 minutes from XXXX, and not having a vehicle legal to drive was not an option. I was forced to return the vehicle to XXXXBridgecrest. Then, I lost my XXXX XXXX XXXX and pay due to XXXXXXXX XXXX XXXX. In the fall of 2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. As a result, I qualify for title XXXX protection of my income, and for all debts prior to that time to be considered 'non-collectable. ' Upon dispute, they all have complied except Bridgecrest. Including federally-backed XXXX loans. {$0.00} balance, and zero adverse credit file information regarding late payments. I am in a dangerous living situation that requires swift remedy. Due to my limited XXXX income and poor credit rating from issues surrounding this exceptional hardship, I am trapped in a dangerous neighborhood during a painfully competitive housing market with a wife and small child. We have already been the victims of both property crime and violent crime. We must get to safe housing as soon as possible. I don't have months to haggle over erroneous debts and negative credit file information. The threat of harm against my family, and inability to qualify for better housing due to erroneous credit file info is keeping my XXXX XXXX up and worsening my XXXX XXXX. I have spoken to multiple attorneys regarding this case, am taking action to join one of the federal lawsuits against Bridgecrest 's XXXX XXXX, and due to the emergency nature of my situation my next step will be to pursue the matter in federal court seeking damages for duress if the negative credit file information is not removed expediently. This is your ... last ... chance to correct your position involving the false credit file information Bridgecrest and exercise " right to remedy '' prior to legal proceedings. Please comply. Only written communication will be accepted.
10/01/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 78628	Web
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXXBRIDGECREST FINANCIAL. The very next day I had to take the car to a XXXX dealer to get them to fix the transmission. A few months later the car was repossessed by XXXX/BRIDGECREST FINANCIAL. The car was sold at auction shortly thereafter and XXXXBRIDGECREST FINANCIAL sent me a notice of deficit after the auction sale. Being unemployed and homeless I did not have any funds to pay the deficit. The balance remaining after the sale of the vehicle at auction was approximately {$5000.00} This company XXXX XXXX XXXX purchased the debt from BRIDGECREST FINANCIAL and is now trying to collect {$17000.00}. They have added excessive and burdensome fees to the original debt and refuse to give an accounting of where the additional $ XXXX is coming from. Why is this amount so high? What are the hidden fees? Why are they charging three times the original debt? They have refused to provide me with a detailed accounting of where these charges are coming from. XXXX XXXX XXXX is now trying to collect {$17000.00} for a car that BRIDGECREST FINANCIAL sold at auction 5 years ago. BRIDGECREST FINANCIAL DELETED THIS ITEM FROM MY CREDIT REPORT and now XXXX XXXX XXXX is trying to collect a debt on a car which I no longer own for an amount THREE TIMES the original debt with absolutely no accounting of where these charges they claim I owe is coming from. THEY ARE TRYING TO COLLECT {$17000.00} for vehicle that was repossessed and sold 3 years ago. The vehicle was valued at {$5800.00}. They have not provided a detailed breakdown of how they arrived at {$17000.00} due and owing. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
04/14/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 242XX	Web
After filing a previous complaint with CFBP regarding Bridgecrest refusing to help customers during the covid 19 pandemic, I received a call from a management representative on XX/XX/XXXX. The gentleman was professional and offered a 2 payment ( total of only one month, because I make bi-weekly payments ) deferment. I still dont believe this is adequate for most people in the situation the country is in at the moment. I feel 2-3 months is proper. However, that is not my problem. I asked the gentleman if I had to cancel my autopay for the deferment, and he stated that no, I did not, and that all I had to do was e-sign a loan modification form. I did so at the time it was sent to me. Today, XX/XX/XXXX, I received a call from XXXX from Bridgecrest stating that she needed my permission to cancel my autopay, so my payments wouldnt be taken out during the deferment. I told her that the gentleman I spoke to the day before said I did not have to do that, and I didnt understand why i was getting different answers. I told her I would just sign in online and do it myself, so I would be reminded to set it back up. After the call, I was busy taking dare of my XXXX XXXX, so I didnt just jump to go cancel it the autopay. I received a call one hour and 45 minutes later. I missed the call but called back. The new agent told me that in order to even approve the deferment, that I had to cancel my autopay. At this point I was very frustrated. I told the gentleman that every time Ive spoken to anyone at the company, and I havent called but maybe 4-5 times in 2.5 years, that everyone I had ever talked to gave me a completely different answer and no one ever answered a question the same way twice. I tried to voice my concerns as to how they handle business, and in no way ever disrespected the representative. I even made it a point to tell him several times that my problem wasnt with him, but the company. He proceeded to tell me that if I was going to disrespect his company that he would just end the call. This company never ceases to amaze me. They dont want to help customers, they only offer to after someone makes a complaint about them, and then want to do only the bare minimum and still give you the run around to get something that should be so simple, done. Ive asked them to not call me again unless its something important but if they feel the need to explain their incompetence to me on the phone, I give them permission to call me or my wife. Something needs to be done about their poor customer service and business practice. It shouldnt take everyone filing complaints on them to offer to help.
01/21/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	IL 60411	Web
***BRIDGECREST IS IN NONCOMPLIANC OF REGULATION P, THE GRAMM-LEACH-BLILEY ACT, 15 USC 6801-6809*** I AM THE CONSUMER. This is my official notice to opt out of my nonpublic personal information, which means my personally identifiable financial information, from being disclosed to any and all nonaffiliated third parties of Bridgecrest. This includes disclosing my nonpublic personal information to any and all consumer reporting agencies. Bridgecrest did not provide me with a reasonable means of subsequent notice that clearly and conspicuously explained my right to opt out of Bridgecrest disclosing my nonpublic personal information to nonaffiliated third parties. I am now forced to Bridgecrests unreasonable opt out means, by only being able to exercise my right to opt out through a letter. After viewing this opt out notice Bridgecrest or any of its affiliates should not continue to disclose my non public information to any consumer reporting agency or any other nonaffiliated third party. Examples of my nonpublic personal information and personally identifiable financial information that should no longer be disclosed to consumer reporting agencies and any nonaffiliated third parties include but are not limited to 12 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report. I expect Bridgecrest to adhere to Regulation P, The Gramm-Leach-Bliley Act, 15 USC 6801-6809 and any other federal regulation that is applicable. I expect Bridgecrest to adhere to my opt out notice of disclosing my nonpublic personal information and personally identifiable financial information immediately. Bridgecrest can no longer disclose any of my nonpublic personal information and personally identifiable financial information to any nonaffiliated third party.
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 761XX	Web
I was involved in a car accident in XX/XX/XXXX, which resulted in my vehicle being a total loss. After two months of negotiating with the insurance company, a settlement was offered and a check for {$7500.00} was sent to the financing company Bridgecrest on XX/XX/XXXX. Once the payment was applied there was a final balance of {$1300.00} that I was responsible for paying. I received a letter from Bridgecrest on XX/XX/XXXX, indicating that my next scheduled due date would be XX/XX/XXXX. Unfortunately, Bridgecrest chose to close my account on XX/XX/XXXX, due to a lack of payment for 90 days and reported my account as a charge-off to all three credit bureaus. I have never received a phone call, email, or letter from Bridgecrest to advise me that my account was delinquent. I became aware of the charge-off due to an alert from XXXX indicating that my credit score decreased. After viewing my credit report, I immediately contacted Bridgecrest to have the error corrected, but I was told that the information was correct and my account would continue to report as a charge-off until the debt was paid. I advised the customer service agent that I received a letter from Bridgecrest indicating that my next payment is not due until XX/XX/XXXX, but nothing was done to correct the erroneous information reported to all three Credit Reporting Agencies. According to the Fair Credit Reporting Act, I decided to contact each Credit reporting bureau to file a dispute to investigate the false information. I provided XXXX with a copy of the letter from Bridgecrest to support my complaint to have my credit report updated to show " paid as agreed '', and after waiting 30 days for a response from Bridgecrest, I was advised that the information was correct and no changes could be made to change the information reported by Bridgecrest. I called XXXX to speak with an agent to make sure that the letter from Bridgecrest was considered in their decision and I was advised that it was considered, but XXXX does not have the authority to delete information that is reported by a Creditor, and the customer service agent offered to resubmit my dispute. My initial dispute was submitted in XX/XX/XXXX, a second dispute was submitted in XX/XX/XXXX, a third dispute was submitted in XX/XX/XXXX, a fourth dispute was submitted in XX/XX/XXXX, and each dispute has been sent back to me indicating that the account has been reported correctly as a charge-off. My recourse before filing a lawsuit against this company is to reach out to the Consumer Financial Protection Bureau for some resolution.
08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30060	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have attached documents that shows from XXXX and XXXX that I do not own this vehicle. The items I dispute on the attached copy of the report I received.The information onBRIDGECREST account number XXXX with a balance of BALANCE OF {$18000.00} isinaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. This item has been removed from XXXX and XXXX after they have done the proper investigation. I am instructing you to remove this fraudulent account off of my FICO score. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. Sincerely, XXXX XXXX XXXX, Thank you
08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30060	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 Original Creditor : Bridgecrest XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file.The items I disputed on the attached copy of the report I received.The information on Bridgecrest Formerly XXXX The Original Creditors processed a delinquent after my letter of a FRAUDULENT ACCOUNT it is a balances of {$460.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. This was processed on XX/XX/2021 the alert I.D is XXXX, the account number is XXXX. The industry type is Auto Financing, I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. Sincerely, XXXX XXXX XXXX, Thank your
04/24/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 37086	Web
The company involved is Bridgecrest. I obtained a car from XXXX and used their loan company Bridgecrest to finance the loan. On XX/XX/XXXX the car was totaled. I had full coverage insurance with a {$1000.00} deductible as well as gap insurance. ( I can provide necessary documentation for all of this ). When going through the entire process, it is standard to get the payoff amount for the Auto loan. The payoff amount effective XX/XX/XXXX was {$19000.00}. The following payments were made to close off the account : ( XXXX ) XXXX XXXX principal payment : {$15000.00} ( XXXX XXXX XXXX XXXX principal payment : {$3500.00} ( XXXX ) XXXX XXXX : {$900.00} Total payment amount : {$19000.00}. Meaning i was owed a little more than {$100.00} back. This should have been settled in XXXX. I was fine and forgot about the money owed until i checked my credit report and saw that i still had an active loan. And the company said i still owed {$100.00} on principal for the loan. I assumed it was because of the standard payment i made and sent in money to payoff the loan. I checked on XX/XX/XXXX, and saw that now i owed a principal balance ( and not payoff balance ) of {$600.00} to Bridgecrest, when the loan was paid off about two months prior. Per Bridgecrest own files they did the following : ( 1 ) Reversed the XXXX payment twice as both times it was applied as Principal only payment, then applied the payment as a standard overpayment. ( 2 ) Reversed the XXXX XXXX payment twice because both times it was applied as a Principal only payment, and then applied the payment once again as a standard overpayment. ( XXXX ) Reversed my standard payment twice, for what reason im not sure ( the money has been out of my account for months and was never returned, im assuming this is the same for the XXXX payments and the XXXX XXXX payments as well ). Bridgecrest reversed my payments in a fraudulent matter. The first payment reversal was on XX/XX/XXXX for all three of the aforementioned payments. After this, they reversed and reapplied the payments again on XX/XX/XXXX for all three payments, each time charging me fees and reapplying the payments on the dates of the reversal to apply interest. Also because of the reversals and how they applied the loan, my statement now says the next payment is due on XX/XX/XXXX. This is fraud. ( I have documentation for this as well ). When i saw this, i contacted their customer support and spoke to XXXX. I was not allowed to speak to the accounting team, anyone in legal, a manager, or even given a tracking number for the issue.
09/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	VA 23607	Web
I 'm having a serious problem with Bridgecrest Acceptance Corporation XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. In XXXX XXXX I purchased a automobile from XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX in XXXX XXXX, my car payments come directly out of my bank account, I never been late nor missed a payment. Now there 's a problem. I called all three credit bureaus, XXXX, XXXX and XXXX, to find out have Bridgecrest called the credit bureaus to update my credit history, Bridgecrest have not called the credit bureaus. I have been paying on a automobile from XXXX for 14 months and have not to update my credit history. I called XXXX several times, same results, Bridgecrest Acceptance Corporation does not show on your report. I called XXXX several times, same results, Bridgecrest Acceptance Corporation does not show on your credit report. Now I called XXXX several times, different results but very alarming. Bridgecrest show up in my XXXX credit report. Now I called Bridgecrest a dozen times, to let them know that they 're not showing up in my credit report and that they have not been calling the credit bureaus to update my credit history, they keep telling me that they have been calling, well I let them know that I have talked with all three credit bureaus and they do not show up in my credit report, so a Bridgecrest representative and the manager of the credit department kept telling me to just call the credit bureaus back and ask for the supervisor, for XXXX and XXXX, not only that for some odd reason a Bridgecrest representative kept asking me to mail them my credit that I recently received in the mail. Now for XXXX, I was told by Bridgecrest credit department and more than one customer service representative, that they have not been reporting and up dating my credit history to XXXX, the reason being because XXXX have a block or lock protecting my credit report, I have to call XXXX to ask them to remove that block or lock, that 's the reason why they have not been calling XXXX to update my credit history.? So if Bridgecrest admitted that they never called XXXX to update my credit history, so how 's Bridgecrest showing up on my credit report if they never called XXXX and how XXXX getting these monthly updates? For some odd reason Bridgecrest Acceptance Corporation are avoiding and evading to call XXXX, XXXX and XXXX to update my credit history. They refuse to call the credit bureaus, why? There in violation of the Fair Credit Reporting Act. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXXXXXX ). XXXX
07/15/2021	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	TX 78660	Web
Hello, I had my car refinanced through XX/XX/XXXXback in late XXXX. In early XXXX, a payoff check was sent by XXXX and XXXX ( new lender ) to Bridgecrest to payoff my loan. Bridgecrest received the check on XX/XX/XXXX. XXXX and XXXX noted they had the wrong amount sent on XX/XX/XXXX, so they reissued a new check with the correct amount and put a stop payment on the 1st check. Bridgecrest received the 2nd check and proceeded to sit on the check until XX/XX/XXXX when they finally attempted to cash it over a month after receipt. XXXX and XXXX sent a 3rd check that was received on XXXX XXXX by Bridgecrest. That to this day, Bridgecrest has failed to apply to my account. During this time, I was not notified that the checks weren't cashed. As I received an update on my credit report on XX/XX/XXXX. That stated my Bridgecrest account had been closed. However, on XX/XX/XXXX around XXXX, I received a call from Bridgecrest stating that they needed to speak to the new lender due to the checks having some issues and they wanted me the customer to contact the new lender for them. I obviously was unable to speak to anyone at XXXX or XXXX due to the time I initially received the call. I suggested to XXXX that, they normally make contact with the lenders with regards to checks and that has nothing to do with me so I advised they continue to try to contact XXXX or XXXX. On XX/XX/XXXX, my vehicle was repossessed without warning. When I spoke to Bridgecrest they stated it was due to lack of payment, which made no sense as I hadn't been notified that my vehicle was at risk of repossession. I think made several attempts on XX/XX/XXXX and XXXX to resolve the situation with XXXX along with XXXX involved in the matter with no avail. As Bridgecrest, constantly was stalling telling me that there was no one that could verify the check being received back in XX/XX/XXXX, yet I was never given an option to speak to anyone who had knowledge on fixing the situation. I was constantly referred to having to " wait '' until a manager can resolve the issue. However, here I am 9 days since the repossession and no further along in getting a clear understanding from Bridgecrest. The only thing I'm told it's my fault to keep the account current, which has no standing since the account was closed on XX/XX/XXXX, but yet reopened by Bridgecrest. This company received a payout 3 months ago and this issue is still not resolved. Bridgecrest is without a doubt the most incompetent and fraud ridden finance company in existence.
06/16/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 080XX	Web
I've tried to inquire about payments and the additional per diem interest charge on my account when the contact already calculated the finance charges. The loan amount on this is loan states {$10000.00} and I've made payment on or before the due date. But back in XX/XX/2019 the loan started getting problematic and the account started accurring per diem interest and due to the reversals of payments for corrections on Bridgecrest aka XXXX I was being charged double interest on this loan and the even though I made extra payments some because they deducted payment twice and others I made to apply to principal only the balance doenst seem to be correct and the principal only payments some are missing because upon reversal of payment it was applied to the interest because their system took payment as being late or not paid, so this account is totally incorrect and I have no idea at this time where my payment are being applied, despite the transaction history. You can see that majority of payment goes to interest. And Im not sure why Im being charged a per diem interest rate when the finance charges were already calculated in the loan amount. So I'm double paying on interest with per diem which shouldnt be on the account, and the already finance charges on the agreement. At this rate I will never be able to pay this loan off even in the allotted 66 months that also increased to 69. My payment are $ XXXX and payments started XX/XX/2019 to present but with additional payment which seem to be missing? Im not sure how they applied because the whole amount should be applied to principal but payment was reversed out there system and then applied as a regular payment and interest deducted. I cant get an accurate count on number of payments but I believe its somewhere between 28 or 30 maybe more because of reversals. I tried to contact Bridgecrest and have them audit the account and asked for explanation of the per diem interest but they keep insisting that the account is on tract. I asked why the per diem interest if the finance charges is already included, They tried to assure its the same thing finance charges and per diem interest which is nowhere on the contact that I agreed to. If you changed this is was in hopes that I would default on the loan or payments which has not been done on my part. So this is double finance charges so I wont be able to pay this loan off. I need assistance to get this account recalculated and remove the per diem interest since that should even be charged at all.
03/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 617XX	Web	Servicemember
On or about XX/XX/2019 there was engine failure in a vehicle I had financed by Bridgecrest with GAP insurance through XXXX. I spoke with several agents at XXXX and was initially informed my GAP insurance would cover the replacement engine and its parts. A few days later I spoke with XXXX again and was informed they would only cover the replacement engine but not a vital part that will make the engine work. On or about XX/XX/2019 I contacted the dealer where I purchased the vehicle to seek assistance but they were unable to assist. On XX/XX/2019 I contacted Bridgecrest and informed them it does not make sense for me to have a vehicle and to continue to make on-time monthly payments if the vehicle does not work and I am unable to drive it. I advised Bridgecrest I am willing to voluntarily surrender the vehicle. They agreed to retrieve the vehicle after I provided the repair facility my insurance company towed it to. They explained to me the vehicle would be sold and the purchase amount would be credited to my balance. I explained to them this is fine. The account was then listed to my credit report as an involuntary repossession. I filed an IL AG complaint in efforts to have the status accurately reflecting a voluntary repossession. After Bridgecrest received my IL AG complaint ( their response is attached ), they contacted me and informed me the vehicle it will still be reported as an involuntary repossession. I explained to them how could you purposely report inaccurate information to the credit reporting agencies. I initiated the surrender due to before mentioned issues. I made all of my payment on time since I signed into the contract. I continued to make my payments even after the engine failed on the vehicle. I stopped making payments once the vehicle was in their possession. Prior to this incident I did research on this finance company. Although they have many bad reviews, I still decided to go into an agreement with them. Additionally, within their response to my IL AG complaint they stated the engine was replaced by the repair facility. This is inaccurate information. The repair facility put the old engine back in the vehicle for Bridgecrest to return it. The agent at the repair facility informed me since I was not picking up the vehicle and that Bridgecrest would be retrieving it, they would not install the replacement engine because XXXX would not cover the labor costs. The replacement engine was never installed. How can they report information that is not accurate?
12/25/2021	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 78729	Web
Bridgecrest has issued XXXX unauthorized charges from the checking account that I use to pay my car loan with them. I use this checking account to pay my car loan online every month and I pay my full payment amount every time, and yet these additional and unauthorized charges keep happening. I do not owe them any additional money, so I do not understand why they keep taking money out. I also do not have auto-pay set up and never did. All charges are supposed to be initiated by me when I decide to pay. After the second time it happened, I unlinked the checking account information from my online profile with them in hopes that they would no longer be able to pull money from that checking account. However, they must have my checking account information saved somewhere else as they have just taken money from me again for the third time. I have tried contacting Bridgecrest directly about this problem but they tell me each time that they can not see these charges. My bank has confirmed that the charges are indeed from Bridgecrest. I sent Bridgecrest copies of my bank statements as proof that they are taking the money from me. I have also filed disputes about the charges with my bank. Bridgecrest has not helped me and maintains that they do not know how this is happening, so the issue never gets fixed and my bank account keeps getting money taken from it. I suspect they have my checking account info linked to another customer 's account and are wrongfully using my money to pay another customer 's bill or that they have a duplicate account for me setup somewhere with my checking account linked and are charging that account. Either way, there is some type of error with their billing which they refuse to investigate and I keep getting money stolen from my checking account as a result. On XX/XX/2021, Bridgecrest.com took {$130.00} out of my checking account in an unauthorized charge. On XX/XX/2021, Bridgecrest.com took {$100.00} out of that same bank account in another unauthorized charge. My bank was able to reimburse me for these charges after filing disputes with them but it took XXXX weeks each time because Bridgecrest themselves refused to help me or return the money. And on XX/XX/XXXX, Bridgecrest.com took {$190.00} out of my checking account in the third unauthorized charge. I have contacted Bridgecrest again and am waiting for a reply. I am also attempting to dispute this charge with my bank but I will have to wait as it is XXXX day and all the representatives are unavailable.
12/15/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 29407	Web	Servicemember
When I was let go from my job on XX/XX/2020 ( due to COVID-19 ), I informed all of my creditors about this. They all understood and informed me to let them know when I'll start having financial issues with payments. Bridgecrest is one of these creditors, and they have been harassing me everyday regarding payments. I have been able to make payments through the year, especially since I was receiving the extra {$600.00} in unemployment. After this extra amount expired, I was down to receiving only {$270.00} a week ( after taxes ). With this amount and my spouse 's income, we were able to make payments but were ignoring other bills, until XXXX. At this point, I did call Bridgcrest to inform them again that my financial situation again, but they seems they only cared about when I can set up a payment. I have informed them that I'm not sure as I have already informed them about my situation and will make payments when I can. Currently, I've made a payment to them but still receiving phone calls non-stop ( about 3 times a day ). My payment is 2 payments behind ( my payments are due bi-weekly, so equivalently to 1 month behind ). Each time they call I do explain to them hasn't changed and will make payments, even though the amounts will be the normal bi-weekly payment ( XXXX or {$450.00} per month ). They have been calling me numerous times a day about it and it's becoming annoying to where it's harassment. I did speak to a representative one day explaining the situation, but was upset ( my temper wasn't great ) and while in the middle of this, the rep hung up on me. I do understand this is a debt that I owe and know I'm behind on this. However, as mentioned above, I'm making the normal payments when possible and have been informing them that when my financial situation has changed, I will inform them and get things caught up. I have another car loan, with a higher payment amount, and they are fine with me being behind, as long as I keep in contact with them. Bridgecrest, however, feels that since their employees are back at work, and making the same amount of income, that everyone else in the nation is. I wish for them to stop contacting me constantly everyday ( even though I haven't provided them with a date of payment ), because explaining to them the same thing is ridiculous. I don't mind them calling me once a week or once a month, but not 5 times a day. If this continues on, I will consult my attorney regarding this and pursue charges on harassment. Thanks,
11/08/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	AZ 856XX	Web
I filed for bankruptcy on XX/XX/XXXX and the bankruptcy got discharged in XXXX of XXXX. I exempted the vehicle loan with Bridgecrest ( Loan # XXXX ) while filing for bankruptcy and contacted Bridgecrest about a Reaffirmation agreement several times. It is not easy to get in contact with Bridgecrest, because the company does not respond to letters or emails -at all. The " Customer Service '' over the phone is unable, or unwilling to help with any kind of problem and does not pay ANY attention to the customers problem. However, I called them several times about the Reaffirmation and my request was denied. On XX/XX/XXXX at approximately XXXX XXXX I called Bridgecrest Customer Service and asked about their offer to skip one monthly payment. I was told, that my loan was discharged with my bankruptcy and that I have no chance to skip a payment. I told the lady on the phone ( no name provided ), that the loan was exempt from my bankruptcy case and was told, I am a liar and that the loan was discharged. So I asked, what would happen, if I would stop paying the loan. The Lady told me, I would not own anything, in case I'd give the car back and that it would not be reported as a repossession, since the loan was discharged. But as long as I make my payments, ( which I intend to do ), I can keep the vehicle and pay the loan off, as agreed upon. On XX/XX/XXXX at approximatelyXXXX XXXX, I wrote another email to Miss XXXX XXXX , asking for a written confirmation, that, if I would give back the vehicle, I would not owe any money to Brigdecrest and that this would not be reported as a repossession. I asked, why the loan is still in their Bankruptcy Department, when the bankruptcy was discharged over half a year ago, and was told, since " I failed to get a Reaffirmation '', it would stay there forever. I also noticed, that my payoff amount did not change since my bankruptcy, even if all payments were made on time. As always, I received the standardized answer, that Bridgecrest does not answer to emails and that I should call Customer Service. This doesn't make any sense, since the Customer Service is unable to help customers, and just in place to block customers requests. So I have no idea if Bridgecrest intends to send me the written confirmation, or not. I will make my payments and keep the vehicle, but I need the confirmation that, in case of me returning the vehicle, I will not owe Bridgecrest any money and they will not report this highly unlikely event as a repossession.
07/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	DE 197XX	Web	Servicemember
In XX/XX/XXXX I entered into a auto finance agreement with Bridgecrest XXXX XXXX XXXX, the financed amount included additional Gap insurance coverage. In XX/XX/XXXX I was in a car accident, at no fault of my own. I filed a claim with progressive after some time my car was deemed a total loss. I signed the required releases and the XXXX adjuster proceeded to notify Bridgecrest. On XX/XX/XXXX Bridgecrest emailed a total loss notification to me. In the email I was asked provide a Vehicle evaluation and Settlement breakdown. The email also instructed me to include my account number and VIN on each page. The methods I was given to return the documentation was email or fax. On XX/XX/XXXX I sent an email to XXXX with the required information that was requested. I did not receive any correspondence from Bridgecrest or XXXX, XXXX, who apparently is involved with my Gap insurance. Because I signed all releases for progressive to issue payment to Bridgecrest and Bridgecrest nor XXXX, XXXX contacted me further I assumed that the car issue was resolved. On XX/XX/XXXX I reviewed my credit report in anticipation of purchasing another vehicle. I found that my account with Bridgecrest showed charged off with all 3 credit bureaus. I called Bridgecrest and was transferred to what I think was collection or charge off department. I was told my account had been charged off and no payment had been made, when I inquired about the insurance payment and Gap insurance payout, I was told that because no payment had been received that Gap had not paid out, I asked why insurance had not paid I was told the payoff offer was less than the amount owed on the loan. I thought the entire purpose of Gap insurance was to cover the gap between the amount insurance paid and the amount owed. I was told that I needed to talk to the total loss department, but I could not talk to them as a customer only insurance adjusters could contact them. On XX/XX/XXXX I called the adjuster and she explained that they are waiting on Bridgecrest to return the letter of guarantee. She said as soon as that letter is returned she can issue payment immediately, but shes been trying to contact Bridgecrest and know one from Bridgecrest or XXXX had returned her calls or emails and she has been trying to get this letter to be returned so she can issue payment and resolve my claim. They gave her a contact person by the name of XXXX as of today XX/XX/XXXX XXXX has not responded either. I dont believe this will ever be resolved
07/23/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30253	Web
This complaint arises out of a consumer credit transaction for a XXXX XXXX XXXX that is used for personal, family and household purposes. This vehicle was purchased on my credit card Pursuant to 15 usc 1602l ( ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ) on XX/XX/XXXX from the seller XXXX, XXXX. This transaction occurred from a credit sale according to 15 usc 1602 ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. This credit sale sealed the deal within this agreement. In XX/XX/XXXX, I began to receive several statements from Bridgecrest XXXX XXXX XXXX ( Bridgecrest ) informing me that they are servicing a loan. On XX/XX/XXXX, I sent certified mail to Bridgecrest in regards to these statements about a loan that stated was due. In the attached exhibit ( see exhibit A ), it shows that Bridgecrest created an account with my private information and is making attempts to collect on an alleged debt that they have refused to validate. Bridgecrest, XXXX XXXX, has also stated that this alleged debt does not have to be validated and that they will continue to injure me by unlawfully repossessing my property without a court order. Under the fair debt collection practices act ; Congress states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : and furthermore, The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. How can a debt be owed on a credit sale, which Bridgecrest admits that this transaction was a sale and not a loan?
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30097	Web
I started noticing some inaccuracies on my credit report. Then I started sending letters to the companies and the credit bureaus but after about 6-8 frustrating months of sending letters and evidence of what was going on. I did not get any answers. Now I decided that I need to send a complaint to the Cfpb. So, over the last 6-12 months, I have been active in disputing XXXX/XXXX XXXX Account # XXXX XXXX/XXXX Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XX/XX/XXXX up until XX/XX/XXXX then charged off in XX/XX/XXXX but how can that be if the account was 150 days late in XX/XX/XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for trXXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. I also saw another account from XXXX/XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed XXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.
11/30/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	PA XXXXX	Web
For the past few years that I've had this car there has been a precedent set by Bridgecrest for notifying of delinquencies. The few times I unfortunately got to the repossession stage I would receive an email telling me exactly what date I'd be up for repossession and there would be a banner on the web page when I logged in notifying of that same date. In XXXX I received such a notification and my car went up for repossession. My wife spoke with the reposession agent and told him that we were in the process of filing bankruptcy. He said he would take that information back to Bridgecrest. Two days later he was knocking on our door bright and early telling us that Bridgecrest advised him to pick up the car whether we were in bankruptcy or not. My wife called and spoke to an agent about the matter and gave the agent the last {$650.00} we had to our name. It meant we were going hungry but we needed the vehicle. The agent told my wife this would stop reposession and give us time to work something out. This was on XX/XX/XXXX. We started trying to gather money to get caught up and to pay for our bankruptcy filing. On XX/XX/XXXX, in the middle of the night, the day before XXXX, with ZERO warning, our car was reposessed. The agent pulled it so hard there are still marks on our driveway ( that we would like fixed ). There was no email with a reposession date, no banner on the website. None of the notifications that had been established over the life of the loan. Its as if because they knew we were filing bankruptcy they decided to just snatch it, and worry about it later. At this point we don't want the car back. We'll only be giving it back in bankruptcy anyway. What we do want is for Bridgecrest to keep the vehicle, remove it from my credit report, and not come after us for any deficiency. Bridgecrest was told numerous times about our bankruptcy filing and we will have no problem reporting them to the trustee for violation of the automatic stay that is in place. In lieu of reporting that and causing them legal and financial trouble, we simple want our business with Bridgecrest to be complete. We would like to go get our personal belongings from the vehicle and then would like something in writing from bridgecrest stating that the entire account will be removed from my credit report and the deficiency balance waived. We are prepared to take this to our trustee and as far as we can because what Bridgecrest did was wrong and they know it.
07/30/2021	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33351	Web
Add a situation back in XXXX to XXXX where I had a XXXX XXXX sonata it was supposed to be renewed tag it was in the same month as my birthday I was pulled over by an XXXX. The day before I had seen my judge he lifted a warrant that was placed on my name for not paying a restitution fee, the story goes deeper and its all a bunch of misconscrewed governmental shagovernmental showcasing around me and my parents lifes. I had had the judge signed the warrant to be lifted he agreed he ended up going on vacation. After my judge left for vacation sigrn the warrant, released me from the courtroom I was driving downtown on a tag that was inspiring the same month it's about 6 days after my birthday The same morning a mom told me to wait towards the end of the month to pay with doing kind of bad financial I'll waited the XXXX I told the XXXX the same thing I told him the warrant was cleared he told me it wasn't just to put me through the situation after reading my background discriminating against me seeing it was a day before XXXX and I'm XXXX also it's also because I realize it's an algorithm against people of XXXX or minority. So I began to notion to the cop to contact my older brother who lived XXXX minutes away from the location to pick up my vehicle but he never did! Another cop was there for eye witness they just want this kind of situation to occur to waist time and another oppotunity to digrace their jobs. So he ended up arresting me repossessed my car after explaining The war was cleared my brother lived right there it was the same month and it was a day before XXXX this discrimination at its finest. XXXX. Down to the decibal. Deficit. Ressession. XXXX. Famine. XXXX is the governs stem. Couldn't find out what my car was being incarcerated is a nightmare After trying to argue your point they just bounced you around from sale to sell whatever hours of whatever night just to be does to be arrogant I was wrongfully arrested now there's a repossession on my credit {$13000.00}. I couldn't find out where my car was at nor have my brother called them he didn't have the information from the cop I want the cops file pulled out of the other cop that was with him file pulled arrested or fired. After being in jail for 45 days I found out that they could only hold my car for 30 days all my belongings we're in there they had to put it for auction it was all against my will I was paying regularly waiting for XXXX and I was approved for XXXX.
12/15/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	GA 30310	Web
Bridgecrest sold me a mechanically malfunctioning vehicle back in XXXX XXXX, XXXX. This was 3 days after a major accident I had with an XXXX driver who knocked out XXXX XXXX in my XXXX and one in my XXXX destroying my last vehicle. When I purchased the vehicle, I was sure to buy full coverage insurance, GAP insurance and anything else they sold me as a protective add on stating I did not want to pay major repair cost on a nearly {$20000.00} vehicle. They also ensured me there were no major issues to the vehicle upon purchase. Shortly after, I Started experiencing transmission and clutch issues. I had the car serviced twice for the same issue which they claimed they resolved. By the 3rd time, they claimed my milage to resolve the pre-existing issue was just out of warranty to service the car. They claimed the repairs would cost an additional {$4000.00} to fix permanently. This was after only having the car for about 9mths! I made the decision in the fall of XXXX to do a voluntary surrender stating they sold me a bad vehicle which is concealing information while engaging in a lawful contract. Transmissions and clutches on automatic cars don't burn out on vehicle within 9 months unless they're already bad. I did research on the XXXX XXXX and found many of them were having those same issues and consumers we're getting stuck with " hidden lemons. '' Bridgecrest not only failed to provide this information upon signing the car loan, they failed to provide the following via mail or certified mail at my primary residence of 10yrs. : -No right to redeem letter according to GA right of redemption laws -No 10 day letter of guarantee prior to car auction/sale -No post-auction sale statement showing the sale balance recovered at auction. This loan is illegally on my credit report given the above information hasn't been provided by the consumer law protection codes in the state of GA. The loan balance to date shows the original balance and a massive amount of interest totalling {$22000.00}. Original loan amount Bridgecrest needs to provide this information : -Rght to redeem letter according to GA right of redemption laws -10 day letter of guarantee prior to car auction/sale -Post-auction sale statement showing the sale balance recovered at auction. The request to remove the loan from my credit report and provide the necessary redemption letter, 10 day letter of guarantee and auction sale information via certified mail.
01/04/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 76002	Web
On XX/XX/XXXX my unit was picked up from my place of employment. I contacted the lender and they advised I was 54 days past due and because of a previous cease and desist - they could not contact me, and since I didn't call them they moved forward with an involuntary repossession. I questioned the cease and desist and why nothing would be sent in writing ... I was advised there is a full and a partial cease and desist and they have me as requesting a full. I requested the email request for cease and desist that I sent as well as the verbal request be pulled for review. I questioned there policy and procedure and how it relates to cease and desist and is there a required script. I was advised that while they are not permitted to make contact with a full cease and desist they do have to follow all state and federal laws so if a RTC is required by the state regardless of the cease and desist they have to send a RTC letter. So I am asking the CFBP to look into not only my concerns but take a closer look at bridgecrest and there repossession policy. I am asking that all calls made to me be pulled and a determination made if FDCPA was violated with the amount of calls generated to me in the months of XXXX, XXXX, XXXX, XXXX and XXXX. I am asking that the CFPB specifically look into bridgcrest Cease and Desist policy and how it relates specifically to my account and not receiving a RTC letter. I would like the CFPB to look into how me speaking to them on XXXX in regards to warranty information on my unit, relates to no communication within 30 days and a repossession at XXXX dd. I also spoke to a rep on XXXX who advised the locks on my unit were ordered to be changed by the tow yard and this would be an additional fee if done. When I arrived to the yard to pick up my items the manager advised bridgecrest would never change the locks on the unit because it is foreign in addition he showed me his computer screen, which showed all communication with bridgecrest and never was the locks being changed a conversation or request. This is fraudulent behavior by bridgecrest representatives and only adds insult to injury. I have made a verbal complaint with bridgecrest, I have filed 2 complaints as of today with the BBB. I will be filing a complaint with the State Attorney's office and will continue to reach for assistance until someone can explain to me how my rights as a consumer were not violated and or my vehicle is returned.
02/26/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 43227	Web
XX/XX/XXXX. I signed my name to a loan for a vehicle through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX for a used XXXX XXXX XXXX I.D . number XXXX Annual percentage rate 21.689 %, Finance Charge {$14000.00}, Amount Financed {$18000.00}, Total payments {$32000.00}, Total Sale Price {$32000.00} including down payment {$400.00}. I have been paying Bridgecrest {$430.00} every month since XXXX. I got behind in my payments XXXX, because of income decrease and have been trying to get caught back up. My truck was repossessed XXXX Total unpaid contract balance including accrued finance charges, other fees, and any other amounts added to my debt, if any, as allowed by law expenses of there retaking the vehicle. {$10000.00}, {$300.00}, Total amount required to redeem {$11000.00}. I was able to negotiate {$960.00} to get my truck back. Today I spoke to Bridgecrest about another decrease in my income, and if they could go by my income that I'm getting, because I have not been able to pay my rent in the amount of {$760.00} not including Gas, Electric, Water. I was told to pay {$360.00} starting XXXX, {$850.00} by XXXX, or {$1100.00} by XXXX and make regular payments of {$360.00} every two weeks until it will be paid off by XXXX XXXX and my title will be {$18.00}. I simply can't afford this with the income that I have been making. I have been paying on my truck since XXXX. I can't afford to loose my vehicle I have been paying on this long. And I have been doing the best that I can to pay them. They told me that they can't base anything off my income, because I agreed to pay this amount at the time I signed the loan even though I not making what I used to make. I'm still responsible for paying this amount. I am a single parent with a child at home and I should have never signed my name to this loan. All I wanted was a decent car to drive instead of driving a lemon, I have been charged triple for this used vehicle. The covid has been in existence since XXXX. I work with developmental XXXX and it has allowed me to continue to work. I can't work from home. I also have been trying to work odds and ins jobs just to make ends meet. Please don't let them take the only transportation that I have to go to work. It's hard enough. I have other bills, Truck insurance, Maintenance and repairs. I simply can`t do anything at this point, but pay Bridgecrest which is putting me further into a debt crisis.
03/10/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX 76017	Web
In XXXX of XXXX we notified XXXX that the vehicle was having mechanical issues and we were not able to get it registered or fixed. Our account was severely delinquent for the past year, we would make a payment only when an email was sent advising the date of repossession. We recently were forced XXXX XXXX the vehicle and it experienced engine trouble resulting it not being able to be moved. This was on XX/XX/XXXX. It was stuck at a gas pump, I had a certified XXXX mechanic come out to inspect the vehicle. He told me that his shop could not fix it, and only the dealership could fix the vehicle. He helped me push the car to a parking spot. I then notified you of the issue with the vehicle. I spoke to your executive office and was assured a repossession company would contact me to arrange pick up. During the initial call, the representative gave me false information related to my credit reporting during her attempt to make me keep and pay for the vehicle. I was voluntarily surrendering the vehicle to avoid further fees and negative credit reporting but you told me that i had to have possession of the car even though I am calling you to tell you to come get it. We agreed that the repossession company would contact me to arrange pick up and I would meet them to give them the key to have it considered a voluntary repo. I called earlier this week and was told that I had a payment arrangement scheduled and it would not be picked up. I had to explain the situation again and remind them that the vehicle was not running and my arrangement was deleted. I was told it would be picked up. I called again today, XX/XX/XXXX and was told that you sometimes wait until the involuntary repossession date to secure a vehicle. I do not agree with this as we made an agreement to have it voluntarily surrendered. Your company calls non stop multiple times a day and the representatives are very rude. My credit is absolutely destroyed and i've been paying for a car that i couldn't ' even drive. Please quit trying to charge me more money and prolong this ordeal. The situation is that we purchased a car at your dealership XXXX, financed with your company BridgeCrest and our extended warranty is with XXXX, also your company. The warranty we bought from you on the vehicle from you can not even fix the car we purchased. Dealerships are not in the network and that is the only place that can fix the car.
10/10/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MD 20774	Web
Almost all of these corporate businesses double dip and hope that we the natural living people have been conditioned well enough by their XXXX XXXX, to pay them a second time. Please, excuse my ignorance prior to, but you all are out of your corporate mind to think you would get away with this. On top of that, I have been harassed by representatives from BRIDGECREST ACCEPTANCE CORPORATION. They contact me multiple times, send 3-4 texts a day, call from 3 different phone numbers and threaten to take MY PROPERTY, and send emails 3-4 times a week. Whats even crazier is that they work closely with XXXX XXXX XXXX XXXX to coerce people into making payments that are already paid as they are obligations of the United States according to XXXX XXXX. XXXX put, they simply capitalize off of natural living persons knowing what they are NOT knowing. Just evil. Ive spoken to multiple reps and asked them to send me a TRUE BILL and DOCUMENTARY EVIDENCE instead of an itemized ( statements online ) list of when my alleged debts are due. What they send is certified mail that is stuck to my door, for any and everyone who passes to see. Please understand, I know you are aware that a statement documents what was due and paid, whereas a TRUE BILL represents only what is due. I KNOW BRIDGECREST ACCEPTANCE CORPORATION aka the Bank has direct access into these Cesta Que Trusts and all they needed was my name, social security number and signature to start their FRAUDULENT ACTIVITY. According to the BILL OF EXCHANGE via HOUSE JOINT RESOLUTION 192 on XX/XX/1933, no one in XXXX has been able to lawfully pay a debt. Payment of debt is now against congressional Public Policy. Henceforth, every debt obligation shall be discharged. So why do you continue to proceed on the collection of an alleged debt when you know it is against the law? FRAUD -by definition is- wrongful or criminal deception intended to result in financial gain. AND doing business with XXXX, XXXX who willfully and knowingly choosing not to disclose certain information is fraudulent and misleading pursuant to 15 USC 1601 ( a ) which is to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid uninformed use of credit, and to PROTECT the consumer against inaccurate and unfair credit BILLING- which I am CLEARLY a victim of.
08/11/2021	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	GA 30809	Web	Servicemember
I bought a car from XXXX, used their lender ( Bridgecrest ) for convenience. Refinanced with XXXX, sent payoff check to address listed in Bridgecrest 's FAQs. Mailed it signature confirmation, but never signed for. I contacted Bridgecrest, told that was not the best/correct address for payoffs, was advised to cancel check, have new check sent to XXXX, AZ address. Did this on XXXX and new check arrived to me XX/XX/XXXX. In the meantime, received notice from Bridgecrest that loan was paid in full. Assumed they were able to process check before it was canceled. Received call on XXXX, check was returned unpaid. XXXX advised check not paid because it did cancel before they processed it, advised to send second check that I received XX/XX/XXXX. Sent that check XXXX overnight, signature confirmation. This was signed for XX/XX/XXXX at XXXX. Received call XX/XX/XXXX, payment late, they haven't received/processed check, a FULL month after check signed for! Received emails about late payment, repossession. I was assured that it was being taken care of, that my account was on a hold status so that nothing would be reported to the credit bureaus. On XX/XX/XXXX, Bridgecrest responded to my XXXX complaint that my account was paid in full, everything back dated and closed. On XX/XX/XXXX I received another email saying my account was past due and that was the last day I could pay without being reported. I again reached out to my POC, XXXX, who didn't contact me back until XXXX and told me that the second check was returned Insufficient Funds! I knew this was a complete lie. I went to the credit union first thing the next morning where I was able to get a photo of the processed/paid check and the electronic transaction record. I sent her this proof and the next time I tried to log in to the Bridgecrest portal, it said I no longer had an account. I was fine with that, thinking this mess was finally over until I got notification that my account was reported as 60 days past due to the credit bureaus!!! This company is completely incompetent and extremely deceitful. I have tried contacting them multiple times to get them to clear this up with the credit bureaus and I have disputed the reporting myself, but the damage is done! My credit score has dropped over 100 points!! They need to be held responsible for everything that they did, or really everything that they DIDN'T do!
08/15/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IN 47130	Web
Beginning in XX/XX/XXXX, I pulled my report to find ways to improve my credit score. As listed on my credit report, XXXX XXXX XXXX XXXX XXXX had issued a repossession with an open date of XX/XX/XXXX, first report date of XX/XX/XXXXand a status date forXX/XX/XXXX. I was a co-signer on the contract with my mother, XXXX XXXX. The original amount of the loan was for 65 months for XXXX . A new balance was reported as ofXX/XX/XXXX of XXXX $ .The car was originally totaled back in late XX/XX/XXXX. There were phone calls made to XXXX at the time of the accident to voluntarily repossess the vehicle, as early as XX/XX/XXXX. The car continued to sit in my parking lot wrecked until late XX/XX/XXXX, early XX/XX/XXXX. There was no correspondence from the company regarding any derogatory balances or communication confirming the repossession/towing of the vehicle. It was as if the car had disappeared from our lives, until just as recently as XX/XX/XXXX, where XXXX has been harassing my mother regarding payment ( although the car is totaled ) and has not sent any formal mailing obligating her or myself to this debt. After sending my first dispute at the end of XX/XX/XXXX, I received a letter back from Bridgecrest, XX/XX/XXXX stating that they could not process my dispute because they did not have an updated/current address for me. After another letter was sent, ( still listing a current address ) I received a response dated for XX/XX/XXXX. It had my mother 's name listed this time, with the complete wrong address. ( The city and state did n't match the street address. The KY post office had to write the proper address info outside of the envelope to ensure it would be received. ) I then sent a 3rd letter regarding my request to show proof and validity of debt dated for XX/XX/XXXX to the credit bureaus directly, asking for proof of this debt. I only received respsonses from all 3 bureaus with statuses left unchanged and refusal to dispute further. I have since contacted my local law enforcement to determine if there was a formal repossession report filed with my county by law, and of course, there was no record indicating this event. Please refer to the article you all had published, concerning XXXX and their debt collection practices. The parameters of this civil suit matches my situation and I am looking to seek a solution ASAP. https : //www.consumerfinance.gov/XXXX
05/26/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 95648	Web
On or about XX/XX/XXXX, a retail installment agreement was made between XXXX/Bridgecrest and XXXX XXXX XXXX XXXX The agreement included GAP insurance which covered and indemnified the full amount of the retail installment agreement. The vehicle named in the retail installment served as collateral along with the security interest in the note which subsequently turned into a security after 9 months. Bridgecrest executed an involuntary repossession on the vehicle on or about XXXX XXXX. However, after a vehicle title search and UCC 11 search, Bridgecrest had not perfected title nor security interest via perfected lien, on the vehicle. Additionally, after further research, Bridgecrest received indemnification of the retail installment contract via the GAP insurance payment filed by Bridgecrest on or about XX/XX/XXXX thus eliminating any monies that may have been alleged to be due on the contract. However, in XXXX, after filing numerous complaints against Bridgecrest, Bridgecrest continued to assert that there was a remaining balance outstanding on the contract ( See responses to previous CFPB complaints by BRIDGECREST ). These responses evidenced Bridgecrest 's failure to properly address the concerns raised in both complaints by victimizing the complaintant with a recitation of the history of payment transactions with no evidence provided for such transaction history. Bridgecrest also failed to properly file a 1099C with IRS, and forward the appropriate documentation per tax codes and IRS policies, as the alleged debt was over 3 years old and had been " charged off '' according to Bridgecrest 's accounting records. Bridgecrest has also violated the Security Exchange Act by not properly reporting the security transactions it engaged in, and failing to disclose such transactions per TILA. Bridgecrest has also failed to provide me with the full accounting of this contract according to GAAP and GAAS, despite numerous complaints and requests to do so. Bridgecrest has been willfully negligent and violated federal and state laws, along with violations according to the Securities Exchange Act. ( The latter will be reported directly to the SEC ). BRIDGECREST further violated by executing an involuntary repossession on a vehicle in which they had not perfected a security interest nor title, thus committing fraud and theft just to name a few federal violations.
07/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 90015	Web
I financed a vehicle with Bridgecrest and made the first payment on XX/XX/XXXX. Unfortunately, on XX/XX/XXXX I had to file bankruptcy to stop a debt from an ex-husband. All of my bills were paid on time and I had not missed any payments, the filing was simply to stop a tax debt that was not mine. When I filed, I notified Bridgecrest to let them know that I would be reaffirming the loan, however an employee name XXXX XXXX contacted me to inform me that even though I would be continuing to pay for the vehicle, they would no longer report the payments ( I was willing to live with that ), and also that they would be REMOVING the account completely from my credit file. This I DO NOT AGREE WITH. Other than for punitive purposes, there is no reason to remove an account from anyone 's credit report. This is a form of " Re-aging '' and I believe it's illegal. I spoke to another employee there who stated that reporting was voluntary, and that's fine, however, once a company decides to report that account has to remain with accurate information. My other accounts remained but reflected the bankruptcy status. I even mentioned this to the bankruptcy trustee and even he stated that he had never heard of such a thing. I paid that account on time until the surrender and I want that account put back on my credit for it has re-aged my credit reports by its removal. That account was opened in XX/XX/XXXX and the credit file that it was removed from states that my oldest account is only 8 months old. This has in essence re-aged my credit report. At the time that Ms. XXXX informed me of there unscrupulous policy, I had her email a copy of my payment history for my records and for proof. Please let me know what documentation you need as this is in direct violation of the FCRA. I am trying to resolve this issue through this method however, I am prepared to take Bridgecrest to court as it has caused some financial hardships with having to pay higher interest rates because with this account being removed from my file, it appeared that I had not financed a car prior. I also have two finance managers from two well-known dealerships that are willing to make a statement and/or testify if I have to take this to court verifying the above statement. The original contract date was XX/XX/XXXX. Reaffirmation amount was to be {$18000.00}. Bankruptcy case number is : XXXX
06/10/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	PA 170XX	Web
In XXXX of XXXX I refinanced my XXXX XXXX XXXX from Bridgecrest to a new lender. I was not aware that time but my GAP insurance was cancelled and I was owed a refund of {$640.00}. At that time Bridgecrest did not advise me of this. For an entire year they withheld the {$640.00} after my loan was no longer with them. Finally in XXXX of XXXX I received a letter indicating that if I would like to receive my GAP insurance refund I had to sign and submit the attached request. I did that and the request was processed by XXXX XXXX on XX/XX/XXXX. Last week I contacted XXXX XXXX via e-mail because it appeared that had an old address on the confirmation the sent me. They told me that Bridgecrest would be sending the check and I had to contact them. I have an auditory processing disorder so my wife contacted Bridgecrest for me that same day and the indicated they had no idea what she was talking about and told her to call back the next day to talk to the financial department. She waited a week to give it time to get in their system, then she called back two days ago. She spent almost 45 minutes on the phone waiting on hold. Eventually the representative told her that they had to contact XXXX XXXX. The rep contacted XXXX XXXX, confirmed that there was a GAP refund of {$640.00} that needed to be sent. The representative came back on the call with my wife and told her that the check won't be sent yet because XXXX XXXX hasn't yet notified them. Even though XXXX XXXX JUST told her that a refund was owed, so I'm not sure how almost 4 weeks later that isn't " notification ''. The rep told my wife that it could be up to another 4 weeks! My wife also asked about the issue of the incorrect address. The rep said that she would add a note to the file but couldn't guarantee it would be sent to the correct address. The old address is no longer forwarding my mail so if the check is sent there it will be as good as gone! My wife asked if the funds could be directly deposited to my bank account and the rep never really answered her question and just brushed her off and talked about the mailing date. In the current days of massive job layoffs and covid-related expenses, this {$640.00} would go a long way in helping my family. However, after holding on to it for a YEAR after it should have been return, it seems Bridgecrest is in no hurry to send it to me.
05/28/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA XXXXX	Web
I purchased a vehicle with VIN # ending in XXXX from XXXX and opted for financing through Bridgecrest. My very first payment was due on XX/XX/2021 which was paid via card online on XX/XX/2021. On XX/XX/2021, I received an email stating that I'd missed my payment. I immediately made contact with Bridgecrest via text message. The representative informed me that my payment had been applied to " my previous account ''. I informed her I only had one account. She stated that her manager would be applying the payment accordingly on said date and apologized for the inconvenience. That was an hour long ordeal. As such, I continued to check my account daily and there were no updates. But I was not getting anymore emails and notifications so I presumed it was in process. Then on XX/XX/2021, I received a letter via USPS mail entitled " Notice of Right to Cure and Intent to Repossess '' and dated XX/XX/2021. This letter was demanding payment of the past due amount by XX/XX/2021. I immediately called Bridgecrest and asked for the contact information for their general counsel office. I was told that their General Counsel does not converse with customers. I let her know I didn't want to converse with them either. I just needed to have my attorney send them their paperwork. This representative also made mention of " the other account ''. But she added that it existed because I'd originally had a different vehicle ( same make and model ... different VIN ... which I swapped out for the vehicle currently in my possession ) from XXXX. I informed her that the payment for that vehicle was a totally different amount AND I never signed up for Bridgecrest until long after the swap took place. She claimed to be escalating my call to someone who could assist. The next individual verified all that is stated above and said she needed to contact yet another department and would return my call that day. I still have not heard from anyone and my payment remains misapplied. The current acct # ends in XXXX and is reflecting as past due. The payment was applied to acct ending in XXXX and was the sole account available on XX/XX/2021. The {$540.00} payment was made, they got their money, and now they want the property back when they have no grounds? Bridgecrest and XXXX are a fraudulent union and need to be investigated from the date they were incorporated.
09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85248	Web
As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumes of their information sharing practices and provide for a right to opt out of certain sharing, In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX XXXX, XXXX XXXX XXXX ) XXXX According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service performed for the consumer ; or Otherwise obtained by the financial institution. Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ill ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you to remove the below-mentioned information from my Consumer Report ; XXXX XXXX BRIDGECREST XXXX XXXX
09/21/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92335	Web
I am having issues with my vehicle loan through Bridegcrest due to inaccurate payment scheduling that has occurred multiple times. It occurs when I am called by Bridecrest for late payments collections and to bring my account current. At least three or four tiimes I have been called for late payment collections and have requested repayment dates that suit me with regards to other financial obligations yet the service representative scheduling an online payment to bring my status back to current will enter a date that adheres to the loan schedule and not by what I am verbally requesting. This causes a domino effect of me not being able to pay the next bill on time because the dates I require in order for funding to be available isn't always based on my Bridegcrest loan repayment schedule. The agreed scheduling would bring my account current if they followed it, but they don't and schedule the payments to their benefit or to fulfill whatever collection quotas they have but it leaves me in a financial burden to make the next payment because they are taking money out of my account before it was allocated for them. Since I have received the loan I have been in a constant delinquency and credit reporting and it all stemmed from their late collection payment rescheduling that first occurred three months after I received the loan. In that instance, I was called to bring my loan current but they scheduled the payment before the agreed upon date. My loan eventually needed to be restructured and my loan was extended almost another 6 months. My most recent occurance of this happened, this month. I was called to bring my account current and scheduled two payments to be taken out this month. One was this XXXX on XX/XX/XXXX and the other was for {$400.00} on XX/XX/XXXX. I just found out the XXXX was already taken out on XX/XX/XXXX. All in all my account should be current with all the payments I have made by now yet it is not. I know this is in part due to late payments but the type of delinquency reporting, total of loan payments, and daily interest accrued just do not make sense for any vehicle loan. Looking back t honestly would have benefited me more to have voluntarily reposessed the vehicle after the first late payment rescheduling error because I have been hassling with this loan the whole time.
02/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64850	Web
To whom it may concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found late payments on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the late payments reporting on the account listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report as being late. Please dont respond to my request by saying that the account have been verified, or that the late payments are accurate. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed late payments on the specified account, then please delete the late payments immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified late payments on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts, and unverified late payments, must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each missed payment, listed below within 30 days of receipt of this letter then you must remove these late payments from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. I am protected against the unfair reporting of the said late payments due to the Section 611 ( a ) ( 5 ) ( A ) ( i ), as well as being impacted by COVID-19. I have attached my extension agreements, although I was granted four extensions, they continue to report my account as 30-90 days past due. I am requesting that the 8 late payments be deleted immediately. ACCOUNT # XXXX Bridgecrest account listed under XXXX XXXX XXXX maiden name )
06/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 294XX	Web
We took a car loan out from Bridgcrest Financial in XX/XX/XXXX. The account remains active with approximately one year remaining. Approximately XX/XX/XXXX, without our knowledge or input, Bridgcrest states they deleted the trade line from all credit reporting agencies ; as of today, this loan and our 100 % perfect payment history does not show up anywhere on any credit reporting agency. My first interaction with Bridgcrest regarding this was in XX/XX/XXXX, the time we discovered this had happened. Early XX/XX/XXXX the Customer Relations person from Bridgcrest called me to say they had identified the problem that caused the error and would be retroactively reporting all payments immediately. I recently received a letter from them dated XX/XX/XXXX which stated the exact opposite of the call I received and reiterates the trade line deletion. I engaged with them again several times and again was told it was an error on their part and it would be taken care of. The initial explanation was that because I filed chapter XXXX in XX/XX/XXXX, their policy is to not publicly report. I informed them I did NOT file chapter XXXX with their loan, my chapter XXXX occurred 19 months before I had ANY business with them. This loan was intended to help improve my and my husbands credit rating. They unilaterally removed reporting without our knowledge or input and they have admitted it was an error yet they have not fixed the problem. Because of this, I am about to buy out a lease which will cost me nearly9 % higher interest rate BECAUSE my auto loan with Bridgcrest does not show up on any credit report. Bridgcrest tells me they have sent info to XXXX. I have a case file on this with XXXX and again today they have stated they received nothing from Bridgcrest. XXXX agreed to reach out to Bridgcrest, obtain the information and fix my credit report if I could provide a letter from Bridgcrest stating the account was active and payments were being made. I have asked Bridgcrest for this letter three times, I've been promised it three times and still I have not received it. I believe this is a breach of the contract I have with them. I need enforcement assistance please. Please let me know what additional information you need to assist with this issue. I appreciate your help. Thank you, XXXX XXXX
10/11/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MD 21114	Web
Good Afternoon, My name is XXXX XXXX and I am writing to finish my ongoing battle with XXXX XXXX on some unfair and unreasonable marketing tactics. To start off I have been at this for a while with them and as of late I was obviously distressed and upset and still am for the treatment I had been given from them when dealing with my two vehicles I had purchased from them. Some emails had been exchanged on my part that I do have to apologize for but I have been and still am upset and just was trying o get what I believe is fairly owed to me. I have made all of my payments on time and will becoming up on a year now and have nothing to show for my troubles. My Credit Score hadn't gone up and the way they financed my new vehicle they made out and was able to increase my interest rate because of no fault of my own. They did offer me a settlement which at the time I had planned to reject because I was to give up my rights and youldnt complain any further but wrongs done to me. So I did reject it but before I could I was contacted by XXXX from Customer Relations with the message that offer of settlement was rescinded due to my emails and them basically coming to the conclusion that no matter what they did I wouldn't be happy. Looking back I should have taken the offer but glad I didn't because I still have the right to complain about horrible situations this company has put me into. They offered me to give me my original interest rate I had on my 1st vehicle I had purchased back from me because of the mechanical issues that I was having and going back and forth with them that this vehicle shouldn't have never been sold to someone in the General Public. Not to mention money I had paid into my first vehicle I wouldn't see back because it was time that I waist that vehicle which I was ok with at the time but was understanding that my Onetime payments would reflect my new interest rate. First they said it did before it was deleted and got another answer all together afterwards. I want what is fair tired dealing with this company by myself I was told even though the CFPB has no legal opinion in matters but could help me the customer who has been done wrong by a company who clearly takes advantage of consumers that have horrible credit and expect them not be able to fight back.
06/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 448XX	Web	Servicemember
I have a car loan from a company I know as Bridgecrest. My complaint is that it is extremely difficult to pay down the principal balance of the loan. Their web site and their " system '' simply don't give principle payments as an option. Nor do they allow me to view a statement of the account. For me to make a principle payment I first have to go online and make a payment of an amount more than the next due minimum payment. By default their " system '' attributes anything over the minimum payment due to future minimum payments due. Next I have to call their customer service department and ask to have the the additional minimum payments due reversed and then paid toward principle. I am then told the process can take 3-5 business days and to check back with them to verify the change. Next, I will detail my most recent attempt at making a principle payment : On XX/XX/2021 I went to their website and made a payment of {$6000.00}. Immediately after, I called their customer serviced and asked that a regular payment of {$270.00} be made and that the additional {$5700.00} bet put towards the principle balance. I was told the changes would be made and to check back later to verify the changes. On XX/XX/2021 I checked the site and the changes had not been made. Again, I called and was told my previous request had never gotten submitted but that it would now be. Again, check back later to verify the changes. On XX/XX/2021 I checked the site and the changes had not been made. This time I was told the changes were in process but not yet complete. " Check back later. '' Today, XX/XX/2021, the site still showed no changes. I made yet another call. No explanation was given. They promised to make the changes and call me with updates. They told me it could be another 3 days. I asked for a statement of my complete payment history and was told it was available to me on their site. It is not, though they insisted it was. I asked that rep to walk me through the process of getting the statement online. She then put me on hold and transferred me to someone who she said could help me get the statement. That person didn't walk me through anything, she simply verified my email address and said she would send me the statement. Again, this could take 3 days. Still no solution.
06/09/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32926	Web
The following car loan company is of my complaint. Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX My account # at XXXX is XXXX XXXX XXXX XXXX XXXX XXXX filled out form on the phone with XXXX for a deferment on XX/XX/XXXX after confirming the following payment with him as he spoke with me earlier that after that payment I would be qualified for a deferment Thank you for your one-time Bridgecrest payment made on XX/XX/XXXX using Confirmation XXXX Payment date : XX/XX/XXXX Payment amount : {$340.00} Service fee : {$3.00} Total amount charged : {$340.00} Payment status : ACCEPTED Account number : XXXX Payment method : Debit Card XXXX I was told that I would receive via email a docusign or in the mail. 2. I called customer service after a week or so and was told someting entirely different : " You must go online to receive docusign. '' I then did not see it there. 3. I called XX/XX/XXXX to ask what happened, was not given information. 4. Called XX/XX/XXXX was told it was because of a discrepancy of {$9.00}. Oh so I was told to pay it and reapply. 5. I paid the following amount Dear XXXX Confirmation number : XXXX Payment date : XX/XX/XXXX Payment amount : {$10.00} Service fee : {$3.00} Total amount charged : {$14.00} Payment status : ACCEPTED 6. Calling to fill out deferment on Friday XX/XX/XXXX I was told the agen could not hear me properly so I told her I will call back in hour. 7. IN one hour another agent this time a female with the same name as the male agent XXXX said it was too late filll out form and that repo time was next week. 8. Called again to get yet another agent named XXXX a male, told me I was not able to even apply now had the wrong information about how many payments I made so I simply said I wil report to government agencies of the situation, and that it was not only a setup by lack of information and status but fraud on the part of not helping a consumer with the true information needed. This company has other complaints similar and several lawsuits in action that they play XXXX and give false information and isnturctions in order to set up the car owner with a repossession. I have health issues and am over the age of XXXX and this is too much for me and my vehicle is essential for my work and eating.
09/19/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	DE 19720	Web	Older American, Servicemember
My husband and I purchased a car in XXXX at XXXX on XXXX XXXX, XXXX XXXX financed through Bridgecrest XXXX XXXX XXXX, XXXX, AZ XXXX. The car title is just in his name. My husband died XX/XX/XXXX and I contacted Bridgecrest in XX/XX/XXXX to inform them that XXXX passed away and to make an additional car payment. We had auto pay so the account was and still is current paid up to the end of XX/XX/XXXX. Bridgecrest told me they needed a copy of his death certificate and POA that they couldn't discuss the account with me because I wasn't on the Title but they allowed me that day to make an additional payment ( XXXX 's pymt ). In XXXX I went to renew my tags at XXXX and my car was flagged to go to Register of Wills to get death cert./POA and I did. Long story short XXXX wouldn't renew my Tags because my name wasn't on the Title and told me to contact Bridgecrest for resolve. Per Bridgecrest to add my name to the Title they had to go thru this process that could take up to 90 days '. I said before we started let me give my financial info., Per Bridgecrest my income was ok, they ask me if XXXX had any children, I said yes, so they informed me that his children had to sign off thru a notary that they didn't want the car. Long story short, I told them XXXX separate times throughout our conversation to start the process, but I also told them I needed to research to see if that was legal for them to do because XXXX and I was married in XXXX, we purchased the car in XXXX, what does his kids have to do with it and if all children didn't want to sign why would I pay for a car that might not never be mine. Bottom line, I told them to start the process. Next thing I know my car was taken out of my driveway on XX/XX/XXXX and I called the police to report my car stolen because that's what I thought happened since my car was paid up to the end of XXXX. I did not know that they repo my car. XXXX Police responded and toke the report. Long story short, I later found out that Bridgecrest repo my car, that they said I told them to come get the car .... ( which they toke out of content ). They then started playing semantics with what I told them. I know I probably left out some pertinent info so if someone can contact me asap I will gladly give you more details.
01/13/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	NV 89148	Web
I bought a XXXX XXXX XXXX XXXX from XXXX XXXX Bridgecrest on XX/XX/XXXX for XXXX Plus I also added three extra services because it was used, and I wanted to make sure it was covered in case of a breakdown, loss, damaged, or totaled. So I paid XXXX for Gap, and XXXX for motion Gps and, XXXX for XXXX XXXX coverage for maintance issues. will on XX/XX/XXXX I was in a auto accident, and the car was deemed a total loss. I was rushed to XXXX XXXX at XXXX in XXXX XXXX for a XXXX XXXX, and was in XXXX. I filed a claim, and the insurnace and, Bridegcreast agreed to a settlement amount of XXXX My insurance sent a check in XXXX and, another in XXXX. Gap also applied XXXX and, I had made payments in the amount of XXXX. I never did get a refund on my warrantys even after I canceled them acording to XXXX it was applied to my balance. The car was only XXXX dollars, I only had the car nine months. Bridgecrest charged off my account, even after they got over XXXX. That is odd because they got payments in XXXX XXXX XXXX. I spoke to XXXX from Bridgecrest on XX/XX/XXXX and, he told me that the account was paid and, that they report to the credit companys at the end of the month, and it would say paid. I am being charged interst on a car I only had for nine months. They basicly got almost the full contract as, if I had the car for the full 65 month term. This is wrong. This account should not be charged off as, they where getting payments from the insurance companys that I paid for those inruances to cover things like this. It should count as, payments that I made. the car was a XXXX car that I had for only nine months but yet Bridecrest got basicly XXXX and is still trying to claim I owe XXXX they reported it to my credit reports all three. so in fact they are trying to get the full interest for the full 65 months, and the prinpicle balance, when I should only be charged interest for the time I had the car which was only nine months, its a simple interest contract, and you got payments in XXXX XXXX XXXX XXXX I should have only been 30 days late for XXXX. I also want to add that even after I signed the car over I still made payments to the lien holder. I was in XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX I told Bridgecrest this, but they did not care.
02/10/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 151XX	Web
CFPB, I am at the end of a 5 year XXXX XXXX. Payments have religiously been made by the trustee. Bridgecrest had applied multiple late fees even though I am 2 months ahead on payments. I paid the 1st 2 months of payments as it takes time for the trustee to adjust to the new lender. The trustee made the same 2 payments 90 days later and every payment since. There is also a balance showing for interest in the amount of {$130.00}. How is this possible if all payments have been made? The most recent trustee payment that should have posted on XX/XX/XXXX is missing. That payment should have been for {$320.00}. Bridgecrest did see the payment was received from the trustee. I am not sure why payments for the trustee are being changed around? Last month, the XX/XX/XXXX payment was changed 4 times. Management gives vague answers that dont make sense. We will look in to this. It never happens. The late fees are still on there from the last complaint I filed after they damaged my credit report. I, again, was 2 months ahead when the late marks were posted to my credit report. There customer service and accounting practices are pathetic. These types of issues are commonplace with Bridgecrest, but they are allowed to operate like this. It is time you take a look their business practices. XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied
04/15/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 20743	Web
account # XXXX It's been well over 60 days with no lawful validation of the alleged debt and no lawful response to the PRIVATE CONSUMER DEMAND AFFIDAVIT LETTER ... meaning you tacitly agree to the demands and invoices send via certified mail # XXXX and # XXXX, as well as no thorough response to the consumer complaint # XXXX on all points within the affidavits i sent, thus putting you in default and now the CFPB will aid me in collecting damages. Any further unsigned, un-notarized, false and deceptive letters you sent will incur a fine of minimum {$1000.00} per page for violating multiple Federal laws. Also, responding to my previous affidavits point for point via notarized affidavits of truth would be beautiful. By the way, please feel free to take me to court because I am sure the judge also would love to see your proof in accordance to FDCPA and TILA. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine. I noticed all your fraudulent statements that have Document identification numbers had an all caps name on them ... That is not my name, as my name is written in an upper-and-lower-case grammar style. Please answer, Why are you referring to me in all capital letters? See Exhibit C and D. 15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. respond to all attached documents and affidavits
11/04/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 374XX	Web
I purchase a vehicle from XXXX ( aka BridgeCrest ) in XXXX, and have had nothing but trouble form them every sense. They charged me with late fees when its not my time of schedule payment, always calling 5-6 times at all hours of the day harassing the XXXX out of me, and also not reporting to all XXXX of the credit agencies when payments are made on time. I had a company look into my credit system and found were they are lying and not been truthful of the matter that I am paying my car note. Moreover, I have keep all of my receipts and even looked back on payments made ; and they are not giving me credit due. When I looked at my statements online, I noticed dates that I paid are not been included and they again overcharged on late payment fees when it was n't even my schedule payment time. This is the WORST CAR DEALSHIP EVER! Their moto is a lie when, it speaks of helping those with not so good of credit. I have asked repeatedly on numerous occasion to have my payments modify and still I always get excuses and no one is willing to help lower my payments. I have been advised to look into XXXX XXXX who can have them stopping calling me everyday, give me credit were credit is due, stop charging late fees when its not my time to pay my schedule payments and to report to credit agencies when I am making my payments each month. Plenty of people that I have spoke to say how awful they are, calling with the harassment many times in one day. I made my last payment on XXXX/XXXX/16, Saturday and they called me the next day, and the next day, and the next day. That was unacceptable, and no reason to have called my phone that many times, when I had paid. My schedule payments is every two weeks and if I miss a week, I 'll pay the week after, which is still technically every other week. If I could find a way to get out of this loan, I would. They are overcharging me, cause my balance I know should be down and with them they keep adding it up. NOT COOL AT ALL! I am dissatisfied with BridgeCrest formerly known as XXXX. I will be taking other measures from referral resources to have them stop frustrating, stressing me out, cause it 's ridiculous how annoying this company is. STOP HARASSING ME WHEN I MAKE MY PAYMENTS EVERY OTHER WEEK!!!
01/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80013	Web
The following accounts are being reported by the following bureaus XXXX & XXXX! XXXX XXXX XXXX invalid account never verified BRIDGECREST XXXX invalid account never verified XXXX XXXX invalid account never verified for the record They are invalid and have never been verified for the record nor the record have they shown me any legal tangible instrument via mail or email. I have requested this several times, I have been violated with the damages both BRIDGECREST, XXXX XXXX, & XXXX are legally liable for the following illegal behavior and actions : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy. 5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal. 7 ) violation of 15 U.S.C. 1692g Validation of debts The following accounts below are in error because of identity theft ( please refer to the attached FTC Identity theft report within the mailing packet ) According to 15 U.S.C. 16811c 2 - Block of information resulting from identity theft a police report isnt required and isnt needed at all. I also do not know the name of the person or how this identity theft occurred sadly, and this is also not a requirement to submit documentation. XXXX XXXX, BRIDGECREST, and XXXX are now in violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal. This information has never been verified for the record via mail or email and once never as a legal tangible instrument. CAN THE FOLLOWING COMPANIES EXPLAIN TO ME WHY MY RIGHTS KEEP BEING VIOLATED? ALL INFORMATION SUCH AS FTC ID THEFT AND OTHER SUPPORTING DOCUMENTS etc. HAS BEEN ATTACHED TO SEVERAL PAST COMPLAINTS.
07/08/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 95758	Web	Servicemember
One year after purchasing a XXXX XXXX XXXX from Bridgecrest Financial Inc. XX/XX/XXXX the issues began and never stopped. Three transmissions and two motor failures occurred from XX/XX/XXXX untill the last incident in XX/XX/XXXX which is currently an open claim on my insurance policy. I started experiencing financial hardship after the first issue and explained this to them and was accommodated by pushing one payment to the back of the loan. This didn't help much when the issues continued on a monthly basis. Then the Pandemic hit us like a train. I had to call Bridgecrest again and ask for help. They in turn told me that they had help because of the pandemic we can skip that months payment and all future payments will be applied to the principal of the loan, every single XXXX of the payments will be interest free. This was great news to my Wife and I. It was such good news that it made my Wife break out into tears of joy. We agreed to the new terms as quickly as we could before they changed their minds. We DocuSigned everything and went about our sheltering in place. A couple months later and a couple months payments later I received a few new alerts on my credit reporting agencies. I then went to see what was going on with the alerts on their websites and the apps I have just for this sort of thing. I find out that Bridgecrest Financial Inc has submitted a new derogatory report for non payment they have CHARGED OFF the loan as a bad debit/loan I was shocked and stunned that they did this to us when we thought they were helping us they in fact have ruined us financially. This and all the hardships from the time I bought this truck has prevented me from getting a home loan of any kind and will continue to for a very long time. My fico score has dropped beyond belief. This help program they called it I believe only helped them Bridgecrest was able to write my loan off as a bad debit and received special funding for catching off my loan and in turn gave me even more financial hardship for years to come. To me this if unfair lending practice and unfair credit reporting at it's worst. I'm at a loss for words because of the greed of Bridgecrest and it's sister companies XXXX XXXX, and XXXX XXXX are beyond imaginable.
03/19/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TN 37129	Web	Servicemember
Facts are I was sold a " CLONE '' XXXX XXXX XXXX XXXX online 3-D website purchase is how your buy their cars. I purchased the vehicle on XX/XX/XXXX and it was delivered on XX/XX/XXXX byXXXXflatbed truck. I was informed on delivery I would receive my contract, license plates, and decal stickers delivered via mail. I never received any paperwork for the purchased vehicleXXXXthe dealership sold me a cloned vehicle and the subsidiary company BRIDGECREST sent letter informing they were deleting it from their records and all 3 credit bureaus to delete the account. Needless to say, BRIDGECREST continues to send fraudulent presentments in the form of pay coupons to send them money I do not owe. Also, I had to file state attorney general consumer complaints on fraud contract and vehicle purchase I had for 10 months. I received a call from Georgia DMV Fraud Agent informing me I purchased a vehicle on their State thats not registered. The companyXXXXcreated two fraud contracts as if I purchased the vehicle from state of Georgia when o purchased vehicle online from the state of Indiana. Fact is FBI has to get involved for fraud and other agencies for Odometor Fraud concerning Vehicle I purchased on XX/XX/XXXX. The results are the vehicle is under investigation with Missouri Highway Patrol Fraud Agent, U.S. Department of Transportation Odometor Fraud Agent, and Georgia DMV Fraud agent. I have not heard anything since the vehicle was unlawful reposssed on XX/XX/XXXX. I received a call by FBI XXXX XXXX Agent XXXX informing me where to go to pick up my personal property. I have received fraudulent mail that is in violation of FDCPA 1692 ( e ) concerning my consumer rights being harassed about a cloned vehicle thats confirmed I purchased a vehicle that do not belong to me under fraudulent sales contract created byXXXXcompany and BRIDGECREST. I have sent certified mail with tracking number. Phone calls made on XX/XX/XXXX, to XXXX XXXX requesting all RECORDS be sent certified within ( 5 ) business days pertaining to the ( 2 ) Security Retail Agreements created by XXXX XXXX Underwriter without written express consent. They used a fraud SSN to create the vehicle sales contract that does NOT belong to me.
07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63052	Web
I sold my XXXX XXXX XXXX to XXXX on XX/XX/XXXX, and they informed me that the check for the balance in full was received by Bridgecrest on XX/XX/XXXX. On XX/XX/XXXX, my car payment showed past due ( within 30 days ), so I called Bridgecrest for guidance on why the payoff had not yet been processed, and asked if I needed to make another payment. I was informed that the date on the check would be honored, but that if the payoff was not received by XX/XX/XXXX, that it would be reported as late, so I should make a regular payment prior to then to ensure no late payment would be reported to the credit bureau. I asked if the payoff would still be honored, and if I would get a refund for the additional payment, and the agent did not know, but said if there was an overpayment I would receive a refund. On XX/XX/XXXX, the payment was entered into the system as pending. On XX/XX/XXXX, the payment was processed and I received an email confirming that my account was paid in full, and that because of my impeccable payment history, they would love to finance another vehicle for me. Also on XX/XX/XXXX, I received another email stating my account was past due {$0.00} and that if I did not make a payment for {$0.00} by XX/XX/XXXX, a 30 day late would be reported to the credit bureaus. I called and spoke to an agent who informed me that the email was automated, and that if my account was paid in full, that it was sent in error. On XX/XX/XXXX, I received a refund from Bridgecrest in the amount of {$43.00} for the overpayment on my payoff, dated XX/XX/XXXX. On XX/XX/XXXX, I received an alert from XXXX that Bridgecrest reported my account had been closed in a bad standing with a 30 day late. I called Bridgecrest to fix it, and they refused, saying that it was my fault and that I was properly informed that it was 31 days late when they posted the payoff. I was never informed that I needed to pay it prior to XX/XX/XXXX, as will show in the phone calls. I was only ever informed of XX/XX/XXXX, and was told that the payoff from XXXX would settle this if it was posted to my account prior to XX/XX/XXXX. I spoke with two different people in Escalated Customer Relations, and was told they would be doing nothing.
08/08/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 92503	Web
On XXXX XXXX, 2019 the car in question ( XXXX XXXX ) was reposed from a location in XXXX, Ca, by way of a tracking device ( installed in the car ). This location is not on file with car finance company ( Bridgecrest ). Representatives at Bridgecrest advised that the towing company took the car to a tow yard in XXXX, Ca. The balance to reinstate the loan on XXXX XXXX, 2019 was {$1700.00}. The loan was reinstated on XXXX XXXX, 2019 at XXXX ( XXXX ) in the amount of {$2000.00}. On XX/XX/, 2019 Bridgcrest representatives ( about 7 Reps ) advised the car would be delivered to Nevada for auction and owner would have to go to Nevada to retrieve the vehicle. A flight was taken from XXXX to XXXX XXXX, NV on XXXX XXXX, 2019. On XXXX XXXX, 2019 at XXXX XXXX the auction company that is scheduled to receive the vehicle advises the vehicle has not made it and to call back in a few hours. On XXXX XXXX, 2019 at approximately XXXX XXXX XXXX auction company advises vehicle is still not there. At approximately XXXX XXXX Bridgecrest representatives advise the vehicle is still in California . Manager XXXX at Bridgecrest states that she will place an order to have vehicle sent to dealership owners choice and vehicle will be ready for pick up on XXXX XXXX, 2019. XXXX agrees to send car to : XXXX XXXX XXXX, XXXX ca, XXXX. In addition XXXX provides email address and fax number to arrange for reimbursement of flight and hotel expenses due to inconvenience and misinformation of Bridgecrest. On XXXX XXXX, 2019 at approximately XXXX XXXX XXXX, Bridgecrest informs that they are unable to locate car and can not provide a time for car retrieval. XXXX Manager at Bridgecrest advises they aren't able to reach their Transportation Company and is unaware of the location of all of Bridgecrest 's fleet of cars including the XXXX XXXX that has been paid and reinstated. As of XXXX XXXX, 2019 3 business days since the car has been reinstated, the car has not been retrieved nor has the location of the vehicle been provided due to the negligence and uncooperation of Bridgecrest Financial. Attached you will find receipts for the flights, hotel and parking services as well as statements for taxi rides while in XXXX XXXX.
09/24/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30016	Web
I hope this message finds you well. My name is XXXX, and I am writing to express my deep concerns regarding my current loan with Bridgecrest, a third-party vendor of XXXX. Approximately three years ago, I entered into a loan agreement with Bridgecrest for a vehicle. Unfortunately, my experience with the vehicle has been extremely unsatisfactory. Just two days after taking ownership of the car, it stalled unexpectedly. As per Bridgecrest 's recommendation, I promptly had the vehicle inspected and repaired by their designated mechanic. Regrettably, I was not provided with a detailed invoice specifying the repairs undertaken, as Bridgecrest covered the expenses under their warranty. Despite my ongoing efforts to maintain the vehicle, including several self-financed servicing attempts costing me thousands of dollars, I have continued to face recurring issues with the car, specifically, it stalling out unexpectedly. I have reached out to Bridgecrest on multiple occasions to report the recurring issues and explore potential solutions, such as obtaining a replacement vehicle that is in working condition. However, I have been informed that there is no available recourse to address the persisting problems with the car. Furthermore, my financial burden is exacerbated by the fact that I still owe approximately {$12000.00} on a vehicle that, according to current market assessments, is valued at only {$3000.00}. This stark disparity between the remaining loan balance and the vehicle 's depreciated value is a significant concern. Given this challenging situation, I have considered the option of a voluntary repossession. However, I have learned that this action would result in the retention of my {$12000.00} debt, along with a detrimental impact of XXXX points on my credit score. I am writing with the hope of seeking a fair resolution to this predicament. I kindly request that Bridgecrest reevaluate my case and explore potential solutions that can alleviate the financial and operational burdens I currently face with the vehicle in question. Your assistance and prompt attention to this matter would be greatly appreciated. Thank you for your time and consideration. Sincerely, XXXX
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 782XX	Web
Under the Fair Credit Reporting Act ( 15 USC 1681 ), it is essential to ensure that consumer reporting agencies act with fairness, impartiality, and respect for consumers ' privacy. XXXX and XXXX are such agencies, and as a consumer, you have the right to safeguard your private information, as reinforced by 15 USC 6801, which emphasizes the Congress 's policy for financial institutions to protect customer privacy and data security. Moreover, any financial institution, including " Furnisher of information to credit agencies, '' falls under this definition. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish your consumer report if you provide written instructions to do so. XXXX, XXXX, and the financial institution ( Furnisher of information to credit agencies ) do not possess your consent or written authorization to share this information. In addition, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing consumers of their right to prevent such disclosure. However, ( Furnisher of information to credit agencies ) did not inform you of this right. Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in your report without authorization, except for certain criminal convictions older than seven years. The account they are reporting without your permission violates this law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that no one should provide inaccurate information to consumer reporting agencies knowingly or with reasonable cause to believe it's inaccurate. XXXX and XXXX might be in violation here. Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies must maintain procedures to avoid violations of section 1681c and limit the distribution of consumer reports to authorized purposes, as specified in section 1681b. XXXX and XXXX 's procedures may not be in compliance. Finally, 12 CFR 1016.7 states that consumers have the right to opt out of reporting services at any time. Therefore, you are choosing to opt out of their reporting services.
02/12/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA XXXXX	Web
I was a customer with BridgeCrest from XX/XX/XXXX - XX/XX/XXXX. I had an auto loan with them. I was reported late twice on all 3 of my credit reports by BridgeCrest and this is inaccurate. In XX/XX/XXXX I refinanced the loan. The new loan company sent Bridgecrest a certified check for the payoff prior to my next payment being due. Bridgecrest has a policy of a minimum 10 day hold for document verification. Bridgecrest held the check until XX/XX/XXXX and gave me a 30 day late on my credit report. Please look at my XXXX report they gave me a OK for XX/XX/XXXX. NR ( Not Rated ) for XX/XX/XXXX and a 30 day late for XX/XX/XXXX. I asked them several times to adjust my 3 bureaus and they refuse. On my XXXX Bureau they marked me 60 days late XX/XX/XXXX. I was current in XX/XX/XXXX and current on XX/XX/XXXX. Therefore I could not be 60 days past due. I pointed out this error and they refused to adjust it. Please review the attachment XXXX XXXX XXXX Page 1 & 2. This is the company that refinanced the Bridgecrest loan. As you can see the account was opened in XX/XX/XXXX along with a payment reported for XXXX. The same month Bridgecrest is reporting me late for on XXXX. On XX/XX/XXXX I was involved in a fatal accident and lost a loved one. I was medically incapacitated. I asked Bridgecrest for mercy and to waive the 30 day late and they refused. However, I have read comments of customers on this site stating Bridgecrest agreed to adjust their late marks on their credit reports due to COVID-19. Why am I being discriminated against because my medical issue was not COVID-19 related? I had an unforeseen occurrence due to no fault of mine and Bridgecrest refused to offer any assistance. Public relations has nothing to do with decency. Had someone been rejected because of COVID-19. The court of public opinion would render a verdict. However we both suffered difficulty and mercy was needed. I was denied. I did file a XXXX complaint on Bridgecrest. I was very disheartened to see the representative from Bridgecrest being misinformed stating that for the life of loan I was 17 times 30 days past due on my payments. This is 100 % not true as shown by my 3 credit reports I uploaded.
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	NV 89044	Web
Regarding a prior open complaint, I was contacted by someone named XXXX with Bridgecrest that states she works in the compliance department. She stated she reviewed all the calls I had regarding the extension request submitted that they denied without cause. They stated you need income to get the extension, which i have income, yet it was still denied. XXXX also lied to me several times. I called Bridgecrest several times over the course of the last 7 days and while my application for the loan extension was pending, I called in XX/XX/30 and spoke to a rep inquiring about the deadline to make a payment by XX/XX/XXXX or Bridgecrest would report to my bureaus that I was XXXX late. I had the money to make a payment that day but it wouldn't make sense to do that as once the extension was approved, I would be current. I asked the rep ( of course do not have her name ) about my credit reporting and that if I had to wait until monday, it would be after XX/XX/XXXX and they would mark me late. She stated verbatim " Oh you do not have to worry about that happening, you aren't even in a spot where that would happen. '' This rep ASSURED me on the call that regardless of whether my extension application was approved or denied, that Bridgecrest would NOT report me 30 days late. I accepted that and ended the call. XXXX lied to me several times on what i hope was a recorded call as well. Stating the rep never said it wouldn't be reported as late, which the rep did say. XXXX is lying to protect the company and I am BEGGING the CFPB to step in and get the call recordings along with the false information XXXX furnished to me and do something about this. XXXX Reviews can tell the CFPB all they need to know about the shifty business dealings of Bridgecrest and how they deceive consumers on a daily basis. XXXX stated on the call with me that Bridgecrest has ALREADY reported me late on my credit bureaus. I have no update while I have 3+ daily credit monitoring services. Meaning they may be intending to, but she stated they already did. Which of course is yet another lie furnished. This behavior is what led to the passage of the Dodd-Frank Act and what created the CFPB to begin with.
09/17/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NJ 080XX	Web
I was told originally by my local XXXX to mail in paperwork related to my car 's title to get my plates updated for my vehicle as I moved states. I mailed in the paperwork back in XX/XX/XXXX to Bridgecrest, which they claimed for weeks they did not receive, but kept advising me to " keep calling in to check. '' They then recommended I email in the document since that was " much faster, '' with a total processing time of eight ( 8 ) weeks. I emailed my documentation on XX/XX/XXXX and still have not been able to get updated plates for my vehicle. I called into the company 10+ times to get this resolved, trying to understand the issue. Every few phone calls I received a different answer, either from the customer service representative or the " XXXX account resolution team, '' telling me the paperwork was still getting processed by the XXXX XXXX ( who did not take phone calls, so could only be reach by IM or message by various other teams reportedly ) or that someone created the wrong case which was routed incorrectly. Each time, Bridgecrest kept telling me that I had to keep calling in for updates, now way past the eight ( 8 ) week processing time and still without my updated plates. The last update I received was XX/XX/XXXX, as the title received was printed but incorrectly routed, therefore it was taking more time. I asked the representative if they had an estimated time frame for the resolution which they claimed they messaged the mysterious Title Team but after our call, once they receive a response, they would update my account for me so the next time I called in, there would be an XXXX listed. Again, I was told to keep calling back for updates and when I called XX/XX/XXXX, there were no updates and no XXXX listed on the account. on XX/XX/XXXX, they emailed me a sparsely worded letter to potentially bring to the XXXX, where they state they have " requested the XXXX title from their XXXX XXXX and should receive it in XXXX weeks. Once they receive the paper title, they will overnight to the address provided by the customer. '' It has been well over a month since then, still no update and how/why this took since the beginning of XX/XX/XXXX to complete is absurd.
05/03/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 76006	Web
I visited a XXXX dealership to finance a car. XXXX allows you to view your payments prior to final purchase. I asked my dealer several times if the price they showed me on the screen would be monthly and several times I was assured my payments would be monthly. During my welcome call I agreed to pay extra on my autopay to boost my credit and to pay the loan off faster. After making my first payment, 2 weeks later I noticed I was being charged again. I called Bridgecrest to resolve the issue and they informed me that I was set up for bi weekly payments. I told them this was a mistake and they would not budge, informing me I would have to wait 6 months to adjust my pay frequency. I asked the dealer several times about my monthly payments. MULTIPLE dealers, because I had to leave the one I went to in XXXX since they didn't have the vehicle advertised as being available, forcing me to go to another XXXX for the vehicle I ended up with. I asked the agent on the line when signing my documents if these would be monthly payments. I have reported them to the XXXX previously for this, and they refused to rectify the situation. Over 6 months have passed and I have tried to readjust my pay frequency. 6 months of barely surviving payments I never expected to keep up with every 2 weeks nor agreed to. 6 months of missing only 4 payments and being charged daily interest, so much so that I've paid back triple the missed amount and only touched the interest. In order to not have vehicle repossessed, I have paid even more every 2 weeks. What started out as a promise of $ 192* a month, became $ 244* every 2 weeks, which became $ 303* every 2 weeks. I paid off missed payments to finally readjust my payments ( which was denied ) and was told that payments are based on how often I get paid, and I would've had to pay biweekly for 6 months regardless. I've called MULTIPLE times and this was never explained. Are you telling me monthly was NEVER on the table due to my biweekly pay? This whole time I thought they were just refusing to rectify a mistake they made, but no. No, they first out lied to get me to sign up for something they knew I wouldn't be able to handle. This is predatory!
06/04/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PA 170XX	Web
I took out a loan to purchase a 2015 XXXX XXXX through XXXX, not knowing that the loan company would actually be Bridgecrest ( previously XXXX ). My first payment was due XX/XX/19. I made that payment in XXXX. Then I paid my XXXX payment on the XX/XX/19 due date. Between paying that and my XXXX due date I had issues with my bank account. Someone stole over {$3000.00} from my account. My account was temporarily frozen until the issue was resolved. Leaving me with no ability to pay XXXX. My wife, who is an authorized speaker on my account, called in to speak with Bridgecrest about any options available to us. We had none. They suggested we borrow money from our parents ( who are deceased ) or that we pay our rent late to cover the car payment. When my wife told them neither were viable solutions they told her to just put her bank information in so they can try to debit the account, even though it is frozen, and that even if it doesn't go through, it'll still so the attempts. So my wife did this. All she gained from it was tons of racked up NSF fees added to our loan. This goes on for XXXX and into XXXX. We finally were going to have a paycheck free to catch up on our loan on XX/XX/XXXX. My wife calls in and makes the arrangement. They tell her that the vehicle is up for reposession on XX/XX/XXXX. Well early in the morning on XX/XX/XXXX, our area had bad storms/tornados and the roof was torn partially off of our house. Forcing us to use the money we had to stay in a hotel. My wife calls bridgecrest last night to try again to enter into a modification or payment arrangement to get us through until we get the insurance check. She was upset and crying on the phone over the situation. Her and our daughter are in a hotel and I'm actually in the hospital for another few days. The representative LAUGHED at my wife as she told her that Bridgecrest wouldn't help, wouldn't do a plan, no modification. Basically pay or lose the car. I have heard horror stories about this company but did not realize they were this screwed up. When we log in to the website it tells us to call and ask about a modification! But then we call and get laughed at. This is completely unacceptable.
07/06/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH XXXXX	Web
On XXXX XXXX, 2017 I made an online payment of XXXX for my car loan for Bridgecrest ( formerly XXXX ). When that payment posted to my bank account on XX/XX/XXXX Bridgecrest had taken those funds twice. I then called my bank and they reversed one of those payments due to Bridgecrests error. On XX/XX/XXXX, I checked my Bridgecrest account and noticed that they had reversed my payment on their end and charged an NSF fee. I then called Bridgecrest where they continually told me that the payment was stopped. I explained that the payment was reversed by my bank due to them pulling it twice. They said the only thing I could do was send a bank statement as proof the payment came out twice and was reversed once. I asked if there was another means of providing proof since my bank statement wouldnt generate for 2-3 more weeks. They then said that it must be my bank because other banks will provide it and I could only resolve it with a bank statement. Once I received my bank statement on XX/XX/XXXX, I emailed it to them. After a week of no notifications, I called and verified that the statement was in fact received. The manager said that it would be sent over to the treasury department to be fixed and she saw that there were 2 payments made and one reversal. She also assured me that the collection calls would stop while they fixed it and it should only take 48-72 hours for the error to be resolved. Today, XX/XX/XXXX, I had to call them because I have continued to get collection calls and the issue still hasnt been resolved. When I called the manager told me that after research they never received the payment and it wouldnt be fixed. I then spoke with XXXX who was extremely rude and after not taking no for an answer she asked that I emailed her my statement again for research. I asked how long before she got back to me and she couldnt answer my question. Bridgecrest is essentially stealing my money and do not want to fix an error that was made by them. I am having to call and email information over and over with no resolution. Also, during this time I have only received automated collection calls. No calls from a live person or a letter to inform me of what is going on.
11/28/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TX 75067	Web
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.
10/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	VA XXXXX	Web
Complaint XXXX XXXX XXXX and Bridgecrest are making false claims, they 're giving false information. First of all, in the past 16 months, I have called and spoke with XXXX directly and they have never mentioned to me anything about my account having a fraud dispute and is being blocked, never not one, that 's false information given by XXXX XXXX and Bridgecrest, I just received a copy of my credit report from XXXX a XXXX 2017. " XXXX XXXX and other phone representatives of Bridgecrest admitted over our phone conversation that that they never called XXXX because there 's a block on my XXXX account, that 's the primary reason they ca n't report my financial data history. Well answer this question, if Bridgecrest never reported my information to XXXX because of a blocked file do to a fraud dispute, how did Bridgecrest get on my XXXX credit report, not only that, why would the XXXX phone representative mention to me that Bridgecrest just called this month ( XXXX XXXX to update my file. I spell a rat. Second, XXXX and XXXX never advise me to need to contact the credit bureaus directly and request to speak with a member of their management to resolve the split credit file, if that was true, the times that called XXXX and XXXX in last 16 months, they would have mentioned to me about a split credit file. I have gotten two credit reports from both XXXX and XXXX, disputed inaccurate information on my credit report with XXXX with CFPB XXXX Consumer Financial Protection Bureau XXXX " check your computer system, it 's there '' they have never told me anything about a split credit file. Do n't you think the times that I called XXXX and XXXX that a phone representative would have recognized that I had a split credit file and put a manager on the phone to fix the problem by now. Think about it? One of the phone representative from XXXX told me over the phone that she do n't know what a spit is and that she never heard of such a thing. XXXX XXXX XXXX has been in a irrevocable trust " XXXX XXXX XXXX, TIN # XXXX '', a pure common law trust, a unincorporated business trust since XXXX XXXX, XXXX, the day XXXX entered into there Interest Retail Installment contract.
07/20/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75010	Web
In XXXX the car I purchased from this company 1 year ago began having mechanical problems. I took it to a repair shop and attempted to use the extended warranty to cover the repairs. The warranty company denied coverage so I was now liable for almost $ XXXX of repairs. About two weeks before my XXXX payment was due I reached out to Bridgecrest to ask that XXXX payment be moved to the end of my loan due to the exorbitant amount the repairs were costing me. I also had to push back several other bills to try and get this paid. Bridgecrest initially told me to borrow the money from a family member. After requesting a Sup I was told I would HAVE to wait until the payment was late before I could request this. So XX/XX/XXXX, 1 day after due date, I called in to submit the request. Two days later I called to check the status of said request and was told it was denied. No reason given as to why but the rep proceeded to tell me once again to borrow it from my spouse or a family member. If it was that easy I would have and Im not married so to assume and/or say this type of stuff is problematic at best. Once again I spoke to a sup who then had me resubmit the request. Today I called to check the status and once again told it was denied. This time the rep told me they would never approve that request especially since Im not 20-30 days delinquent. Then she offered a payment plan for me to pay almost {$200.00} additional per month for the rest of the year to catch up that payment. Ive already advised them that paying extra to catch it up is not feasible due to the significant amount I had to pay to even get it fixed. Bridgecrest is not only unwilling to approve this simple request so that I can continue my on time payment history with them with the upcoming XXXX payment but they are basically forcing me to be late and rack up late fees as well as negative marks on my credit report. Thats not right when Im already trying to get back on track after my divorce and bankruptcy. I pay this high interest car note because of that. Im trying to make sure my payment history stays good so I can continue to rebuild my credit after bankruptcy not have it messed up again.
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30071	Web
I purchased a vehicle through XXXXXXXX XXXX, the vehicle lights came on a hour after purchasing, upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very XXXX and was and still am in the XXXX.My sister reached out to Corporate and XXXX and was ignored.The date had been extended to XXXX XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX the ceo, the vp and several other executives..XXXX XXXX is owned by XXXX and I reached out to them also, the ceo at Bridgecrest ( financial ) and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that Bridgecrest, XXXX XXXX XXXXXXXX XXXX have committed..
03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80013	Web
XXXX and Bridgecrest several times keep violating my consumer rights I never received goods or services from this company. I have told both Bridgecrest and XXXX several times that this has to do with identity theft. They have lied several times telling me they have never received my driver 's license or any of my supporting documents. Attached are my driver 's license, social security number, FTC Identity theft report, and as well as police report. This is considered willful noncompliance, discrimination, and false information because, both Bridgecrest and XXXX state that they have never received documentation from XXXX, XXXX Please refer to the attached documents and remove the following account from the credit report because this account can not be validated. The reason it can not be validated is that it was a result of identity theft my information was stolen and not used for the benefit of the owner. So, how can this information be valid if, it was stolen and misused for illegal purposes? Also, this account was opened in another state XXXX, FL and I do not have a record of living in this state my driver 's license is from Colorado, not FL ..... This is proof that both company 's credit bureau and the financial institution received all documents as requested. They are both required by law and respect my consumer rights these are the damages below that both companies are doing are stated such as : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy. 5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again an affidavit identity report isnt needed in the process for identity theft block and removal. 7 ) violation of 15 U.S.C. 1692g Validation of debts
09/06/2016	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	MI 494XX	Web
In XX/XX/XXXX I was in a position where I decided it was a good time and I was stable enough to take out a car on payments. It is my first time making payments on a car. However, I became XXXX and due to some unforeseen circumstances I moved to another state. Homeless and jobless. I found a job about a month after moving to Michigan and quickly realized it was not what the job description had stated it to be. I was getting less then 20 hours during 2 weeks. I was struggling to keep myself above the water financially. XXXX I was fired. The amount I was paying to the leasing company and car insurance did not leave me any remainder to look for a place to live and I have a baby coming shortly. It is not easy looking for a job at 6 months pregnant. However, I quickly after being fired found another job at XXXX. I am currently employed and working around 25-35 hours a week. Still the amount I take home is not enough to pay for the basic living expenses and save for a baby and a car note and full coverage insurance. I am stuck in a bind. I have called the company several times asking for a temporary suspension or if I can return the car and pay the early contract fee or lower my payments for a while or continue without full coverage insurance. On their website it is posted that in their lease program you are not required to have full coverage insurance but I am required. Also when I leased the car the agent told me I had a return any time lease with no expenses. I was also told when I called in that I had the return any time lease. When I called to turn in my car all of a sudden that changed and I no longer have that option. In my copy of my contract it tells me I can return my car any time with no penalties. However, everyone keeps telling me that I have no options, managers and regular employees. If I miss my payment over 30 days they will come and take the car or if I return the car I am still responsible for the remaining balance on the lease. I am trying to pull myself out of a rut and I am trying to do it the right way but I do not make enough money. I do not know what to do. I can not afford a lawyer to help me. I am on my own.
06/02/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92071	Web
I received a letter from Bridgecrest Credit Company Dated XX/XX/2022 Stating " We have reviewed your account and have verified that you still owe the amount due under the contract. '' As you can see in exhibit A I uploaded, they violated me per 15 U.S. Code 1692d - Harassment or abuse : ( A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ) : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. They then state " we have determined that you are still in possession of our vehicle. '' As you can see in exhibit B I uploaded, they are violating me per 15 U.S. Code 1692e - False or misleading representations ( A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ) : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The ( apparent ) lien holder ( according to the DMV and my car registration ) is XXXX XXXX, yet Bridgecrest Credit Company is falsely claiming to be the lien holder & claiming that my car is " their vehicle. '' If you notice in Exhibit A they also say " our vehicle, '' and then say " your vehicle. '' This is a clear attempt at threatening and intimidating me via malicious heresay- without PROOF OF CLAIM to back their allegations. I am demanding that BRIDGECREST stop contacting me, never threaten me again- and cease all alleged claims against me- unless they want a Default Judgement filed against them in Federal District Court . I will additionally be forwarding this matter to the Attorney General of CA and the XXXX so they can investigate BRIDGECREST 'S fraudulent business practices against Federally Protected Consumers.
01/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NJ 082XX	Web
On XXXX XXXX I was approved for a loan and received a used vehicle from XXXX. That day I was asked to sign a XXXX XXXX of Attorney and few forms for the delivery agent for registration and other processes needed to be completed by XXXX before she could leave the automobile, which I politely accepted. I signed the forms and the agent accepted the forms and left the property. On XX/XX/2022 I received an email from XXXX XXXX ( Title and Registration Specialist 1 ) [ emails attached ] informing me that they really wish to proceed with registration, which was confusing because I had already signed it. She then instructed me to sign my signature a certain way to satisfy her. XXXX XXXX told me to : -Sign my name how I signed it on my drivers license. [ proof of drivers license signature attached ] -Get Both Documents Notarized. [ proof attached ] -Send both original documents with wet signatures on them ( not copies ) I was unaware that XXXX XXXX XXXX XXXX or any person could tell me how to sign my name. When I signed I made a full reservation of rights. AS PER UCC 1 - 308 [ Documented proof attached of events to follow ] On XXXX XXXX I sent a NOTICE OF DISPUTE and affidavit for verification and validation of the debt. A letter dated XXXX XXXX which purported their inability to verify and validate the debt owed. [ proof of mailing attached ] Again on XXXX XXXX I made another attempt and sent BRIDGECREST another NOTICE OF DISPUTE, which again, BRIDGECREST ignored and did not respond and did not verify or validate the debt. [ proof of mailing attached ] On XX/XX/2022 I sent a DEBT VALIDATION LETTER. [ proof of mailing attached ] I received a response via XXXX, which in the re : correspondence received on XXXX XXXX was infact incorrect and a response that BRIDGECREST WOULD remove me from a DO NOT CALL LIST and not a verification and validation of debt. [ response attached ] On XX/XX/2022 I sent a NOTICE OF NONCOMPLIANCE and again gave BRIDGECREST another opportunity to verify and validate the debt. [ proof of maling attached ] On XX/XX/2022 I received a letter from BRIDGECREST stating they were unable to process the request.
06/28/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MA 02124	Web
My car was repossessed by bridgecrest who is XXXX finance company. I put {$1500.00} on a {$21000.00} loan in XXXX on a XXXX XXXX XXXX XXXX XXXX XXXX ( vin # : XXXX XXXX ) I made my first few payments before I was attacked at random walking home XXXX XXXX. While recovering after being in XXXX XXXX for 1 month & 2 month spent in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was able to leave & made a {$3500.00} payment to bring my account out of the red. Apon leaving the hospital I was left XXXX n suffering while trying to recover the pieces of my life ( no job, no help ) I brought this to bridgecrests attention & they informed me that there isnt anything they could do, that they would be coming to take the car ( repossession ) & there was nothing I could do. Months latter they repossessed the car & I had to beg a firmed of mine to allow me to borrow mo eg to pay to revive the car ( with all my belongings in it ) a mother couple months went by after, trying to ask for more time to pay my loan because I needed my car to get to & from appointments ( safety, food shopping, everyday things ) they can & repossessed it against & this time it would be the last time. I had to revive my things about 2 hours away from my home from a tow lot, ( had to pay someone to bring me there n back ) my car was then brought to auction & sold on XX/XX/XXXX for {$7200.00} information found on XXXX the XXXX XXXX posted images of my vehicle in the same location where I picked up my belongings. The different should be reflected on my credit report & its not accurate it says I still owe {$18000.00} & this has been affecting my score badly. I havent made a payment since my car was taken from me the information on my credit report states I made a payment XXXX XXXX? But the car was sold at caution on XX/XX/XXXX? In Massachusetts you have 22 days to derive your vehicle before a lender can put said vehicle in action. I wasnt giving time to complete my loan with my situation being so life changing Im now left broke carless & now my credit score is to low to get approved for anything. Please help I have attached photos to help my situation.
10/19/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	VA 23112	Web
I am a customer and does business with Bridgecrest as my credit report shows. I have viewed my credit report and noticed a few errors and FCRA violations with Bridgecrest reporting. I have personally attempted to fix this matter verbally with Bridgecrest and i also tried to fix this matter via the consumer reporting agencies ( XXXX, and XXXX ) in which from the consumer reporting agencies they assured me that it was validated and correct and XXXX percent accurate which in fact it is not. Bridgecrest is showing late payments on credit report for XXXX, XXXX. it shows the months and years of XXXX XXXX late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The issue with that is Bridgecrest have violated my rights per the FCRA XXXX, it states if any financial institution that extends credit ( which they in fact extended me credit per my credit report ) and regularly furnishes negative information to such agency ( agencies are XXXX XXXX, ) regarding credit extended to a customer ( i am the customer ) the financial institution shall provide notice of such furnishing of the negative information in writing to the customer. Well i have never received any such written notice from Bridgecrest. Late payments are in fact negative information. The allotted timeframe for such notice has come and gone. My life as well as my XXXX XXXX XXXX are being affected by this reporting. I do understand that in regards to violations of the FCRA that XXXX XXXX of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. Which there have been damages done to me, i have been denied extended credit, increase in interest rates, judged upon based on this credit reporting i mean this has completely stressed me out. What i am requesting is that Bridgecrest update remove and update all late payments on my account with them on their file as well as with the consumer reporting agencies ( XXXX, XXXX, ) to remove the late payments and update them to paid on time and paid as agreed and that they follow the laws in which they are to abide for the better being of their customers
11/27/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MO 644XX	Web
On XXXX I submitted my normal monthly payment online of {$410.00}. On XXXX I received a text informing me that my payment was past due. I got on their website and looked at my account and it showed that the payment was reversed on XXXX. I spoke with a representative via phone XXXX to find out what happened and was told their records showed that I had requested the payment reversal. I informed him that was not the case as my payment would have gone through my bank long before the XXXX. He then went on to say that the funds must not have been there. I assured him that they were and that I would not have scheduled the payment if they weren't. I resubmitted the payment of {$410.00} on XXXX. On XXXX I called my bank to see if they were showing a request for funds to be withdrawn because I wasn't seeing on my banking app that the payment had come out of my account yet. They had no request for funds so called the loan company again and was told to call again in a few days if payment still hadn't been withdrawn from my account. Made phone calls to them on XXXX and XXXX because payment still had not been withdrawn. On XXXX I received another text saying my payment was past due. Went to their website and it showed that the payment that I made on XXXX had been reversed so called them on XXXX and was told the payment had been deleted for some reason and she was unaware as to why. Resubmitted the payment on XXXX and they reversed it on XXXX. Resubmitted payment on XXXX and made my XXXX payment on XXXX which is my normal due date and my XXXX payment was reversed again on XXXX. My XXXX payment was reversed on XXXX. Have since tried to remake both my XXXX and XXXX payments. Both have been reversed and an Insufficient funds fee has been added on which I called and complained about on XXXX and was told by them that the account they tried to withdraw the money from, on a payment I tried to submit to them on XXXX, had been closed. It is the same bank account they have been receiving payments from since the loan originated. My bank has told me they haven't received a request for any of these payments from the loan company.
06/08/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web
On XX/XX/XXXX, I received communication at my location information from BRIDGECRESTXXXX XXXX XXXX, an unknown third-party debt collector, that had a name that is not legally mines however had my property listed in the communication. The communication had language was obscene and threatening to me. Language threatening to steal my automobile if I did not pay them. These threats and demands caused me immediate XXXX and concern as I have no contract with BRIDGECREST/XXXX XXXX XXXX, nor have I had any communication with BRIDGECREST/XXXX XXXX XXXX to give them consent to have my nonpublic personal information. BRIDGECREST/XXXX XXXX XXXX has used my nonpublic personal information to commit identity theft to create a debt in a name that is not legally mines. BRIDGECREST/XXXX XXXX XXXX has committed fraud in an attempt to collect on an alleged debt for which I do not owe. These actions have caused me to be anxious and distraught. BRIDGECREST/XXXXXXXX XXXX XXXX has illegally furnished this fraudulent account to my consumer reports. This inaccurate information is weighing against my credit standing, credit worthiness, credit capacity, character and reputation. These willful intentional acts are criminal in its means. I have filed a police report with my local police department, XXXX XXXX XXXX Department Report # XXXX and with the Federal Trade Commission Report # XXXX. BRIDGECREST/XXXX XXXX XXXX has violated several federally protected consumer credit protection laws under title 15 chapter 41 and several federally protected crimes and procedures laws under title 18. On XX/XX/XXXX I mailed BRIDGECREST/XXXX XXXX XXXX an affidavit of truth with exhibits verified under the penalty of perjury, a cease and desist demanding all communication to cease, a debt validation letter pursuant to 15 USC 1692g and an invoice for all damages and actual damages they have caused. I also included a copy of my police report filed with my local law enforcement agency and a copy of the identity theft report I filed with the FTC. I have attached a copies of all the documents that was sent along with a copy of the mail receipt.
06/15/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 955XX	Web	Servicemember
In early XXXX I became aware of an ongoing identity theft and fraudulent debt issue against me when my legitimate XXXX Credit Card, which was in good standing, notified me that they were drastically decreasing my credit limit. When I got a credit report to investigate the unexpected issue, I discovered there were several delinquent credit card debts in my name, with my Social Security Number that I had never opened or were aware of. Some of them were fraudulent and in good standing, most were delinquent and one of them was already in collections. Others had been closed. The following are the fraudulent debts that appear on my credit report : Bridgecrest Credit Company , LLC ( opened XX/XX/XXXX ) for {$15000.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX ) for {$2400.00} XXXX XXXX ( opened XX/XX/XXXX ) for {$550.00} XXXX XXXX XXXX ( opened XX/XX/XXXX ) for {$300.00} XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ) {$1000.00} XXXX XXXX ( opened XX/XX/XXXX ) for {$700.00} XXXX ( opened XX/XX/XXXX ) for {$600.00} XXXX XXXX ( opened XX/XX/XXXX ) for {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX for {$4800.00} XXXX ( XX/XX/XXXX ) for {$2000.00} I contacted XXXX and XXXX credit reporting companies several times in XXXX and received a credit report with my legitimate and fraudulent charges and sent in paperwork to contest the fraudulent charges. They notified me that the fraudulent charges I contested had been verified by them as charges made by me. However, the fraudulent charges on my report are apparently being made with my actual Social Security number and from a person using my name and a middle initial, which I don't have in my Social Security record. The addresses associated with the fraudulent charges are not the same as my actual address where I currently live and have worked from for more than 10 years. While I worked to resolve this, I asked that the credit reporting companies freeze my credit in XX/XX/XXXX, which they said they could and would do. However, two more fraudulent credit charges were made after that. That is where the matter stands now and why I am contacting your agency.
03/19/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	MI 48209	Web
I have two major complaints with Bridgecrest. The first one I was essentially forced to give up on ; I had zero agency as a consumer to do anything about because of my financial situation at the time. The second has just arisen as a result of the pandemic. When I was car shopping I used XXXX. I found out who they used as their loan provider ( Bridgecrest ), and I called them directly to see if I could get a better interest rate. I was told not by one, but by two employees at Bridgecrest that they offered an interest buy down program. That is- the terms stated that if you payed XXXX dollars down within the first 60 days of the loan, you could knock off a point of interest. Knowing this, I then bought the car from XXXX. I then called Bridgecrest to them to say I wanted to do the buy-down, and the woman just told me something like 'yeah you just have to do it on the site ', which I did. Nothing happened, at which point I called them many times. The information started to vary, they some people told me that person had given me incorrect information, and others told me that yes, indeed that program did exist. Eventually I was left powerless, after having already purchased the car. This felt like an incredibly disingenuous bait and switch, and they should have the recordings of the two or more people that told me about this program, which I asked the managers to review, to no avail. The last issue that has pushed me over the edge and into filing this complaint, is that I called them to discuss some sort of hardship deferral on my loan due to being laid off as a result of the pandemic, and they simply told me that they were 'considering it ' and it would not be able to take effect until I was already in delinquency. This seems like yet another bait and switch, and completely wrong and disingenuous. I have read reviews of how quickly they repossess peoples ' cars after non-payment, and I am NOT falling into that trap. I want an assurance that I can put my loan, even briefly, on pause. Not to fall into delinquency with the vague hope that they'll honor some vague promise. I do not trust them.
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 90029	Web
Of course, here 's a combined version that includes both the extended information about various businesses and the edits you requested : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX I'd like to bring to your attention a recurring issue I've encountered with multiple businesses, including XXXX Bank, BridgeCrest, XXXX, and XXXX. These businesses all process payments via XXXX direct debit, using my bank accounts at XXXX, XXXX, and XXXX XXXX. The common problem I've experienced with these businesses is as follows : I am initially alerted that the payment has been received successfully. However, I never receive any notification when a subsequent payment is returned due to insufficient funds. Strangely, when these businesses attempt the payment again, it often goes through successfully, even though there have been no changes to my account balance. It appears that there were sufficient funds all along. Curiously, neither my banks nor the businesses in question alert me or document the return or retry payment. This lack of communication goes unnoticed, resulting in fees being charged. Due to delays in billing and a lack of timely notifications, I was unable to verify whether the NSF ( Non-Sufficient Funds ) return was indeed valid. This recurring issue has had a significant impact on my financial situation, and I believe it's crucial to address and rectify these problems with multiple businesses. I'd also like to inquire about the appropriate steps and authorities to report these issues to, as I am seeking assistance in resolving this matter and preventing such incidents from occurring in the future. Your guidance and support would be greatly appreciated. Bridgecrest has reported late payments on months that a had deferment agreement and on months were a loan payoff was being processed. My account was left as late and the last payment is undocumented. Marking closed and paid still leaves this account negatively closed and dose not explain that I satisfied the loan. I understand that months late will stay on my record but there are more then half that should not be marked.
05/23/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 34654	Web	Servicemember
This company is a predator on those who are struggling with their credit scores not only was I sold a vehicle that costs thousands of dollars in repairs including multiple engine replacements that left the vehicle in operable they inaccurately reported late payments to the credit bureau as well as initial payments and multiple payments made throughout the years {$0.00} or less than {$1.00} was applied to the principal and the entire payment amounts were applied to interest. On a {$17000.00} loan in 5 years of payments the ending balance was still {$7200.00}. The year after purchasing the vehicle this company was fined 8 million dollars for harassment and inaccurate credit reporting, the name was changed XXXX XXXX XXXX to Bridgecrest and the unfair practices continued. They refuse to remove the account from my credit score which is impacting my ability to improve my credit scores even though the account is paid in full and inaccurate. The harm they have caused by their outrageous tactics and preying on those that fall on hard times should be punishable. I will pay for years for doing business with this company with my credit score, have suffered extreme financial strain related to their practices, the repair expenses and 5 years of payments with outrageous interest rates and mental stress and anxiety of their harassment and have only asked to be afforded the opportunity to repair my credit score by requesting a deletion of the account information from all credit bureaus. The loan is paid off and they gain nothing by keeping it on my report other then to continue to harm me for years to come. I beg for an opportunity to move past this and have this inaccuracy totally deleted from my credit reports so that I can have a fair opportunity to rebuild my credit. I am attaching the account history so that you can see the outrageous funds paid and practices of applying zero to principal including initial payments. I am also willing to provide repair receipts of thousands of dollars for a low quality vehicle sold including multiple engine replacements as well if requested. Thank you
05/05/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 320XX	Web	Servicemember
I have an auto loan with Bridgecrest. I have set up a bill payment through my bank to pay my monthly amount. I have not had a problem with this until XXXX. My XXXX payment was showing it was not received. On my statement, which I provided to Bridgecrest, it shows the payment cleared my bank on XX/XX/XXXX. I contacted Bridgecrest multiple times and have spoken to 5 different people in the customer relations department and I keep hearing the same thing ; we are working on looking for the payment. On XX/XX/XXXX, my bank, XXXX XXXX XXXX XXXX, provided Bridgecrest with a copy of the check that showed their bank, XXXX XXXX, received the payment on XX/XX/XXXX. This has been going on for 7 weeks now and nothing is being done to rectify the problem. I have asked to have my account credited this amount since I have proven the payment was made, and they can continue to research where the money went, but they will not credit me since they can not find the money. Since this all started, I have received numerous calls harassing me about this delinquent payment, saying I will be sent to collections and this will be posted on my credit report. I also received a letter that was titled Notice of XXXX to XXXX and XXXX to Repossess. This is absolutely frustrating! I have great credit, have never been delinquent on any loans or any types of payments, yet even though I paid this monthly payment, I am being threatened by Bridgecrest of tarnishing my credit and repossessing my car. Also, since this all began, my bank made another payment to Brdigecrest that cleared on XX/XX/XXXX. This payment was done the exact same way as all my other payments, including the XXXX payment they can not seem to find. I do not know what else to do at this point. I can not speak to anyone higher up in the company. The rep refuses toilet me speak to her superiors and tells me there is no one higher than her to speak to about this. Please help me. I am feeling stuck and there is nothing I can do to fix this problem. This company is messing with my credit and my sanity at this point, and I don't know what I can do.
03/28/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 92883	Web
I purchased a XXXX XXXX XXXX on XX/XX/XXXX and begin monthly payments of {$480.00} on XX/XX/XXXX thru XX/XX/XXXX timely with no late payments. I had financial difficulties and had trouble making the payment. On XX/XX/XXXX my husband had a car accident in the vehicle ( to no fault of his own ) but it took three months for the repairs to complete and caused additional financial strain because car rental costs that exceeded the coverage had to be paid. The vehicle was released from the auto body shop and two days later XX/XX/XXXX the vehicle was repossessed for having past due payments of {$1700.00}. On Monday, XX/XX/XXXX the {$1700.00} was paid in full by my mother in law via checking & routing but Bridgecrest will not release the vehicle. Instead, they are holding it for an additional 14 days in order to collect more fees and transfer the vehicle to the state of Nevada and charge me transportation costs, repo fees and redemption fee for the auction place in Nevada. My mother in law confirmed with the bank that monies have been deducted from her account yet Bridgecrest will not honor this transaction. My other issue is that Bridgecrest will not confirm any cost in writing, I spoke to XXXX once, XXXX once and XXXX twice whom all said that if I pay {$1500.00} I can receive my vehicle and work out an arrangement for any additional costs, instead I received a Notice of Intent ( NOI ) letter that request {$2800.00}. Over the phone I'm being told that the NOI is standard and those fees aren't guaranteed either and to accept their verbal agreement but since the past due was paid via checking & routing instead of debit/credit I'm being penalized. I need for this vehicle to be released immediately because all of the past due is current and I have a new payment coming up next week. This is a great cheat and the finance charges are extremely high and overwhelming. I want to add that I also have a second loan with the company with a perfect payment history but it doesn't matter to them, all they want is to make people with credit challenges worse when they have a hiccup in payments.
03/22/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 34208	Web
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I have already mailed you this letter previously and I did not get a response by mail. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all paperwork you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am 1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 2. I also want to know who is the original creditor? 3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. I am also requesting all financing paperwork 5. Iam also requesting the Dealer documents 6. I am also requesting the redemption notice that you were suppose to send to me that I never received. 7. I am also requesting the deficiency notice that you were suppose to send to me that I never received. 8 Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to
11/01/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	OH 43213	Web	Servicemember
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Bridgecrest presented me with a fraudulent contract, they did not fully disclose all accurate and truthful information in the loan contract. I have demanded the Bridgecrest send me all requested information in order to prove that the alleged debt is owed, which they have yet to be so but they have continued to violate me consumer rights. They have not sent any of the information they are legally demanded to send according to 15 USC 1692g but they continue to collect on a debt that I have disputed which violate 15 USC 1692g ( b ). I demanded the Bridgecrest send me the following information : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged Account # ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was this debt assigned to a debt collector or purchased?, ( 9 ) Amount paid of debt was purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ). Bridgecrest gave a response that was not sufficient as they didnt provide the information requested above. Bridgecrest violated my Cease and Desist on XX/XX/2021 by sending me a letter that did not sufficiently respond to my concerns, request and demands but also informed me that it was an attempt to collect a debt. I also informed Bridgecrest that a sufficient response to my Affidavit of Truth was affidavit response with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stands as truth in commerce but that I can/will file fault judgement in the favor of me, the consumer and the necessary actions will be taken against Bridgecrest and XXXX XXXX XXXX XXXX
04/28/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TN 37922	Web	Servicemember
Throughout the time frame of XX/XX/2022 to the present day, the company, BRIDGECREST has repeatedly contacted me claiming that I owe a debt under BRIDGECREST. I have disputed several times and allowed BRIDGCREST appropriate time to show evidence of contractual obligation between the debtor and BRIDGECREST. I have reason to believe your accounts to be invalid because the original contract has an addition to the agreement with the following items : ( 1 ) The intent of the agreement is that the original party who funded the alleged loan per the bookkeeping entries is to be repaid the money. ( 2 ) The bank or financial institution involved in the alleged loan will follow G.A.A.P. ( 3 ) The lender or financial institution involved in the alleged loan will purchase the promissory note from the borrower. ( 4 ) The borrower does not provide any money, money equivalent, credit, funds or capital or thing of value that a bank or financial institution will use to give value to a check or similar instrument. ( 5 ) The borrower is to repay the loan in the same species of money or credit that the bank or financial institution used to fund the loan per GAAP, thus ending all interest and liens. ( 6 ) The written agreement gives full disclosure of all material facts. Furthermore, nowhere in the documents sent is BRIDGECREST listed as a party with any interest nor was there any trilateral contract signed between the alleged debtor, BRIDGECREST, and XXXX XXXX. In the case that BRIDGECREST purchased and/or received the original contract from XXXX then : 1 ) Proof and evidence directly from the original creditor that I consented and gave permission for the sell of the contract. 2 ) Proof and evidence of a new contract between the alleged debtor and the new creditor showing the agreement to pay the new contract in the event that the original contract was sold and bought. 3 ) Proof and evidence from the original contract that gives trustees and third parties access to the debtors personal private information to included the account number to the debtors XXXX XXXX XXXX XXXX.
10/07/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	VA 22031	Web
On XX/XX/2022, I exercised my right to rescind my credit consumer contract with XXXX XXXX pursuant to Truth in Lending Act, 15 US CODE 1635, Regulation Z, and 12 CFR 226.23 due to XXXX XXXX not providing me with all material disclosures to include my federally protected right to rescind which is a violation pursuant to 15 USC 1635 ( a ), Regulation Z, 12 CFR 226.23 and 226.17. XXXX XXXX received my notarized notice, special POA and IRS form 56 via XXXX XXXX XXXXXXXX and Return Receipt signed by XXXX XXXX on XX/XX/2022. BRIDGECREST CREDIT COMAPNY also received these notarized notices via XXXX XXXX XXXXXXXX. On XX/XX/2022, I filed a CFPB Complaint due to not getting a response, the complaint ID is XXXX, XXXX XXXX told the CFPB they would comply with my Power of Attorney and give me the title to my private property which they have yet to accomplish, BRIDGECREST CREDIT COMAPNY is now in violation of 15 USC 1692 ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy, 15 USC 1692f Unfair Practices - ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest. ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement, and 15 USC 6802 ( b ) ( 1 ) ( C ) for furnishing my nonpublic personal information to XXXX XXXX who illegally and unlawfully stole and transported my private automobile on XX/XX/2022 and plan on selling it which is a violation of 18 USC 2312 TRANSPORTATION OF STOLEN VEHICLES and 2313. I am entitled to actual damages under 15 U.S CODE 1692k ( a ) ( 2 ) ( B ) THE CREDITOR IS RESPONSIBLE FOR THE ILLEGAL ACTIONS OF XXXX XXXX BY LAW
12/10/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29680	Web
I purchased a car from XXXX XXXX now known as BridgeCrest.. Since having purchased the car in XX/XX/2011, I 've had numerous problems with the car.I have poured at least XXXX into the car for repairs.. I have received harrassing calls, sometimes up to eight calls a day ; When I called to discuss my payments with the representatives they were rude, condescending, and talked over me while in conversation about the details of the car. I have often been threatened to make a payment often leaving my family in difficult situations concerning their basic needs being met. After speaking with one of the representatives she forgot to hang the phone up and I heard her laughing about me struggling to pay {$100.00} that week. She laughed and said, " It is on a XXXX XXXX XXXX ''. Another representative was heard giving her information about what they planned to do with the account and the that the value of the car had been payed off already. In talking to representatives about the account, I would get conflicting information concerning the status of my account. When I made XXXX aware of the problems concerning the condition of the car they said " It is the normal wear and tear of a used vehicle ''. I only drive the car back and forth from work and locally. My fear is that I would be stranded if I were to travel a out of state. It 's getting worse because there is now no workable heating system in the car and we are in the cold weather months. The defogger blows cold air therefore on cold days it is impossible to have a clear view in order to drive. I have been told that there is still a remaining balance of $ XXXX on the vehicle that has to be made by XX/XX/XXXX or the car will be repossessed and will charge off. I have been late with payments because of having to certain income struggles in my family but always continue to make some type of payment. I was sold a lemon of a car, and this is affecting my credit and the opportunity to purchase another more reliable and safer car to drive. Since I have already paid the car off, I want protection from having it repossessed.
05/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TN 37664	Web	Servicemember
During the time of XX/XX/XXXX, I purchased a car from XXXX, using an extension of credit from my cestie que vie trust. Signed a bilateral contract between XXXX and the beneficiary of the trust. XXXX of XXXX, I began receiving harassing calls from BRIDGECREST about an alleged debt. I have sent Bridgecrest several debt validation requests since XX/XX/XXXX. Upon receiving information that the original creditor is XXXX, I requested a debt validation from XXXX to which XXXX responded saying they were unable to validate. Therefore, if XXXX, the original creditor is unable to validate the alleged debt, BRIDGECREST is unable to validate the alleged debt, how then can Bridgecrest claim the debt has been validated? How was the alleged debt validated to be reported negatively to my credit reports? If indeed, the alleged debt is valid, what were the steps taken to validate? Bridgecrest has provided documents that show that Bridgecrest is not listed on the original contract nor does the original contract show Bridgecrest as a signing party to the contract. Therefore, how can Bridgecrest claim they are a party in the contract and how did Bridgecrest obtain my private information? I never consented for my private information to be solicited and bought on back door deals in which I have no knowledge of, this is clear evidence of IDENTITY THEFT and evidence of FRAUD IN THE FACTUM. Bridgecrest has claimed they are the account servicer but has failed to provide evidence of this statement in the original contract. This is another clear evidence of false and misleading statements which is a violation of 15 USC 2B 78ff, which is subject to fines of {>= $1,000,000}. Furthermore, Bridgcrest and XXXX has violated my consumer rights and my privacy rights which are a violation of 18 USC 1028A, and to add, Bridgecrest is furnishing and negatively reporting collections attempts which is another violation ; 15 USC 1692d ( 4 ). At this Time I invoke my right to rescind any alleged contract with Bridgecrest and XXXX pursuant to 15 USC 1635. I have been damaged and demand remedy.
05/06/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TN 381XX	Web
I am writing this letter in regards to a debt that I allegedly owe to bridgecrest company. I requested a validation of this debt under the provisions of the Truth in Lending Act, 15 U.S.C. 1601 et seq. but i never received that As per the requirements of the Truth in Lending Act, I am entitled to receive a written verification of the debt that I allegedly owe to this company. This verification should include all relevant details of the loan or credit agreement, including the original amount of the debt, the current balance, the interest rate, and any fees or charges that have been added to the account. they have re-aged my account so i requested this and i never received it. I am requesting that they provide me with the following information : A complete and detailed accounting of the debt, including the original amount, current balance, and all charges or fees that have been added to the account. A copy of the loan or credit agreement that I allegedly signed, along with any amendments or modifications that have been made to the agreement. Documentation of the authorization or assignment of the debt to your company, including the name and contact information of the original creditor. Verification that your company is licensed to collect debts in my state. Please be advised that until you provide me with the requested information, I dispute the validity of this debt and request that you cease all collection activity, as per the provisions of the Fair Debt Collection Practices Act. I would appreciate a prompt response to this request within your receipt of this letter. If you are unable to provide the requested information, please inform me in writing and provide the reasons for your inability to do so. i have checked my credit report and i see that this account is now listed as closed by bridgecrest and dropped my credit score XXXX points. this re-aging of my account has harmed me again. i did not have an account with bridgecrest so i do not know who these people are. these people were emailed by me and never responded back.
07/20/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	VA 222XX	Web	Servicemember
Purchased a used XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX in XXXX va, set up with direct payments to Bridecrest Financial, first scheduled car payment of XXXX did go though on XX/XX/XXXX and clear the my checking account. i received phone call from Brigdecrest on XX/XX/XXXX after i canceled a XXXX extended warranty and GAP insurance that there was problem with the down payment of XXXX dollars and a block was placed on the debt card, i called XXXX XXXX and the rep claimed since it was a large payment of XXXX it was declined but could recharge, i called Bridecrest the rep explained i would need a letter from XXXX XXXX Bank Manager stating it was the bank fault, i called XXXX XXXX since no branches were opened due to covid 19 and the rep said send the reason it was declined off the online banking statement which i did and put the charge back though, Bridgecrest would not except and claimed i was in default of the contract terms for the down payment which i could have reinstated that day, Brigdecrest denied any further payments which i offered to pay more per month I asked how can this be adjusted or worked out the rep explained it can't and won't we are going to repo the car, i tried everything in my power to correct the situation and they offered no resolution on this matter the car was repossessed on XX/XX/XXXX and the rep claimed it would be a contract rewind and wouldn't show up on my credit report, a week later showed up as repo on all three credit reports and can't get another car loan, i have not received any notification from Bridecrest on this matter and have called Bridgecrest many times they claim it takes time remove from credit report. on XX/XX/XXXX spoke with Bridecrest collection and the car is being sold at auction and i will be responsible for any balance left over, i was never notified from Bridgecrest that they intended to auction off this isn't the first case of this happening though Brigdecrest over 1000 complaints to XXXX of misleading contracts, this company needs to be investigated by VA states attorney 's office
07/15/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	VA 233XX	Web
On XX/XX/22, I received a phone call at a very bad time by Bridgecrest stating I owe a debt, I asked to send me a bill in the mail the lady stated they can't send me any mail the whole situation increased my stress and I decided to write them a letter. On XX/XX/22, I sent Bridgecrest a letter stating to validate a debt they were stating I owe via phone call I didn't hear anything back until XX/XX/22. On XX/XX/22, I received a letter stating I still owe a debt and that I was in possession of their vehicle, they sent me a copy of a contract with another company, XXXX. On it had no indications that Bridgecrest was associated anywhere, not even in the " Third Party Agreement '' section. Also they failed to send me anything regarding what I asked for in my initial letter to validate the debt. I also in the initial letter stated to give me 30 days to review anything they would send and respond. XX/XX/22 reports showed up on my consumer report with the 3 major reporting agencies stating that were were in dispute but it's been resolved. It hasn't been a full 30 days nor have I responded yet to the information they sent me. On XX/XX/22, I sent a letter to Bridgecrest stating I'm not refusing to pay I just would like proof it is them in fact that I owe money to. XX/XX/22 I walk outside and the car was missing from the drive way. This caused a severe inconvenience to me because I was then late to a very important place I needed to be this morning! I called Bridgecrest to ask if they had anything to do with this and they stated they have started a repossession process. I received no notice, no letters, and this account was still in dispute! I had personal items in the vehicle that was needed for this morning and had no idea where the vehicle was! XX/XX/22, I sent an Affidavit to Bridgecrest cc'ing the CEO, CFO and the Attorney General. These matters has drastically been effecting me and my family and causing a number of stress in our lives as we are awaiting a baby and I need transportation to take her to and from hospital appointments.
01/17/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	FL 32738	Web
Last week ( XX/XX/XXXX ) I had my vehicle repossessed by Bridgecrest with whom we had the car loan. I and my then-wife went into XXXX XXXX bankruptcy in XX/XX/XXXX. In XX/XX/XXXX we got divorced and I was dismissed from the bankruptcy case. My lawyer said that I could resubmit a new bankruptcy later under just my name which would include the house and the vehicle in question. In late XXXX, I started the bankruptcy process. My lawyer asked me to get updated debt information which included the car loan. I tried to log into my online account but found there was no longer any account info available. I called Bridgecrest in XX/XX/XXXX and asked for the payoff amount and was told that the account was " marked charged off due to bankruptcy. '' I relayed the information to my lawyer. I again filed for XXXX XXXXXXXX but the court rejected the payment plan and wanted a higher monthly payment than I could afford. My lawyer then converted the case to XXXX XXXX but the court rejected that as well. I called Bridgecrest, talking multiple times to get as much info as I could. I learned that on XXXX they marked the account as " charged off. '' This was after I had filed and was already in the original XXXX XXXX which protects assets like the house and car. When I called in XX/XX/XXXX the car was still " charged off. '' I was told they received notice on XX/XX/XXXX, that a bankruptcy case was dismissed and that is why they repossessed the vehicle. I had no access to the site, no bills, no notices, and no communications at all from Bridgecrest that they were looking to collect on the car. I was locked out from the online portal and the only info I ever received was when I called in and was only told it was " charged off. '' If I had only known any information that it was charged off, in collections, or being repo 'd I would have tried to work with them. They want the full principal and reinstatement fee which total {$16000.00}... I am self-employed, and a caretaker for a XXXX person. I was completely blindsided by this and not sure what to do.
06/14/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 273XX	Web	Servicemember
On Fri XX/XX/XXXX, I called Bridgecrest as I thought I was late on my payment. When I called, I had already scheduled a payment for the past due amount, which was to pay around XX/XX/XXXX, which had not processed ( the normal process time is about 4-5 days ) and wanted to discuss payment options for my XXXX payment. The rep I spoke to told me I only owed {$5.00}, and that other than that, I was up to date and did not have a payment due, after the {$5.00}, until XX/XX/XXXX. So I took the money out of my checking account and let that XX/XX/XXXX payment go through and get returned. I have been unemployed since XX/XX/XXXX, have been making regular payments but after being unemployed for several months, I was more than thrilled to have an extra {$440.00} that I could use to pay other items that were also due. Today, I received a call that I was past due and needed to pay asap. I was totally confused - just 5 days ago, I only owed {$5.00}. The rep argued with me and told me that I had returned payment but no matter how I tried to explain the XX/XX/XXXX call, she would not listen so I hung up. I called back, same no interest/no care from that rep but I told her that Bridgecrest needed to listed to the XX/XX/XXXX call and then let me know what they could do. Their rep said I only owed {$5.00} which I paid on that day. The rep said the supervisor would review the call from XX/XX/XXXX and call me back within 15-20 minutes. That was over an hour ago and no return call or options for paying. Now, I'm afraid they will just come take the car and being out of work, that would be very detrimental for my family. I called trying to work with them, I was given the incorrect info and now, the car could be gone today- all because of what their rep told me. As an FYI, my daughter was sitting with me when I made the call due to a broken rib I have from a recent accident, and it was on speaker phone so I do have a witness of the call. I also sent a text to my son telling him the good news because right now, his job is the only thing keeping us going.
04/30/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	IN 46112	Web
XX/XX/2021 This complaint is in followup to my previous complaint # XXXX. Bridgecrest did not accurately update/correct my credit reporting as promised as a result of my previous complaint ( See attached letter confirming this ). Per Bridgecrest 's published response to my previous CFPB complaint, all credit bureau reporting was to be updated to remove all derogatory information. During my telephone conversation with XXXX XXXX. ( Bridgecrest Compliance Dept. ) on XX/XX/21, I notified her that my credit reports have NOT updated accordingly as promised. She advised that perhaps the credit bureaus have not updated yet and suggested that I contact the bureaus because it was not the fault of Bridgecrest that the bureaus have not updated. However, I have disputed with all credit bureaus in order to have the reports updated. They have completed their investigations and all have confirmed that Bridgecrest is still reporting my account as a " PAID CHARGE-OFF '' with a " MAJOR DELINQUENCY '' first reported XX/XX/2021. The most recent completed dispute/investigation results are from XXXX dated XX/XX/2021 ( over 45 days since I was first told that my reporting would be changed to show no derogatory information whatsoever ). I have, indeed, followed the advice of XXXX XXXX from Bridgecrest by contacting the bureaus as well as filing credit disputes in order for an investigation to be carried out. The results of these actions confirm that my account is not being reported as completely positive with no derogatory information as promised ( in a telephone conversation with XXXX XXXX on XX/XX/21, by a letter sent via XXXX First-Class mail from Bridgecrest datedXX/XX/21, and by the Bridgecrest response on XX/XX/21 to my CFPB complaint ). As of today, XX/XX/2021 ( 90 days since I was told that my reporting had been updated to reflect a positive status with no mention of any negatives ), XXXX and XXXX are still both reporting DEROGATORY, PAID PROFIT AND LOSS, CHARGE-OFF, etc., which is not the information that Bridgecrest promised to report.
11/11/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33884	Web
I was called by Bridgecrest financial on XX/XX/XXXX. They called me to congratulate me on my new purchase of a XXXX XXXX XXXX from XXXX.I had not purchased a car nor was my purchase a XXXX, I asked them for a copy of my purchase agreement. They told me that they couldn't provide me a copy I asked to speak to someone in charge because this was clearly a MAJOR mistake. I spoke to a woman by the name of XXXX from Bridgecrest who told me the car was delivered to my home in XXXX XXXX FL. On XX/XX/XXXX, which was absolutely outrageous myself nor my wife received a car purchased from XXXX. I called them several times a day and was given the run around between XXXX as well as Bridgecrest as to whom was to blame, I was told to file a police report, but yet no information was provided to me except being told verbally a car was purchased in my name, which was mentally exhausting for myself as well as my wife, I work overnights as a XXXX XXXX and being on the phone with no answers every day after my shift with no answers and the continuous run around was a nightmare, not to mention the stress of my credit and contacting all 3 major credit institutions worrying how this has or will impact my credit score, which I'm in the process of rebuilding. After nearly a week later a woman from XXXX whom i might add was extremely helpful told me this was clearly a mistake on Bridgecrest 's behalf and the car was financed in my name but brought by someone else, I attempted to file a police report and gave a statement to Officer XXXX from XXXX XXXX police, he stated as of yet this is not Identity theft but clearly a major financial mix up on the finanace company Bridgecrest.. XXXX contacted me again on XXXX of XXXX and stated it was solely a Bridgecrest matter and someone would contact me on the next buisiness day. No one reached out to me so I reached out to them again and still the same run around, since the ordeal this has shown up on my credit even if it is removed this will impact my credit as well as myself and my families financial future.
02/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35803	Web
Complaint number 3. This account has been VERIFIED AS ACCURATE AND UPDATED : Yet, on my credit report The last payment reflecting an OK ( current ) status ( paid ) jumps from on time to 60 days late. ( Attached ) I disagree that this account is accurate. My understanding is that 30 days comes before 60. Therefore, this account is not accurate : How was it Verified as such? If you can not fix this and report accurate information as the FCRA regulates, then notify the CRA ( s ) for deletion of this account from reporting onto my consumer report. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. I want to remind the Furnisher ( Bridge-crest ) of : Prohibition on Reporting Inaccurate Information. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate. In addition, Furnishers Duty to Investigate. If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate. Finally, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
10/02/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 30096	Web
I contacted Bridgecrest XX/XX/2019 and spoke with XXXX to discuss the inaccurate information on my CBR. I'm currently on a payment plan paying {$290.00} every 2 weeks. I was never advised when I set up the plan, rather by phone speaking to rep ( back XX/XX/2019 ) or via the online portal, that I would continue to report delinquent during the plan. I'm currently in the process of purchasing a home and that's when I noticed that I was reporting 3 months past due. However, I have continued to make my agreed upon payments. During the conversation with XXXX, I advised that I understood the first delinquency hit as I set up the arrangement after the account was already 31 days delinquent. The days delinquency referenced was provided by XXXX during our conversation as I was unaware how far behind, I may have been. XXXX stated she saw where Bridgecrest tried to contact me prior to the payment arrangement to prevent it from hitting my CBR. She advised that if I SPOKE with someone I would have known. However, I did speak with someone and it was never brought up. I asked if there was someone, I could speak to that would help me rectify this. She advised that all disputes would need to go through the credit agencies. Several times during the convo XXXX advised that she was reviewing notes and dates incorrectly. I'm sure she is very proficient in her knowledge of how to read account notes, there were times that the information that was shared was " off '' as she stated that she doesn't show when I spoke with someone. It wasn't until I gave her an approximate time frame when she was able to locate. She also was referring to emails and texts that were sent as " phone calls ''. XXXX was very patient, and I believe she did all she could do at that time. I would like to be able to have my credit bureau report updated to reflect only 1 month past due and not 3. I failed to note that XXXX did state during the call that Im reflecting " current '' or " caught up '' now. Again, I'm showing past due for XXXX, XXXX and XXXX.
04/10/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PA 152XX	Web
I the federally protected consumer entered a consumer credit transaction with Bridgecrest in regards to my vehicle being used for personal and household use. As Bridgcrest is the EXTENTION of my credit extended back to me ORIGINAL CREDITOR. They provided me with a copy view contract, not even the original contract. I got the contract and went through it and came to an understanding that Bridgecrest violated me in multiple ways. I was never provided with the disclosure of my right to rescind the consumer credit transaction. Outside the finance charge, which is the sum of all charges there should not be any other charges and my insurance premium should of been included and it wasn't. Bridgecrest is not suppose to use any symbols in the contents used by the mail indicating they are in the debt collection business. Bridgecrest can not advise a consumer they owe a debt. Bridgecrest is consistently using XXXX name throughout the contract and I don't have a contract with them, I reached out them previously before reaching out to Bridgecrest. Bridgecrest is creating unlawful forms to create false belief in a natural person owing an alleged debt when it was a consumer credit transaction. The alleged debt shows in a positive balance. Bridgecrest is using XXXX location information when I don't have a contract with XXXX. Bridgecrest received consideration at the start of the consumer credit transaction using my social security card. Bridgecrest is using obscene language advising of repossession and and taking back my vehicle which there is no way Bridgecrest the company or any uninterested 3rd party can steal from a consumer. Bridgecrest used profane and threatening language by advising me the consumer to pay for a lawsuit for a fraud contract. Bridgecrest is using XXXX name as if they are collecting the debt when I don't have a contract with XXXX. I am demanding the agency to work with me the federal protected consumer under the guidelines Fair Debt Collection Practices Act and the amendments to Truth and Lending Act.
09/14/2022	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AL 36608	Web
I financed a XXXX XXXX XXXX XXXX through XXXX on XX/XX/XXXX. Bridgecrest XXXX was the company who financed the vehicle. On XX/XX/XXXX I mailed by certified letter a Conditional Acceptance Letter along with the original contract to either was CEO ( XXXX XXXX ) or CFO ( XXXX XXXX ) of XXXX to XXXX XXXX XXXX XXXX XXXX, AZ XXXX requesting for validation of debt and under assumed name. I then mailed another certified letter along with a copy of 1099B which was received on XX/XX/XXXX by XXXX XXXX, I believe. Bridgecrest kept calling everyday and night for a payment that I still did not get a response of validation of debt from. I spoke with a Bridgecrest and they stated that they received the 1099B, but they do not accept 1099A as payment and still requested a payment since I was behind. I mailed to Bridgecrest CFO ( XXXX XXXX a Notice of Acceptance which was received XXXX that according to HJR 192 of XXXX that debt is prepaid since there is no real money circulating. Bridgecrest mailed back to me a copy of the agreement pointing that I owed the debt, but still validation. I get an email from Bridgecrest about repossession scheduled for XXXX XXXX if no payment was made. I mailed them back by certified letter entailing HJR 192 of XXXX and XXXX. On XX/XX/XXXX, XXXX XXXX repossessed my vehicle. Bridgecrest was asking for me pay the past due of XXXX that I told them I did not have. I asked Bridgecrest about HJR 192 OF XXXX, But a representative stated that the they do not abide by THE HJR 192 of XXXX. They mailed me back a statement saying that the car will be sold sometime after XXXX XXXX if no payment was made. I mailed on XXXX XXXX by certified letter to CFO of Bridgecrest an Affidavit of truth of violations of 15 USC 1662, 15 USC 1635, 15 USC 1605. Also included was an invoice of the violations occurred totaling {$45000.00} according to 15 USC 1692 ( a-e ) with 10 % tax along with the copy of the contract that Bridgecrest mailed me but I marked the violations on the contract. The letter was received XXXX XXXX.
11/12/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MD 20878	Web
I had an auto loan through Bridgecrest secured by my car, a XXXXXXXX XXXX XXXX XXXX. On XX/XX/XXXX, the car was in a total loss accident. Insurance Claim was processed through XXXX, and Bridgecrests loan was repaid in full. After the loan was repaid, Bridgecrest has failed to provide a full refund for the overpayment they received. XXXX shows two payments made to Bridgecrest. One payment on XX/XX/XXXX for {$38000.00} and a second payment of n XX/XX/XXXX for {$20.00}. Bridgecrest shows they received a payment of {$38000.00} from XXXX on XX/XX/XXXX, repaying the loan in full ( including interest ). They then show this payment reversed on the same day, and then two separate payments received from XXXX on XX/XX/XXXX for {$38000.00}, and for {$20.00}. Bridgecrest claims to have received {$170.00} less than what XXXX actually paid. I have received two paper refund checks from Bridgecrest for the overpayment. One for {$150.00}, and the other for {$750.00}. I deposited both checks, and several days later Bridgecrest sent a stop payment for the {$750.00} check and the deposit was reversed. I have followed up with Bridgecrest via phone for an explanation several times only to be told their accounting team is working on it and to call back next week. My account access through their portal was automatically terminated once they received repayment, so I have no access to the account information other than the transaction history they shared over email. The Bridgecrest transaction history does not match XXXX payment records ( neither payment amounts nor dates ), and inaccurately shows my XX/XX/XXXX loan payment of {$750.00} was refunded. Bridgecrest has not been able to confirm the amount I am still owed, or when I can expect to receive funds from them despite several phone calls and weeks of waiting. I do not believe they can be trusted to keep accurate account/payment records, and they do not appear to have any intention of refunding me for the {$770.00} of overpayment they are still holding.
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35235	Web
I have an open car loan with Bridgecrest through XXXX. I got into an accident XX/XX/XXXXXXXX and my vehicle I was financing was deemed total loss on XX/XX/XXXX. My current loan balance at that time on XX/XX/XXXX was {$17000.00}. My remainding balance was paid in full by both XXXX XXXX insurance and XXXX XXXX ( XXXX ) coverage. I also was due a refund from XXXX for {$490.00} which was paid to my account on XX/XX/XXXX leaving my balance at {$17000.00}. {$17000.00} - XXXX ( XXXX ) = {$14000.00}. {$14000.00} - XXXX - XXXX ( XXXX XXXX XXXX checks ) = {$690.00} on XX/XX/XXXX. From this point there should be no interest involved but there is and all my payments were being heavily thrown towards interest by Bridgecrest when I told them I wanted multiple payments put mostly or only towards principal which would leave me with no more interest. {$690.00} - {$450.00} ( the payment I made on XX/XX/XXXX ) and minus {$410.00} ( the payment made on XX/XX/XXXX ) leaves my balance at- {$170.00}. This means Bridgecrest owes me {$170.00}. Not only has Bridgecrest not reported that I made payments at all from XXXX through XXXX. Both insurance checks were paid and received in XXXX on the XXXX, XXXX and the XXXX check was paid and received on XX/XX/XXXX. Not only am I being flagged for late payments of 60 days but today is XX/XX/XXXX and I am just now receiving info on how to close account but the account should have been closed in XXXX if not the latest XXXX. I should be nowhere near 60 days late for a car I totaled XXXX months ago. Do not do business with Bridgecrest. The thing is this process took way too long for simple tasks that should be completed much sooner if worked on with diligence. I stayed in constant communication and there was no transparency, as a matter of fact I was told I was not in credit bureau danger on multiple phone calls ; I was lied to then comforted on another call that it would all be changed at the end when it should never be wrong in the first place. Just plain out bad business.
03/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80020	Web
I purchased a XXXX XXXX XXXX XXXX XXXX ( VIN # XXXX ) through XXXX on XX/XX/2022, financed through Bridgecrest. I have had numerous issues with having the ability to make payments, not due to myself having the funds available, but due to issues on Bridgecrest 's end that they refuse to acknowledge or resolve. I believe the issue lies with my account number, per the various error messages I have received online and/or through my bank ; however, since Bridgecrest has refused thus far to acknowledge there is an issue with my account number, I have not been able to complete payments, I have had many additional charges for having payments returned from my bank and/or card, a Bridgecrest employee told me the wrong biller to submit my payment to when I attempted to pay inperson at a XXXX via XXXX, and my vehicle is now in repossession status. My various banks/credit cards have not permitted payment to this account due to the account number Bridgecrest " not existing. '' I am unable to submit payment online through the debit card third party portal due to the account number " not existing. '' When I finally resorted to going in-person to XXXX, and the employee not being able to submit the payment to Bridgecrest due to my account number " not existing, '' I had Bridgecrest on speaker phone while the employee stated they didn't know why my account number wasn't working, and then proceeded to have me submit my payment through XXXX XXXX XXXX , where it accepted my payment. However, after going a week and not seeing this payment applied to my account, I called Bridgecrest who informed me the previous employee gave me false information, and they couldn't accept a payment to that biller. Now, I do not have access to that {$600.00} I submitted, in addition to not having any way possible to submit payments of any kind due to my account number not registering. Bridgecrest insists my account number is correct, and refuses to look into it in any way to get it resolved.
01/05/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	VA 22315	Web
I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. According to 16 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to BRIDGECREST as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against BRIDGECREST in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 BRIDGECREST is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract against BRIDGECREST for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.3. A Promissory note is a negotiable instrument. BRIDGECREST has committed aggravated Identity theft and is still benefiting from my intellectual property. My vehicle was illegally repossessed and I now can not get to work and pay for everyday necessities.
03/17/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 22193	Web
Payments have been miss applied since XX/XX/XXXX. I have called in every two weeks and issue still not fixed. XX/XX/XXXX XX/XX/XXXX Normal Payment {$170.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$20.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Assessment $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$0.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$150.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$15.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$150.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$9.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$380.00} Applied
03/08/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IA 50310	Web
XXXX XXXX I purchased a vehicle from XXXX a XXXX XXXX XXXX which turned out to be a lemon they didn't tell me that there was transmission issues and the company was in class action for that vehicle so at that time my credit score was very very very low I had no choice but to go to a buy here pay here they approved me I paid on my car for a year my credit score went up dramatically probably from XXXX all the way up to over 600 well due to the fact that the transmission was faulty in my XXXX XXXX I got the recalls fixed a day after I got back from the XXXX dealership the car accelerated and jolted resulting in a car accident which total my vehicle I paid XXXX a month for a year plus the {$1200.00} down payment the gap insurance and my insurance ended up paying 17,000 something something dollars plus my Years payments am a down payment I got nothing so they said they would put me in a new car no charge to pick out a new car for {$15000.00} no down payment but when they set everything up they gave me the same interest rate that they had gave me a year prior with my low score instead of running it with my new score a year later after I got better so I'm still paying high interest rate at 18 % interest from a score from the year prior when my credit was bad after I had already been paying them for a year and establish better credit but had no choice because I had no down payment because I got no money from the first vehicle accident so I'm wondering why am I paying high interest rate when my credit was better and they never ran my credit again they just use that your prior score and why did I pay so much for a car that wasn't worth it because after I purchased my XXXX XXXX XXXX for XXXX I had it appraise for the value and it was only valued at {$4000.00} even the insurance company valued it at XXXX so why did I pay XXXX XXXX in total XXXX for a car that was not worth it and that was the lemon they had issues to the car dealership knew about
05/24/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 433XX	Web	Servicemember
This evening, XX/XX/XXXX, my vehicle was repossessed for no reason and the police were involved because I refused to let the tow driver take it as I provided proof that I was not behind on my payments and my insurance is paid and up to date. He stated Bridgecrest placed it in repossession for {$50000.00}. How can that be when the vehicle isnt worth {$50000.00}, its a XXXX XXXX and Im current on everything. Bridgecrest provided false information to the XXXX XXXX XXXX and my husband was assaulted fir attempting to get some of our stuff out of the car. Since this was a civil matter I told him the police cant make me give up something especially when Im not wrong. The information the tow driver provided was on a computer screen which said I owed {$50000.00} dollars for a XXXX XXXX. They seem to make a lot of mistakes. The officer, XXXX XXXX, Ohio Ohio Department, also told the tow driver everything was current and my next payment wasnt due until XX/XX/XXXX and also told him my insurance is current and paid. If a warrant is issued and theres a mistake its no good so how did the driver take my vehicle? This is the second time this has happened the last time was XX/XX/XXXX and it took me a week to get my vehicle back and I had to pay double what they said I owed. The took my vehicle to the auction in XXXX, Ohio after telling me my car wasnt going anywhere and it would be in XXXX, Ohio. I had to take a day off work to drive 3 hours to get my vehicle and we paid for a hotel stay because the auction lot closed at XXXX. I thought it took 90 days before they could put a vehicle up for auction. Now the tow company comes and my husband gets assaulted by the driver. The same driver almost smashed my hand in the back hatch because I opened it. Bridgecrest has caused me and my husband stress in the past and now its escalated to my husband being physically assaulted. I can be reached at XXXX. I have everything to proof there is no defaults.
08/24/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IN 463XX	Web
In XX/XX/XXXX I co-signed for a car for my grandson because of my credit they put my name first my grandson was late every month with his payments because his payment date from his job did not match up with the due date for the car note this was not brought to my attention until XX/XX/XXXX once they called me we changed the due date so that he would not be late and this was XX/XX/XXXXXX/XX/XXXX he was behind two payments at that time the company was called XXXX XXXX the only way I found out he was behind was because they reported it to the credit bureau and they took 80 points off my credit I call them and ask why they did not reach out to me XX/XX/XXXXthey gave him an extension I spoke to two people within the last couple of weeks one said they gave him 6 weeks within the loan to catch up and he still behind a half a payment which I did not see on printout to catch up the other said they put those two payments at the end of the loan then changed it and said one payment the contract States the loan was 47 payments and the amount was for {$18000.00} the loan was supposed to end XX/XX/XXXX I had them to send me out his payment sheets his contract a few days ago after the extension they continue to charge him late fees even though the date was changed he paid all his payments on time after that and two additional payments at the end of the loan they say he still owes an additional {$900.00} on the principal but he has paid {$18000.00} a little over what the contract stated the full payment would be so they told me he signed a modification I asked my grandson he said he did not so I told them to send it to me when I read the modification his signature was not on there but mine was and signed incorrectly they did not have my permission they forged my signature this car is paid in full all these additional fees they want to add on I feel it's illegal and they need to be stopped they once again report it to my credit and took 78 points
02/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ XXXXX	Web	Servicemember
In XXXX of XXXX, I was fortunate to be gifted a brand new car, however I already had a car loan for a XXXX XXXX XXXX thru Bridgecrest. As I was preparing to do a Voluntarily reposession, My XXXX in Colorado had contacted me and said she was interested in taking over my car payments. I proceeded with that option, and from XX/XX/XXXX until XX/XX/XXXX, the payments from my XXXX to me were applied to the car. The next payment was due on XX/XX/XXXX, However, on XX/XX/XXXX, I was hospitalized for a Severe Umbilical Hernia, medicated, and placed on bedrest. I called Bridgecrest to inform them of my health issue, and was only granted until the next day the XXXX to make my payment. Due to hardship from health issues, I made a {$300.00} payment on XXXX @ XXXX, and the remaining {$160.00} on XXXX. So imagine my horror, when my aunt messaged me on XXXX to tell me that the car had been repossessed on XXXX. They said that because my account was a chargeoff account, that they will not, do not, and can not work with anyone, for any reason, not even a legitimate medical crisis. At one point, the representative told me that this could have been avoided if I had answered the phone on XXXX, but I informed her that I had XXXX on XXXX, and was under sedation. Not once did they ask to see my discharge paperwork. Not once did they show any effort to make an exception, care, or show any leniency, that because my payment was due on the XXXX, paid {$300.00} on the XXXX, and the remaining {$160.00} on the XXXX. I am completely disregarded, and now they are asking for {$1300.00}, or {$1500.00} to get the car back for my aunt. NO MEDICAL EXCEPTION OR CARE AT ALL. I understand being firm, strict, and the intent to collect a debt, especially on a circumstantial charge off account, but I am hugely upset in the lack of leniency for an actual XXXX emergency, especially with proof and documentation. Upon contact, I will share my medical documentation. Thank you.
01/15/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	IL 60638	Web
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bridgecrest ( formerly, XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) in relation to the inaccurate reporting of my car loan payments. I entered into a written agreement with Bridgecrest for a payment deferment on my car loan. However, despite this agreement, Bridgecrest has reported my loan payments as late to credit reporting agencies, causing damage to my credit score and hindering my ability to utilize the banking system fairly. In accordance with the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), Bridgecrest is required to report my loan payment history with accuracy and fairness, and to take appropriate steps to resolve any disputes regarding the completeness or accuracy of the information provided. Additionally, the FCBA, 15 U.S.C. 1666 ( a ), requires that credit card issuers and other creditors accurately report account information to credit reporting agencies. Furthermore, Bridgecrest is in violation of the FCRA, 15 U.S.C. 1681s-2 ( b ) ( 1 ) & ( 2 ) and FCBA, 15 U.S.C. 1666i, which indicate that upon a written and signed deferment agreement between the lender and borrower, the payment history is supposed to be current without any late payments. I respectfully request that the Consumer Financial Protection Bureau take immediate action to correct the inaccuracies on my credit report, and that Bridgecrest be held accountable for their failure to report my loan payments in accordance with the law. Specifically, I request that my credit report be updated to reflect the " current status- never late '' and that any late payment history be deleted from my credit report based on the deferment agreement. I look forward to your prompt attention to this matter and I am available to provide any additional information or documentation that may be required. Sincerely, XXXX XXXX
06/05/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	UT 84105	Web
I believe Bridgecrest has violated Regulation Z in multiple regards. 1 ) My minimum monthly payment is {$220.00}. I pay {$300.00} a month. I logged on to my account on the evening of XX/XX/2021 to find a late balance of {$16.00} on my account. Every payment has been processed on time and I did not receive a late payment notice, or even a payment due notice, for the {$16.00}. Because my minimum payment is {$70.00} lower than what I actually pay, the payments have all been accepted and cleared on time, and I was never notified of ANY payment due, I can not fathom what this charge was for. As I mentioned, I pay {$70.00} MORE than what is owed every month. Bridgecrest purports to charge me {$1.00} per day in interest. Unless the company is charging me nearly double in interest what they are legally bound to, this charge was illegally tendered. 2 ) There is no transparency regarding these loans. It is not possible to see on the website what charge the late balance pertains to, nor is it sent to me in a paper statement. There is also no way to see what monthly payments are attributed to ( principal or interest ). It is impossible to ascertain what the charges consist of or even what the outstanding balance on the account is. There is only a " Get a Payoff Quote '' button. A consumer can not see what they have paid or what they still owe. 3 ) I was not notified about this balance at any point. I found it by accident. Because Bridgecrest provides no details about the debt their consumers owe them, it is impossible to see what precipitated the balance. It is unclear whether it is one charge or many. 4 ) It is unclear whether the Amount Due balance is actually past due or is just designed to look that way. If it is the latter, it is clearly designed to falsely make consumers think their accounts are past due. This is an abusive practice and robs consumers of knowledge they need to allocate their payments as they choose to do.
01/28/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	AR XXXXX	Web
I have an existing auto loan through Bridgecrest LLC who finances on behalf of XXXX. I began the process of refinancing with XXXX XXXX XX/XX/XXXX. Bridgecrest charges daily interest and they have failed to send a copy of the title to XXXX XXXX despite repeated phone calls I have made and caused to be made regarding this issue. I have sent the new financier everything they need and thats all theyre waiting on, approval is subject to expiration by XX/XX/XXXX. Im being told that Im past due and in collections regarding the loan, which would not be the case had they honored my request in the first place so theyre now reporting a past due status and jeopardizing my ability to refinance entirely all to charge daily interest on the loan by delaying. XX/XX/XXXX XXXX XXXX They Disconnected as I waited on hold. XX/XX/XXXX XXXX XXXX They Disconnected as I waited on hold. XX/XX/XXXX XXXX XXXX ( 18 Minutes, ) was told theyd send a copy of the title to the new financier. Prior to these calls, I called XXXX customer service department to procure copy of the title and they reached out to their lender as proxy. I was sent a copy of the title of another persons vehicle divulging their personal information and not mine, further delaying. The new financier has reached out on XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX, they called Bridgecrest and sent me this message : the rep I spoke with on the XXXX submitted the request then. Not sure what happened to your requests but it should be here tomorrow. This morning, XX/XX/XXXX, I received an email from XXXX XXXX saying, Hi XXXX, If you get the title please send it over today. Once we have it we can go ahead and re-pull the credit to proceed. So Ill take another credit inquiry hit! Attached, please find the documents and personal information they sent me instead of the documents that pertained to my vehicle loan. Theyve disclosed someone elses protected information to me negligently.
01/31/2024	Yes	Money transfer, virtual currency, or money service Money order, traveler's check or cashier's check	Fraud or scam	GA 30008	Web
I am asking this company to provide proof they were not loaning out other peoples money and I am also requesting proof that they provided equal consideration in this contract. I am well aware that this consumer transaction was funded by my signature and my social security number which represents my unlimited source of credit that cant be denied. I am also requesting this company recognizes my right of subrogation in this matter and that they understand my rights to equity as I am the beneficial title holder of XXXX XXXX, which is its own corporation. The car is already paid when I signed the agreement. Recognizing my rights to equity in this matter should lead to a discharge of the debt, they continue to not address this part of my complaint and it is extremely frustrating. I know that federal reserve notes is a negotiable instrument, a promise to pay and 1099a or c is another negotiable instrument that is equivalent to federal reserve notes ( cash ) I ask to speak to someone in legal department who has a better understanding but they continue to send me to XXXX who says she doesnt have any understanding, nor does she work in the legal department. I am requesting to speak with an underwriter and to see the factors of why they can not discharge this debt. Bridgecrest did not provide me with any money in this contract because since XXXX and the federal reserve banking act there has been no money and we can not pay debt but only discharge it. This is my 3rd complaint because they continue to not address the issue. I will take my complaint to XXXX and the FDIC if this venue is not enough to settle these charges. XXXX XXXX is a corporation and I, XXXX XXXX XXXX XXXX, am surety, I need them to recognize my right to Life liberty and the pursuit of happiness as the reason I want my debt discharged. I am going to FDIC, the Federal Deposit Insurance Corporation if this venue can not help settle the charges.
03/02/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	KY 40218	Web
I purchased a XXXX XXXX XXXX from formally XXXX now Bridgecrest XX/XX/XXXX I made a down payment of {$2500.00} on XXXX dollar car which should have took my balance to {$8300.00} however I ended up with paperwork saying $ XXXX I made all of my payments on time until running into hardship with having to get the car fixed as well as the car was picked up and serviced for a recall I reported to XXXX after few weeks that I had began to smell gas fumes I didn't feel safe continuing to drive the car I asked to be assisted in getting another car or returning the car I was told by XXXX that I could return the car when I purchased it if I was unhappy with no further obligations due to begin a buy here pay here lot when I tried to do so while looking for another car due needing to continue to get to work bridgecrest would not work with me and told me the information that XXXX XXXX gave me was inaccurate and that I still needed to make payments on the car even when it was in the shop so after not getting help I decided to return the car on XX/XX/XXXX there were issues after another with this car I was sold a lemon after the car was return the car was resold without notice neither was I given a balance all warranty contracts were canceled in XX/XX/XXXX and money was applied back to the balance of the car. there is no way possible that I should owe $ XXXX own a car that I do not have and this was thrown on my credit report with out proper notice this is against the CFPB however on XX/XX/XXXX I requested a 10 day payoff to see what the balance was after canceling all the auxiliaries that was never told to me that i was purchasing until I read the paper work the balance came to XXXX on XX/XX/XXXX as I was still making payments on this car before returning prior to XX/XX/XXXX there is no way that this should be on my report nor should I owe them anything I have reached out and tried to resolve with no resolution.
01/20/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	VA 245XX	Web
I bought a car from XXXX 5 years ago and never missed a payment until XXXX closed down my XXXX They were supposedly working with me after my XXXX stay of 4 months where I was XXXX and have XXXX XXXX ( XXXX ). They decide to repo my car I was not late on then make me pay a large sum of money to get it back with all my personal belongings. I was at their mercy so I paid this amount. They blocked me from logging into my account or accessing any info. Afterwards I was told that they reported it to the credit bureau as a charge off which means they no longer are trying to get the funds right? Nope because I still have the loan as always making these higher payments with now no interest?!?! It has wrecked my credit and the amount it says I owe is so far from the truth! But do I owe it since its a charge off? They told me I now have to call the day its due and if Im even a minute late they are coming to get it. But wait I thought you werent interested in the loan repayment now? Car is still registered to me I carry insurance on it and make the payments not to mention i had a payment scheduled and talked with them. So what they get to write off the amount they say I still owe which is not correct at all and I still have to pay this amount even thought you charged it off? This company sees an opportunity to pick on sick people who cant afford attorneys, wreck their credit, lie about amounts due then block you from accessing any of your loan details. Not to mention Ive had this loan for 5 years and it was never on my credit report until now. So all the years of on time even early payments was never reported. I spoke with an attorney and a Judge and gave them all supporting evidence that this is not legal and they agreed. But I can not afford an Attorney not to mention every single day of my life is a fight for survival with a medical condition I didnt deserve. Everywhere I turn I cant seem to get help.
01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60525	Web	Servicemember
To Whom It May Concern : 1. Bridgecrest reported my account as XXXX days late for the month of XX/XX/XXXX. However, I scheduled an over the phone payment with Bridgecrest in XX/XX/XXXX, and Bridgecrest never executed the ACH transaction 2. I learned of this XXXX XXXX when I scheduled my XXXX payment online. 3. Upon learning this, I paid both the XXXX and XXXX payment. 4. I called Bridgecrest to notify them of the incident and respectfully asked them to remove the XXXX day late reporting, as it was not my fault that my account was not drafted. Bridgecrest declined recommended that I file a dispute. 5. XXXX XX/XX/XXXX, I filed a dispute with all three credit bureaus. 6. XXXX XX/XX/XXXX, Bridgecrest responds, but not only does it not remove the XXXX late reporting, it stated that I was XXXX days late for the XX/XX/XXXX payment. This is impossible as I made the payment on XX/XX/XXXX and today is XX/XX/XXXX. XXXX days have no exlapsed. 7. XX/XX/XXXX, I appeal the decision with XXXX, and Bridgecrest responds the same day with the same response as line item XXXX. 8. I respectfully ask that Bridgecrest remove all late reporting from my credit reports for the following reasons : 8a. I was late in XX/XX/XXXX, only because Bridgecrest called me to schedule a payment, and after we confirmed the payment was schedule, Bridgecrest failed to draft my account. 8b. The XXXX payment was not XXXX days late, and Bridgecrest is inaccurately reporting it as late even after I have requested it to correct this error XXXX times. 8c. Because Bridgecrest responded with inaccurate information after the original dispute AND because it failed to draft my account as schedule, which caused me to be late on the XX/XX/XXXX payment, all late reporting should be removed. The company has demonstrated an inability to be consistent and accurate, and I as the consumer should not be penalized for Bridgecrest 's mistakes.
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 483XX	Web
Dear Bridge Crest XXXX, I hope this letter finds you well. I am writing to express my deep dissatisfaction with the service I have received from your company, particularly in relation to inaccurate information being reported on my credit account and your refusal to provide an official title for the vehicle financed through your institution. I entered into a financial agreement with Bridge Crest XXXX for the financing of a vehicle, and unfortunately, my experience has been far from satisfactory. Despite my attempts to seek accurate information about my account, I have encountered numerous challenges. The information provided by your representatives has been inconsistent and, in some instances, outright false. This has not only caused confusion but has also had a detrimental impact on my XXXX XXXX. Furthermore, I am deeply concerned about the refusal of Bridge Crest XXXX to provide an official title for the vehicle as required by law. This lack of documentation not only poses legal issues but also raises questions about the transparency and compliance of your company with regulatory standards. I would appreciate your prompt attention to these matters. I kindly request the following actions be taken : A thorough investigation into the inaccuracies in the information reported on my credit account. Immediate correction of any inaccuracies found in my credit report resulting from misinformation provided by Bridge Crest XXXX. The provision of the official title for the vehicle in accordance with legal requirements. A written response addressing the concerns raised in this letter within 15 business days from the date of receipt. I believe that addressing these issues promptly and transparently is in the best interest of both parties involved. Failing to do so may compel me to escalate this matter to relevant regulatory authorities and seek legal advice to protect my rights as a consumer.
05/31/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AL 361XX	Web
U.S.C in Violations 1. Title 15 USC 689n ( a ) ( b ) Unlawful acts and Omissions, breach of fiduciary duty 2. Title 12 Ch.X Part 1006.34 ( a ) ( c ), c ( 2 ) ( v ), c ( 3 ) ( ii ) Validation Information Required 3. Title 18 USC 1001 a ( 1 ) Statements or entries in generally 4. Title 15 USC 1681s-2 ( a ) ( b ), ( f ) ( 2 ) ( b ) ( f ) ( 3 ) Responsibilities of Furnishers of information to consumer reporting agencies 5. Title 15 USC 1611 ( 1 ) Criminal liability for willful and knowing violation 6. Title 18 USC 242 Deprivation of rights under color of law Denied Rights to Discovery 7.Title 15 USC 1691 ( a ), ( a ) ( 3 ) Scope of Prohibition 8. Title 15 USC 1681o, ( a ), ( a ) ( 1 ) Civil Liability for negligent noncompliance Requested verification Information. 1. They did not produce a promissory note ; there was no verification. Noncompliance 2. Did they produce a contract signed by XXXX XXXX XXXX and by XXXX ; No verification or disclosure was provided. Noncompliance 3. Did they produce any verification of their claim ; affidavit/signed invoice was not provided willfully. 4. When asked who the original creditor was, did they state clearly whom it was and their address ; they willfully denied full disclosure and failed to give proper verification information. Noncompliance 5. There was no Unreserved acceptance by both parties. ( I reserved my rights to rescind ) 6. Was equal consideration exchanged? No disclosure or verification was given. 7. Have any other accounts been opened in my name at my address with or without my consent? No disclosure or verification was given. 8. They disclosed my personal information to consumer reporting agencies. They reported under three different names : one name per agency. Reporting unverified incorrect information causing damage. 9. Has the account been securitized? What is the Cusip-number? No disclosure or verification given. Noncompliance
05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78222	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. Account opened XX/XX/XXXX Estimated date of last payment XX/XX/XXXX As of XX/XX/XXXX the principal amount of {$11000.00} had been paid, remaining Principal Balance {$620.00}. Amount Due of {$140.00} Due on XX/XX/XXXX. As of XX/XX/XXXX the principal amount of XXXX had been paid, leaving a remaining balance of {$0.00}. Amount Due of XXXX. Due now. As of XX/XX/XXXX the was reporting payment overdue. Total amount Due. As of XX/XX/XXXX Total amount due is {$0.00} The full balance was paid in full as of XXXX. I was never late on any payments. I called to check the status on my title and was told I had a balance due of {$130.00}. I ask for them to mail me out a Invoice to reflect the amount due, this was agreed upon, so I waited and waited and waited, nothing was ever sent. I called over 20 times to figure the balance and to get something in writing, with no resolution. Why would I pay the loan completely off to then start missing payments, this doesn't make any sense. As of XXXX XXXX as 60 day past due alert was given and said that I owed {$300.00} pay by XX/XX/XXXX. I simply ask for a bill or something explaining this amount, but I was told there was not anything they could provide to me in writing. I expressed my concerns and ask if it could be something unofficial but I was never provided anything in writing and I was ask to pay the amount and dispute it later. I made a payment of {$130.00} on XX/XX/XXXX. My credit dropped XXXX points as a result of this.
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28214	Web
I leased a car with drive time in XXXX! I had an accident in XX/XX/XXXX, the car was totaled. In XXXX i signed a contract with XXXX to have gap insurance in my monthly payments. when the accident happened the company claimed they dont offer it anymore yet for some reason i was never notified of these changes and was still paying the fee of having it. The car was complete loss and i was in able to drive it i called my insurance they told me i had gap and to call them gap said i needed to call the insurance l. Both was giving a run around. I called XXXX XXXX and told them what happened and asked them to come get the car mind you it was the end of XXXX XXXX they said they would come get it but i still needed to make the monthly payment. i told them im not making the payments on a car i can not drive and got into a new car the same week. I called them the next day and told them to come get the car again. ( still XX/XX/XXXX ) they let the car sit in my driveway until XX/XX/XXXX and was marking missed monthly payment until they came and got it and even a month after they came and got it. this company has multiple lawsuits on them for fraud and scams and I fell victim to it as well. the account was closed on my credit and for some reason it is back open. I volunteered to give this car back being as they broke contract with gap insurance. it is listed as an involuntary repossession and multi- month missed payment. this is all inaccurate information the account was listed closed on my credit after a dispute in XXXX and now it was changed from repossession to unknown as well as it says i made a payment on it in XXXX this account is closed on all other credit reporting companies. im not sure why it is being able to reopen. I added up all the payment on this car from the old portal and it said i paid XXXX when i called they said that was just the interest i still owed XXXX which is unbelievable
10/11/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web
Upon looking at my credit file, Ive found some discrepancies that need to be addressed with urgency as it is causing a major negative impact to my credit report. Following my last complaint, this company still has not provided me with Legal Documentation to prove any of their claims. This company stated in a claim that the account in question was sold off at auction and a Explanation of Calculations of Surplus or Deficiency was sent. This is not my debt nor have I every received any of the letters they say were sent. I am requesting that they provide me with Legal Documentation of this NOI letter they stated was sent, along with the explanation of calculation of surplus or deficiency letter they also stated was sent that is suppose to outline the amount the car was auctioned for and the remaining balance that is owed. I stand on my original statement that this is not my debt. In the meantime, stop reporting to every credit reporting agency until the Legal Documentation is provided that this debt 100 percent accurate. The statement below is the statement that was issued during my last attempt to reconcile this issue. On XX/XX/2020, we recovered the vehicle due to non-payment. We sent XXXX XXXX a Notice of Disposition and Our Plan to sell the Property ( XXXX ) letter to her address on file. The XXXX letter outlined the total amount needed to reinstate or redeem the vehicle and explained the vehicle would be sold at auction if the account was not reinstated or redeemed. We also spoke directly to XXXX XXXX on XX/XX/XXXX and provided her with a reinstatement offer. On XX/XX/XXXX, with no payment received toward reinstatement, the vehicle sold at auction, and we applied the proceeds to the principal balance of XXXX XXXX account. We sent XXXX XXXX an Explanation of Calculation of Surplus or Deficiency letter to the address on file. The letter outlined the deficiency balance still owed.
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30224	Web
XXXX XXXX, is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
06/25/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 914XX	Web
Step 1 : What is this complaint about? Wrong information. Step 2 : What type of problem are you having? Reporting wrong information to credit bureau. Step 3 : What happened? They offered me to pay {$100.00} instead of $ XXXX monthly in the pandemic period, and promised it wont affect my credit, but they reported as a late payment. Step 4 : What company is this complaint about? Bridgecrest Step 5 : Who are the people involved? If you look through your website over 500 people involved with this. During the Pandemic, I lost my job. Meanwhile, I applied for unemployment, I called to the bridgecrest ( company for auto loan ) and explained my situation so they offered me the monthly plan XXXX {$100.00} per month XXXX instead of {$330.00}, which was lifesaving for me at the time. Before, I accepted the deal, had spoken to differ representatives several times and specifically asked them is this monthly plan would hurt my credit? And they said, '' no worries, as long as you pay on time, we wont report it. Unfortunately, 3 weeks ago, I found out that they reported as delinquent to the credit reporting bureaus, and my score dropped down 107 points!! I called them over 10 times and talked to the representatives and the customer relation departments but they didn't help me. I asked to talk to the manager or supervisor but they didnt connect me to them and promise me that one of the managers would call me but it never happened. Recorded call is existing for you to make sure it was bridgecrest companys mistake. This company mislead me by providing the wrong information and ruined my excellent credit score. During this pandemic, all other companies are helping customers but this company not only didn't help me, also made my life miserable. also attached bank statement and loan payments that you can see, I paid all previous payments on time and also paid {$100.00} on due dates.
01/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30318	Web
I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be there. Bridgecrest Credit Company LLC XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681a 2 ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( Bridgecrest ). Making the report is NOT INCLUDED on my consumer report! Debtor ( Bridgecrest ) issuing the auto loan is a transaction that is illegally reported on my consumer report by the person ( Bridgecrest ) making the report. CONGRESS clearly states that the reporting of Transactions or Experiences between the CONSUMER and the PERSON making the report should not be included on my consumer report! Bridgecrest HAS VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer reports which CONGRESS clearly states is NOT INCLUDED on my CONSUMER REPORTS. You have 10 calendar days to DELETE THE ACCOUNT ON MY CONSUMER REPORT AS THE ACCOUNT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT ACCORDING TO FEDERAL LAW UNDER THE FCRA. Failure to respond satisfactory with the deletion of the above account, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX
09/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
XX/XX/XXXX - XX/XX/XXXX overnight my vehicle was damaged in the hailstorm and I immediately contacted my insurance company and filed a claim the next morning XX/XX/XXXX. XX/XX/XXXX the insurance company representative came and inspected the vehicle and then, afterwards, on the same date made a settlement offer since the cost of repairs exceeded the value of the vehicle. XX/XX/XXXX I called Bridgecrest and asked the Bridgecrest employee for the payoff quote amount and the employee verbally said that the payoff quote amount is {$4300.00} and sent me the email with the same {$4300.00} payoff quote amount. The payoff quote period was from XX/XX/XXXX - XX/XX/XXXX. I forwarded the same email with the same payoff quote amount to the Insurance company and on XX/XX/XXXX the insurance company immediately sent the check # XXXX for the {$4300.00} payoff quote amount directly to Bridgecrest to their XXXX AZ address. Bri dgecrest received the check and did not apply the check to my loan account in a timely manner. And they did not update the account with the payoff check and did not report the account as paid in full to the Credit Bureaus. I called Bridgecrest and asked what happened to the check and why have they not applied the payoff check to my account ; I did not receive an explanation but they transferred me from one unhelpful employee to another unhelpful employee. And my issue was not resolved. Bridgecrest did not report the account as paid in full to the Credit Bureaus and they reported my loan account as late payment and delinquent. XX/XX/XXXX I filed disputes with XXXX ; and filed disputes with XXXX and XXXX and they did not conduct a proper investigation and they did not update my credit reports/files to remove the late payment, delinquency, any derogatory information from my report ; and, did not show the Bridgecrest account as being PAID IN FULL/SATISFACTORY.
08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 890XX	Web	Servicemember
I NEED COMPLAINT XXXX REOPENED This is NOT ok I have yet again called BRIDGECREST. Time and date stamp before their phone hung up on me : XX/XX/XXXX XXXX total of 14 min. Provided the information THEY asked of me to do in the previously filed CFPB complaint XXXX which was call them. Got some poor girl who answers calls, she listened to why I was calling, placed me on hold to speak with the Debt collection department. I assumed she was transferring me, she did not. She got back on the phone to say, they needed my updated address because the letter they mailed was sent to the wrong address. ( funny because I moved XX/XX/XXXX and have mail forwarding. I also just recieved a letter from them today dated XX/XX/XXXX for unknown reason.i will scan and upload here ) I again let her know that I was calling because THEY wished I call them again and the CFPB NOTE to speak them about a removal of the account in question for an goodwill gesture was from a XXXX XXXX She attempted to research their employee directory for this individual and said she doesnt exist in BRIDGECREST nor XXXX. So then I asked if she could just transfer me to that debit collection department that I kept being placed on hold so she could attempt to get an answer. I was told that they do not take public phone calls. THIS IS WHY CALLING THEM IS IMPOSSIBLE AND ITS EASIER TO EMAIL AND MAIL CORRESPONDENCE.I HAVE EVERY SINGLE LETTER THEY HAVE MAILED AS PROFF THAT THEY ARE GETTING MESSAGES FROM ME. So now what? I have been lied too, cheated, and harassed by BRIDGECREST. I demand a letter showing the deletion of this account within 5 days, email and mailed, or we will be filing suit. XX/XX/XXXX for multiple FRCA violations. They have yet again received my address, and also have my email address since I have XXXX emails from them as well. But here it is again. XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX
12/28/2021	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30106	Web
Account # : XXXX I have noticed several billing errors in the Truth-in-Lending disclosures section of the SIMPLE INTEREST RETAIL INSTALLMENT CONTRACT. The first one being the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of the amount financed. The {$700.00} cash payment is in violation of 7 CFR 1436.10 ( c ). The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors may be assumed to be a willful intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e. All debt obligations and securities are owed to the United States 18 U.S.C 8. Do NOT
10/19/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 161XX	Web	Older American
My husband bought a XXXX XXXX XXXX from XXXX with financing through Bridgecrest in XX/XX/XXXX. I was not a party to the loan. My husband was a couple payments behind when he passed away on XX/XX/XXXX of this year. On that same day a representative of Bridgecrest contacted me about the past due payments. I explained that my husband had died just hours earlier. She said if I didn't make a payment they would repossess the car immediately. I was overwhelmed and grief stricken and she said even though I wasn't on the loan paying them would give me time. I authorized a payment of {$290.00}. On XX/XX/XXXX I sent them a screenshot of my husband 's death certificate. The company then contacted me back and said they could no longer discuss the loan with me since my name wasn't on it. They told me if I wanted I could assume the loan but I had to get insurance and transfer the tags to me and provide personal documentation including income verification. They sent me paperwork that they said needed to be completed in 2 weeks. I contacted them on XXXX XXXX and told them I was unable to get the income verification done since Social Security and OPM ( my husband was retired government employee ) were backlogged due to COVID. They said I needed to give them more money for an extension so I authorized another payment of {$290.00}. They gave me another 10 days. On XX/XX/XXXX I called back to tell them I still didn't have the information. They said I had to make another payment so I authorized another {$290.00}. On XX/XX/XXXX Bridgecrest contacted me and said they wanted me to get more information that required me getting in touch with my husband 's daughters and getting them to sign off on the car. One of my stepdaughters was estranged from her father at his time of death and refused to speak to me. I purchased a car 2 days later. Bridgecrest repossessed the car a week later.
04/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AZ 85743	Web
I purchased my XXXX XXXX XXXX XXXX from XXXX on XX/XX/XXXX. Dealership is XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX, CA XXXX ; Stock Number XXXX. The total balance due was {$32000.00} and a Finance Charge of {$5200.00}. I went on Short Term XXXX towards the end of XX/XX/XXXX but still continued to make payments. The financing company is called Bridgecrest and the insurance company is called XXXX. I ran into some problems with my previous employer and my income stopped. I was liquidating investments and incurring massive debt. I reached out to Bridgecrest Customer Service on XX/XX/XXXX about the payments. I received an email on XX/XX/XXXX about calling customer service. However, no one answered my phone calls. Eventually, I went back to work and was able to continue payments. I was fired from my job in XXXX of XXXX and ran into income issues again. I reached out to Bridgecrest again about my income issues on XX/XX/XXXX and received an email on XX/XX/XXXX. I tried to continue making payments- as best as I could but it has become very difficult. I am waiting on my federal refund and informed Bridgecrest about my financial woes. I told customer service that I needed an extension on my payment plan and that I had lost my job. I was informed that the extension could not be allowed by their customer service representative - who sounded very XXXX and XXXX American. It also sounded as if someone else was telling him to say the things he was saying. I was informed that only after about 90 days, would they allow an extension- which sounded a bit strange to me. I am still receiving almost daily phone calls about my current balance due but Ive continued to make payments- with my limited resources. The current balance that is past due is {$900.00}. Ive also noticed that somehow the valuation on my car is now {$14000.00} trade-in-value according to a XXXX report on my car.
04/12/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30318	Web
Bridgecrest is in violation of federal law pursuant to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated. ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Communication is defined as ( 15 U.S. Code 1692a ( 2 ) ) ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. I the consumer have never given explicit written consent for Bridgecrest to " communicate '' or furnish an alleged debt on my consumer report. Consumer report is considered a " medium '' where information is furnished. I demand Bridgecrest cease and desist pursuant to federal law 15 usc 1692c ( c ). Bridgecrest is in violation if the account is continuing to report on my consumer reports and Bridgecrest does not have permissible purpose to report this account pursuant to 15 usc 1681b. Immediately remove from all consumer reports Bridgecrest Credit Company LLC XXXX.
03/29/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CT 06511	Web
On XX/XX/XXXX I reached out to Bridgecrest to notify them of payment arrangement I would like to make as I would be overseas for three months due to health issues. I was not in arrears at all at this time but foresaw the possibility of an issue as it was the height of Covid and XXXX was beginning to shut down. It was suggested I pay through the portal which I did. During my time overseas I contracted XXXX and was unable to return back to the states during which time I had to fund my own stay after a month of quarantine. On arrival back to the states Bridgecrest had called and refused to accept payment after two late months through their website and my bank registered through their payment portal. I portions of my balance several times and the amounts were returned. I was then penalized for non payment and told I could only pay with a debit card. My payments totaling {$2000.00} were in limbo between my bank and the Bridgecrest payment system and I was told to wait 10 days in order for my funds to return back to my bank account at which time I can only pay with card. During this time Bridgecrest repossesed the vehicle and rejected another payment I made through their portal and order to retrieve it. I believe Bridgecrest is acting in a harmful way in order to sell the property which is under contract with me and that I have been trying to make payments in good faith on in order to sell the vehicle at auction for a profit. I am employed and have been calling the recovery department since I have returned on XX/XX/2022. I want to be given a fair chance to repair my relationship with Bridgecrest, be given a chance retrieve my vehicle, and go about balancing out the loan. I do not want to be the victim of these aggressive practices that have put me under great financial strain, mental anguish, and confusion in attempts to communicate with them.
01/12/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX XXXXX	Web	Servicemember
I had been attempting to pay online after the account was about 60 days past due during the month of XXXX. However, due to Covid the company , XXXX XXXX, also known as Bridge Crest had certain departments closed and had forwarded my account in advance to their special debt department. I called several times to inquire on how to pay since my account t had been closed and blocked from online payments, only to be told that I would have to speak to another department. During these calls I attempted to make a payment and the collections department refused to take a payment without speaking to an agent in the specialty department. On one call the agent stated that she was new and didnt know how to inform me to pay. After an hour on the call she stated that I would need to negotiate my payments but would need to call back in order to do so. In the first week of XX/XX/2021, I called in again after noticing that the account was showing additionally delinquent in which it should not have. I once again had to argue and go back and forth and after an extended period on the call they finally allowed me to make a payment. Two weeks later I received a credit monitoring notice that the vehicle was a charge off as bad debt. On the call with the agent this was never explained to me. Additionally the debt was behind, but now where near 100 days. I asked specific questions on the phone and I was fraudulently lied to. I feel that the company acted in fraud and in doing so broke the law. Additionally I feel that the individuals and the company failed to meet their legal obligation and instead discriminated against me due to their hatred for me as an individual that use to be employed there. Furthermore, when I worked at BridgeCrest the CFPB regulations were violated without question and I am 100 percent certain that this is another circumstance of the same.
08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37130	Web
There are two companies reporting my information outside of compliance of the XXXX XXXX. ( Privacy under consumer financial information ) They are furnishing accounts on my credit report and did not give me the disclosures under 15 USC 6802 ( b ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. They were supposed to give me all three before furnishing my account info on my credit report. They never gave me the option to " opt-out '' of having my information reported. I have confronted Bridgecrest with letters asking for proof in the contractual terms and agreement or disclosure information and they failed to do so. I was only sent a copy of a contract with only XXXX disclosure which was a truth in lending disclosure about finance charge. The contract did not have any disclosure statement as instructed to be given to consumers under the XXXX XXXX XXXX XXXX. They only sent me a contract and a paper saying that my account has been verified. They are sending me what they want to send me and not honoring my request with what I asked for about the information they were supposed to provide me with. They are reporting my personal information with their own agenda. This is dishonorable to me and my family.
03/31/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CA 95835	Web	Servicemember
In XX/XX/2018, I paid my car loan off in full. Prior to paying the loan in full, I had been speaking with representatives at Bridgecrest regarding my account status. I initially requested that my late payment me pushed to the back of the loan. They denied my request multiple times stating I was not out of my hardship ( this was obviously untrue because I quickly paid the loan in full ). They then told me as long as I paid my account prior to the end of the month, I would not be considered late. I was told this multiple times and I recorded each phone call. I made my final payment prior to the end of XXXX as agreed, but Bridgecrest marked my account late in XXXX. I attempted to contact a supervisor in XXXX regarding the issue. He said he would listen to the recorded calls that Bridgecrest had on record and get back to me. I told him if he could not find them, I could provide my own personal phone calls. I never received an update. I called Bridgecrest and the supervisor directly for almost a month, received no update, no one even returned my phone calls. So I tried disputing through credit bureau, but Bridgecrest refused to update, XXXX refused to update, and each dispute I asked for where I could send my recorded calls for proof. I am trying again through CFPB. If someone would just listen to the recorded calls either from Bridgecrest or mine, they will here the reps say I always have until the end of the month to make a payment before I am considered late. Bridgecrest saw a customer in need, and denied them the opportunity to apply past due on back of loan, then reported me late after telling me I had until the end of the month. I have seen multiple complaints from other customers about how Bridgecrest has taken advantage of lendees in the exact same fashion. This is an extremely dirty business practice that needs to be addressed.
11/29/2018	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 302XX	Web
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.
11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19810	Web
I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 XXXX l ) to extend credit with Bridgecrest to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Bridgecrest has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Bridgecrest has violated my consumer rights : XXXX15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction XXXX15 USC 1601 ( a ) : XXXX makes it clear that consumer credit would be strengthen by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880 -15 USC 6802 ( b ) ( XXXX ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated XXXX parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( XXXX ) ( C ). -15 USC 1666 ( a ) ( XXXX ) I am aware that all extensions of credit are tied to my social security card and that the XXXX XXXX is obligated to all debts under 18 USC 8. Bridgecrest has illegally repossessed my vehicle to cause harm. They have also reported late payments to my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( XXXX ) documentary evidence under 15 USC 44 includes books of account.
03/09/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60619	Web	Servicemember
This is my formal complaint against BRIDGECREST CREDIT C : In regards to Acct # XXXX. On XX/XX/2020 this company whom I did not receive financing through, repossessed my vehicle during a global pandemic. They failed to provide me with documentation regarding the repossession as stated in 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. I want Bridgecrest to provide a copy of the original sales contract with my signature that states the vehicle was initially financed through their company. BridgeCrest also did not have my written consent to report this account on my consumer reports which is a direct violation PURSUANT TO 15 USC 1692 ( 4 ) THE TERM CREDITOR MEANS ANY PERSON WHO OFFERS OR EXTENDS CREDIT CREATING A DEBT PURSUANT TO 15 USC 1692 ( D THE TERM CREDIT CARD MEANS ANY CARD COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY PROPERTY, LABOR, OR SERVICES ON CREDIT NOTICE THAT I AM THE CONSUMER IN FACT, THE ORIGINAL CREDITOR PURSUANT TO 15 USC 1692 ( K ) ANY DEBT COLLECTOR WHO FAILS TO COMPLY WITH ANY PROVISION OF THIS SUBCHAPTER ( FDCPA ) WITH RESPECT TO ANY PERSON IS LIABLE TO SUCH PERSON IN AN AMOUNT EQUAL TO THE SUM OF WHICH I SUFFERED NUMEROUS XXXX XXXX, JOB LOSS, AND RUIN MY REPUTATION I DEMAND YOU PAY INVOCIE IN CHECK FOR VIOLATION UNDER THE FAIR DEBT COLLECTION PRACTICES AND PURSUANT TO 15 USC 1692 ( C ) ( C ) CEASE COMMUNICATION WITH ALL REGARDING THIS ACCOUNT AND BLOCK AND ZERO OUT THE BALANCE AMOUNT PLEASE ACT QUICKLY AND PROMPTLY! The credit card used in this matter was my social security card which I did not provide to BRIDGECREST!!! As a result of their failures I want this account DELETED from my consumer reports.
10/08/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PA 170XX	Web
I will be the first to admit I've had problems making timely payments and have received assistance before. However, COVID brought about an entirely new set of issues when I was first furloughed, and then diagnosed with XXXX. After a long period off and many days not even being able to work, I am finally back to work and able to maintain payments again. Bridgecrest set my car for repo last month. I paid {$320.00} at that time and my wife was told over the phone that after the {$320.00} was paid that we could work put a payment arrangement for the past due. That never came to fruitition and once again this month my car was placed for repo. I had applied for a private loan to help me cover the cost, so I set up payments online. I ended up not getting that loan so the payments bounced. Then this morning with no warning the repo man was in my neighborhood. My wife had the car at the store so he left. My wife called bridgecrest to try to get them to make good on their offer to work payments out with us due to covid, if we made last months payment. She was told no such courtesy will be extended. Because had problems in the past we are apparently not allowed to be affected by covid? Despite being 1st furloughed and then contracting the XXXX. We were told despite claims on the website and emails that no help is available. My wife asked to set an arrangement for the {$1000.00} past due to be paid on XX/XX/16 when I get my paycheck. She was declined. She was told {$320.00} today or the car gets picked up. Zero empathy, zero willingness to work with us on this issue caused by XXXX. Zero notice given that the car would be picked up today. Most companies are working with XXXX affected clients. But bridgecrests standpoint is that if you've had past problems with payments, you aren't entitled to have XXXX problems.
05/12/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76033	Web	Older American
I bought a car ( XXXX XXXX XXXX XXXX from XXXX. XXXX was Bridgecrest.I made my first payment on time to the address they gave me in XXXX, Az. Got a collection call that I was late. Sent proof of that check but was told it had to go to XXXX. I stopped pymt ( {$30.00} ) they were to reimburse me. Never happened. All pymts made after that. XXXX XXXX in XX/XX/XXXX. XXXX XXXX in XXXX. ( XXXX XXXX XXXX XXXX They sent payoff to Bridgecrest ( $ XXXX ) Bridgecrest said they never received it. They were told by Bridgecrest to send it to XXXX. Collection calls continued ... saying they will report me to credit bureau. Then I called them again and they said they have the check for payoff but it was {$120.00} short. XXXX in XXXX mailed them a check overnight for {$130.00}. This was XXXX ... XXXX XXXX is finance at XXXX ... XXXX The account with Bridgecrest still shows delinquent. No one can tell me if they got the {$130.00}. Check ..mailed to XXXX, Az. The contact person at Bridgecrest XXXX XXXX. Communication with this co. Has been hell. Threats to report me as delinquent, adding more interest. Checks still not applied as of today XX/XX/XXXX ... XXXX XXXX When I call the number for Bridgecrest, I get collectors. Not nice people at all. I have been harassed, humiliated, and now my credit may be ruined. They have the money for payoff ... in XXXX, Az. They say I cant talk to none in Accounting So I have no recourse other than to file a complaint. I will sue them if this goes against my credit. I sent them the tracking numbers, the check numbers from XXXX XXXX in XXXX. Need help. This company Bridgecrest has many complaints listed ... I wish I had checked before. This is XXXX finance company. My credit score is XXXX. Not bad. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX XXXX XXXX XXXX
09/26/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 45245	Web
In XXXX of XXXX. I purchased a car through XXXX, which is now Bridgecrest. I had no issues making my payments. In XXXX of XXXX. The car basically began to fall apart, XXXX issue after another, the alternator, the alternator electrical harness, the exhaust system, XXXX new tires, a transmission pump and an oil leak thus to date. I was contacted by Bridgecrest when I feel behind due to having paid over {$3000.00} in repairs just to keep this car on the road. Now mind you it is a XXXX XXXX XXXX and I am told I still owe XXXX after making two years of payments. I was invited to do a loan modification or basically add my payments on the end of my loan keep current. I signed up for that program, but the money never left my account. I filed a report with the XXXX and was contacted by a named named XXXX XXXX who stated he was with Bridgecrest customer service. He began by saying I have looked at your account and there is nothing I can do to help you, He was very condescending and just basically rude and pretty much I got the impression, I was somebody who was wasting his time. I finally said is there someone else I can speak with, and he yelled at me No, there is not, I am a supervisor and no one can help you!!! I called back after we hung up and got another person, I had her look at the notes and I inquired if there was someone I could speak with and if in fact XXXX XXXX was a supervisor, she replied I am sorry he is not. I said can you please pull the call record and I would like someone to help me. She advised that she would have a supervisor call me back immediately, which has never happened. All, I wanted, was them to make good on my modification to get my payments on track. Instead of wanting to help me or to even treat me like a human being. I was lied to and talked down to.
09/29/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91765	Web
I had a car loan with Bridgecrest. The car was totaled in XX/XX/XXXX, they were made aware of this. on XX/XX/XXXX they received {$14000.00} from my insurance, on XX/XX/XXXX they received payment from my warranty balance {$520.00}, on XX/XX/XXXX they received the GAP paid by XXXX {$2300.00}. Bridgecrest reported late payments for XXXX, XXXX, and XX/XX/XXXX after they received all payments prior to these dates. I called them XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about this issue. It took them until XX/XX/XXXX to get their accounting in order and update my account. If it is taking them that long to do their accounting I should have had to suffer with them violating my rights and destroying my credit. They even verified this inaccurate information to the credit bureaus the 3 times I have disputed this on XX/XX/XXXX, XX/XX/XXXX, XXXX. I recently needed to have emergency XXXX work, I applied for a loan and was denied due to their violations of my rights. I had to takeout money from my XXXX and pay a 10 % penalty also. I want them fined for reporting and verifying inaccurate information. And I would like some type of compensation for the money all of this has cost me, plus the fact that I have not been able to do what I need to do because my credit was destroyed by these 3 payments they continue to report. I have my account statement from Bridgecrest showing these payments and when they received them. Attached is the account statement sent to me by Bridgecrest showing all payments and when they were received. They received payments prior to XXXX, XXXX and XX/XX/XXXX and still reported late payments on my credit.
01/14/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	LA 70816	Web
On XX/XX/XXXX, I traded in a XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. I gave the dealership the pay off information for the XXXX XXXX XXXX with the company 's name which is Bridgecrest. When I was first contacted by Bridgecrest, I informed them the vehicle was traded in and it was in the hands of XXXX XXXX XXXX. I was asked by the caller if they were going to pay the vehicle off and I said yes they were. Then they pulled up my account and indeed saw a pay off request was done on the very day of the trade in. They also told me they would document the pay off date which was at the time good through XX/XX/XXXX. On XX/XX/XXXX, I was contacted again about payment and once again I told them the vehicle was traded in. As the caller went through my account, she indicated that XXXX XXXX did in fact contact them because they were sending them the pay off and the new pay off was good until XX/XX/XXXX. All I could tell them was ok but I no longer have the vehicle and if XXXX XXXX contacted you and told you they had the vehicle and they were paying it off, why call me? I was told I will still continue to receive phone calls until the pay off check was received. At this point, this is indeed harassment and it is illegal to harass someone after you were told and it's documented in the account that XXXX XXXX has the vehicle and they are sending you and pay off. Everyday, Bridgecrest continues to call and harass me and every single time, they indicate the vehicle is in the possession of XXXX XXXX and they are waiting for the pay off check but they have to continue to call me. No, you do not need to call me if the dealership told you they were paying it off and they are the ones in possession of this vehicle. I will be looking into speaking with an attorney regarding this harassment.
03/23/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IN 46342	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing this letter in response to the recent credit report I received that shows a debt allegedly owed to Bridgecrest XXXX I am requesting that you provide me with all legal documents that prove the validity of the debt in question. As a responsible consumer, I take my financial obligations seriously and I am willing to pay any legitimate debts that I owe. However, I can not do so without proof that the debt is valid and that I am responsible for it. I would like to point out that this account has been closed and the past reporting date has passed. Therefore, if you can not provide me with the requested documentation, I am requesting that you immediately remove this debt from my credit report. Under the Fair Credit Reporting Act, I have the right to request validation of the debt before it is reported on my credit report. Therefore, I am requesting that Bridgecrest provide me with the following documents : 1. The original creditor 's name and address 2. The account number associated with the debt 3. The date the debt was incurred 4. The amount of the debt, including any fees or interest charges 5. Any written agreements, contracts, or other legal documents that support the validity of the debt I request that this information be sent to me within 30 days of receiving this letter. If I do not receive this information within the specified time frame, I will assume that you are unable to provide the requested documentation and I am requesting the immediate removal of this debt from my credit report. I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. Sincerely, XXXX XXXX
10/20/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75050	Web
I am aware that my SSN belongs to the SSA ( Social Security Administration ) and anything purchased with that number is an obligation of the United States in accordance to 15 USC 8 and being that Bridgecrest is attempting to collect an alleged debt from I, the consumer makes them guilty and in violation of the False Claims act ( FCA ) 31 USC 3729-3733. Pursuant to 15 usc 1692 ( c ) I notified Bridegrest in writing refusing to pay the alleged debt and I demanded that they cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. The cease and desist letter was mailed out on XX/XX/2022, however, Bridgrest continues to harass and send me notices about this alleged debt via email and continue to report to consumer credit agencies ( proof is attached ) I also sent a debt validation notice requesting all documentary evidence and audit trail for this alleged debt on XX/XX/2022 and they have not sent over any of the requested information, other than a contract, which is not proper information required for the debt violation process. This is a violation of XXXX5 USC 1692g. ( debt validation letter attached ) Pursuant to 15 usc 1635 creditors must give the forms to exercise the right to rescind to the consumer and the right of rescission must be disclosed that the obligor has until midnight of the 3rd day from the date of the signed contract to rescind the contract. I do not have any forms in my contract for the right to rescind. This is a violation. Im aware that whoever willfully and knowingly gives false and inaccurate information or fails to provide information which he is required to disclose under the TILA shall be fined not more than {$5000.00} or imprisoned not more than 1 year, or both.
08/15/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL XXXXX	Web	Servicemember
I called Bridgecrest call center on XX/XX/19 and spoke with XXXX ( tax id ; XXXX ) in regards to assistance with my car note for the next two months as I am in between jobs. For over one year, I have paid my car note on time without any tardiness. However, the one time I need assistance while I find a new position ( I just accepted a new position with the start date of XX/XX/XXXX ), Im told that you all dont offer assistance. When I purchased my car with XXXX, NONE of the sales rep in XXXX vending machine stated I would never be able to get help. If they had, I would have taken the higher percentage with XXXX XXXX when they offered to finance my vehicles or used my current bank, XXXX XXXX, as they too offered financing. I contacted both the Bridgecrest CEO and the XXXX CEO. I never received a response from either company. Maybe the CEO 's dont know how it feels to be without employment since both of your backgrounds are very robust in entrepreneurship and investment ideas, but I need assistance. And I don't have that luxury nor am i living the good life. I live within my means and when I need help, I ask. So, Id like to know why am i not able to received payment assistance? Is it worth the car being repossessed? I mean if I file bankruptcy, the profit would still be lost. So, even though I would have to deal with a bankruptcy for seven years, it's better than dealing with a company who doesn't help their loyal customers. Ever since I got my car, I have referred SIX people, three of which also have cars from XXXX - XXXX XXXX, XXXX XXXX and XXXX XXXX. The other two - XXXX XXXX and XXXX XXXX - decided to use XXXX instead as XXXX was giving them both issues. The last guy, XXXX XXXX, has submitted a complaint as well about XXXX 's financing policies.
02/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29707	Web
I purchased a car from XXXX on XX/XX/XXXX. Monthly payments in the amount of {$320.00} have been made on time every month since XX/XX/XXXX to Bridgecrest who is the lender. My account has been ahead by 2 months since XXXX. My current payment is not due until XX/XX/XXXX. No payment has ever been late. Bridgecrest has inaccurately reported my account as 30 days late to the credit bureaus and posted late fees to my account. Please keep in mind that XXXX late payments have been made. Cases had to be opened with the CFPB as Bridgecrest was unwilling to correct the errors. When an on time monthly payment is made, the principle should decline every month. This would cause the interest to decline slightly monthly as well. My account is showing that the interest is not declining monthly, and in some instances increasing dramatically. I have attached examples of how the monthly payments are applied to principal and interest. The interest for the payment on XX/XX/XXXX ( {$170.00} ) is almost the same as the first payment ( {$160.00} ). No amortization table works that way. As the principal declines, so should said monthly interest. This account will be XXXX XXXX XXXX in XXXX of XXXX. I have contacted Bridgecrest numerous times to resolve. I recently spoke with XXXX who is a XXXX in the XXXX XXXX Department. She was to investigate and call me back. To date, no return call has been made. Bridgecrest will also claim that the amount of interest collected depends on when the payment is received, the payment is sent the same time every month and received within a few days. Bridgecrest will reverse the principal payment and apply as a normal payment 30 days later. This might be why the interest increases monthly. The amount of interest is all over the place.
03/10/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MD 21229	Web
I purchased a car from XXXX XXXX in XXXX, Maryland on XX/XX/XXXX. The dealership unfortunately did not track the first payoff for the XXXX financed by Bridgecrest sent on XX/XX/XXXX and sent the payoff to a Bridgecrest address but not the payoff address. Bridgecrest has no procedure on how to locate and process payoffs sent to the incorrect location. Additionally, when the dealership overnighted the second payoff to Bridgecrest on XX/XX/XXXX, Bridgecrest informed they're not obligated to process the payment for 1-2 business days. Bridgecrest received the payoff XXXX XXXX on XX/XX/XXXX. Bridgecrest stated the payoff needed to be posted by the XXXX to avoid the mark on my credit. Although Bridgecrest received the payoff on the XXXX, nothing was done with the payment until XX/XX/XXXX and posted XX/XX/XXXX. Bridgecrest stated they do not backdate payments to the date received. On XX/XX/XXXX I received a credit alert stating Bridgecrest marked my credit report 30 days late for the loan. Overall, Bridgecrest will not work with the dealership to rectify the mark on my credit as this is not an error on my part. Bridgecrest 's inability to correct an error that is not a direct result of the consumer 's negligence impacts me financially as my score has dropped XXXX points since their credit report update. My score drop can potentially have financial impacts to me as a result of higher priced loans, reduction in my available credit, and denial of financing in a time that it is critical to have life lines during the pandemic. Bridgecrest 's refusal to assist correct this error is unreasonable. Attached is the copy of the first payoff check and the tracking number for the second payoff check. Bridgecrest has a copy of the second check sent XXXX.
11/23/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32092	Web
Ive been disputing this account since XXXX of XXXX. This Bridgecrest account was removed from my XXXX & XXXX Credit report as of XX/XX/2021 because they did not provide the correct information according to State of Florida State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. nor did they provide this information in a timely manner. And also they were reporting inaccurate information to my credit report. Once I did receive this information in the mail it was all falsified and Re-typed information. I noticed they put a falsified electronic signature on the contract. They did not provide me with a copy of the ORIGINAL CONTRACT with a WRITTEN signature on it. I NEVER gave consent for them to use a electronic signature on my behalf. I also sent out Letters to XXXX and Bridgecrest asking them how they verified the debt around XX/XX/2021 Certified mail return receipt. Bridgecrest NEITHER company has responded and its been beyond 30 days! Nor did they respond with the correct information that I asked for which implies that they did not complete the investigation process correctly. I have attached pictures of the certified mail return receipts along with this complaint. The only responses ive received is them stating that they DID verify the debt but they did not tell me HOW they verified the debt. Please Delete the Bridgecrest account from my credit report as soon as possible! As it is hindering me greatly. I have attached pictures for proof of evert=ything ive stated in this complaint. i've also already filed an FTC affadavit against this account which ive included with report as well.
02/18/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 32221	Web
XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX. This vehicle was financed through Bridgecrest with GAP insurance through XXXX XXXX. XX/XX/XXXX I was struck by a deer on the way home that fully deployed all air bags on the right side of my SUV. That night I filed a claim with XXXX XXXX XXXX. The Following day I notified Bridgecrest regarding the accident and provided them with the claims number and other information. I was told that I did have GAP insurance and that they would file the claim. I would be told later in XXXX that the GAP claimed wouldn't be filed until XX/XX/XXXX. I received information that a check for {$12000.00} was sent XX/XX/XXXX, and Bridgecrest requested a 2nd check for {$180.00} on XX/XX/XXXX. Both checks would be held until XX/XX/XXXX. This resulted in a late payment. I was then notified that my GAP insurance claimed was submitted on XX/XX/XXXX and Funds was sent XX/XX/XXXX in the amount of {$3300.00}. That still to this day is not reflected in balance of the car. But this payment means the loan should have been paid in full for XXXX and XXXX. This is when I begin to panicked being that i had already invested so much money into rental cars. So I proceeded to Buy a car and had to go to an buy here pay here. Later I would find out that late payments had been attached to my credit report. after talking with XXXX XXXX I checked my account on Bridgecrest and saw that after I requested documentation, they was able to add it as pending to the account. When I called XXXX XXXX she told me the money hadn't been sent over and that it was there. When I informed her of what had occurred she was lost for words. Now I am in danger of losing my Binders fee and my house. At this point my anxiety is a level 1000.
12/09/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 37128	Web
I have been having my car payment auto-deducted from my checking account every 2 weeks for the past several years from XXXX. I recently paid off the vehicle last month. 2 weeks after the vehicle was paid for, I received another deduction from my account for a full payment. The last payment was overpaid by a little over {$20.00}, and XXXX ( Bridgecrest ) sent me the remainder before I even asked about it. Right before I received that check in the mail, I had this full payment auto deduction, and it has been a constant battle the past 2 weeks to try and get my money back. The company said they were sending me a check 2 weeks ago for the {$170.00}. I called back to check the status of this, and they said they never sent a check, as they were waiting for me to send a bank statement. This was not what I was told in the beginning or else I would have given them my bank statement. So I sent them the bank statement, and a lady said she would overnight my check to me. I have called back several times since then. It has been 3 days, and I have seen no check and after calling the lady all day today, all of a sudden I can not get a hold of her or anyone in management. I have NEVER had a late payment with this company, and I all I wanted was the money that they wrongfully withdrew from my account. I have taken time out of work, and family life to get this little money, and I have gotten nowhere. This company specializes with poor and no credit customers, and they think they can get away with this because we have no other options. As I paid 18 % interest with {$2200.00} down on a significantly overpriced vehicle, I will not be treated like a second class citizen by XXXX, Bridgecrest, or whatever else they want to call themselves.
09/02/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	TX 77070	Web	Servicemember
No personal information fue to my identity was stolen. I been going back in fourth with this company since XXXX. This has told on my mental health due to my disability. They constantly put remarks on my credit file Update : There's been a change to your BRIDGECREST CREDIT COMPANY.LLC account, XXXX. Tap for details. Update : There's been a change to your BRIDGECREST CREDIT COMPANY , LLC account, XXXX. Tap for details. Update : There's been a change to your BRIDGECREST CREDIT COMPANY.LLC account, XXXX. Tap for details. Update : There's been a change to your BRIDGECREST CREDIT COMPANY , LLC account, XXXX. Tap for details. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX { XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Constantly it went from XXXX now to XXXX. A new state law introduced in XXXX aims to protect people from zombie debt. It also requires debt buyers to provide written notice if they are taking action past the limitations period. The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.. Next I will be contacting FTC .and report the compay to Division of motorist services complaint affidavit. Seeking compensation due to humiliation and mental health damages. The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. XX/XX/XXXXXXXX XXXX
05/06/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	GA 30349	Web
I am reporting fraud and providing information and documents to support this situation. Also I have reached out to XXXX due to this document/contract claims and shows that it was recorded through their platform and sent with security email that shows at the top of contract/agreement. Also this fake finance contract shows that Bridgecrest is not attached to the document as the finance bank provider, it shows XXXX XXXX XXXX ga, with a guy name XXXX XXXX that signed the document and also forged my signature that I never signed, Bridgecrest is reporting this fake account on my consumer report as a auto loan, which is stated as a finance credit transaction instead on the contract, also RED FLAG signatures covers over lines and the same contract can be looked up online XXXX as copy view just like the one I have been sent. This is total embarrassment I have never did business with these people and Im suffering due to financial hardship and mental abuse, Due to this situation, at this point Im reeaching out for the last time to settle this with a reimbursement with cfpb witnessing these documents and if or your refusal of corporation of law. Below is document. Also XXXX refers me to they legal team, which Im not Doing I will go to my lawyers and through subpoena, to make sure I get justice for this corporate fraud. Also I requested for the original email from XXXX and XXXX can not provide it nor can find the original document that would not have copy view all over it meaning its a template sample that any person can buy. XXXX also verified the email was pulled up but it didnt show the sender information nor it showed my information only XXXX and my name only, no email from neither me or XXXX. The whole thing was a fraud
09/20/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 33624	Web
I initiated a Car Lease with XXXX in XXXX Fl. It had a 30 month lease. my payments were due on the XXXX and the last day of every month. My payments were {$210.00}. On XXXX XXXX, 2016 they only took XXXX 's of the payment that was due. So I called in to lease service to find out what happened. At the time they indicated that it was a computer glitch and I could pay the rest over the phone. My lease was up in t XXXX, so I decided to just pay it off early. I asked the rep to calculate a total balance that would bring my account to zero. took him 20+ minutes, but he finally came back with a balance of {$360.00} and some change. I paid it. On XXXX XXXX, I received a text indicating that my payment was due. I called into Customer service again. After waiting XXXX minutes they indicated that it was an error and I could disregard. That I had no more payments due and they would send me my title in XXXX6 weeks. XXXX XXXX, XXXX I received another text along with a loud ringing in my car stating that I was begind in my payment and that I needed to pay immediately, or they were going to come and ge the car. I called in again on XXXX XXXX, and now they are saying I owe them almost {$200.00}. They are stating that they never received my payment from XXXX XXXX. I asked them for an email address and fax number so I could send them proof of that payment. I spent all day sending it multiple times multiple ways and they are still claiming tht they never received anything from me. They have never indicated in the past 1 1/2 months that I was missing a payment. XXXXBridgecrest are trying to extort additional moneis from me without cause. I have proof valid confirmation that Bridcrest debited my account on XXXX for the XXXX payment.
01/13/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MD 21702	Web
The company Bridgecrest has repossessed my car without validating that the debt belongs to me. I had communicated with them over the phone and sent a certified mail addressing the need for them to verify the debt that they claim I allegedly owe. So now, I do not have my property, my car, as they illegally repossessed it. I received a mail saying that if I do not pay Bridgecrest, they will sell my car. According to 15 USC 1692G, it states that " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor '' I have not received either of the following from Bridgecrest, so they have violated this Congress law.
01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32218	Web
Hello I am sending you this message in hopes you can assist me with a problem I am having with Bridge Crest regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX Bridge crest sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a XXXX late to the credit bureau. I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX Bridgecrest reported a XXXX late to my credit bureaus. I am in the middle of a real estate transaction and the XXXX late cause a XXXX drop in my XXXX XXXX. I called the Customer Service Department of Bridgecrest and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported 30 days late and it would not be removed. t be removed. My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment of {$350.00} this email did not ask for XXXX car payments The email dated XXXX XXXX XXXX cleary asked for XXXX payment to be made before XXXX XXXX XXXX to avoid a XXXX late. I made a complete car loan payoff before XXXX XXXX XXXX, why is a car payoff treated any differently with Bridgecrest. I completed a payoff before XXXX XXXX XXXX well before XXXX XXXX XXXX there should be no XXXX late period ... .. whether payment or payoff.. I want this corrected immediately as its only fair, based on the email I recived from Bridgecrest on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. I will take legal action against Bridgecrest if this is not corrected with all three major credit bureaus.
12/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28803	Web
Hello, my name is XXXX XXXX and I have been having issues with my loan company account, Bridgecrest. Bridgecrest is a finance company for vehicle loans. I have reported to them that after I was in the hospital and returned home, that all of my information has been hacked. I have been trying to update my information with the company so that I can have access to my loan and make payments without any fraudulent activity. However, the company seems to have an account already connected to mine, despite me asking them to delete all accounts associated with me, XXXX XXXX. They have assured and reassured me, that all accounts have been removed on my end of the loan, but has not, because I have tried to login on an old email address which has acess to the account, which they say has been deleted, but has not, I have also been trying to resolve this issue for over two months now, currently, I have been told by bridgecrest that all accounts have been deleted except for the co-buyer 's, But I still don't have access to my account, and the website keeps saying there is an account already linked to any email I use with my social and date of birth, Unfortunately, every time I call, I am given the runaround, and told to wait for alot of days, with no resolution to my issue of resolvement to my account, If someone could please help me with this, that would be great. I can not even process payments on my side of the loan without it appearing as if someone else is doing so. My account information is also provided below also. Thank you. Primary Buyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/27/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 76116	Web	Servicemember
I made a payment back in XXXX, overage I thought but it wasn't applied to my regular payment schedule as I thought it would be. Next in XXXX right before a payment was due, I lost a second job helping with my expenditures for the summer as I have been able to try and maintain since a separation of my husband and myself. ( XXXX ). One payment was placed to the rear of the plan and I was able to catch up. I have been reading a bit of the payment information online and how they can help in life 's emergencies. I found other employment in XXXX, but trying to get back on track has been/ is hard. What's unacceptable and extremely hard to take are the DAILY/NIGHTLY calls they make even if I've given my paydates and every attempt to keep them informed or pay something. I know the vehicles are GPS equipped ... but let me walk in my house first before you call. Let me have an evening to myself after XXXX. These type aggressive approaches aren't necessary and I don't respond to harassing aggression and overly negative tones the caller usually have. Next, my husband and I purchased the vehicle XXXX. I haven't had too many issues just some days floated past the agreed upon due date but paid non the less, just now with the employment break and finding a new one has put me behind a couple of payments and husband and I have separated again so no extra help. Just the practices and thought of them calling references ESPECIALLY after we've talked and I haven't left the area breathes impatient unwarranted harassment. References spoke to people ( family ) known. Nothing their responsible for. Please check into the XXXX, Texas, or XXXX XXXX, Texas locations, etc and see if we can reach a medium. Thank you.
08/01/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IN 46410	Web
Bridgecrest has repeatedly failed to provide accurate information when I have requested help with my auto loan with them. The stress, frustration, and sheer anger I have experienced with them is BEYOND comprehension. Yesterday, I called to ask about payment options and that I could only complete one months payment. The rep pretty much ignored what I say and kept insisting and asking me OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER 2-3 times my payment. I am aware my account is past due and have been very transparent about why I fell behind. She quickly rambled off numbers at the speed of sound got snappy when I told her she needed to repeat everything she said. I asked about modifications and payment plans but was told I have {$900.00} in insufficient fund fees. {$900.00}!?!?! I asked if she meant NSF and she said no. I was puzzled because she was not explaining things to me in a way I could understand. I have not used my 6 modifications allowed the life of the loan or 2 per year. She kept pressing me about making a large payment on the phone with her at that very moment. If I am calling to ask for an extension, etc, that OBVIOUSLY means I wouldnt be able to pay the entire past due balance. I previously had a rep ask me REPEATEDLY if my baby daddy could help me with my payment because she heard kids in the background. B**ch, what?! I have NEVER dealt with such rude, disrespectful, inconsiderate, poorly trained people in my life until XX/XX/2020 when I doomed my sanity by entering into a death contract with Bridgecrest.
03/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	NC 28348	Web
I sought to purchase a vehicle due to my previous vehicle being wrecked. In doing so I opted to use the same dealer that I used prior. I searched XXXX inventory and found a car that I liked. At the time I was not prepared to purchase due to a lack of finance.During this time I was enlightened as to the laws of Truth and Lending and began discussion with the agent of XXXX. I was under the impression that as the contact made reference to Truth and lending that I would be able to forego a down payment.XXXX made reference to account validation and I knew that I had no funds to give a down payment.I was overjoyed when I was approved even though I had no money in my account. We sealed the offer and I began to deal with financing. The vehicle was delivered to my home and days later I began to receive calls about a Down payment. I attempted to communicate with XXXX about this matter to no avail. I contacted Bridgecrest Credit because my first payment was almost due. Upon talking to Bridgecrest I was told that XXXX placed a repossession order in effect for a {$2400.00} down payment. This tactic forced me to borrow {$2400.00} to keep the vehicle due to necessity. Consequently I am behind due to my repayment of the money that I borrowed and now Bridgecrest is continually threatening me with repossession for my late payments. I should not have to quote law because I know that businessmen know these laws before they underhandedly sell their cars.I want the {$2400.00} repaid to me or placed in honor of my obligatory payments for this vehicle.Thanks in advance for your assistance. I have no problem paying my payments, yet this act placed me behind not only on car payments but my personal bills as well.
07/14/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	TX 75237	Web
On XX/XX/XXXX I obtained a 10 day payoff quote amount from Bridgecrest in the amount of {$16000.00} for a XXXX XXXX XXXX, account number XXXX. I applied for a refinance loan through XXXX XXXX XXXX XXXX for this amount and was approved. I picked the check up on XX/XX/XXXX and called Bridgecrest and was told that the actual payoff amount was {$16000.00} and when asked for the info to pay the car off, I was given a XXXX XXXX XXXX send the check to. I sent the check via certified mail on XX/XX/XXXX with tracking number XXXX XXXX XXXX XXXX XXXX. The company says they didnt receive the payment until XX/XX/XXXX & posted it XX/XX/XXXX leaving a balance of XXXX on the account. When calling to ask why I had a balance when the woman that I spoke with on XX/XX/XXXX said that the payoff amount was actually cheaper than what I sent, I was given attitude and the run around, told that I cant speak with a supervisor and kept being placed on hold and passed around to escalations. So, finally I just requested the check to be sent back and was first told that it couldnt be done, then, after a long hold, was told that its a XXXX party check and theyll send it to them instead, even though the check was made out to me. I was told this after I told them Id rather take the check and purchase a new vehicle from someone else who values me as a customer and let them have their car back. I was also told by XXXX ( ID # XXXX that I cant give the car back. When looking into the matter I found that they arent supposed to send any refunds to a third party and theyre supposed to go off the post mark on the check and envelope. Once I found this, I asked them to pause on the refund until I filed my complaint with you guys.
02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32218	Web
I am sending you this message in hopes you can assist me with a problem I am having with Bridge Crest regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX Bridge crest sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a 30day late to the credit bureau. I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX Bridgecrest reported a 30day late to my credit bureaus. I was in the middle of a real estate transaction, i paid off my car loan with Bridgecrest before a 30day late. Bridge Crest reported the 30day late anyway. My score dropped XXXX with XXXX, XXXX points with XXXX and XXXX points with XXXX. I called the Customer Service Department of Bridgecrest and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported and would not be removed. My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment. why should a consumer be penalized with a 30day late for completing a car payoff before XXXX XXXX XXXX. I want this corrected immediately as it s only fair, based on the email I recived from Bridgecrest on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. My next course of action is the Federal Consumer Protection Bureau. To date my credit score was not corrected, the points I lost should have been recovered and my score should have been made whole. Instead Bridgecrest and the credit bureau continue to report a history with a final 60day late as of XX/XX/XXXX.
11/10/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78045	Web
. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Certified Mail tracking # XXXX of the last letter,
06/02/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	PA 152XX	Web
My loan company Bridge Crest is my Car loan financial institution. I strongly believe they are purposely tanking my Credit score. I have 3 to 4 Modification agreements since 2019. I believe instead of putting the Modification amount on the back end of the loan, they are forcing me to pay my car note 3x monthly. I also believe, they are over charging me with late payments which is tanking my credit score. I have asked them several times to put me on a monthly payment schedule, but for various inexcusable reasons they are not allowing it. When I pay my bill between the 3rd and the 6th of each month they are still charging by weekly and causing me to fall under late payments, in which they are charging me late fees 2x monthly. I have been paying monthly since XXXX of 2019 and since then they have failed to correct it as well as charging me other fees in which i know if i do owe for XXXX and XXXX of 202XXXX. I owe no more than {$300.00} in back payments, they have charged me XXXX XXXX XXXX $ and now almost a XXXX due to the fact that they are still ( charging me by weekly on top of my monthly payments. THEY WILL NOT FIX THE ISSUE... .... Someone has called me, i have tried to reach the person several times. During our first and only conversation i told them i would go through my bank statement in which i am not an account of any kind and it's difficult to get banks statements more than 5years old. I have called the customer service number various times, discussing the issue after talking to management to straighten out the situation, but they are lying about where these extra charges are coming from. I need an outside person to go over their books and correct the error.
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29115	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
12/12/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 77449	Web
I had a auto loan with Bridgecrest credit from XXXX XXXX Tx that I had started on XX/XX/XXXX for a XXXX XXXX XXXX. I had faithfully paid on time and never missed a payment on that loan and even for a short time after paid it until I was involved in a high speed accident with the car on XX/XX/XXXX a young gentleman ran a red light speeding and side impacted the vehicle. Once it was deemed a total loss I was told by my insurance company XXXX XXXX the car was no longer repairable and I had signed over a power of attorney for the ownership and loan of that vehicle to be paid in its entirety by XXXX XXXX XXXX and I also had purchased GAP insurance thru XXXX XXXX for the vehicle. I was no longer responsible for the vehicle or its loan and I had notified Bridgecrest of the situation in which they still held me liable for. My insurance company XXXX XXXX and XXXX XXXX both stalled on payments for the vehicle and incurred a 30 and 60 day late payment filed directly onto my credit report. I once again asked bridgecrest to please help me with this situation as I no longer owned that vehicle. They refused to help and insisted I still pay for a vehicle I legally no longer owned even though they knew my insurance companies were in the process of payments in full to the Bridgecrest institution. I had done everything legally by the number and was still punished and as of XX/XX/XXXX my credit report on all 3 credit bureaus is still showing a XXXX Dollar amount owned with both a 30 and 60 day late payment report. This has ruined my chances of obtaining another car loan or any loan for many years to come. Bridgecrest is a creditor I highly recommend staying away as far as possible from.
04/12/2021	No	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AR 723XX	Web
The vehicle in question was purchased and financed on XX/XX/2017 by BridgeCrest and was repossessed in the state of Oklahoma and sold by an unknown company on an unknown date. I was not notified about any of the above. I wasnt served certified or notified of any of the information. My credit report states it was an involuntary repossession with {$8900.00} owed Under the laws of Oklahoma and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have not received proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The alleged claim of a deficiency should be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports should be considered a violation of the FDCPA and FCRA. In addition, they have singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, at no point in time and under no circumstances is this company ; an employee of your company ; a representative for this company or affiliates to contact me or any family members by any means other than the US mail system.
12/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 296XX	Web	Older American, Servicemember
I am having difficulty with this company. On XXXX XXXX I found out where I was supposed to send the payments ( had to call them on the phone to get the mailing address ). I mailed them my first payment ( due on XXXX XX/XX/ ) on XXXX XX/XX/ after they REFUSED to accept payment VIA my credit card. They told me they would accept a debit card ( I do not have a debit card ). They are now claiming that they have not received the payment. I was told by one of their supervisors that it is illegal to pay credit with credit meaning that it is illegal to pay any debt with a credit card. I was NEVER told when I bought the car that my method of payment would be restricted and that they would NOT accept a credit card payment. If I would have had that information, I would NOT have bought this car. They are threatening to try and ruin my credit by reporting that I am more than 30 days late on my payment. I have excellent credit ( credit score is XXXX ) and I am not going to allow them to ruin my good credit. Based on not being told the restrictions on my paying for this car I feel that we never had a meeting of the minds, and I am requesting that this contract be voided, and I simply return the car and we go our separate ways. When I requested from Bridge crest which government agency that regulates their business the supervisor refused to provide me with that information. They told me to call XXXX which I did and XXXX told me to call Bridge crest. I have been on the phone for over 3 hours between these two companies and still no resolution is in sight. I am a XXXX XXXX and Retired XXXX XXXX. I am a XXXX XXXX, and I am not going to allow this company to try and ruin my credit.
07/09/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 303XX	Web
Dispute of Accounts Resulting from Identity Theft I am writing to formally dispute an account on my credit report that were opened as a result of identity theft. I have attached a copy of the police report regarding this matter for your reference. I request that you investigate and remove the following accounts from my credit report, as they are inaccurately reflecting my credit history : XXXX Account XXXX : XXXX XXXX : {$26000.00} This auto loan was fraudulently opened without my consent or knowledge. I have taken the necessary steps to report the identity theft to the relevant authorities, and the attached police report provides further evidence of the criminal activity that has affected my credit history. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I kindly request that you conduct a thorough investigation into these disputed accounts and promptly remove them from my credit report. I AM DEMANDING THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT! It is imperative that my credit history accurately reflects my responsible financial behavior and that I am not unfairly penalized for fraudulent activities beyond my control. I would appreciate your prompt attention to this matter. Please provide me with written confirmation of the investigation and any actions taken to rectify the inaccuracies on my credit report. Additionally, I request that you provide me with an updated copy of my credit report once these disputed accounts have been removed. Thank you for your assistance in resolving this matter. I look forward to a prompt and satisfactory resolution. Sincerely, XXXX XXXX XXXX
07/11/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TN 37660	Web
I had an auto loan with Bridgecrest, but refinanced it with XXXX XXXX XXXX. Bridgecrest was paid off on XX/XX/2022, but they will not release my title to XXXX XXXX XXXX. They have given several excuses : XXXX. The title is in a vault and it takes usually 10 days to retrieve it and mail it. XXXX. We failed to retrieve the title from the vault and dropped the ball, we are sorry. XXXX. We have the title but we need XXXX 's physical address in order to expedite it. I provided them XXXX 's physical address on XX/XX/2022. XXXX notified me today that they still have not received the title. XXXX XXXX, if I can not produce a title, they are increasing my interest rate to the maximum allowable rate. This is out of my control because I can't get Bridgecrest to cooperate. I am going to lose my low interest rate on my loan. Today, I reached back out to Bridgecrest. They informed me " We never mailed the title because we do not have it, but we can mail a lien release form so XXXX can go to the DMV and get the title their self ''. I spoke with XXXX and they won't do this, they said they have to have the title. Bridgecrest needs to release this title but I can not get them to and the excuses are always contradictory. I feel the Bridgecrest is retaliating because I refinanced with another bank and maybe trying to force me to finance the car with them if I am unable to produce the title to the new lender. I think this is unfair. Please help me get this matter resolved since Bridgecrest can not provide me with consistent answers as to where the title is, they will not mail it and they also keep telling me they will but then never call me to tell me there are problems.
04/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34653	Web	Servicemember
In XX/XX/2020, we missed a payment due to a some personal family issues. We calledBridgecrest when we realized we missed our XXXX payment and was set up on a payment plan to get us current. Our usual payment is {$410.00} a month but we paid {$510.00} per our payment agreement from XXXX to XXXX. On XX/XX/2020, we paid for a credit monitoring service through XXXX and found out Bridgecrest was listing us being late every month since XXXX. This is not true as we ONLY missed XXXX payment and set up a payment agreement with them and PAID it EVERY month. When I realized what they were doing I quickly paid the full amount due. I was never informed by Bridgecrest that my account would be reported late on this payment plan and I was actually lead to believe the opposite as they wanted to asure payment by scheduling a direct debit from my account every month. I agreed to it to protect my account and keep my credit in good standing. I contacted Bridgecrest several times to dispute the late payments as well as disputing it with the credit bureau. They are reporting that we have been consistently late for 5 months and reflecting we are not making payments as agreed, however, we are making a payment every month in accordance with our payment plan. Bridgecrest refuses to fix it and it is affecting our credit score and our ability to buy a house. We are looking into a class action lawsuit with our lawyer as many other customers have experienced the same unethical reporting practices of Bridgecrest. We would like our credit report to accurately reflect our payments and ONLY show we were late in XXXX and paid as agree from XXXX through XXXX as we have paid as agreed.
07/27/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 154XX	Web
I needed to buy a car so I went online through XXXX XXXX and they did my supposedly credit report online and my down payment was supposed to be {$990.00}. Went to XXXX XXXX XXXX location and it was a different story I had to put down a {$2700.00} down payment on a XXXX XXXX XXXX and that was purchased on XX/XX/XXXX of XXXX. So then I made my first payment two weeks in advance and then on the second payment I was going to make on this Friday which my second payment was I think 10 days past due and they came to repossess the car and they kept telling me what I talked to Bridgecrest because that's who it is financed through and then they tell me that it was in my contract that I would have to make the first the second payment on time which I kept reading through the contract and it does not say that and I told him that I was going to make the payment this Friday and they still came to repossess the car. And that they told me for me to get my car back I would have to pay the car completely off and then I would not be able to get my car back until 4 to 6 weeks after the fact that way they can inspect the car. When I first bought the car the car has paint chipping off. It has a major scratch that with the paint does peel off the primer is coming off with it there is also there is a shimmy the front left side of the car. And the back side by the both quarter panels one of the side and I do believe this the left side that is off by XXXX inches. And they are telling me that the car was never wrecked but I'm pretty sure the car was wrecked. But when I purchased a car they never told me that I would have to make the first and second payment on time.
04/03/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	KS 662XX	Web	Servicemember
Bridgecrest nor any of its DBA's/subsidiaries hold a Supervised Lender License as required by Kansas UCCC 16a-2-301 ( 1 ). In order to lawfully take assignment or service a loan, Bridgecrest must hold this licensure and be registered through NMLS, as well as through Kansas Office of the State Bank Commissioner. Bridgecrest has accessed my nonpublic personal information monthly to tarnish my reputation and coerce payment on an alleged debt that I do not owe nor was/is Bridgecrest properly licensed within my state to enforce any alleged rights within a Retail Installment Contract. Therefore, any relaying of information in conjunction with this allege retail installment contract is unlawful and void. If a lender takes assignment, it must file notification AND possess a supervised lender license as the Retail Installment Contract calls for a supervised loan bearing more than 12 % interest per annum. Bridgecrest has been requested to cease and desist all communication and delete this unlawful tradeline. Bridgecrest has not taken any of my requests seriously and continues to defame my character with its unlawful access to my credit file and furnishing libelous, derogatory information in which Bridgecrest has no authority. Bridgecrest has subsequently sold the unlawful contract to Persolve, who is also not licensed to collect or enforce supervised loans in Kansas. This is my last attempt to request the deletion of this improper and unlawful furnishing before litigating actions ensue. Please see the attachment from the OSBC Kansas Search Results invalidating any authority Bridgecrest alleges to have. A complaint with the OSBC has been filed also.
01/05/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NY 11201	Web
I bought a car from XXXX in XXXX of XXXX. I made a downpayment of {$9900.00} and financed the rest of the costs. On XX/XX/XXXX I signed a contract with XXXX setting up auto pay on the loan. I have included the entire contract, attached here. The relevant pages are XXXX and XXXX. On XX/XX/XXXX I received a confirmation from Bridgecrest, stating that the auto payment was set up. The email is titled " Enrollment in Bridgecrest Autopay. '' It was sent by Bridgecrest customer service. I have included a copy of the email, attached here. That's the last I heard from Bridgecrest. I see now that they never deducted any money from my account. They say they sent me emails regarding payments past due, but I did not receive them. Perhaps they went to my spam folder. On XX/XX/XXXX, Bridgecrest repossessed my car. They towed it off my street. I was stunned. I thought the car was stolen. I have a near perfect credit score. I've never missed a payment on anything. I've spent hours since trying to sort it out. First with the police, then with XXXX and Bridgecrest. Bridgecrest blames XXXX and XXXX blames Bridecrest. I would like Bridgecrest/Carvana to repair the damage done to my credit. I would like Bridgecrest/Carvana to contact all the relevant credit companies and to send me copies of letters sent. I would like the fees and fines I paid to Bridgecrest refunded to me. Additionally, I would like to be reimbursed for my time and travel. I had to travel from my apartment in XXXX to XXXX NY to retrieve my car. It took all day. My credit score, which was XXXX, is now XXXX. XXXX and Bridgecrest 's mistake could impact me for the rest of my life.
08/14/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	VA 23703	Web	Servicemember
I purchased a vehicle at XXXX in XXXX VA, I owned 4 other cars at that time and told the dealer salemen that I only need a XXXX for XXXX and XXXX XXXX. I told them I don't live in VA i have North Carolinia dirvers licesnse is that going to be a problem, I was told " no! ". It's obvious now they gave me the car and thought " 3 months later '' I'll drump though hoops. I didn't live in VA at the time of purchase my drivers license can prove this I had the car repossessed becaue I was told " I '' didn't register the car I can prove this I paid XXXX Tax and Tags I can prove this I currently on this day of XX/XX/2018 have a credit of over {$100.00} dollars I can prove this I tried to find a law that gives the lien holder the right to take the car under these circumstances I couldn't find any. I was told today I need to get VA dirvers licenses I can prove this also. I told " XXXX '' from XXXX XXXX XXXX can you ship the car to a XXXX location in N.C. and because it's now a problem and it wasn't them and have them register the car there and I'll pick it up. I was told no " you have to get a VA driver 's license, and hey all you have to do is do that and this matter is resolved ''. I then told her " I'm not getting a licesnse in VA it wasn't required when I brought this car and I don't live in VA ''. I also told her well a person can sign an agreement for a loan for 5 years and move! it not a crime to move or is it a problem at all to move when your financing a car. In addition once I obtain a VA license I'm admitting wrong! I'll have to send you a copy of all paper work. I would like you to publish this and us my name and info :
08/21/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	WA 98092	Web
I refinanced my car with XXXX XXXX and the payoff check has been sent in twice now, neither time has the check been cashed and I've received Calls demanding payment or telling me that my credit score will be compromised and my car repossessed despite the fact that the company is simply not cashing the buyout checks. The first buyout check was sent in XXXX, was not cashed and therefore after a month a stop payment was placed on that check. Another check was sent to them on XXXX and I have confirmed receipt on XXXX from my refinance company who has the tracking information from XXXX that it was delivered. I am told that the hold up is because my refinance company hasn't issued a new check which is false. I also was contacted by Bridgecrest to inform me that the check was received and that there was a {$140.00} or so difference between the check and the actual buyout amount which I paid over the phone and was told that my account was resolved. You can even see on my loan payment history that the buyout check was applied and then removed and further late fees were assessed after that happened as well. My refinance company tells me that they have a number of clients that this very same situation is happening to with regard to refinance from Bridgecrest specifically and frankly it feels like retaliation for refinancing my vehicle. I need this issue to be resolved with no detriment to my credit. I am being fed contradictory information from my original financer ( Bridgecrest ) and my new financer company ( XXXX XXXX ) is very frustrated at this situation as well as they are dealing with a number of accounts experiencing this exact issue.
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web
XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXXS CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BALANCE OF {$130.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX CLOSED ON XXXX XXXX XXXX XXXX CONTROL ORIGINAL CREDITOR : XXXX XXXX XXXX CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX BALANCE OF {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX BALANCE OF {$18000.00} To whom it XXXX concern : I have been contacted by your company about a debt you allege I owe. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. Enclosed will be a copy of my police report pertaining to the item supporting my position.
08/13/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33137	Web
I as the original creditor, the banks did not give me any notice that i can rescind or let me know we have the option to not let them report this on my credit report neither. 15 usc 6802 ( a ) opt out general a b & c. By law, insurance supposed to be included in all mortgages and car loans, 15 usc 1605 ( a ) # 5. Its against the law for banks to lend its credits anyway. Farmers & miners bank v. Bluefield Nat 'l bank 11 f 2d 83, 271 us 669. Their are many more violations. The banks have been getting away with it far too long now & they think we the consumers wont catch up with their financial fraud schemes. It's called promissory fraud. There is no money : read hJr 192. Every bill you get comes in a positive. They owe you when its in a negative. Everything is already paid for before you even signed anything. What they doing is illegal under art 1, sec 10, par 1 of the constitution. Their fraud makes the signature agreement null & void period. Fraud trumps any contract. And where is the banks signature? i never got the two copies of the rights i have so this is fraud. i am contacting the bank and gathering evidence for possible litigation. 12 CFR 226.15 - Right of rescission. i after sending you notice of Rescission will discontinue to make payments of the car. if this car is not removed from my credit report i will seek remedy for damages. i never gave Permissible purposes 15 U.S. Code 1681b - Permissible purposes of consumer reports to disclose any of this information on my credit report. there are many violations. i will be sending formal letters certified mail. CC : CFPB CC : FTC CC : ATTORNEY GENERAL OFFICE CC : XXXX
05/11/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	PA 185XX	Web
Last year and I got into an accident at the end of XXXX I got my car from XXXX in XXXX at the day after XXXX the accident happened XXXX until XXXX in the morning time lady ran a stop sign and she ran into me she was in a rental car and I was on my way to work my car was still running so they wanted me to take it to the body shop to get fixed. So they set me up appointment to take it to the body shop took it to the body shop it been in there for 45 days 43 days it supposed to be in there only for 40 days but the parts took a long time to get back so when they did get back they start taking off the parts and they seen that the shaft the arm shaft the XXXX holes up the engine frame the hood frame was bent so they deemed as a total loss I lost my car that day when he said that but I haven't been in compensated from actually getting a new car they just paid my car off {$12.00}, XXXX. Ever since then I've been calling XXXX I've been calling the department to ask them why they is that showing on my credit like that that's a lot of money y'all paid the car off y'all paid it off early for me I'm supposed to pay it off at 6 years with that happening I ain't got paid off in less than a year so every time I try to actually don't call around and look for a car it's still showing that it's still my credit on the site because it is still marks me as me having the car they want me to trade the car in for something else but I don't have the car no more so I'm asking you can y'all please help me resolve this and get this off my credit cuz this is the biggest loan that's hindering my credit and I got others I'm trying to get off as well
04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85286	Web
In XX/XX/XXXX, my daughter was involved in an accident. In XX/XX/XXXX, the car was determined to be a total loss through the at-fault party 's insurance carrier XXXX XXXX . The car, a XXXX XXXX XXXX, was financed with BridgecrestXXXX and there appeared to be an issue with the 1st check for the payoff as it was taking a while to be received. BridecrestXXXX, XXXX XXXX XXXX and I had a conference call and it was determined the check was sent to an incorrect address. BridgecrestXXXX provided a new address and suggested the previous check be cancelled. The 2nd check was received, loan paid off, and title issued to XXXX XXXX. On XX/XX/XXXX, I received a notification my credit score had changed and found BridecrestXXXX reported to all credit bureaus that I was 2 months behind on payments on the XXXX XXXX XXXX. I contacted BridgecrestXXXX and was told the check from XXXX XXXX had a stop payment on it and therefor, it was reported. I then contacted XXXX XXXX who said the 1st check had been canclled but a 2nd check was issued on XX/XX/XXXX and cashed by BridgecrestXXXX on XX/XX/XXXX. XXXX XXXX provided me and BridgecrestXXXX with a copy of the check ( front/back ) showing the 2nd check was received and the title was sent to XXXX XXXX on XX/XX/XXXX. BridgecrestXXXX is refusing to provide me with any updates, only telling me I need to call back. When I do call back, I have rehash this same story over and over and it appears they are dragging their feet even though all documentation has been provided to them. Also, this is ruining my credit and I was in the process of purchasing a home and now I have wait until this is all resolved.
08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89135	Web
from- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX Dear BRIDGECREST. Despite my attempt to get you to remove the late fees from my record, you refuse to. It appears that you are all extremely ignorant about consumer law or you are willfully refusing to comply. I once again refer you to -15 u.s.code 1681 ( a ) letting you know that late payments are illegal. I as a natural person, decide what is reported and not reported on my file, according to consumer law. I am the ORIGINAL CREDITOR : ONCE AGAIN - BRIDGCREST with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed additionally late payments are illegal and you are violating the right to my privacy. refer to 15 u.s.code 1681 ( a ). In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. You could have just deleted the illegal and unethical late payments and I would have been satisfied. But now due to the fact that you are affecting 35 % of my credit score negatively, you leave me no choice but to sue you. I will send you a certified mail- for the affidavit of support and invoice for all your violations. NOTE : Keep in mind that ARBITRATION will cost you an additional $ XXXX {$12000.00} in attorney and court fees so I suggest you pay up within 10 days upon receipt, or I will proceed as planned. Most sincerely, XXXX XXXX
05/14/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 11412	Web
I am so hurt and disgusted by XXXX/Bridgecrest. I was 28 days past due on my car loan payment and I intended to make a payment before the 30 days past due mark. I called in on the XX/XX/XXXX to make a payment but my phone call was interrupted by an incident in my home. The XX/XX/XXXX is when I became a victim of XXXX XXXX. I was XXXX and had to run from my home. I called in a few days later to make a payment and when I did, the representative said that there would not be a penalty other than a late fee but there would not be a late payment reported on my credit report due to this circumstance. A week later, I checked my credit report and a late payment was added to my account after I was already told that I wouldn't be penalized. I called in and asked why this happened and the 2nd representative told me that the 1st rep meant something different. The 1st rep was very clear in saying that if a payment was made the day that I made it, there would be no reporting of late payments to my credit report. The 2nd representative said that was a lie and refused to forward me to a manager. I FEEL LIKE I AM BEING PUNISHED FOR BEING A VICTIM OF XXXX XXXX. I also contacted them by way of email, explaining the situation and hoping I would get a call back and I didn't. I even offered to send the copy of my police report to them to show that it was not a made up story and they handled me terribly. Now this is hurting my credit and has severely lowered my score. I can not get an apartment or anywhere to stay due to my credit score dropping and it's affecting both me and my XXXX year old child who is also a victim in this situation.
04/26/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 305XX	Web	Servicemember
In XX/XX/XXXXwe purchased a XXXX XXXX XXXX XXXX from a company called XXXX. We had auto draft payments every 2 weeks. At one point we made a early payment and it automatically canceled out the auto payment for that week. Everything was going fine with the payments until the XX/XX/XXXX payment was due, first the loan was transferred to a company called Bridgecrest. I made another early payment on XX/XX/XXXX, and thought nothing about the auto draft payment stopping, because it had always dropped in the past. But for some reason the auto pay did not drop and I was charged twice, this was devastating to our checking account, because a domino affect happened where everything that tried to clear was charged an overdraft fee, we have payed around {$600.00} in service fees. We called Bridgecrest to talk to them about why they had taken an extra payment, and told them about the service fees. At first Bridgecrest denied any wrong doing. So I reached out to our prepaid legal services to see if they could help us, The lawyer was able to get the extra payment refunded back to us, but Bridgecrest still refuses to take responsibility for the service fees, our attorney has advised us to write this letter to you since there is nothing more they can do for us without spending money to go to court which we don't have. We have been living in the negative in our bank account since this has happened, been unable to pay bills, even our van could be repossessed if we don.t come up with another {$670.00} by the middle of XX/XX/XXXX, plus pay my cousin back {$660.00} by the XX/XX/XXXX as he helped stop total repossession of our van.
09/16/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	PA 15235	Web
XXXX/XXXX/XXXX payment sent in the amount of {$5600.00} to bridgecrest XXXX/XXXX/XXXX payment was reversed in the amount of {$5500.00} from bridgcrest XXXX/XXXX/XXXX payment sent in the amount of {$310.00} to bridgecrest XXXX/XXXX/XXXX payment reversed in the amount of {$290.00} i spoke with a CSR i was told they were unable to locate the account, i asked for an audit of transaction history for factual proof that my account was unable to be located because red flags were risen when the actual payment amount was not showing back on my account with bridgecrest if account was unable to be located, bridgecrest sent me an email with a legal document showing account history of the payments per my request after several attempts of me trying to get them to do so that did not adhere to the proper payment amount that was submitted by me.I told bridgecrest that i was aware of this being a situation that needed to be investigated at this point, i asked bridgecrest to tell me what the payment amount was for the dates XXXX/XXXX/XXXX made out by me and they CSR stated she sees in the system a payment of $ XXXX well as a reversal on XXXX/XXXX/XXXX in the amount of XXXX but in the legal document and on my account from bridgecrest it states the dollar amount of {$5500.00} just as the same for the payment on the XXXX for the amount of {$310.00} so at this point i told them i had no choice but to file a complaint because they are telling me that it just that no acount was found but if that was in fact true the audit of tranasaction history would reflect the actual dollar amount submitted for payment not another dollar amount.
05/30/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PA 15108	Web
In XXXX, I financed a XXXX XXXX XXXX via Bridgecrest Acceptance Corp XXXX XXXX ). I put down $ XXXX down on the vehicle. Throughout the life of the loan, I have encountered severe economic challenges due to hours reduced at work and illness. Bridgecrest has never helped with my situation, won't work with me and only a few days prior to my truck being repossessed, a local charity ( XXXX XXXX XXXX XXXX ) on a three-way phone call with myself attempted to pay {$1200.00} towards the loan- which would completely remove the repossession order. Bridgecrest refused to allow the charity to pay {$1200.00} via over the phone due to my ( XXXX XXXX ) history of bounced checks. After explaining to Bridgecrest that the payment would not be drafted from my checking account, but rather the charity 's business account they still refused to allow the payment via phone. Throughout this ordeal, " in an attempt to collect a debt '' Bridgecrest calls/texts/emails me multiple times a day. Bridgecrest told XXXX XXXX ( XXXX XXXX for XXXX XXXX XXXX XXXX ) that payment would only be accepted via US mail. On XX/XX/XXXX, XXXX sent Bridgecrest a check in the amount of {$1200.00}. As of today, Bridgecrest states that no check has been received. On XX/XX/XXXX, a new order of repossession was issued. I paid the car payment via online ; thus overdrawing my checking account by {$200.00}. Due to Bridgecrest 's refusal to help, refusal of payment via phone by a third-party business account and " missing check '' I am 100 % convinced they want to repossess the truck- due to the large of amount positive equity ( low miles, XXXX downpayment.
06/05/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AZ XXXXX	Web
On XX/XX/2020 I contacted Bridgecrest finance company to inquire about a payment deferment on my auto loan due to my employer reducing my salary amount in response to covid-19. My monthly payment amount is typically {$520.00}. I spoke with a man who stated Bridgecrest did not offer payment deferment but said they could offer to split the payment for the month of XXXX over a 5-month period, with the first payment of {$630.00} to be made on XX/XX/2020. The man I spoke to said that due to covid-19 and the reduction in my salary that missing the payment for the month of XXXX would NOT be reported to my credit, and the payment would not be considered delinquent. I then received an email from Bridgecrest stating that my payment was in fact being reported as delinquent if I did not make the payment for the month of XXXX immediately. I contacted Bridgecrest again as I believed the email I received was in error due to the agreement made over the phone on XXXX. After speaking to several people and having issues with getting them to return my calls, I finally spoke to a manager who told me that they would only dispute the negative report to my credit ( which had already been made ) if I made the payment for the month of XXXX immediately. They told me that after reviewing the recorded call, they would not be able to honor the agreement we had made over the phone even though they had heard what the man told me as their company does not have a policy for deferment. I have attached a screenshot of the text message I received showing the increase in my monthly payment, due to the deferred payment for the month of XXXX.
07/13/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30904	Web
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX - Loan Servicer Bridgecrest. My car insurance became unaffordable and I allowed it to lapse. After being pulled over for no car insurance on XX/XX/XXXX, my car was impounded. Reinstating my car insurance was unaffordable at that time and it took THREE MONTHS to get my car back. I allowed a voluntary repossession so that the impound lot ( XXXX XXXX XXXX ) wouldn't sell my car at auction ... But when Bridgecrest received my car, they almost immediately prepared it for auction. I was able to get the car back to the sum of {$2500.00} paid directly to Bridgecrest ; {$150.00} in XXXX fees to pick up the car, plus associated fees - tickets, fines, etc. Reinstating my loan raised my car note from {$190.00} bi-weekly to $ XXXX monthly. I had no other options. Also, I can no longer pay for free - there's a {$4.00} fee on top of this new payment amount. Recently, my payment was late. It was due on the XX/XX/XXXX and I got paid on the XX/XX/XXXX. I reached out online twice and spoke to no one. I was unable to pay online by XX/XX/XXXX. Less than 7 business days and ONE payment late, my car was repossessed. Now, they will not give me the car unless I pay {$1700.00}! I can't afford that! My car will again be taken to auction. Please help me get my car back. I've invested so much time, energy and money. They've been bullying me from the beginning, convincing me to do the voluntary repossession and setting it up for auction very quickly afterwards. Twice. There must be a way to get my car back - again ; it is ONE payment that was less than 7 business days late.
02/03/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 322XX	Web
Early in XXXX I received a call from Bridgecrest, my auto loan company in regards to the collection of the debt owed on my auto vehicle. I talked to them, explained my situation to them and attempted to find a solution in regards to the debt. It was later that day I received a second call from them. As I have already spoken with them, I knew I could not receive a second call for the day. I explain this to Bridgecrest who also attempted that I was not the first person who stated that. Towards the end of the month I received an other call from Bridgecrest in which I ask what they were going to do since they violated the rules in regards to debt collections. So stated she would research it and get back to me. I never heard back till XX/XX/27 where I was given the same story of we will research it. Then I XXXX I received another call but this time it was to inform me that they have researched the complaint I presented and found that on that day there was system issue which allowed Bridgecrest system to make multiply calls that day to customers even after they have already spoken to Bridgecrest. They wanted to call me to let me know that 1. they did call me twice in one day after making contact. 2. that this was an issue with there system on that day 3. they have corrected the issue 4. they are sorry 5. Not willing to do anything above and beyond an " I am sorry '' In conclusion, a violation has occured between myself and a debt collector. That violation was been reviewed by the debt collector and have admitted that they did in fact made a second call to me after contact with me once already in that day.
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20744	Web
I finance a XXXX XXXX XXXX with Bridgecrest as the finance company. I had the vehicle for almost 2 years and never had a missed payment. My suv was recently totaled loss on XX/XX/XXXX. The insurance company of the other driver accepted liability and issued a payment to Bridgecrest of XXXX. In the meantime as Bridgecrest was waiting to receive payment from the Insurance Company I continued to make my payments because I did not want to ruin my credit. I called Bridgecrest weekly to see if they received payment to avoid any issues because I would have continued to pay if has too. They had told me they received payment and to call back in a week. I was still able to check the account and when I did it showed that the check was posted and that I had a balance due of XXXX. I called and they said it was a mistake and to disregard they will fix it. The insurance company issued Bridgecrest a check on XX/XX/XXXX paying more than what I owed on the suv leaving bridgecrest to issue me a payment from the account having an overpayment of {$140.00}. On XXXX I received a credit alert from experian that I have a paid/closed account with a 30 day late payment. This hurt my credit very bad. On XXXX is when I received my alerts from XXXX and XXXX showing the same thing. I called Bridgecrest to speak with someone who told me that they will fix the error and it can take up to 90 days. I am not understanding why I have to wait almost three months for a mistake made on their behalf. I am in the process of buying a house and now I have this huge problem that I didnt create. My scores drop 40-51 points from each bureau.
12/22/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IA 50021	Web
I bought this vehicle from XXXX on XX/XX/XXXX I was XXXX and went to XXXX XX/XX/XXXX and got out XX/XX/XXXX I contacted the bank immediately and tried to make payment arrangements they said that they wrote off the debt as bad there and that I could no longer make payments on the loan. I know there was no right to cure sent to my address I have Usps informed delivery and I have went though every day looking for it. The car was eventually repoed since they refused to work with me and again I did not get any notice of intent to sale or right to fix transactions. When I called about the car they said they sent a certified letter of intent to sale to XXXX XXXX XXXX XXXX XXXX Iowa. This is my grandmothers house and she has received no mail for me she has lived there for 50 years and gets her mail daily. lastly the vehicle was sold for XXXX thats a rough figure I just seen that amount drop on the balance on my credit report. According to XXXX the cars value was well over XXXX to XXXX and if you take into the damage on the door it would take it to XXXX to XXXX so they also didnt get fair market value by XXXX to XXXX. I paid XXXX So we have several violations of Iowa state law. No right to cure was sent. I can prove that by proving Usps mail emails. No notice of intent to sale the vehicle was sent. I can prove this with my grandmothers affidavit when I asked for the tracking number for the certified letter she couldnt find it. Lastly the vehicle was not sold in a reasonable matter. Way under value. Also Im still waiting on the bill of sale and my property which I requested from the vehicle.
04/13/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA XXXXX	Web
I filed a previous complaint # XXXX w/CFPB against BridgeCrest regarding erroneous credit reporting to the 3 credit bureaus. BridgeCrest stated in their response that they would remove the delinquent mark from my credit report. They failed to remove the delinquent mark. I filed a dispute w/ the 3 bureaus. The investigation was completed when BridgeCrest verified the delinquencies. BridgeCrest violated the FCRA by re-aging the account and reporting it to XXXX XXXX and XXXX. They also violated the FCRA by verifying inaccurate information. By them updating the bureaus to report the Date of First Delinquency was XX/XX/2020, this created a severe negative impact on my credit. It also extended the 7 year period the delinquent account remains on my credit. When the bureaus investigated the inaccuracies BridgeCrest failed to correct the errors through a legally required proper investigation. They instead verified wrong information and confirmed their illegal act of re-aging an account. I included 6 attachments to prove my claim. 1 ). Bridgecrest CFPB Response - is the document to where Bridgecrest stated they will correct the error. The statement is highlighted in yellow. 2 ). XXXX Bridgecrest Tradeline Pages 1-2 - Give evidence to the erroneous reporting. Please notice ( on pg2 ) Date of First Delinquency, Last Payment, and the day the account was closed was reported as XX/XX/2020. I believe this was a vindictive act. 3 ) .XXXX XXXX XXXX XXXX Evidence Bridgecrest Verified the inaccurate reporting. 4 ). XXXX XXXX XXXX - Evidence Bridgecrest Verified the inaccurate reporting.
09/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33615	Web
I am filing a complaint because I believe that Bridgecrest breached our legally binding agreement and violated my rights have been violated under the FCRA. I had a loan with Bridgecrest for a XXXX XXXX XXXX and I purchased a GAP insurance policy with a company also owned by Bridgecrest. I was involved in a car accident on XX/XX/XXXX that resulted in the XXXX being deemed a total loss. I know for a fact that on XX/XX/XXXX XXXX paid out the claim to Bridgecrest. On or about XX/XX/XXXX I was told by an agent of Bridgecrest that the remaining balance would be paid out by my GAP insurance policy. In XXXX of XXXX I was made aware that the GAP policy had only paid less than half of the remaining balance and that Bridgecrest immediately charged-off the remaining amount without ever making any attempt to collect on the debt or notify me that any balance was left. I was lied to by the agent and my policy that I paid for did not pay out what I was owed. This has done significant damage to my credit and has defamed my character to banking institutions and lenders. It makes me look as if I dont pay my debts, even though the debt should have been paid in full immediately after the accident. I was denied a bank account due to this inaccurate reporting and my reputation has been tarnished with this institution. I am asking that Bridgecrest be made to honor the contractual agreement that we made and delete this inaccurate account from my credit reports. If this matter is not resolved quickly, I will be seeking legal action against Bridgecrest for Defamation of Character and Breach of Contract.
02/28/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 90301	Web
BRIDGECREST Acceptance Corp has committed fraud, theft and unlawful repossession, and extortion along with mail fraud amongst violating Regulation Z, FDCPA, TILA, EFTA, ECOA, Collection of extensions of credit by extortionate means. BRIDGECREST Acceptance corp also has committed identity theft for the alleged car loan, which is a fraudulent loan using my identifying information along with my credit card. BRIDGECREST Acceptance corp claims to have lend me money or lend me credit for the purchase of my vehicle, when in fact federal law proves they haven't and can not legally or lawfully according 12 usc 1431. This vehicle was purchased on credit during a consumer credit transaction which BRIDGECREST Acceptance Corp fraudulently misrepresented as a alleged car loan. BRIDGECREST Acceptance Corp is not a financial institution, it is a debt collector and has committed larceny stealing my vehicle and extortion demanding I pay the alleged debt in full to get my vehicle back before BRIDGECREST Acceptance Corp sells my vehicle. BRIDGECREST Acceptance Corp used a unauthorized third party to steal my property and has not revealed where my stolen property is being kept.BRIDGECREST Acceptance Corp is not a creditor it is a assignee of the alleged contract which was fraudulently concealed as a loan .BRIDGECREST Acceptance Corp is criminally liable for knowingly and willfully giving false information in regards to Truth in Lending Act disclosures about the alleged required down payment of {$2600.00} cash which was fraudulent and intended to deceive me and violated 15 usc 1605a Finance Charge.
06/29/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 78628	Web
This company XXXX XXXX XXXX is trying to collect {$16000.00} from me for a bill they claim I owe. They purchased this debt from XXXX XXXX with whom I have already contacted and they removed the item from my credit report. XXXX XXXX XXXX is now trying to collect {$16000.00} for a car that BRIDGECREST FINANCIAL sold at auction 5 years ago.BRIDGECREST FINANCIAL DELETED THIS ITEM FROM MY CREDIT REPORT and now XXXX XXXX XXXX is trying to collect a debt on a car which I no longer own and for which the account has long been settled between myself and the original creditor I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
10/16/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA XXXXX	Web	Servicemember
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.
08/06/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NJ 07960	Web
I purchased a vehicle in XXXX and financed a car loan with Bridgecrest ( through XXXX ) I made every payment on time and in XX/XX/XXXX decided to sell the car back to them ( it was a second car ) XXXX picked up the vehicle on XX/XX/XXXX and I was assured they would pay the loan balance ( along with a cashiers check that I gave them for {$1800.00} which satisfied the difference due on the loan from their offer ). They encouraged me to make the XX/XX/XXXX payment on the loan, which I did, and explained that this overpayment would be quickly refunded to me within XXXX weeks. ( I was concerned that Bridgecrest would report the loan as delinquent if it went past the due date before they paid off Bridgecrest ). I received an email on XX/XX/XXXX from Bridgecrest that my loan was Paid in Full and closed but with no mention of my overpayment or refund. As of XX/XX/XXXX I have yet to receive the refund ( approx. {$420.00} ) and have contacted Bridgecrest 6 times. In addition, they have wiped out my loan account on their website so I can not check the status. Each time I call I am given a different excuse as to why they are holding onto my refund : It takes XXXX months for a refund, The refund was processed on XX/XX/XXXX, The refund was processed on XX/XX/XXXX, U.S. Mail can take 30-60 days to go from Arizona to New Jersey Out team is working on it - and on and on. A consumer law states that a car loan company has 7-10 business days to refund an overpayment on an account. Bridgecrest is not a reputable company and my money is being withheld from this shady company!
12/01/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 78154	Web	Servicemember
I have filed ( XXXX ) prior complaints about this debt collector already and now they are retaliating against me. This debt what paid by the XXXX insurance policy that was built into the loan for the vehicle purchase. However, it appears that this company filed a debt claim against me on XX/XX/XXXX and received a default judgement against me on XX/XX/XXXX in XXXX XXXX, Texas at the XXXX of the XXXX XXXXXXXX XXXX XXXX. The problem with this is I have not lived in that precinct since XX/XX/XXXX and did not receive service in order to respond. They requested for alternative service, which I presume was either posted on my door or by certified mail at a residence in which I know longer lived and have an termination of my lease agreement from the residence that was in the applicable precinct to verify such. Additionally, since filing complaints with the CFPB regarding this account, this company is retaliating against me and has since requested to seize any non exempt property that I have to make good on the absurd default judgement, which was filed on XX/XX/XXXX! This company should have never been granted a judgement in the first place, as I was not served. This is unacceptable, unprofessional, and illegal! I am XXXX XXXX XXXXXXXX and receivXXXX XXXX XXXX and am on a XXXX XXXX while also being fully financially responsible for ( XXXX ) children. I do not have any non-exempt property and this company is pursuing a debt in a court where I do not live. I will be filing a complaint with the bar association against the attorney who filed these actions as well!
12/30/2021	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	CA 94510	Web
On XX/XX/21 I was in an accident and my vehicle was deemed a total loss. While working with the GAP coverage policy holder ( XXXX ) I was given a list of items I needed to obtain from the finance company and the insurance company. I received the documents from XXXX with no problems or questions. Bridgecrest on the other hand has yet to comply with any one of the requests for these documents. Bridgecrest did provide one of the requested documents on XX/XX/21 I received a 10-day pay off letter. In this letter it states " After the date ( XX/XX/21 ) the account accrues interest in the amount of {$10.00} per day. '' All the parties involved, aside from Bridgecrest have complied with my requests and provided me with all documents requested. On XX/XX/21 my car payment of {$450.00} is due and the {$10.00} interest begins to acrue. Why would Bridgecrest try to assist in getting this total loss claim filed and processed? Because they would loose money. Not only would they be loosing out on the extra daily interest, they would be loosing out on the {$450.00} a month. If I had received these documents from Bridgecrest, the GAP coverage claim would be closed, just like the Total Loss Claim from XXXX. Which would in turn bring my balance to {$0.00} and finalize the Bridgecrest payoff. Bridgecrest has tried to ensure that ANY overpayment made will be evaluated and if it is determined a refund is owed, Bridgecrest will process the overpayment. How am I suppose to believe this, especially when they refuse to send me the documents to process a total loss claim?
03/29/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IA 503XX	Web
I first purchased a car with low credit score I paid on that car every month on time for a year the company that sold it to me knew there was something wrong with it and sold it to me anyways well that company owns the finance company who gave me a high interest rate when the car was totaled because of the problems my insurance and the gap insurance paid off the vehicle plus the money I have been paying every month in total I paid too much because if the car was paid off three years early why did I pay the full amount of the whole term why didnt I get my tax title license why did XXXX get my packages that I purchased for the car back nothing I received nothing so they got paid too much money I receive nothing then I get another car from them with no money down because the first one was totaled they never ran my credit they just gave me two point better score than the first time the first car it was at 21 % interest second car 19 percent interest So originally I was XXXX Everything said and done XXXX when everything said and done at the end of the term Im gon na be paying {$35000.00} for a car thats worth {$4000.00} right now bluebook but they wont fix the interest rate even though they didnt run my credit even though my score was 150 points better than the previous vehicle I dont feel like thats fair I think is unjust and its probably breaking several violations and laws The car was purchased to XXXX XXXX which is the sister company of Bridgecrest which I believe owns the gap insurance company all are owned I believe is the ugly duckling corporation
08/03/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 76028	Web
Bridgecrest calls me up to 10 times a day and has now started calling my work after I asked them not to. I recently got behind on my car payments and contacted the company to make payment arrangements. I was told that it was pay or else. I have also been told that they will move one of the payments to the end of my loan and they do n't ever do it. They send emails saying they will work with me if I call them but, when I call them they tell me there is nothing they can do. Below is the email that I sent to them on XXXX/XXXX/2016 DO NOT EVER CALL ME AT WORK. You tell me you will work with me on payments and that is a lie, all you do is tell me that I need to schedule a payment and I ca n't do that unless there is money in my bank account. You have told me that you will move one of my payments to the end of the term and that is a lie as well. I was also making extra payments that were suppose to catch me up, and found out later that you decided to just apply that to my interest ( I 'm assuming so you could keep me behind ). I have stayed in contact with you guys when this first got behind and tried to resolve it then, and was told there was nothing you can do other than schedule a payment to come out of my account. I have had XXXX cars with your company and have n't ever been behind until last year when I lost my job and yet again all I was told was sorry, there is nothing we can do. I spoke very highly of your company until I tried to resolve this issue and was given a pay or else option. I will hopefully make another payment by the end of the week.
01/03/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 189XX	Web
I made 3 payments of {$420.00} each on the due dates for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The website showed most of the payments each month went toward principal, however I called XXXX today because the dashboard was confusing - indicating my payment of {$100.00} was not due until XX/XX/XXXX ( skipping XX/XX/XXXX payment ). According to the Rep and Manager, their computer did not show any pay-down on principal. Rather, it showed only paid-ahead status and told me that I should've called to ask them to apply the over-payments in a specific way. In no way or form was it ever communicated to me that I needed to do this extra step ( and each month going forward! ). Also, it is extremely misleading to show a pay-down on principal only to be inaccurate when I called. A normal and reasonable consumer would think the website is accurate and continue making payments, which is what I did until today ( via AutoPay ). For example, my {$420.00} payment for XX/XX/XXXX showed {$300.00} to principal and {$110.00} to interest. The XX/XX/XXXX payment had {$310.00} to principal and {$100.00} to interest. The XX/XX/XXXX payment had {$310.00} to principal and {$100.00} to interest. The manager attempted to fudge the simple interest loan information and claim that I did not know what I was talking about and it did not matter whether I paid in XX/XX/XXXXor all now, the benefit would be the same. This is clearly not the case because if the remaining principal was lower in XX/XX/XXXX, I would've owed less interest for the XX/XX/XXXX payment, and so forth.
03/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WI 53704	Web
I received an alert on my credit report statement saying I am 30 days delinquent on my account in the amount of {$590.00} from Bridgecrest car loan company so I called them about it. When I called I asked why this was being reported I was told that I had a amount pass due of {$65.00} that is why it was reported. Even though my payment are not due until the XXXX of each month and was reported on the XXXX of XXXX but did not receive alert until today about the late payment being reported. I have never be 30 days late if my payments at all and in the app it does not say I own or anything is going to be reported if I dont pay no warning was giving in anyway. I also ask why would they report it to be {$590.00} and have my credit drop over 60 points for {$65.00} and I also ask to speak with a supervisor and was told they dont have one but can put this in as escalated and transfer me to someone else and when they did XXXX said that the call was being recorded and I said they I am recording on my behalf as well and she refused and said I dont agree to being recorded and would not help me if I was recording and I can just hang up the phone so I said that I will be sue if you all do to a lie on my credit report. The {$65.00} could have been paid with the other payment that was paid on the XXXX of XXXX if it was such a big deal be I did not receive a call or notice or anything saying that I still own for the month of XXXX I that I was paid up until my next payment on the XXXX of XXXX. I would like for this to be removed off of my report immediately.
11/30/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	CA 92025	Web
Subject : Dispute of Closed Account Impacting Credit Score, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to you in reference to my credit report, specifically regarding a closed account that is adversely affecting my credit score. Upon reviewing my credit report, I noticed that a closed account, XXXX, is still listed, and its presence is negatively impacting my credit score. The account in question has been closed for [ mention the duration it has been closed ], and I believe its continued appearance on my credit report is inaccurate and unjustly affecting my creditworthiness. As I am currently in the process of working towards securing a mortgage to purchase a home, it is crucial for me to address and resolve any discrepancies on my credit report promptly. The presence of this closed account is hindering my efforts to build a positive credit history, which is essential for my home-buying goals. I kindly request a thorough investigation into the reporting of this closed account. If it is found that the reporting is inaccurate or incomplete, I request that you take the necessary steps to correct my credit report and remove this closed account from my record. I appreciate your prompt attention to this dispute and request that you provide me with updates on the progress of the investigation. Please feel free to contact me at XXXX XXXX XXXX or XXXX if you require any further information. Thank you for your assistance in resolving this matter promptly and helping me achieve my goal of homeownership.
01/27/2020	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	IL XXXXX	Web
I had a loan with Bridgecrest Acceptance Corporation which I refinance in XX/XX/XXXX with XXXX XXXX XXXX XXXX. They have refused to send the Title to XXXX XXXX XXXX XXXX after the loan was paid off. Here 's the timeline : XX/XX/XXXX - Sent Bridgecrest a USPS Certified Letter with a XXXX XXXX XXXX Check paying off the loan. Included in the letter was the Address of XXXX XXXX 's Car Title Division WITH EXPLICIT INSTRUCTIONS ASKING THE TITLE BE SENT DIRECTLY TO THEM ... .. XX/XX/XXXX - per USPS my letter was delivered to Bridgecrest Acceptance Corporation .... XX/XX/XXXX - Was the date Bridgecrest cashed the Check from XXXX XXXX .... XX/XX/XXXX - Called Bridgecrest at XXXX @ XXXX - ( All Calls at Bridgecrest are recorded - they have a phone log ) I was advised they would send the title to XXXX XXXX within 3 days .... XX/XX/XXXX - Called XXXX XXXX XXXX to inquire if they have the Title ; They do not .... XX/XX/XXXX - Called Bridgecrest at XXXX @ XXXX EST ( Approx - Again their is a call log as ALL calls to Bridgecrest are recorded ). I was advised They will send the Title to XXXX XXXX and XXXX XXXX should receive it within 10 days. I asked for a reference # or the name of the CS Agent I was speaking with. I was provided niether ... .. Bridgecrest has not dealt fairly. They are aggressive in originating the loan and collecting the monthly payments and are negligent once the loan has been paid off. It has been OVER 3 MONTHS SINCE THIS LOAN HAS BEEN PAID OFF AND BRIDGCREST HAS REFUSED TO SEND THE TITLE TO XXXX XXXX XXXX.
01/16/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	VA 245XX	Web	Servicemember
I purchased a XXXX XXXX XXXX in XXXX of XXXX. Upon receiving the car, the rear brakes were toasted, Tires were XXXX made and the engine was VERY noisy. The Brakes were fixed, the tires replaced ( {$500.00} ) and 5 months later the battery failed ( {$200.00} ). So far {$750.00} out of pocket tires/battery. XXXX of XXXX the engine refused to remain running at stop signs, stalling 12+ times a day. XXXX Rebuilt the engine at a total cost of over {$4500.00} with parts/labor/dealer ship repairs/rental car. After an oil change the stalling has started again. Based on my records, this car has had close to {$5500.00} in repairs in 18 months ... REALLY? So, I elected to cash in the extended warranty. I e-mailed the warranty company and that was handled promptly, and efficiently, however, Bridgecrest claims they never received the money. After about 2 weeks I called them 4X today each time on hold for over 15 minutes. Last supervisor finally admitted they get paid via XXXX ( warranty company ) 2X a month and that the payment would not post for a week the XXXX, BUT ... get this.. car is scheduled to be repossessed starting on the XXXX of this month. XXXX.. I made a small payment today, to stop this as requested. I owe about {$370.00}, the warranty check is for {$1000.00} ... more than enough to get me caught back up. But they REFUSE to post to payments and want to post to principal of loan ONLY ... XXXX again ... If XXXX can post warranty cash out to payments, why can't Bridgecrest. this is the first in many complaints to be filed ....
05/30/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL XXXXX	Web	Servicemember
I called bridgecrest costumer service representative to ask for a payment extension. This information came from their website, it is to help people when they are in need. Well the young lady that I talked to, refused to address the program at first. She was a very fast talker and persuaded me to pay something as if it was going to help with the payment extension. So I paid {$150.00} out of {$420.00}. She asked if she could schedule a payment of {$420.00}. I agreed thinking this would help prevent me from receiving a late payment. She took my debit card information and immediately tried to take the money out right then. This resulted in an insufficient fund fee. The money that was deducted for the fee then decreased the amount available for the bill that was supposed to come out. So I ended up with 2 fees for that one as well. I had to pay over {$1400.00} in repairs and I pay for rides to go to work. So pushing the payment back would have been life-saving for me. So she didnt do the plan, I received a 30 day late on My credit report dropping me 75 points. This was what I was trying to avoid. I explained this to her. But she didnt care. I called customer dispute, but she told me after pulling the call that she didnt sign me up like promised and that she wasnt able to remove the late payment. Even though I followed the protocol. I havent had one bad experience with bridgecrest despite the reviews. Their website says they strive for customer service. I just want them to live up to it. This late payment just cost me my first home.
07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77042	Web
Looking at my credit report I found out that a company name BRIDGECREST FORMERLY XXXX, has reported to the credit bureaus that I missed payment 2 times which is inaccurate because back in XXXX of XXXX due to my financial difficulties I requested for an extension then I was asked to pay the sum of {$270.00} with the extension that will bring my account to current ( fresh start ) they said this way my account won't be reported the credit bureaus as a 30 days late which I agreed to. But to my biggest surprise they still went ahead and reported it to the credit bureaus as 30 days late so I called them immediately to ask why they still reported 30 days after I paid the {$270.00} they apologized for the error and corrected it immediately. Then in XXXX of XXXX similar thing happened I had just lost my Mother I it was a very difficult time again financially, so requested for an extension again I was asked to this time the sum of {$300.00} to avoid it being reported to the credit bureaus again I agreed to the term but just like before they reported to the credit bureaus as 30 days late as usual I called again to ask why but this the costumer service representative hanged up the phone on me I called back again they put me on hold for a while they went back to XXXX of XXXX to change current to 30 days late I do not think this is a standard credit reporting act and the consumer law. Then I file a dispute with all three major bureaus, the information sent to the credit bureaus did not include the {$270.00} and the {$300.00} respectively.
03/09/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75056	Web
On XX/XX/XXXX i applied for a car loan with Bridgecrest Auto loans, and due to the Pandemic and loss of employment i could no longer keep the car. I called XXXX where i received the vehicle and advised that i would need to do a voluntary repo for the car. I was advised to drop the keys off and they would let Bridgecrest and they would contact me with the amount owed once the car was sold. The car was sold and i was advised their was no debt, I never heard from Bridgecrest again until i noticed last year a debt from a company i did not recognize i tried to call the company and the number was disconnected. I disputed the autoloan on all three of my credit report in XX/XX/XXXX and it was removed from my credit. On XX/XX/XXXX a lawsuit against me was taken out and i was not advised by the court or Bridgecrest that a lawsuit had been taken out on me until recently in XXXX of XXXX when a court reporter served me a notice saying that i was being sued by a company called XXXX XXXX XXXX on behalf of Bridgecreast since this time they've placed a {$15000.00} debt back onto my credit and still have not contacted me directly and tried to work with me on a feasible solution. They also used bad tactics by sending court documents to an address i no longer live and have not lived at for over 4yrs by ensuring that they are able to complete a default judgement, this is predatory on their end and shows bad faith on the companies part. Their court case has been dismissed because they did not show up to court, i feel harassed for no reason.
01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98513	Web
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30224	Web
In accordance with the Fair Credit Reporting Act. The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions... Inaccurate Accounts : XXXX XXXX ( Delete account, Not my account, Fraudulent account ) Bridecrest- ( Account paid and closed, Never had late payments, Reporting out dated information, Company charged me a down payment for a credit transaction, Delete late payment history and update account ) XXXX XXXX XXXX XXXX- ( Never had late payments, Delete late payment history and update account ) XXXX XXXX XXXX XXXX ( Never had late payments, Delete late payment history and update account ) XXXX Not mine, Fraudulent inquiry, No authorization to pull my credit profile, Delete inquiry and update profile. XXXX Not mine, Fraudulent inquiry, No authorization to pull my credit profile ... Delete inquiry and update profile. I've disputed these accounts all of 2022 starting in XXXX and they are still being reported inaccurately on my credit profile. These companies are not doing any proper investigations. How does this continue to happen and be allowed?
11/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95205	Web
I am challenging the accuracy and integrity of furnished information pursuant to 12 CFR 1022.42 : ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities. What are your policies and procedures because it doesn't seem to align with the CFR regulations. Now pursuant to 15 USC 1666b I am directing you to mail a check in the amount of credit on my account to the address you have on file. 12 CFR 1022.25 ( v ) Allowing consumers to exercise all of their opt-out rights described in a consolidated opt-out notice that includes the privacy opt-out under the Gramm-Leach-Bliley Act, 15 U.S.C. 6801 et seq., the affiliate sharing opt-out under the Act, and the affiliate marketing opt-out under the Act, by a single method, such as by calling a single toll-free telephone number. I do consent to Bridgecrest sharing of my non public information and am exercising my right to opt out lf sharing of any information related to my organization. I'm directing you to remove all information from consumer reporting agencies and files immediately. I am also exercising my rights and requesting my downpayment of {$500.00} which under truth in lending act 15 USC 1601 the finance charge does not include any cash. You are hereby put on notice!
03/16/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	IL 600XX	Web
I was XXXX and very desperate for a vehicle since my previous vehicle had just broke down. So I heard of XXXX on a commercial about them accepting everyone and since I had no credit I went by alone one day to purchase a vehicle from them. I got there they had pick out a vehicle they gave me a few choices since I only had XXXX down I qualified for only a few select vehicles. I chose a vehicle they showed me an XXXX which said it had no accidents months later I found out it did on XXXX. Anyway they just showed me a monthly payment for the vehicle they never showed me the break down until I did the paperwork for the vehicle. They did n't negotiate the price of the vehicle and I found out in finance there was a lot more I was paying for than just the vehicle and interest. They told me all the products on the vehicle had to be purchased as well since it came with it like GAP, extended warranty, and GPS tracking they said it was a perk of buying the vehicle from XXXX and I found all this out while doing the paperwork online. Was not able to properly read over documents since it was done on the computer and they only gave a brief summary of what the document was. So I end up financing over {$16000.00} for a XXXX with around XXXX miles on it. A few months later I began selling cars and got my vehicle appraised and it was worth {$4500.00} at best. So now my first auto loan I am beyond upside down on because they took advantage of me being alone and not knowledgeable about buying a vehicle or credit or anything like that.
06/06/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 90028	Web
My auto loan payment is due on XXXX XXXX - I rec 'd 2 text messages saying they were reminders with a disclosure at the end, that ended with this is a collection attempt. I responded heatedly that I did n't appreciate being treated like a credit delinquent in a reminder text. I made the payment on the XXXX XXXX. The payment shows in my bank history. I received another text that my payment did not go through. I checked my account again, the payment still shows in my account. So I texted them back, that according to my bank statement that payment has been made. I just received a phonecall that my payment was not sufficient. I go to my online account and they have charged me nsf fees of {$30.00} and {$15.00} dollars going in and out of my account. So they want an additional {$30.00}. My first payment, they tried to charge me XXXX per day interest because the date I said would be my first payment was different from them. The payment before this one, they said I put a stop payment on it ... .of course I did n't. When I called they said because of the card I was using the payment did n't go through, and that I had to use the XXXX XXXX option. The woman walked me through the payment on the phone, but what I noticed is that their website is inadequate and I think is intentionally programmed to not work or they just make up stuff as they go along. It has been about 1 month and what was supposed to be a easy solution, has turned into a complete nightmare. I want to shop for another car and get out of this situation.
07/26/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	FL XXXXX	Web	Older American
I purchased a used XXXX XXXX through BridgecrestXXXX. I am a XXXX XXXX XXXX XXXX woman. XXXX tore a tornado through my family. I had XXXX members of my family XXXX in the past XXXX years. I was laid off as a XXXX XXXX. I was able to make payments thru to XX/XX/XXXX. I did contact Bridgecrest many many times. Bridgecrest refused to make payment arrangement, refused to give me any details about my account. I did file a request to reopen a bankruptcy case just to deal with the financial fallout of XXXX. I was impacted. Its hard enough for a XXXX XXXX old woman ( XXXX ) to get employment. I joke that when I find a job the recession will be over. Its true. Bridgecrest sent me the following letter telling me that they will repossess the car. They do not state what amount I owe. There is no information on their website. They claim that I don't take their calls. I have never received a call that says Bridgecrest on the caller id. I am XXXX and being without a car is an extreme hardship. Bridgecrest has thwarted every attempt of mine to ask what amount is owing. The car is not worth now what it was in XXXX. It is a XXXX year old XXXX. Although XXXX XXXX are in high demand it still is a XXXX year old car. I am aware that I am probably upside down on the loan. I am actively looking for work and I have two upcoming job interviews. The last thing I need in the middle of this is Bridgecrest. Bridgecrest wants to have their cake and eat it too. They want to seize the car, sell it and still make me owe on the car.
12/05/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 611XX	Web
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.
09/29/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 92120	Web
On XXXX a payoff check was sent to XXXX/Bridgecrest in the amount of {$67000.00} matching the payoff quote given to me by XXXXBridgecrest on XXXX indicating a 10 day payoff amount of {$67000.00} good until XXXX. The payoff check was received by XXXXBridgecrest on XXXX as indicated by my online portal at Bridgecrest.com. The account showed " Paid in full ''. On XXXX a check in transit for the next months payment was received by XXXXBridgecrest after the account was fully paid off and was cashed by them. The online portal showed it as a " NORMAL PAYMENT '' even after account was paid off. On XXXX I received a check from Bridgecrest in the amount of {$110.00} which does not reflect the correct overpayment for the payoff. I should have received {$110.00} for the time between the check was sent and the expiration of the payoff quote which I agree with, but I should also have received the additional payment that was received by Bridgecrest after the payoff and that was cashed by Bridgecrest. The amount of that check was {$1100.00}. In total I am owed a refund of {$1200.00} of which only {$110.00} has been paid to date by Bridgecrest. The additional amount still owed is {$1100.00} that was received and cashed by them after the account was already paid in full. Upon calling Bridgecrest at XXXX on XXXX at XXXX Pacific Time, I was informed that they have no timeframe on when I can expect my {$1100.00} refund and that it is still being worked on, several weeks after the account was already paid in full.
05/18/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	AZ 85741	Web
On XXXX XXXX2022 Bridgecrest reported an open car loan of {$20000.00} which is inaccurate factual reporting. It is a discrepancy on my credit file that I have been fighting for a month on the XXXX XXXX XXXX. XXXX reported it as a " repossession '' when in fact it was inaccurate reporting. How can that be when I barely had the vehicle less than 2 weeks?? XXXX delayed the delivery date by a month. Continuously reporting of different delivery dates, they are reporting I am 2 months late on the loan. If they deemed it so, then why am I getting a late payment status? If as a repossession, then why am I marked as late payments as of today? I gave the vehicle back in its standing condition they gave it to me & Bridgecrest openly admitted unwind/ reversing the contract. I have a letter from XXXX stating that Bridgecrest backed out of the loan. Both companies openly admitted fault on false reporting. The account you are reporting is identified a " repossession '' is unacceptable and incorrect. How can I be behind on payments that was " repossessed? '' That is impossible to default on payments after the fact! I have the right to an accurate/ correct/ precise/ lethal credit file. Discrepancies, inconsistencies, deviations, lack of congruence, and obliviousness is quite insulting and discrediting to the hard-working American people. Immediately remove this from my account. Like I said, I have the right to an accurate, true credit reporting and this is so disgraceful and unfair reporting. Remove it at once!
04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30127	Web
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion. These blocks the credit bureaus place on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.
10/19/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 275XX	Web
The car loan doesnt belong to me what I mean is I didnt purchase the car. I had a family member living with me and when I would travel out of town on business they must have took my ID and information from out of my old pocket book in my closet. The car was brought online and when I found out about it I immediately had the car picked up from that family members new home they moved into. The car was brought in XX/XX/2019 I believe and I have tried working with BridgeCrest to have it removed from my credit to no avail. I didnt do a police report because I dont want the family member in jail she has XXXX small kids but I dont and shouldnt be held responsible because I dont have a police report. I sent in the affidavit and other documents showing I didn't make this online car purchase yet they still will not remove this from my credit report. I even sent in the payment of {$9700.00} per XXXX when I called into BridgeCrest over a month ago and the car is still showing on my XXXX and XXXX credit report. This isn't fair and I might have to hire a lawyer to sue BridgeCrest. The car was never purchased by me then I send in the documents they required to remove the loan and I also sent in the payment amount shown on my credit report and confirmed by XXXX that works for BridgeCrest in the amount of {$9700.00} and the account is still on my credit reports. I need someone here at the CFPB to help get this mess corrected asap for it isn't fair at all to me as a consumer who is a victim of online fraud!!!!
02/19/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	KY 41005	Web
I purchased a vehicle from XXXX XXXX XXXX XXXX in XXXX. The initial loan was XXXX for XXXX XXXX XXXX. I have paid bi weekly for the last 4 years and went to ask what the pay off would be. Bridgecrest ( who provides the loans for XXXX XXXX ) informed me today that my payoff was XXXX Even though I have paid almost XXXX on the principle loan ... I was also informed by Bridgecrest that I had a loan for XXXX which I was not informed of until today. So far I have paid XXXX on a loan for XXXX and I still ( according to Bridgecrest ) owe XXXX more to pay off a vehicle that. Making the total XXXX for this car. which I never agreed to. The salesman at XXXX changed the contract from the time I agreed to the details and when I signed the contract. He rushed through the paperwork and told me it was the same that we discussed earlier while it was still on his computer. So I didn't need to worry and I could trust him. The contract that I agreed to was for XXXX with interest. APR 20.14 % Now according to Bridgecrest even if I pay off the XXXX that is left on the principle I have to pay and additional XXXX for interest that has not accrued. I tried to fight this before and gave up because their tactics are very shady and intimidating. I am a XXXX year old man that needed a vehicle to go to and from work. XXXX XXXX with the assistance of Bridgecrest have basically stolen thousands of dollars from me and are trying to make me pay XXXX more because I am trying to pay off the loan. Please help me!
11/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02131	Web
I sent Bridgecrest multiple dispute letters asking for validation of debt bearing my signature ( which they have to provide according to FDCPA and FCRA ) with the first letter starting on XX/XX/2020 which was signed for by them via certified mail receipt on XX/XX/2020 ( I have proof ) about an account on my credit report showing that I owe {$10000.00}. They responded claiming they didnt have enough information to look into it. That is false, I provided my name, address and social security number. Also the amount owed and the account number showing on my credit report. They failed to mark the account as in dispute on all 3 credit bureaus within 30 days of my dispute which they have to do by law. Till this day it hasnt been marked as in dispute. I sent them another letter on XX/XX/2020 ( with certified mail receipt of signature on XX/XX/2020 as well XXXX letting them know they did not comply with the law and they must now remove it from my credit report. I let them know they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. They responded on XX/XX/2020 but nothing was done nor was it marked as in dispute. If im able to, attached you will proof of both of my letters sent to them via certified mail and proof of being signed for via certified mail receipt. As well as Bridgecrests most recent response to my most recent letter sent to them.
09/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20016	Web
Bridgecrest claims that when my vehicle was totaled on XX/XX/XXXX the insurance check that was issued didnt cover the deductible hence leaving a current balance on my account I have disputed this with the credit bureaus this however isnt true that the deductible was not included in the settlement amount is actually was included before the settlement check was issued in the amount of XXXX was the amount that was settled however when the subtracted the XXXX dollar deductible it left the amount of XXXX that was paid to them included a gap check of XXXX including the XXXX deductible as well as Vehicle service contract refund in the amount of XXXX they still are holding me responsible for the XXXX that they claim my insurance didnt cover hence why the balance is still on my account reflecting current this has dropped my credit score and put me 60-90 days late on my credit report with XXXX and XXXX however this same account that is showing open with these two bureaus was reported closed on XX/XX/XXXX when it was back dated at the time of loss is now reopen and was opened XXXX and its only showing open from XXXX and XXXX however XXXX is still reporting this account as closed but my credit has dropped with them as well Bridgecrest either was informed of the deductible being taken out of my settlement check prior to payment or they werent but I know that I shouldnt have a balance left because the XXXX was overpaid by XXXX XXXX as well as deductible from the initial settlement amount
12/12/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX XXXXX	Web
Bridgecrest financial company is engaging in business practices that have prevented me as the consumer from paying off a simple interest car loan early. The unfair business and accounting practices include : 1. Failing to applying 6 different principal only payments totaling {$5600.00} to my loan timely and 2. Adding back the simple interest of the loan when the principal payment is made causing my account to enter into a " payment due '' or arrears status. All six principal payments were made between XXXX and XX/XX/2019. On eight different ocassions, I have called Bridgecrest customer service speaking with representatives who have either failed to rectify the situation or who have started retaliation efforts by locking my online account. After each conversation with Bridgecrest ( XXXX, XXXX, XXXX, XXXX, and XXXX ) and a promise that my account will be brought current, the only actions taken have included again misapplying 4 principal payments and alerts that my account is in the arrears. A full accounting statement was requested from Bridgecrest on XX/XX/XXXX, but has yet to be received. A second request for a full accounting statement was again requested XX/XX/XXXX. This company 's unfair and unacceptable accounting practices prevent consumers from paying off loans early and can potentially damage their credit ratings. The FTC should investigate these practices as consumers will need lawyers to recover monies from overpayments and erroneously reapplied interest payments.
06/20/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	MD 21060	Web
I purchased a car from XXXX in XX/XX/XXXX. The loan provider for the loan is Bridgecrest. At the beginning of the loan period, the payments were on time. Unfortunately, I was impacted by COVID. This resulted in short term XXXX due to a COVID related illness. I communicated this with Bridgcrest on several occasions. I entered into several payment plans/loan modifications ( XX/XX/XXXX and XX/XX/XXXX ). I did everything I could to prevent a repossession. After many months of hard work, I have finally brought my account to current. I reached out to Bridgecrest and asked for a credit report adjustment to reflect current as I am not able to be approved for a mortgage ( or rental ) due to the late payments they continue to report. The refuse to comply with the CARES Act credit reporting mandates and report my account to current ; after entering into several agreements and loan a loan modification. From my understanding of the CARES Act, even if I was delinquent at the time of the modification, the creditor must report my account as current once the account is brought current as a result of that modification. The company states it is not their policy to offer adjustments. However, they will remove tradelines if the loan defaults and is charged off. In other words, if I would have let my loan get charged off, I would get a full reprieve. Even though I worked hard to maintain my loan and bring my account to current, my credit report can not be adjusted to reflect that dedication?
02/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30534	Web
I am the owner of a vehicle in a car accident XX/XX/XXXX. The car was declared a total loss by the insurance company on XX/XX/XXXX and the insurance company negotiated a payment with the lender. At the time the driver, my husband, was the person paying the car loan. A payment was made XX/XX/XXXX. The lender estimated the car value ( loan and interest at {$19000.00} ). The insurance company sent a check for {$10000.00} ( on XX/XX/XXXX ). We had also been paying for gap insurance ( through Bridgecrest ) and other services along with the monthly payment. During the entire time we were in correspondence with the lender. In XX/XX/XXXX I followed up with the lender ( bridgecrest ) regarding an update. On XX/XX/XXXX they informed me they just sent the documents required to the gap insurance for payment and that would take another 20 days to process. In the interim on XX/XX/XXXX I received an email from one of the added service providers ( XXXX ) concerning they refunded to Bridgecrest {$2800.00} for the service contract and GPS contact I had. XXXX informed me that the gap insurance would cover any balance remaining after their refund was applied. With the check from my insurance, and the refund from XXXX the company still charged off {$8300.00} to my credit report without a final statement or any other accounting being made. No gap insurance was applied ( even though they were paid at the very least through XX/XX/XXXX ). I requested this from them but have gotten no response.
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	DE 19802	Web
I have several accounts listed on my credit reports and the do not coincide with all three reports 1 ) this Bridgecrest report is showing that its open and delinquent and I paid this account off in XXXX on all reports 2 ) department of education I had I had those accounts forgiven and they are listed as delinquent on all 3 reports 3 ) XXXX XXXX theses accounts need to be reviewed they have all different Amounts on all 3 credit reports and some not even listed at all 4 ) XXXX XXXX is listed on my 1 credit report and not all reports as this amount that was not paid when the account was canceled this needs to be reviewed and deleted as soo. As possible 4 ) collection account with no source listed fo {$49.00} dollars not listed on all my reports this needs to be deleted as this information is not accurate 5 ) XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open 6 ) XXXX XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open XXXX XXXX XXXX 5 ) XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open
03/23/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NJ 08865	Web
I have been out of work since XXXX due to health issues and officially lost my job in XXXX. I was unable to make any payments to BridgecrestXXXX due to the fact I had no income. I was able to get one extension and shortly after had to have Bridgecrest place me on the Don Not Call list because their agents were contacting me trwice a day. I'd speak to a representative and within 20 minutes of hanging up the phone they'd be calling again. Communication methods since have been sub-par. I only receive emails, so when they notified me of a reposession date, I didn't immediately see the email. I don't understand why something so important wouldn't also be sent via USPS. I have found employment and am prepared to resume payments following my first paycheck on XX/XX/XXXX, but Bridgecrest refuses to work with me any further. They are insistent I need to pay approximately {$200.00} that I don't have to prevent the repossession. They tell me their hands are tied and they can't do anything else to help me because the computer system has it locked in. All the talk of assistance and understanding during the pandemic has been nothing but empty platitudes. Before losing my job and being unable to make payments I had close to two years of on-time payments, but that apparently accounts for nothing. I don't think it's too much to ask for an extension of just a few weeks all things considered, but Bridgecrest have absolved themselves of any responsibility in this situation.
01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19038	Web	Servicemember
On XX/XX/2022 Bridgecrest formerly XXXX XXXX has furnished fraudulent information to consumer report by way of using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Bridgecrest violates XXXX Validation of debts, Bridgecrest violates XXXX Furnishing certain deceptive forms, Bridgecrest violates XXXX False or misleading representations. Bridgecrest HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST TEN ( 10 ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION AND REMARKS REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT CLOSED and or Charged OFF. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.
09/20/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MI 492XX	Web
In reference to previous CFPB complaint ID # : XXXX Bridgecrest has violated my rights and failed to address these violations or lawfully remedy the issue to my satisfaction. Bridgecrest has illegally obtained my personal information and fraudulently used my social security number. I have never given Bridgecrest a SSA-89 form or given them permission to use my social security number. Bridgecrest is tampering with government property as my SSN was issued by the US Government. I filed an Identity Theft Report regarding Bridgecrest on XX/XX/22. I gave notice to Bridgecrest, which was received on XX/XX/22, that I would be rescinding from any fraudulent, implied contract that may have been made without my knowledge or permission in conjunction with the contract with XXXX. I also served a Revocation of Power of Attorney notice within the same certified mailing. My notices were ignored by Bridgecrest and returned to me on XX/XX/22. Bridgecrest received a Cease and Desist notice as well as a Validation of Debt notice on XX/XX/22, and returned them both to me. This alleged debt is disputed for fraud and Bridgecrest has not ceased to collect the debt. Bridgecrest refuses to provide any actual accounting or prove the alleged debt is valid and not fraud. Bridgecrest refuses to recognize my legal right to exercise the administrative process. I will be taking further legal action and forwarding my complaints with supporting documentation to the Attorney General.
07/01/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CO 80910	Web
On the day of XX/XX/2023 I mailed a negotiable instrument with a signature that stated. " I accept the offer in the amount of XXXX for valuable consideration and tender the full amount of all claims, by without recourse. '' The offer was accepted on XX/XX/2023. I have proof which will be attached that my account was not tendered properly in good faith my account should be fulfilled. I've reached out to their missing payments department. They asked for the receipt and USPS money order number. I asked to speak to a supervisor on XX/XX/2023 as well as proof of my draft and accepted the offer USC 3-311 ( a ) ( i ). Here is the email sent " Upon accepting my payment In good faith the negotiable instrument ( money order ) accordingly, Ucc 3-311 was accepted for cash for the full satisfaction of the account. Due to the draft stated, my account should be fulfilled and zeroed out. The instrument has to be tendered properly in full satisfaction of the claim. '' I received a letter stating that I was in a penalty of past due when my offer was accepted for value. I've called multiple times. They said that it would be an email sent to me in regard to my account on the day of XXXX XXXX. I still haven't heard anything. Nor has my account been resolved. Under the law of UCC 3-311 satisfaction by use of instruments and UCC3-310 effect of the instrument on obligation for which taken. Due to the money order and draft being accepted and cashed, the debt should be discharged.
11/07/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85295	Web
My husband made a loan modification in the beginning of XXXX 2016 to bring the account current. Since then he has made 4 on-time bi-weekly payments as per the loan terms. When we disputed information reported to the credit bureaus in XXXX, the credit bureaus stated that they received information from the lender on XXXX XXXX, more than 30 days after bringing the account current, that my husband was still 60-89 days late and had not made a payment since XXXX. This is hurting his business very badly as it is for his work truck which is having problems and we need to trade for a more reliable vehicle and it is also preventing him from being able to obtain business credit. ( It is also hurting us regarding buying a home which we are in the process of qualifying for. ) The lender is aware of this as they were informed of this in XXXX and advised me they would report it current within 30 days ; they have yet to do so. I do have a letter on their letterhead dated XXXX XXXX that my husband is current, but they have not reported it accurately to the credit bureaus. I have evidence of our dispute with XXXX wherein they informed us the furnisher states the information they provided, that my husband was 60-89 days late and had n't made a payment since XXXX, is accurate. It is now XXXX XXXX. I believe they are in violation of the FCRA and we will sue as a result, and seek attorney 's and court fees, but this still needs to be amended immediately and recorded accordingly.
04/12/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20910	Web
Called Bridgecrest and spoke with an Executive Resolution Specialist named XXXX. On XX/XX/XXXX at XXXX. I was inquiring about a loan deferment due to a short-term hardship I'd experienced. When I asked XXXX about getting a deferment since my last deferment was 6 months ago, she told me I could not get a deferment until I was 2 to 3 months behind in my payments. When I informed XXXX this kind of a delay with getting a deferment would create serious financial and credit harm to the loan holder, she reiterated that I would have to wait 2-3 months. I tried again to reason with XXXX because I knew the information was highly inaccurate. I asked XXXX what was the company policy related to anyone getting a deferment. XXXX recited again to me on the recorded line that everyone applying for a deferment would be required to wait until they were 2-3 payment late on their loan. Knowing this information was incorrect, I asked XXXX for a copy of the Bridgecrest policy related to waiting 2-3 for late payments for deferments. XXXX claimed this Bridgecrest policy was 'internal ' and would not send me the policy. I reiterated that it was illegal to have loan holders wait 2-3 payments for to request a deferment and would seriously hurt me as a loan holder and others. XXXX doubled- down and told me I would have to wait 2-3 payments for a deferral without respect to written policy and refuse to forward my deferment request to the proper financial department within Bridgecrest.
02/24/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA 170XX	Web
I have numerous times requested some sort of payment arrangement or payment extension to bring my past due loan current and my wife and I are continuously misled. I was unexpectedly off work due to some XXXX I needed and fell behind on my loan. In XXXX I was told my car would be up for repossession unless I made a payment of {$350.00}. I was told if I made that payment that I would be able to get an extension. On XX/XX/XXXX I made that payment. When I tried to get an extension I was denied. Then in XXXX I was again told that my car was up for repossession and if I didn't pay {$290.00} by XX/XX/XXXX that it would be repossessed but if I made that payment I would be eligible for an extension. I made the {$290.00} payment on XX/XX/XXXX. No extension allowed. Now here we are, me being told that if I don't make a payment by XXXX my car will be up for repossession. Every time my wife speaks to someone from this company they promise her an extension if she just makes one more payment, one more payment. Well we've made XXXX, XXXX, and XXXX and no extension is available. We are past due {$1000.00} and trying to dig ourselves out but all Bridgecrest wants is to squeeze one more payment, one more payment, before actually helping us at all. My wife handles these things for me as I am hearing impaired and without the device that allows me to communicate effectively by phone. However if bridgecrest would like to reach out to me directly I can be e-mailed at XXXX XXXX
02/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89148	Web
On XX/XX/XXXX I got a response from Bridgecrest for my complaint with CFPB XXXX about my total loss claim on my XXXX XXXX XXXX XXXX in the complaint Bridgecrest agreed to omit the days pass do because of my Insurance company had not sent them the last XXXX but, Bridgecrest did get pretty much 99 % of the payment. This was not my fault, as that last payment was supposed to go to me for registration that I paid on the car, but instead, it was somehow added to the payment to the lien holder. I thought after the complaint Bridgecrest and, I came to a resolution they would omit the days pass due to 0 30 days late 0 60 days late 0 90 late. They even sent me a letter while the CFPB complaint was still open saying that is what they were going to do, and they also responded to CFPB complaint and, the complaint with XXXX stating that is what they were going to do upon both complaints being closed they waited to tell XX/XX/XXXX and, sent me another letter stating they where changing it to 91 days late. even though they got payments in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and, XX/XX/XXXX. This is insane how this company can lie to both me CFPB AND, XXXX and get away with this. I also sent a certified letter out requesting proof of contract, and all payments, and checks that were made because I never got reimbursed for my warranty, no response other then the letter stating they were changing the late dates from 0 to 91 days although the account was never 91 days past due.
10/20/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 27713	Web
I was 3 months behind and the loan was charged off on my account in XXXX of XXXX. Some lady who worked with the company called me literally everyday from sun up to sun down leaving me quite a few messages. Shortly after that is when I saw they reported a charge off on my credit. I was still in possession of the car for an additional 6 months after. I attempted to make a payment anyway but couldn't and the called to only be given the run around on who I needed to contact. I emailed them telling them where I was located and that they could come get the car. After a few more months go by, the car is no longer sitting outside my house. While of this is going on they were still reporting charge offs on my account. They just reported a charge off again in XXXX of XXXX. I contacted them several times to ask if they could removed it from my report. to my knowledge, if they reported a charge off then that means they received a XXXX and is considered taxable income. That means they are reporting income on my credit report. They were paid for it but they never sent me a XXXX At the time I had just got the car in XXXX of XXXX. I paid in XXXX of XXXX. I lost my job but was finally starting a new one. Again I became 3 months behind and then they charged it off my account immediately. The amount was {$10000.00}. They are trying to prevent me from being able to get another loan or any source of credit and its working. I've been turned down jobs and housing because of it.
01/01/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	AZ 856XX	Web
On XX/XX/XXXX i purchased a XXXX XXXX XXXX from XXXX. The loan for this vehicle is handled by Bridgecrest LLC. In order to make loan payments, one has to register with Bridgecrest online. Communications with Bridgecrest online are not possible, because Bridgecrest never answers to any emails. I had an account with Bridgecrest before for a XXXX XXXX XXXX ( Loan # XXXX ). This vehicle was discharged with my bankruptcy on XX/XX/XXXX, since Bridgecrest denied the reaffirmation of the loan. At no point, they notified me, that the vehicle was discharged and that i could give it back to them. I wanted to register and open an account for the XXXX XXXX, and to my surprise, I noticed, that Bridgecrest added the new vehicle to the old account. The purchase of the XXXX XXXX has NOTHING to do with the old account. I requested them to allow me to open a new account for the XXXX XXXX. Like always, no answer from Bridgecrest. I need to be able to open a new account for the XXXX XXXX ; putting these 2 loans together in one account is, in my opinion, highly questionable, if not illegal. I hope, FTC can get an answer from Bridgecrest. The XXXX XXXX needs to be removed and the account closed, since the vehicle was fully discharged in my bankruptcy. Bridgecrest needs to allow me to open a new account for the XXXX XXXX before XX/XX/XXXX, when the first payment is due. I will refinance the loan in the very near future, so I can get together with a more ethical finance company.
05/12/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX XXXXX	Web
My brother passed away in XX/XX/XXXX since then dealing with this company has been a headache to say the least. Recently, I realized that after finalization of the loan XXXX checks were issued due to over payment. I have contact Bridgecrest on numerous occasions to have this resolved, to date they have yet to rectify the issue. I contacted bridgecrest in mid XXXX to advise them of reissuing check to address the payee as they were issued under my brother 's name. My brother was deceased at the time of loan closeout and repayment. I obtained a loan in my name to clear his debt. XX/XX/XXXX - checks were reissued to the estate of XXXX XXXX XXXX- I contacted bridgecrest to advise that XXXX does not have an estate and the checks needed to be reissued in my name. XXXX - Contacted bridgecrest again, as I had not received the reissued checks. Representative I spoke to stated that checks had been mailed out XX/XX/XXXX and to allow 7-10 business days for arrival. XX/XX/XXXX - contacted bridgecrest on 10th business day as I had not received checks. Representative advised me that the rep from XXXX had provided misinformation and the checks had not in fact been reissued. Rep also stated the earliest reissue would be in 10-15 business days. This issue has been on going for 2 months with multiple phone calls and no resolution. Each calls seems to have me looped and asking me to wait more time on something that could have easily been resolved on XX/XX/XXXX.
09/10/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08618	Web
In XXXX of 2021, I purchased a used vehicle through XXXX within a day the car 's engine light came on. I choose another vehicle BUT though the 2nd car was comparable in make, model and price XXXX wanted times more the down payment I had already paid. Ultimately, days passed and the 2nd car deal fell through. When I went to have the vehicle repaired I was informed I was in a " rebuild process '' that could take 0 days to " rebuild '' the original contracts. However, on XX/XX/XXXX my granddaughter and I were caught in a flashflood that totaled the vehicle. My car insurance quickly completed their process and paid the car off. However, XXXX and its affiliated finance company DID NOT. I have had to file several complaints with the XXXX to get XXXX to complete the " rebuild " process. Likewise, I had to file a XXXX compliant to get Bridgecrest to apply the checks to my account which they applied XXXX BUT removed XXXX XXXX, for reasons unknown to me. AND, today, Bridgecrest added a negative rating on my credit report for the full amount of the loan to a vehicle that has been paid off. Additionally, my GAP insurance company is waiting for XXXX and Bridgecrest to supply them with documentation to complete their process. These people have made a horror situation worst by lack of transparency and competency and I believe they are predatory lenders harassing me for a vehicle that they know was deemed a total loss from a natural occurrence. PLEASE HELP!
03/29/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	SC 29681	Web
Bridgecrest Acceptance Corperation does not follow The Truth In Lending Laws 15 usc 1601.This is another refusal to pay, I feel like my privacy as a consumer has been breached at this point. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX Bridgecrest Acceptance Corporation XXXX They are wrongfully trying to benefit from my open end credit card that I used to initiate this consumer credit transaction. This is also another written refusal to pay. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved XXXX XXXX XXXX When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I disputed the debt and asked how was it valid and to verifiy it, they never told me who the name an address of the original creditor is pursuant XXXX XXXX XXXX ( XXXX ) ( b ). They just sent me a letter telling me its valid and they verified it. That is not validation by federal law. This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I want them to do right by me as a consumer by federal law.
01/31/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	NC 27519	Web
I am a co-signer on this loan which is now in good standing ; I would like to be removed from this loan ; as i am trying to purchase my first home. When I co-signed for this loan with my ex-husband ; I thought that I was still married. It wasn't until after I co-signed with him ; that I found out that I was divorced. He divorced me in another county ( 100 ) miles from me in XXXX County ; stating that he couldn't find me, which was a lie ; he had already started a new relationship. I found out by getting a call from his girlfriend that I was divorced now. If I would have known that I was divorced from him, I would have NEVER co-signed on that loan. The only reason why I was added to the loan was because he just started his new job and needed someone who was on the job for a longer period of time. When he left, he left me and my children with nothing, cleaned out all of the accounts, and we lost everything. I have worked really hard to build my credit up and pay off thousands of dollars of debt to get to a place where me and my children can finally get out this apartment. I am begging to be removed from this loan ; he has been on the job for 2 years +, and he's making payments on time ; and paying additional each payment. I dont drive the car ; nor have I ever driven it. I dont even know where its at. Please remove my name from the loan ; as I will not be able to move into my own home with this removal. What can be done here? Please, help me.
09/19/2021	No	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 75803	Web
I got a loan from Bridgecrest the car was from XXXX XXXX in XX/XX/XXXX. Everything was going great until the pandemic hit. I was a month behind, but that was because I lost my job and the pandemic hit and could not get a job. Everything was locked down. Rewind, I started to get unemployment. I was paid my note I was no longer past due. Then a new set of issues arose. I worked for an app company that was just released in my small town. It was slow at first. I was no longer getting the pay I was getting before I didn't make my agreement but kept the company updated on my situation. On XX/XX/XXXX they came and repossessed my car. I was embarrassed. I was humiliated. I put a lot of money into the car. Technically the car was paid for they charged me a higher interest rate which. I was getting offers to pay lower rates. The car would have been paid for. But they have already sold the car. And they have reported on my credit report that I still owe them a balance. They also have been reporting through the pandemic which brought my credit score down. I worked hard to get my score up to XXXX within a year and within three months after the pandemic they reported on my credit and it is now XXXX and it was lower than that. I would like for them to take the negative marks off my credit and compensation for pain and suffering. I lost my job due to not being able to work because I lost my vehicle due to this companies insensitivity during this time.
07/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32003	Web	Servicemember
Bridgecrest is reporting falsely every month on my XXXX Credit Report. This account was closed due to a lemon vehicle that they sold me that did not work properly in 2009. It broke down on me several times within the years I had it. I filed many complaints with the company. Finally the transmission blew, I towed the car to them, and they refused to help other than to trade in for a another car with them. The transmission cost more than the car was worth. They sold the vehicle at auction {$2900.00}, then asked to negotiate for $ XXXX years later after they had already ruined my credit. This account is closed, reappeared again, and every time I dispute it they Update the status with the current date. It was removed then popped up again! They started to report it every month as " failed to pay '' since my disputes. I humbly asked them to remove it since its passed over 6 years and its going to drop from my report, but they keep saying they will not. This vehicle never worked properly and was a hazard to my safety. It was a XXXX XXXX with constant problems and parts needed replacing all the time. They acknowledged this as every time there was an issue I called them. This account should be dropping soon and their reps threatened me that now it may stay on my credit for 10 years not 7? They stated the only ones that can remove it is XXXX and to call them instead. Yet XXXX stated they are posting what Bridgecrest is reporting to them.
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 71112	Web	Servicemember
Between XXXX XXXX XXXX my XXXX XXXX was stolen from my driveway while I was away for business. I filed a police report and made a claim with my insurance company XXXX. My car was deemed a total loss after law enforcement and the insurance company investigation. The lienholder Bridgecrest was made aware of the vehicle being a total loss. On XX/XX/2023 XXXX sent a check to Bridgecrest for {$21000.00}. I spoke with Bridgecrest in XXXX about a week after the check was mailed. They confirmed they had the check but needed to speak with XXXX. I made contact with my agent from XXXX, XXXX XXXX ( XXXX ) XXXX who said she would speak with Bridgecrest. XXXX XXXX confirmed with me about ( 2 ) days later she had spoken with Bridgecrest. I then called Bridgecrest again ( towards the end of XXXX ) and they still refused to deposit the check to my account. By this time they have listed my account 60 days negative to all credit bureaus. I attempted to dispute this with the bureaus but they all ruled in favor of Bridgcrest and informed me to open a claim with you. I have tried working with the lienholder but every time I call I get a different lie on why they have not applied the check towards my car. My credit score has dropped over XXXX points and now showing 90 days passed due. This has caused me denials with recent credit transitions and my current job is now reviewing my credit. I've attached what XXXX shared with me as proof of payment.
06/21/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TN XXXXX	Web	Servicemember
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX in XXXX, TN. The day I purchased said vehicle, I was told I had 7 days to return the vehicle. When I showed up on the 7th day, I was told I only had 5 days. The reason I want to return the vehicle is because it has been deemed unsafe to be driven on the road by THEIR warranty company ( XXXX XXXX ) after sitting in the repair shop 2 months. Their attorneys finally agreed to swap out vehicles, only if I did not get the new one inspected before signing the contract. Once I was told this, I left the vehicle on the dealership lot until an agreement could be made. After all, if I drive the vehicle and something happens that involves another driver, I will be held responsible due to driving an unsafe vehicle. The vehicle has been sitting on their lot ( all but this last payment paid with full coverage insurance ) since on/around XX/XX/XXXX. I have not heard from Bridge restXXXX since on/Around XX/XX/XXXX. I have also filed a complaint with the XXXX but Bridgecrest 's responses were not the total truth and I have since not heard from the XXXX I need to return this vehicle and get all monies returned. If at all possible, the insurance fees would be appreciated too. I work rotating XXXX XXXX XXXX at a XXXX XXXX. This prohibits me from talking on the phone most days due to most offices being closed. If possible, I would appreciate a scheduled called from a representative on a day off.
01/26/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	OH 440XX	Web	Servicemember
I have a vehicle financed through Bridgecrest for which I've been making payments on since purchasing the car from XXXX in XXXX of XXXX. On XX/XX/XXXX I took the car to my local XXXX to have it appraised and it was appraised at $ XXXX. I logged into my Bridgecrest account and requested a payoff, which was right around $ XXXX. My XXXX appraisal expires on XX/XX/XXXX. On Sat, XX/XX/XXXX I took my car to XXXX to complete the sale. The salesman and I contacted Bridgecrest customer service via phone to obtain an official " dealer payoff ''. I gave the Bridgecrest Rep my vehicle VIN and my name, and he stated " that is not the name on this account ''. He read off the name and address of who was on the account and it wasn't me nor my address. The email address on the account was correctly mine, however. The Rep stated he could not provide a payoff since I wasn't an " authorized user '' on the account! I decided to log into my Bridgecrest account on my phone, clicked " Account '', and sure enough there is someone else 's name and address on my account! It is now XX/XX/XXXX and after numerous calls to Bridgecrest every day since the XXXX, my issue is still no closer to being resolved as day 1. My appraisal 's expiration has come and gone and I'm now at risk of losing thousands of dollars if my car doesn't appraise the same amount. I even attempted to contact the CEO of Bridgecrest via XXXX to explain my situation, to no avail.
07/16/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	AL 354XX	Web	Servicemember
Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : Account Name : Bridgecrest Formerly Dri Account Number : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10019	Web
I have had two auto loans with Bridgecrest, one that was paid off early, the other since 2018. Until issues related to the pandemic, I have made timely payments. Because of the pandemic and my mother being treated for XXXX, I temporarily had unexpected closure of two of my companies and made all of my payments in a timely manner or received forbearance. Additionally, my checking account was hit with fraud and it took over 90 days to resolve. I was using an app called Prism to pay bills and the app malfunctioned and did not update my new banking info for drafts and did not send two payments and as soon as I got this resolved, I paid the payments. Bridgecrest has reported 2-3 late payments on loan and I asked them to, as a courtesy, given that I have always payed timely, to remove the late payment reporting from all credit bureaus so that I could be approved for a mortgage. They called saying that they are unwilling to remove the reporting. Since the billing issue was promptly resolved, I have made timely payments, as I had up to that point and it is completely at their discretion to do a good faith removal of the negative reporting. By obtaining the HELOC, I am able to pay off the auto loan and my credit cards and also purchase equipment needed ro expand my transportation company with our XXXX XXXX XXXX. Their unwillingness to make a good faith removal is hampering my ability to take care of my elderly mother and child.
05/18/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	MS 39212	Web
On XX/XX/2022, I called Bridgecrest to let them know that I was going to trade in my vehicle and needed a XXXX payoff amount. ( The car note due date was on the XXXX ). On XX/XX/2022, while at the dealership, the salesman asked me to call Bridgecrest again to verify the payoff amount. On XX/XX/2022, I purchased a new vehicle and traded in the vehicle that was financed by Bridgecrest. On XX/XX/2022, Bridgecrest called me twice stating that they had not received payment on my car loan. I informed them that the car was traded in and that they should have received the payoff check from the car dealership. Bridgecrest continued to send me text messages and voice messages regarding a loan payment on the car it had financed. On XX/XX/2022, I contacted someone at the dealership to see if they had sent the payoff check to Bridgecrest. She told me that they had. She and I got on a three-way call with a XXXX at Bridgecrest. The rep at the dealership gave the rep at Bridgecrest the date that the check had been sent to the lockbox ( a day or two after purchase ) and she verified the lockbox address. No one had been there to receive the check. Bridgecrest reported a late payment to the credit bureaus. I contacted Bridgecrest to get the late payment removed, because it was not my fault that they did not receive payment on the vehicle, when it was clearly sent in due time. Bridgecrest refused to remove the late payment.
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02151	Web
I took out a Bridgecrest auto loan XX/XX/XXXX and paid it off in full XX/XX/XXXX. After XX/XX/XXXX, I entered an agreement with Bridgecrest that the phone rep agreed to due to Covid. It was a hard time for everyone and Bridgecrest agreed to follow the CARES Act Impacts Credit Reporting which states that they will not report late payments going forward during the COVID emergency on my account. Now I entered this agreement with the account as current. This agreement was to continue through the pandemic which actually just ended. I never let the car go to crazy past due and always paid but they charged me insane fees along with reporting my car late XXXX times during this period. XXXX 30 days late, XXXX 60 days late, and XXXX 90 days late. Bridgecrest broke their COVID Agreement and I believe violated the above mentioned law and now I am paying for it on my credit. Not only is the closed account current status showing " late 30 days '' but it has those XXXX late payments on it. I am struggling to get back on track because this is holding down my credit score. Since I believe Bridgecrest violated the COVID rules and promises to me I am requesting that either you remove the late payments and also current the current status or you delete the account from all three credit bureaus. I hope this escalation can handle this situation so there has to be no further action taken because I am not satisfied with how I have been treated
10/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NC 28326	Web	Servicemember
Im a service connected veteran I lost my job two years ago once I lost my job I made partial payments to Bridgecrest ( XXXX ) once I received a increase for my XXXX I caught my car payment up and set my payments on auto pay. XXXX has 16 inaccurate late payments on my report. I raised my score 160 points less than six months on my own however these late payments are affecting me personally and my score tremendously. I should have a 700-750 credit score but the late payments is causing my score to stay low. I have 30 days to move out of military housing and I cant rent nor purchase a home with my va loan due to the inaccurate late payments. I sent numerous goodwill letters pleading for forgiveness explaining what caused me to fall behind and My request was denied because my address wasnt updated. BRIDGECREST ( XXXX ) didnt update my address when I personally called to do so. I am currently caught up on my payments and will continue Lets me be clear every month I made a payment however its reported I didnt pay at all. My car payment is {$450.00} a month I only receive XXXX and just about every month my car is in the shop. I explained to Bridgecrest my issues but they wont help. Im currently fighting XXXX XXXX due to BRIDGECREST IM IN DESPERATE NEED TO HAVE THESE LATE PAYMENTS DELETED FROM MY REPORT. I pay {$450.00} for a car that has over XXXX miles I cant trade it in nor can I refinance. Im in desperate need please help
06/22/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	SC 29625	Web
On XX/XX/18 XXXX XXXX repossessed my vehicle. During the course of the recovery the agent violated SC breach of peace laws and was reported to Bridgecrest. The agent also failed to produce repossession documents as well. Bridgecrest was contacted regarding this attempt and was asked to produce the repo affidavit, copy of title, right to cure and repossession order. This was requested both verbally, in email and from an FOIA request. They referred me to the agent. I contacted the agent to inquire about their surety bond information and insurance. The agent refused to release the info and referred me back to Bridgecrest. Bridgecrest fails to suppy the requested information so I can pursue my claim against them and the agent contracted by them. Bridgecrest also has submitted false facts to the SC Dept of Consumer Affairs regarding their stance on the ongoing situation. Bridgecrest was notified on XX/XX/XXXX that my debt was disputed and they should cease collection activities until investigated completely. They refused this and repossessed the vehicle. I am disputing interest applied on my account, incoreect application of payment, past due amount and total amount due. Bridgecrest continues to charge daily interest even though the car isn't in my possession. They also have failed to produce the state required 10 day letter as well as my personal belongings. Their shady practices and their agents should be investigated.
02/23/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75038	Web
On XX/XX/XXXX I was involved in a car wreck in my XXXX XXXX XXXX that I financed through bridgecrest via XXXX. The vehicle was fully covered with XXXX motor vehicle Insurance & gap coverage through XXXX. XXXX deemed the vehicle a total loss and issued their payment within weeks. As of today XX/XX/XXXX both companies covered the principal cost of the loan but gap took way longer than expected. Being that XXXX covered the vast majority ( over XXXX ) of the principal which was about XXXX, I was under the impression that gap would cover the remaining. Unknowingly to me bridgecrest has still been charging me the note that has now acclimated to over {$1600.00} for 3 months that it took for XXXX to cover the gap. My note was not behind prior to the accident. So this balance is still accumulating on a vehicle thats been totaled and no longer in my possession. When I tried to speak with representatives at bridgecrest they refuse to find a common ground. How am I being held responsible for a note on a vehicle that was deem a loss months ago? This seems like predatory lending. The principal has been paid in full at this point by XXXX XXXX XXXX but bridgecrest is still actively billing me for the note & charging late fees for this vehicle Ive been without for over three months now. I want to resolve this as soon as possible as the fees are still accumulating and my fear is that it will continue to negatively affect my credit.
06/08/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 30044	Web	Servicemember
On XX/XX/2023, my car was in an accident on XX/XX/XXXX the car was deemed a total loss. XX/XX/2023, my insurance company submitted a ck for {$21000.00} then another ck for over XXXX to Bridgecrest. As of XX/XX/2023, my account shows a balance owed of {$26000.00} as Bridge crest reversed the transaction/money my insurance company paid to them. I also have GAP Insurance to cover the difference of my loan. According to GAP insurance it can take up to another 8 weeks for them to process the difference of what's owed on my loan. This is causing me not to be able to purchase another vehicle. GAP insurance advertises to purchase to have a peace of mind. I have not had any peace of mind. The loan holder Bridge crest also sends me letters threating to repo my car... A car I do not have, a car that has been totaled and my account reflects that. Bridge crest also is seeking me to continue to make monthly payments on a car that was deemed totaled almost 2 months ago. How can I save up a down payment to get a new car if I'm paying on a car I no longer own or can drive. I signed over the car to the insurance company. This process should only take 30-45 days ... As Bridge crest has been paid. The GAP insurance will pay off the difference, but Bridgerest is taking so long to correct my account, it makes the process even longer. I also want to despite to ensure nothing negative is put on my credit because this is not my fault.
03/17/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA 170XX	Web
This is the second complaint I've had to file because my intial one was closed. I experienced a temporary hardship that caused me to fall behind on my payments and have me with a past due balance of {$1400.00} and threats of repossession. I filed a complaint a few weeks back and was told that they couldn't help me because they thought I had an " ongoing '' hardship and an extension wouldn't solve the problem. My wife then called them and explained it was a temporary hardship and I am now able to make my monthly payments, I just need help with the past due. She was basically told that an extension still wouldn't be given. So why they made a point of differentiating between temporary and long term hardship in the last response is beyond me. My wife was advised to call this week and set up an arrangement to pay the entire past due. That is something we are unable to do! And now with work shutting down for weeks due to the coronavirus and facing a TEMPORARY loss of income again, I'm hoping CFPB can help me set something up with them. I can make my regular payments, even with the covid-19 shut down, I can make the regular payments, but I need help with this backlog. They are one of the only companies out there that I know of refusing to do anything amid this crisis. To be clear I can continue to make my regular monthly payments. I just need an extension for the past due. Will also be filing a complaint with XXXX.
06/21/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75165	Web
I recently made payment arrangements with Bridgecrest. I have a {$370.00} payment scheduled on XX/XX/XXXX and XX/XX/XXXX. The payments are scheduled to be automatically drafted on these dates. I spoke with a representative during the week of XX/XX/XXXX and they have no record or documentation of the call. However, the payments are still showing in their system. The car was repossessed on XX/XX/XXXX, exactly one day before the payment was scheduled to be withdrawn. I then called and spoke with representatives and they advised that I never spoke with anyone. But they do see my payments in the system. Why would they allow for the arrangements and the drafts if they had no intention of allowing me to prevent the car from being taken? Now, they want me to pay the total amount due in order to release the vehicle, even though I had already scheduled the payments.I made these arrangements in good faith, yet they still took the car. I had explained that I had been unemployed for approximately XXXX XXXX months, and I was trying to get the account caught up, since I have returned to work, but speaking with this company and making arrangements did not prevent further actions. I am now without transportation and unable to reason with anyone. They just provide the same scripted information about policy, but offer no attempt to resolve the error reasonably. I want to continue with my payments and be allowed to keep my car.
01/26/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MO 631XX	Web
Good afternoon, I have a car loan with Bridgecrest that I have been paying off for the last 5 years. I'm currently at the end of that loan, and I have a new job. I've been requesting a " Due Date '', change of payment since XXXX. Every two weeks, I have to call and pay my bill along with the late fees, and request a new " Change of Payment Date ''. I have called several times to request a change of payment. The customer service doesn't seem knowledgeable, and the manager isn't reviewing the request. I feel like they are doing it on purpose to collect late fee 's and It's casing anxiety and sleepless nights! Care note : {$220.00} Every two weeks plus card and late fees! I called their customer service department on XX/XX/2022 around XXXX pm and spoke with an agent and didn't get anywhere. I asked the agent if they were going to mail me the title after the car was paid off, and said he wasn't for sure if they had the title! That really got me upset, and I have lost faith in them. Bridgecrest website FAQ : I paid my vehicle off, when will my title be released? Please call Bridgecrest Customer Service at XXXX for an update on your title release.https : //myaccount.bridgecrest.com/AdviceCenter. 1. Can they submit and correct my due date change? 2. Once the car is paid off, will they mail me a paper copy of my title, like XXXX, customer service, and their website states? Will it have a tracking number?
10/25/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 79705	Web
SATISFACTION OF LOAN AND DEBT RELEASE ( Sent to Bridgecrest XXXX ) I am writing to confirm that account # XXXX has been paid in full and this has satisfied any and all obligation to the said Retail Installment Contract. The final payment ( s ) is hereby made as satisfaction of loan and debt release status as of XX/XX/, showing in the amount of {$14000.00} ( Remaining Principal Balance ), and any additional interest and/or fees associated with account above in accord and satisfaction of debt as a whole. Account status is now Paid in Full as this was confirmed by agent during phone call made XXXX at XXXX and re-confirmed by another agent including title release information via text communication made XX/XX/ at approx. XXXX to ( XXXX ) XXXX. Therefore, any statements made to credit agencies or any other credit reporting bureaus must be made aware that this debt has been satisfied and Paid in Full. Furthermore, you shall refrain from making any more claims in relation to this debt as it is considered to be satisfactory of the loan, including any and all obligations in connection with the XXXX XXXX XXXX, and is now hereby released of any and all debt. Please notate statements on Invoice # XXXX which is an attachment of electronic payments made on XX/XX/2023 ( Sent to Bridgecrest dated XX/XX/2023 ) which confirms payment if full in accord and satisfaction of said debt and payments were accepted by Bridgecrest
07/25/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77379	Web
I never had an account with Bridgecrest. This furthermore proves the violations of information being illegally and fraudulently report to consumer credit report. 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) 18 U.S. Code 894 - Collection of extensions of credit by extortionate means a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. ( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non repayment thereof was punished by extortionate means. Per consumer credit report from Bridgecrest on the following date of XX/XX/2023, that I the consumer owed a balance with Bridgecrest in the amount of XXXX and stated the " merchandise was taken back by credit '' which is also a false information as vehicle was not able to operate due to brake mechanical issues that were no longer under warranty and had Federal recall from the manufacturer.
12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 322XX	Web
The debt is with bridge crest. The debt is not mine. It is of my ex husband. I am tired. I let the debt stay. The debt is in a charge off status and bridge crest has provided me with a letter stating that the status of the loan is in charge of status since XX/XX/XXXX. XXXX and XXXX stated that even though I provided the letter that came from bridge crest stating that the loan is written off, they will not place the correct status of the loan as written off. Both XXXX and XXXX states that it is not their job to correct the fact that bridge crest is reporting this wrong to their credit bureaus. XXXX has decided to remove it as they refuse to report incorrect information. I cant make the credit bureaus validate the information so i sent a packet of 14 pages advising them of my rights to have actual and factual credit reporting. they said if bridge crest keeps reporting it to them they will keep reporting it incorrectly. I have been made fun of, spoken to rudely because i simply want XXXX, XXXX and bridge crest to report that its charges off as stated in the letter bridge crest sent to me. While I will be addressing this later in a lawsuit against all listed. This is causing to my detriment a stop in me getting a mortgage. Please help me at ; least get the fact that this loan is charged off. I have been going at this for months. I need a speedy response with this as i may stay homeless a little longer.
03/11/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30318	Web
Pursuant to 15 U.S. Code 1605 - Determination of finance charge- ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. Finance charge is defined as the sum of all charges according the federal law above. The sum of the finance charge is equal to any or all payments, so that includes late payments. The vehicle was already paid off once the car was purchased therefore late payments do not exist. Pursuant to 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I the consumer never received a mailed " late notice '' within 21 days before the payment due date. Bridgecrest has violated 15 U.S. Code 1666b - Timing of payments, therefore the late payment is illegal according to federal law.
05/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28269	Web
Disputed The Company Bridgecrest on my credit report several times because it was not my account. Someone had stole my identity ( my ID and SScard ) and purchased some credit cards and a car loan in my name. Tried to do the right thing and reach out to the company. A young lady called me after reporting it by the name of XXXX. Seemed nice at first. She told me to send them a copy of my drivers license, sscard a notarized identity theft affidavit and that should clear things up and they would take it off. She then sent a email and a letter to my house explaining the same 3 things to fax to them. I did exactly what she asked of me to do and then she called me back stating they needed some more documentation showing bills front hr past few years and etc and that would help with my case. I told her it was ridiculous! Something told me to go online and look this company up and when I did, I haven't seen not one good comment about them. I even saw where someone who actually had a actual account with them paid off their loan and they still put it on their credit report as not paid off. I am tired of battling with this company trying to prove to them that the account with them is not mines. They are being stubborn and yes, when I called in to ask for XXXX they were very rude on the phone. I couldn't believe it! I now have to waist money and seek legal help with this company from their unprofessionalism!
02/16/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92374	Web	Servicemember
BRIDGECREST did not respond to my last CFPB rsponse. They know that they recieved the authenticated XXXX from the Treasury from my estate UCC treasury account for the payoff and address they gave me. After taking 2 months to verify that and had the funds ready and sent certified mail, BRIDGECREST refused the LAWFUL payment under UCC 3-603. After further review and communication, since they have not diclosed any prefererred payment methods and on top of that, having no direct contract, the contract they sent back is with Carvana NOT Bridgecrest or any parent company. They should have forwarded a 1099 and the XXXX as lawful payment. Since they cant do lawful business, and demand DEBT without contract, they are not only breaking federal law, but damaging my credit score and credit of account. This is illegal and disturbing for a company especially with no contract to act this way. They need to reply IN WRITING a valid and lawful solution. Since they have not, I have reserved my rights to rescind my signature nulll and void ; 15 US code 1635 ; with XXXX as this was a mutual mistake of contract. BRIDGECREST made a mistake. Under federal law, this Letter and Right of Rescission due to " mutual mistake '' being the legal reason for rescission, has been delivered to BRIDGECREST on XX/XX/22. They have not even responded to the letter. Thank You. XXXX XXXX XXXX ESTATE - Beneficiary - All Rights Reserved
04/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WI 54601	Web
Bridgecrest formerly XXXX Date XX/XX/2021 Amount XXXX This company had me believe that I was only paying XXXX altogether but later on tells me they added interest of the vehicle which came out to almost {$32000.00}. I was not aware of this because when I filled out the application it was telling me the interest was already included in everything but I will get preapproved for XXXX and when I asked him about the hidden fees, they told me it was just interest, so I gave them a car back because they car they try to sell me had multiple problems when they gave me the car as I was driving down the street the car was being rained in while it was raining outside so the whole interior get wet and I asked him to swap me out a new car but they told me no they cant. They just gon na keep fixing the car. Ive had the car fixed in the same problem still occurred so I finally got tired of it. Just let them repossessed a car they overcharged me for a car and my credit score was about maybe a XXXX at the time and they told me thats all I can afford. When I know I could afford something better and didnt wan na give me my money back when I ask for my money back within the seven days. And didnt want to take the car back at all. They laughed and lied about a lot of things. Made a fraudulent misrepresentation or advertising regarding the car you purchased. The car had mechanical issues shortly after you bought it
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53211	Web
15 U.S. Code 1666b - Timing of payments U.S. Code Bridcrest is in violation of my federal rights by reporting late payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), May 22, 2009, 123 Stat. 1742 ; Pub. L. 11193, 2, Nov. 6, 2009, 123 Stat. 2998. )
01/05/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 43605	Web	Servicemember
The FDIC recently forwarded a complaint to the CFPB on my behalf about wrongful billing tactics and harrassment of my current automobile loan. The CFPB did reach to Bridgecrest located in XXXX, Arizona and a manager from Arizona contacted me on XX/XX/2022 and XX/XX/2022. The manager did not allow me adequate time to communicate with her. On XX/XX/2022, two repo men came to my residence to repossess my automobile. On XX/XX/2022, my car was wrongfully repossessed by Bridgecrest. The repo men blocked my driveway. The repo men did a breach of peace. Insults were shouted at me by a third man in a white vehicle. The repo men violated privacy laws about my account information ; via communication of my account status to someone in the parking lot. I am a United States veteran. The repo men did not notify the police of their activity beforehand. The compliance manager from bridgecrust contacted me from arizona XX/XX/XXXX i missed hte call and they left a voicemail. I wasnt ready no answer her questions so i didn't call back. XX/XX/XXXX she called again 3 cars went to my house they blocked my drive way i had to contact the police. They were telling my neighbors and my police how much i need to pay them. They were telling me i need to pay my bill. There were compliance issues there were not proper issues for the account now they performed an audit and i had been asking them to that long time ago.
03/08/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30318	Web
Pursuant to 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. Bridgecrest has mailed letters to my place of residence which serves as a form of communication. Pursuant to 15 U.S.C 1692 Section 804 ( 2 ) ( 2 ) not state that such consumer owes any debt ; Bridgecrest has mailed a letter stating I " owe and alleged debt '' ( not state that such a consumer owes any debt ). Can you reference the federal law that states I owe the debt under the Federal Debt Collections Act? Does your contract supersede federal law? Bridgecrest has a legal obligation to abide by federal law under the Federal Debt Collections Practice Act. Bridgecrest has not provided an appropriate federal law to respond to my CFPB complaint. Once again the federal law under the Federal Debt Collections Act governs your contract. Please review your incorrect response and respond accordingly as you have violated federal law by indicating on your letters that This is an attempt to collect a debt. Any information obtained will be used for that purpose. Please note based off the federal law I provided in my CFPB complaint that statement is illegal and potential legal actions could be faced by your company if the law is not followed.
09/02/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 273XX	Web
On XXXX XXXX, 2016 XXXX am, XXXX and Bridgecrest Acceptance caused a third party to remove the car I have financed with them from my property even though the account was current and in good standing. The company claims that because my first payment was delinquent, they have the right to repossess. Their claim is that I was in default of the finance contract. However, the formerly delinquent payment had been made on XXXX XXXX, a full week prior, along with any late and transaction fees when the company took the property ( car ) from my possession. It should be noted that I had been in contact with Bridgecrest ( XXXX ) with some regularaty as to the reason for the late payment. My view is that the company violated the contract we had and that they violated the law by removing the car from my property. Conversations with the redemption department have come to no acceptable resolution. I informed personnel that I would file a civil action against the CEO XXXX XXXX XXXX and president XXXX XXXX in order to have the court review the contract performance by both parties. Again, this suggestion resulted in no favorable outcome for me. The company has not indicated what action they will take next. I am left to assume they will proceed with typical repossession actions. The company stated they would be " unwinding '' the loan but that I would not receive my down payment or subsequent payment ( s ).
04/12/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 27519	Web
I have been asking since XX/XX/XXXX to defer payments due to covid19. I was told my loan was too new and ineligible for deferment. My hours were reduced on XX/XX/XXXX and my office closed on XX/XX/XXXX. I put down XXXX at the end of XXXX to purchase my car and made my next payment on XX/XX/XXXX. I am on biweekly payments and was unable to make a payment. I had a payment due Friday and Friday night my car was repossessed. Its going to cost me over XXXX to get my car back. I cant even put into words what Im feeling. The entire world is facing disaster. My state is under a state emergency. How was there no leniency regarding this? My balance due was {$320.00} and I was not even 30 days behind. The last four of my social are XXXX. Please. Please have someone look into this for me. I need my car. Please tell me this company can not be so heartless to repossess anyones vehicle during this time? Ive been calling twice a week sinceXX/XX/XXXX XXXX. Im reaching out with genuine sincerity in hopes of resolving this issue and getting my car back without suffering the outlandish repossession fees. Please help. You should feel ashamed. A human made the decision to take my car from me. How incredibly disheartening. # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # covid19 # coronavirus # repossesion # wheresmyeconomicassistance # XXXX # thieves # covid19unemployment
02/20/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	VA 23666	Web
On the date XX/XX/2021, I did a consumer credit transaction with XXXX, XXXX online dealership and extended my credit with a finance charge through Bridgecrest. I'm the original creditor extending my credit using my credit card ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. Mind you the finance charge is a total of {$13000.00} exact but this dealership and Financial Institution gave me a total sale price of XXXX ( see attachment Retail Installment and Security Agreement ) That is a total of {$21000.00} charged over the sum of all charges which is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). The finance charge section under my signed contract does not include my insurance coverage which should, which downright breaks federal law pursuant to 15 USC 1605 ( a/5 ) ( see attachment page 2 ). Under the Sub chapter of the TILA Section 1026.5 ( b ) Time of Disclosures. There is no 21 day notification of statements nor grace period established. I was told to screen shot the ledger for the account online and was refused validation of documents in writing for the ledger. Sadly this is fraud so this contract is now void.
12/28/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MD 20708	Web
I sold my car back to XXXX on XX/XX/2021, and the loan was handled by Bridgecrest. After I sold the car back to XXXX, I was supposed to get a refund from Bridgecrest for approximately {$610.00}. Initially, Bridgecrest had the wrong address when I called on XX/XX/XXXX. I gave them the correct address and they assured me that the refund was on the way. After not receiving anything, I called them back on XX/XX/XXXX and asked for a status update. They mentioned that the ticket was in a holding pattern and wanted to make sure my address was correct. I confirmed the right address and continued to wait. I called again on XX/XX/XXXX, and one of their associates, XXXX, assured me that the issue had been corrected and that I would get my refund in the coming week. I reached back out to Bridgecrest on XX/XX/XXXX. They mentioned that the refund was issued on XX/XX/XXXX and I would receive it in 7-10 business days from XX/XX/XXXX. I checked my mail on XX/XX/XXXX, and the check was not in my mailbox. I reached back out to Bridgecrest today, XX/XX/XXXX, and XXXX, from their XXXX department, said that they sent the check to the wrong address again. I confirmed the address with XXXX different people over the last few months, yet they still sent it to my old address. If this were to send my payment in late, they would have charged me a ton of interest and fees. I just want my refund check.
04/29/2020	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	IN 46323	Web
I have been off from work since XX/XX/XXXX due to covid 19 I contacted my finance company bridgecrest to shut down my auto pay I had set up because I knew I wasnt getting anymore checks from my job and I had to file for unemployment the day before I called them they had just taken a payment my payment is due every two weeks I explained to the lady that I didnt have an exact date that I could make a payment because I had to wait for unemployment to start up she said ok 3 days later I receive a call asking me did I come up with the money or date I can pay even when the account was not even pass due yet. There after I have received a call from this company everyday harassing me about a payment I finally just received my unemployment this week I made a payment so Im 1 payment behind they called 3 times in one day pressuring me to make another payment. This company has no empathy for whats going on in this world they are bullies who are stressing people out more than they already are by calling them multiple times per day demanding payments that some of us just cant make at this time. They even threatened repossession on a few people and I think it is ridiculous and they should be stopped i have enough stress right trying to pay rent and all my other bills and they act as if they are the only important bill that needs to be paid no sympathy at all their agents are rude and absurd.
12/04/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	CA 95823	Web
Illegal advertisement of downpayments and installments, Lack of full disclosure, and no equal consideration of contract I had to pay a {$1000.00} downpayment when purchasing from this company which is not a customary sum for a down payment which is a requirement according to the following US code : 15 U.S. Code 1662 ( 2 ) - Advertising of downpayments and installments Stating No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. XXXXBridgecrest put up nothing of value on their end so they had nothing to lose ( no equal consideration and lack of full discolsure ) I have reached out to Bridgecrest via mail requesting a full accounting of my accounts but was denied and threatened. The following code shows the loan application that is tendered is equal to the amount of Federal Reserve note that the application is applying for. 12 U.S Code 412 Application for notes : collateral required The second sentence of this code states : Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.
03/01/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30339	Web
I have disputed the XXXX/Bridgecrest account on my credit report for inaccurate information several times since XXXX, again in XXXX, and most recently sent in again in XXXX of XXXX. This account has multiple inaccuracies being reported which have been negatively impacting my credit. In some instances it shows as an open account. This account is not an open active account. Second it has a charge off status and is reporting a past due balance of {$600.00}. How can an account that was charged off in XX/XX/XXXX still be reporting as open, active and with a past due balance? Furthermore based on how The Internal Revenue Service treats charge offs as ordinary income and income can not be reported on consumer reports. According to 15 US C 1681 e ( b ) Accuracy of Report Whenever a Consumer Reporting Agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals about whom the report relates. I have previously requested that you delete this account and now will be escalating to the CFPB as I believe that XXXX/Bridgecrest is in violation of 15 US C 1681 s2a Reporting Information with Actual Knowledge of Errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
12/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27410	Web
In XX/XX/XXXX I got behind in my payments, but was never put up for repossession. In fact I have had the car for 2 years making my payments and I was never up for repossession. I early XX/XX/XXXX I went online to make the payments to get back on track and discovered I no longer had an account. I contacted the company and they informed me that my account had been charged off on XX/XX/XXXX. No being a business guy I only assume they did this because the company had changed names and they wanted to get rid of " bad debt '' under the old company name. This is a nationwide company I am speaking of. The company is Bridgecrest formerly XXXX. I received no correspondence from them regarding the charge off. No a letter, email, or phone call. So here were the terms of what they offered me. I could pay the past due amount and then make monthly payments and keep the car till it was paid off. Yet, on my credit report it would show as an account closed and a charge off. Which in turn no shows up as a repo and a past due balance of almost {$7000.00} which is not the case! I have made every payment on the vehicle and still have it in my possession. They also refused to provide me with any paperwork about the new agreement. They have refused to budge on the credit report issue and stated that even when the car is paid off they will not change it and it will still be listed as a charge off.
05/05/2017	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IN 46260	Web
I obtained a lease thru XXXX XXXX XXXX, XXXX. Was told payments were monthly when they were actually bi-weekly. I called XXXX and they advised that could n't be changed. After purchase, advised the salesman of numerous problems with vehicle. I was advised lease as is and nothing will be done about them. I went to a manager and requested a review or lower price due to problems. Manager said would only address XXXX problem ( rubbing noise in front right tire area ). Issue was looked at twice and never repaired. Made payments on time. Numerours times I requested a balance and/or statement, was told they do n't have ability to pull up?? Lost job XXXX XXXX due to company closing. Called XXXX, they advised there is no assistance on leases and have to pick up vehicle. Struggled to make payments. Made payments on time until XXXX XXXX. Called XXXX XXXX, XXXX and advised need assistance. Was told loan is now with Bridgecrest ( no communication on this until tried to make a payment ) They just requested job and phone and again said could n't help. Made payments XXXX a month. XXXX XXXX, XXXX car was repossessed. I called to ask why as I was never called, emailed or sent mail to advise of possibility of repo. Rep advised have n't received payment in 2 months when last payment received was XXXX/XXXX/XXXX. I asked to speak with a manager several times XXXX XXXX, XXXX and was denied.
12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	CA 94603	Web
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the recent repossession of my vehicle and the inaccurate reporting of the outstanding amount by the finance company. The vehicle in question, XXXX XXXX XXXX XXXX XXXX was repossessed by Bridgecrest. Following the repossession, I promptly contacted the finance company to settle the outstanding balance. I can confirm that the vehicle has been sold, and the payment has been made in full, in accordance with the terms of the loan agreement. Despite the successful resolution, I have noticed that the finance company continues to report an inaccurate amount to the credit bureaus. This discrepancy is causing a negative impact on my credit score and financial standing. I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that the reported information accurately reflects the resolution of the account. I have attached relevant documents, including proof of payment and the sale of the vehicle, for your reference. I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will work to rectify the reporting discrepancy, allowing for a fair representation of my credit history. Thank you for your assistance in resolving this issue. Sincerely, XXXX XXXX
04/07/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IN 46239	Web
There are a couple of issues with this loan : 1. The car is a lemon. They sold this car to me XX/XX/XXXX for over $ 14k. Trade in value for this vehicle on XX/XX/XXXX is $ XXXX. I have tried to trade this vehicle in and even refinance it to get a lower interest rate several times and it is impossible to get anyone to even look at it. I still owe almost $ 12k on this vehicle over 3 years after purchasing this car. 2. I do not believe that payments are properly being applied to interest and principal. I do not see where my down payment was even applied to principal when I first took out the car in XX/XX/XXXX. This payment was reversed out of their system and it appears that I was paying monthly payments as a down payment in XX/XX/XXXX. 3. I got behind on making payments in XX/XX/XXXX and had asked several times that Bridgecrest assist me with getting caught up. I was unemployed from XX/XX/XXXX-XX/XX/XXXX and then got a full-time job at the end in XX/XX/XXXX. I asked for their assistance with a forbearance or something that would keep me caught up and they refused to help until finally a call to a rep in XX/XX/XXXX got me caught back up and paying on schedule. I was still making payments throughout XX/XX/XXXX. They reported me late to the credit bureau 6 times in XX/XX/XXXX and I do not believe they should have if forbearance options were available the whole time.
01/18/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 287XX	Web
In XX/XX/2020 I financed a XXXX car through Bridgecrest. Once the financing was approved and completed and the car was delivered and I was able to set up and log in to the site to schedule my first Bridgecrest payment. It was only then that I discovered that there was no information about my loan on the site other than the amount of money I paid and the date it was withdrawn from my account. There was no a ) current balance b ) interest rate c ) applied principal v. interest d ) fees, tax, other misc. charge info XXXX ) proof of GAP coverage financed, etc. Again, the only information available was the amount of payment and the dates I've paid them. I have never seen anything like this from a loan company before so I reached out to find out where I could retrieve this information each month when I make my payment. Unfortunately, so far, I have never been given any alternative options to learn what happens to the payments I am making, how they are applied, or what they are applied to. Instead I am confronted with more questions. Isn't transparency and full disclosure required by financial institutions in the U.S.? My hope is to compel Bridgecrest to provide all customers with consistent, complete, and reliable information on the status of each loan to every customer. If this is not already a legal requirement by all financial institutions it certainly should be.
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77379	Web
Ive made payment arrangements as I had financial issues and made my payments. Later I found out I was reported to the credit bureau without my knowledge as I was making my payments. I tried to talk to them to remove it and their response was, whats done is done. I never gave my consent to the report as I was making my payments. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
10/20/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MI 48197	Web
I purchased a XXXX XXXX XXXX on XX/XX/XXXX, from XXXX. It was financed through Bridgecrest. The XXXX had multiple issues, including a replacement engine ; however, I still made on time payments to Bridgecrest through auto-withdrawals in XXXX and XXXX. In XXXX, XXXX let me know they are doing a backout on the XXXX, because they claim the mileage didn't match their title ( they actually rolled back the miles, but that's a separate case I have ). I approved the backout, and XXXX issued Bridgecrest to reverse my two payments. Which show in the portal ; however, it now shows I have a balance due of those two payments, and for the past week they have called two to three times a day. Every person I spoke to, I explain the situation, they open up my record, and see that I am all good ; however, they must not open my record before calling. Also, my reversed payments still haven't showed up in my bank account, they said it could take 30 - 90 days to refund my money ; however, they use threatening terms like they are going to report me to the credit bureau, and they are charging interest, even though they are the ones who issued the reversal. Needless to say, I am burnt out, they won't stop calling during work hours, they say they add notes to my file ; however, whenever I talk to them, they apologize for threatening me, and calling me, but still keep doing it.
06/06/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 76039	Web
Early morning XXXX/XXXX/2016 I came outside to go to work and my car was gone. I currently have a loan with Bridgecrest financial formerly XXXX. I had to wait until XXXX cst to contact their offices in Arizona I spoke to the redemptions department a gentleman named XXXX who informed me that my car was repossessed I was in shock when I have been making payments and arrangements every two weeks with an account manager and had a current documented arrangement for XXXX/XXXX/2016 He then advised me they will have to look into the issue and call me back. About an hour later I received a callback from XXXX who advised that what I said was true the call with the previous agent I made arrangements with was pulled. So the company admitted to wrongfully repossessing my car sighting it as an " system error ''. I was then advised they would pay all fees but I would have to go get my car I advised that is unacceptable and it should be brought back to me since I had no means of transportation. I was then told it could take up to XXXX10 business days to bring back my car that they wrongfully repossessed. I was upset and at the mercy of the lien holder I missed a whole day of work and had to pay XXXX dollars to take a cab an hour away to retrieve my car they wrongfully repossessed. I want to be compensated for the time I missed and money I lost because of their error.
10/27/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	KY 421XX	Web
On XX/XX/XXXX, we moved to another state and submitted a request to transfer title. The DMV faxed Bridgecrest Acceptance Coprporation ( subsidiary of XXXX ) a request for title transfer on XX/XX/XXXX. I have made several phone calls to this company ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ) and received conflicting information regarding the title transfer. Several representatives advised that the title transfer process would take 7- 10 business days, and that the request was in process. This was a lie. As of XX/XX/XXXX, I was told the process would take an additional 8 weeks to make a state title transfer, which means that the state will not receive the title until XX/XX/XXXX. Without the appropriate license plate, I can not legally drive the vehicle for the next 2 months. The company consistently fails to acknowledge customer concerns, and makes it hard for the consumer to transfer their business to another company. Bridgecrest Acceptance company is a subsidiary of XXXX, and XXXX that was investigated and charged with fines in XXXX for poor business practice. Please investigate Bridgecrest. Please also see the numerous XXXX XXXX XXXX complaints filed against this company regarding title transfers, pay offs, and potential insurance fraud ( regarding accident insurance claims ) XXXX : XXXX or XXXX search bridgecrest complaints XXXX
10/06/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	PA 184XX	Web
Moved to XXXX from XXXX. Need the car title to register the vehicle in XXXX. Title & tag place I went to requested the title via fax, as per their website. I followed up 3 days after request was sent & was told that they didn't receive the fax. Was told to email the request to them, which was done over a week ago now. Spoke with rep there who said they received the request, but that they also needed a XXXX DMV form MV-1 in order to provide the title, which is NOT true - that is the form to submit the actual title / registration change ( with the title ). Now I'm told that they actually do NOT need th e MV-1 ( which is correct ), but that they never received the request for the title via email or fax, even though they verified that they received the email request earlier today! XXXX law requires that the car be transferred to XXXX within 10 days, and it's now 13 days that I've been going back & forth with them over this, with no end in sight. Now the XXXX registration is also expired, so we can not even drive the car!!! I've made every single payment on time & am well past the time required by law to register the vehicle in XXXX at this point. Despite talking to about 15 different people there over the course of the last 2 weeks & spending 10+ hours on the phone with them, they refuse to provide the title so that I can register the car in XXXX.
10/30/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NC 282XX	Web
XX/XX/XXXX Registered Mail ( RE XXXX XXXX XXXX XXXX ) was sent out to XXXX XXXX Senior Chief Securitizer/Treasuer for Bridgecrest Acceptance Corporation ( XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ) the registered mail was valued at {$100.00}, XXXX. It contained my securties, IRS tax forms, and a letter of instructions. The instructions was not followed by XXXX and he forwarded my securties, IRS tax forms, and letter of instruction to the customer service department. Customer service sent my securities, IRS tax forms, letter of instruction back Certified mail ( XXXX XXXX XXXX XXXX XXXX ). XX/XX/XXXX, I sent a second registered mail ( RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ). It contained my securities, IRS tax forms, and another more detailed letter of instruction. XXXX knowing and willingly forwarded my securities, IRS tax forms, and letter of instruction to the customer service department. I have attempted to contact XXXX via phone on several occassions ( XX/XX/XXXX XXXX and XXXX XXXX, to no avail. My securities, IRS tax forms, and letter of instruction was mail back to me first class mail, folded up in a small envelope. Stating Bridgecrest Acceptance Corporation couldn't fulfill my request, because I sent the second registred mail from my business address and not the address on my contract.
11/07/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30058	Web
I believe that I have been a product of predatory lending XXXX XXXX XXXX XXXX and currently goes by the name of Bridgecrest. I purchased the vehicle from them in late XXXX for XXXX. I have been paying on the vehicle since then and as of today 's date I have already XXXX. The company states that I still owe XXXX dollars which is predatory. I was never told that I would be paying of XXXX for a vehicle that was work less than XXXX upon purchase. The sales person also stated that I would be able to pay the vehicle off early but when I called the lender they stated that I could n't. The sales person also stated that I would be able to refinance the vehicle with the lender and when I called to try and refinance they told me that I also would n't be able to so. When signing the papers the sales person had me thinking XXXX thing but eventually turned out to be a bunch of lies and untrue sales tactics. I have already paid for this vehicle more than twice and they said I still owe over XXXX dollars for a XXXX XXXX XXXX XXXX with XXXX XXXX miles. Research indicated that this company has been predatory with there loans and tactics for many yea years to make astronomical money and taking advantage of customers. I want my money back for inappropriate sales tactics and predatory interest rates. This is injustice to all consumers. They need to be shut down.
10/25/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 75067	Web
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.
03/13/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	GA 30060	Web
My name is XXXX XXXX and I purchased a XXXX XXXX from XXXX. The car was a defective car from the beginning. I continued to pay my car payments and also I paid for REPAIRS to the car. The car was under a RECALL/ CUSTOMER SATISFACTION and I was told to bring the car in, this is after I had paid for repairs to be done on the car. I had the first part of my repairs completed and was told to drive the car for 1,000 miles then come back. upon returning to get the other part of the repairs done I was told that I was over the limit of miles! XXXX was refusing to fix the car, foot costs for repairs. The internet was becoming OVERWHELMED with situations dealing with the XXXX XXXX. I VOLUNTARILY gave this car back to XXXX because in XXXX there is NO WAY I could continue to drive a car that didn't pick up speed, that would stall in the middle of 6 lane high speed traffic. It was a death trap. I am apart of the class action lawsuit against XXXX and I would like this account to be REMOVED from my credit report. For this car to be causing creditors to second guess my ability or willingness to pay is NOT FAIR! This car was found to be defective. MANY people have filed suits. I would like this account on my credit reports ( ALL THREE BUREAUS ) to be REMOVED! I have paid over {$3000.00} in repairs in which I am pursuing the courts to get reimbursed.
10/30/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	GA 30008	Web
I sent correspondence by certified mail to Bridgecrest on XXXX XXXX, XXXX requesting my disclosures pursuant to 15USC1681a, the Gramm-Leach-Bliley Act, and 15USC6802 that without which they were not permitted to disclose my information to any unafiliated 3rd parties, specifically the Consumer Reporteing agencies or collection agencies. I provided my name, address, account number they furnished to the CRA, the account number of the collection agency that acquired the account, and the make, model and VIN of the vehicle associated. Failing to produce the disclosures, I required that the account be deleted from the CRAs and noted it was a violation of my privacy rights noted in the above laws referenced. They responded claiming they were unable to fulfill my request due to insufficient information citing that their records indicate a different address and that to process my request they had to verify my address by me logging into their system and updating my information there. The burden of proof lies with them. They were able to answer my letter to the correct, current address which I furnished and they returned the letter I sent to them with their letter to me. I provided more than enough information for them to identify and verify my account information and process my request if the actually had the appropriate disclosure on hand.
10/14/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75240	Web
After I made a series of complaints against Bridgecrest because my payment was not being applied correctly I have noticed that I am no longer able to make a payment online. I get an error message every single time I try to make the online payment and I am forced to call into bridgecrest when their offices open and make the payment with an agent. This has been going on for XXXX months now. I have spoken to Bridgecrest agents about this and they are aware of the problem. Yet in XXXX months the issue is not fixed. This is clearly retaliation for my making the complaints. I have a right to file a complaint with regulatory agencies and I am not suppose to face retaliation for doing so but this is clearly retaliation. I even spoke with an escalations agent who said when she logged into my account she can make the payment. She does not encounter an error message. But I do. I demand this issue be fixed. I will not go the life of this loan being forced to call in to make every single payment. I also demand all charges from making the payment with a bridgecrest agent be waived since bridgecrest has taken from me the right to make my payment online. I also can't contact Bridgecrest any other way than by phone as they have also removed my ability to contact them through their website. That too responds with an error and tells me to call in.
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77449	Web
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate/fraudulent account information that remains on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report.I have sent multiple letters to the credit reporting agencies disputing the accuracy of the account information, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims.I have also sent a letter to the creditor disputing the account and demanding the immediate removal of the account from all credit reporting agencies, as well as provided documentation such as a copy of my FTC Report, police report, and other documents allowable by law to support my request to this creditor regarding this error. The creditor has failed to respond to my request. Despite my efforts, the inaccurate / fraudulent account remains on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
05/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 782XX	Web
I bought a car in XXXX from XXXX and bridgecrest was the company that financed the vehicle. My bank, XXXX XXXX, approved me for a loan to refinance the vehicle with better terms. I sent a check for {$26000.00} which Bridgecrest told me was the 10 day payoff amount on XX/XX/XXXX. Bridgecrest sent me a text message thanking me for my payment of XXXX. On XX/XX/XXXX one of their customer representatives called asking for payment on the vehicle. When I investigated the situation with my bank they said that Bridgecrest didnt endorse the check properly so my bank didnt release the funds.When I told one of their customer service reps what happened, they emailed someone in customer relations and told me to wait on a response. Bridgecrest sent me an email the same day telling me to send another check for the new 10 day payoff quote, which was an additional {$220.00}. I got another check from my bank on XX/XX/XXXX for {$26000.00} and I sent it overnight along with a personal check for {$220.00}. On XX/XX/XXXX they processed the check for {$220.00} but as of today, XX/XX/XXXX, my bank states that they have yet to process the check to pay off the vehicle. I have called several times and spoke with customer relations agents but all they do is send an email to their managers and I never get a call or email from anyone at this deceptive company.
06/15/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 23504	Web	Servicemember
On or about XX/XX/XXXX , my brother paid my car payment out of his XXXX XXXX XXXX Account in the amount of {$230.00}. The payment cleared his account on XX/XX/XXXX payable to XXXX . Shortly after that I checked my XXXX XXXX Account to discover that on XX/XX/XXXX , Bridgecrest debited my account in the amount of {$220.00}. I contacted Bridgecrest and they informed me that they had no record of the XXXX XXXX Payment and that they did not automatically debit my account because I was no longer set up for automatic debit. I called XXXX XXXX and was told that Bridgecrest did do an automatic debt. They informed me that the transaction was a ACH transaction which means that the payment was automatically debited. Bridgecrest still insist that they did not debit my account. I was told to fax the bank statements to them, in which I did, and that someone would look into it and contact me. To date, that has not happened. They have called me every other day about making a payment but no one has contacted me about resolving this issue. In one conversation I have with a rep who called me about my payment, she said that she did see both payments but because I was behind one of the payments were applied to the previous cycle. I informed her that I was not behind on my payment, therefore I should have an extra payment
07/01/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CO 80014	Web
I was contacted this morning regarding my delinquent auto loan. I am past due {$460.00}. I have been asking for a deferment on this payment for months. Every time I contact the company asking for assistance I am told no. So I have continued to make my required monthly payments. Today, I was contacted by a representative and was told the my car was actively out for repo and that I had to make a payment or they were coming to get my car immediately. So I set up a payment that I can not afford. Shortly after this phone call I received an email from the company offering me a deferment on my past due payment. So I called back hoping for some assistance and I spoke a representative by the name of XXXX. I advised him of the email that I received and expressed that I would like to take advantage of that offer. He told me that the email is just a suggestion and that my account did not qualify for a deferment. I told him that the email stated that I did. I then requested to speak with a manager at which point he told me that he would submit my account to a manager queue and a manager would call me back at some point. XXXX representatives were extremely unfair, deceiving and abusive. The representative by the name of XXXX stated, " Go ahead theaten me, I ai n't doin ' nothin ' wrong. '' when I advised that I needed to speak with a manager.
02/26/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NY 11101	Web
I purchased a vehicle from XXXX in 2019. My account was assigned without my knowledge to Bridgecrest. I was recently looking over my car contract with XXXX and noticed several discrepancies. First I was forced to leave a downpayment or I could not get the vehicle unless I gave {$2000.00} down. They committed fraud by requiring cash with a consumer credit transaction. I was also never informed of my right to rescind or given recession paperwork. That is against the law and a violation. There are also a ton of charges which I do not understand and was not provided with any explanation as to what they are for. The finance charge is the SUM of all charges. I have recently received mail from Bridgecrest after sending a cease & desist. Bridgecrest are still contacting me without my expressed written consent.The letter which I have attached made several defamatory statements and is defaming my character. Harassing phone calls throughout the day and night. Threatening mail which included threats of legal action and false claims were made against me which have caused willful injury. I have also noticed my signature/ notarization missing from the Power of Attorney form which is fraud because I never authorized anyone to act on my behalf. I no longer want to do business with you. I have also attached a copy of your arbitration agreement
03/14/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PA 17042	Web
BRIDGECREST ACCEPTANCE CORPORATION MAILING LOCATION XXXX, AZ Due to COVID-19 in XX/XX/XXXX i stop payment on the truck they finance and i have send them a debt validation letter and they ignore my letter and in XX/XX/XXXX they came and repro my truck and they did not notify me that they was going to repro my property, the repro company ( XXXX XXXX ) stole money that i had in the truck and they came on my property illegally and stole ( REPRO ) my truck. I have ask BRIDGECREST numerous times to present me with the original promissory note so i can settle the debt and they have not present me with such promissory note.The law in Pennsylvania state that in order for a finance company to repro your vehicle they must notify the debtor of such repossession through register mail and they CAN NOT breach the peace, well the repro guys came on my property with guns drawn and i was in my truck when they drove and block me from moving my vehicle and the police was call, the police want me to hand over my property to these guys that i did not know where they was from and i tell them i am not abandoning my property and they arrest me for protecting my property. i have no idea where my truck is locate and i paid the constable to recoup my belongings and i had to pay the recovery pro for storage and they stole my money that was in the truck.
06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30274	Web
Creditor Name : Bridgecrest Account # : XXXX Date opened ( XX/XX/18 ) 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additionalclarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty daysbefore the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	GA 31768	Web
On XXXX XXXX, 2020, I contacted Bridgecrest at XXXX regarding a financial hardship I was presently experiencing, NOT RELATED TO COVID-19, and made them aware that my XXXX payment will be late. They documented same and immediately begin harassing phone calls and emails regarding my payment delinquency. Although, I made my XXXX payment as soon as I could ( XXXX XXXX, 2020, when I received my XXXX check ) ; they threatened me that if I did NOT make my XXXX payment before XX/XX/XXXX, they will submit to credit bureaus, derogatory remarks/delinquent/etc. and they did causing my credit score to be reduced by " XXXX POINTS ''!!!!! As I had been working so hard and so diligently to get my credit back on track after bouncing back from Chapter XXXX bankruptcy ; this really hurt me and my continued efforts to strive to increase my credit and get back on track. When I called on yesterday, XX/XX/2020 and spoke with a supervisor at Bridgecrest, she admitted to be aware of the conversation regarding my hardship ; however, she stated that " unfortunately because my payment was more than 30 days late '', there was nothing to Bridgecrest could do. Please note that I was one ( 1 ) payment late and this should not have caused this HUGE reduction in my credit score. Thank you so much for your time and consideration. Sincerely, XXXX XXXX
01/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32244	Web	Older American
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX. On XX/XX/XXXX the car stopped on the highway unexpectedly, I assumed it may have been the battery and had the vehicle towed to XXXX XXXX XXXX XXXX located in XXXX, Fl. In the interim I reached out to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX to notify them of the vehicle status. On XX/XX/XXXX I received notification from XXXX of XXXX XXXX that the Catalytic converter was missing and it appeared to have been sawed off/stolen. I believe the vehicle was sold to me with this part missing and a proper inspection would have discovered this issue. I brought this to the attention of XXXX XXXX on XX/XX/XXXX and was advised to have XXXX XXXX XXXX XXXX file a claim with XXXX XXXX to review for repairs. I was notified by XXXX on XX/XX/XXXX that the warranty company would not install a new catalytic converter. I was then instructed to file a claim with my insurance company for theft, although I am quite certain that the part was missing when they sold me the car. Now I am stuck with a vehicle at the repair shop and a bill totaling {$3900.00} to add a missing part. I believe the dealership took advantage of me and knowingly sold me a vehicle that was not properly inspected which could have resulted in a major accident.
04/02/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34953	Web
I purchased a XXXX XXXX XXXX XXXX, through XXXX, the loan servicer is Bridgecrest out of XXXX Arizona. Basically, they are takign my money and principal reduction payments and applying them toward interest. I have called many times and written in, still they are not applying my principal reduction payments toward principal. so, every month i pay XXXX for the car and XXXX toward principal reduction, so i pay {$600.00} total. they keep only processing it as a regular payment. Additionally, to PROVE this, i wrote a check with " To be applied to principal reduction ONLY '' on the check, along with a letter explaining the issue and that it should XXXX applied TO PRINCIPAL ONLY ( letter below ) They took this, and also applied it toward interest! This company is SCAMMING people on a large scale!! I HAVE PAID {$1600.00} this month on a XXXX car payment, and they have me PAST DUE FOR {$29.00}!! **I have the check to prove it, the letter i wrote, AND a recorded phone call with bridgecrest showing their tactics ( the go silent on the phone when you call in after making you hold for 30 minutes, then they wont speak, and wait for you to hang up!! ) its deplorable! PLEASE stop this company from scamming good people trying to pay off their car! MY LETTER THAT WAS ENCLOSED WITH MY CHECK TO BRIDGECREST IS ATTACHED.
05/13/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TN 37922	Web	Servicemember
XX/XX/2020, I purchased a car from XXXX using an extension of credit from my XXXX XXXX XXXX XXXX Signed a bilateral contract between XXXX and the beneficiary of the trust. Undisclosed to me was the fact that my private information would be sold and given to third parties without my consent or knowledge, this is identity theft and fraud. I have sent numerous debt validation letters but none have been properly validated. Furthermore, upon receiving information on the original creditor, XXXX, and requesting a debt validation, XXXX responded saying they were unable to validate. I have sent BRIDGECREST, the third party collector, numerous debt validation letters in which BRIDGECREST sends unvalidated, altered documents in which BRIDECREST is not listed as a party but lists XXXX as the original creditor. However, when I request validation from XXXX they are unable to provide it stating that Bridgecrest has the original document, however, BRIDGCREST has failed to produce any contract that shows them as a party with any security interest. Therefore, if XXXX is unable to validate the alleged debt, BRIDGECREST is not listed on the original contract and is unable to validate the alleged debt, how then can the debt be validated and reported negatively to my credit reports? And if so, what were the steps taken to validate?
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36116	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It may concern : I am contacting Consumer Financial Protection Bureau to that my identity has been stolen and used for fraudulent purposes. To confirm my identity, my social security number is XXXX and my birthdate is XX/XX/XXXX. Someone has stolen my identity and used that information to engage in the following type ( s ) of fraudulent transactions : Credit card accounts Checking and/or savings accounts Loans Utility accounts Investment accounts XXXX XXXX Internet and /or email accounts Government documents and/or benefits XXXX XXXX XXXX XXXX Additional forms of fraud as follows : I have suffered the following forms ( s ) of harm and consequences because of this identity theft : A civil suit or judgment has been filed against me. I was denied bank, investing, credit, or other financial services. I do not have any information about who I believe to be the identity thief. I have contacted the following credit bureau ( s ) of the identity theft to report the incident to have false inquires and fraudulent accounts removed. I have contacted the authorities at the following police department XXXX located in the state of Alabama and filed a police report. A copy of the report is enclosed with the letter. Sincerely, XXXX XXXX
10/30/2023	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	MO 64118	Web
on XX/XX/XXXX I received a certified letter from Bridgecrest Acceptance Corporation from a previous complaint about this company. They continue to send partial information that was requested back on XX/XX/XXXX about this alleged debt, yet they continue to harass me using obscene and profane language claiming I owe an alleged debt to this company when I have no documentary evidence of neither mine, nor bridgecrest signature to prove this alleged claim. Pursuant to the fdcpa a contract is not sufficient proof for debt validation. I have requested that Bridgecrest validate this alleged debt and send me proper documentary evidence, but they are willfully neglecting to do so, violating the fdcpa and my cease and desist notice attempting to coerce me into paying on this fraudulent account. Per the fdcpa a debt collector has 30 days to provide all requested information from a consumer to validate any alleged debt, or they SHALL cease all attempts to collect the alleged debt. Its been over a year and I have proof that they continue to violate federal law. The paperwork that was sent to me via certified mail violates the fdcpa, as debt collectors are prohibited from sending post cards in the mail, its mail fraud and violators found guilty can spend time in prison and face civil penalties for their crimes.
03/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 152XX	Web
I have been with bridge crest financial loan since XXXX, one car totaled out and since XXXX of XXXX I have been financing a XXXX XXXX XXXX, Yes it was overpriced, XXXX XXXX XXXX when I purchased it. At XXXX XXXX. Yes I have fallen behind and yes I have made up for my back payments, including the 3 agreements Ive signed. With the 3-month payments there is no way I should still be in the rears of any kind and being charged those interest rates. The problem is, for the past 3 years XXXX XXXX has been charging me 3x monthly on a biweekly payment plan when I have been paying monthly sometime in XXXX. On many occasions I have inquired about why and they keep giving me the run around, XXXX me the option. This last date XXXX I brought it to operators attention and I also explained that they are charging me bi weekly when I am paying monthly and it is keeping me in the rears. I was so upset because I have been over this with them many time, I just said I would write you guys and let you handle it. This has continued to hinders my on time payments, my credit score and from getting any type of credit. I believe this is malicious against a XXXX American Women since we are the first to be swindled in the auto motive industry and I have asked repeatedly over the years and argued with them about it. XXXX
01/14/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 15221	Web
I purchased a car with XXXX in XX/XX/XXXX. The vehicle is a XXXX XXXX XXXX XXXX. My finance company which is through XXXX is called Bridgecrest Acceptance. Since purchasing my vehichle, I have not received a statement. There is no option online through bridgecrest.com to view my statement. They have my mailing address, I've received nothing in the mail. They have my email, I only receive emails when it is time to pay. After doing research, this seems to be the norm with BRIDGECREST ACCEPTANCE. THEY DO NOT PROVIDE STATEMENTS SO YOU NEVER KNOW WHERE YOUR MONEY IS GOING!!!! This is insane. I am 6 months into my loan and have no idea what is left on my loan. They have only reported twice to the credit bureaus, the last time being XX/XX/XXXX. I don't know what is left on my loan. I have paid {$1600.00} and the amount shown on my credit reports only reflects a difference of {$270.00} in my loan. Where is my money going??? This should be illegal! I am due to pay another {$330.00} again this week. I have not received ONE STATEMENT from this company since XX/XX/XXXX!!! I have never been through this in my life! I RECEIVE STATEMENTS FOR EVERY SINGLE THING THAT I PAY FOR! This includes utilities, credit cards, and phone bills. Why is this the difference? I should be getting a statement EVERY SINGLE MONTH.
02/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	OH 43130	Web	Older American
I bought a XXXX XXXX XXXX From a dealership called XXXX XXXX sales company, XXXX, Ohio, XXXX XXXX XXXX. XXXX phone # XXXX XXXX With XXXX miles on it. I feel like I was taken advantage of the dealor sales person.. I was just excited about getting a car loan, Very nave before you know it between the warranty was {$3500.00} the gap insurance with {$1000.00} thats low jack three-year plus XXXX warranty which I dont know {$690.00}. And other fees that is paid to a public official. Bringing the amount finance to {$22000.00}. Making my payments {$610.00} a month at 25 % interest. I called the loan company which is named Bridgecrest XXXX. Is there a number.. I wanted to cancel the additional fees that was never told to me and see if they would lower my monthly payment. they said to me over the phone that they can cancel the {$6000.00} extra fees added to the loan but it will not lower my payment of XXXX a month but if I ever pay it off by canceling the additional services I can pay the principal my main thing is I wanted to get the loan down to a reasonable amount. I thinkXXXX is a lot of money when I was totally misrepresented I do like the vehicle but its not worth the Money.. Im hoping you could do some good.. My name Is XXXX XXXX I live at XXXX XXXX XXXX. XXXX XXXX OH XXXX and my number is XXXX
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77087	Web
I Purchased a car with XXXX XXXX. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto Bridgecrest 's system. Bridgecrest says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. ( attached is an affidavit by another agency showing how this deception works ) I have no contract with Bridgecrest, nor is bridgecrest in my contract. Bridgecrest is the servicer for the securities created by XXXX XXXX XXXX XXXX. They have my car listed in XXXX XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. I revoked the given security interest and sent them a cease and desist. Bridgecrest was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with bridgecrest therefore I have no account with them. Bridgecrest refuses to send any billing statement by mail even after requesting all communication by mail. The contract with XXXX contains no assignments and the consumer claim post is printed with additional endorsements,
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 152XX	Web	Servicemember
To whom it may concern, I've never given XXXX/XXXX my written consent to furnish any of my NON PUBLIC PERSONAL INFORMATION. It was never made known to me that I have the RIGHT by LAW to opt out of my information being reported/sold as made clear in 15 USC 1681 of the Fair Credit Reporting Act. 15 USC 1681 states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer Please provide any documentation with my written consent allowing XXXX to furnish my information or remove this all ILLEGALY SHARED information from my credit report and send me an updated report.
08/17/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MO 64118	Web
Im not sure why Bridgecrest would state in their cfpb complaint response that they sent me notice to seize my possessions for an alleged debt that I do not owe! They are not in my contract and its very clear that they have the wrong account information because the account number they have and the one on my contract is not the same which is deceiving and misleading. Threatening to seize ones property due to any form is nonpayment is not only a harassment, but its also very stressful and their tactics have caused me to have a XXXX and turmoil in my relationship. This alleged debt is also being reported to credit reporting agencies as a loan and nowhere does it say loan in any paperwork that I have. This company continues to lie directly to the CFPB, but refuses to provide proof. Stating that they sent me a letter about repocessing my vehicle that I use for family, and school is extortion and a direct violation of 18 usc 873. They stated they can't send me documents because of a cease and desist, but they continue to commit mail fraud and I just received yet another contract that they're not listed on and did not sign and its not the original contract along with a list of payments. Thats not all of the documents that I requested when I sent my cease and desist in XXXX of 2022.
12/15/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 90008	Web
XXXX Issue- I previously had an issue with Bridgecrest calling and thought I had the issue resolved. I spoke with upper management whom informed me of my rights. At the conclusion of our call I informed her that she could leave my call preferences as is and assured me Id be contacted XXXX per day and that I could call back at any moment to update my call preferences. On XX/XX/22 I received a call while at work that I did not answer. When I checked the message it was from Bridgecrest. I called the number back and stated I wanted to update my call preferences. I explained I had spoken to corporate and was informed of my call preference rights and would like to invoke my rights. The male rep asked how would I like my call preferences updated and I said do not call I will call you. He proceeded to rattle off that if I did what they call a cease and desist that this would alter Bridgecrest repossession policies and the vehicle would be up for repossession at any day. ( This is a form of retaliation- I cant call you so since I cant call you we will repossess the vehicle sooner than we said we would ) I explained him that this is all new information since there was no mention of this during my previous call with corporate and this is basically a threat for invoking my rights.
02/28/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL 32221	Web	Servicemember
I was in a accident on XX/XX/XXXX and filed a total loss claim with Bridgecrest on XX/XX/XXXX providing them XX/XX/XXXXinsurance company information and also confiriming my GAP coverage through them. I was told at this time that Bridgecrest was responsible for notifiying and filing the GAP coverage. I was notified by XXXX that they sent a check out to bridgcrest XX/XX/XXXX for {$12000.00} and XX/XX/XXXX for {$180.00}. BridgeCrest held both checks for a lengthy amount of time causing me to occur two late payments XX/XX/XXXX and XX/XX/XXXX. I found this out when my home loan was deneid due to the late payments, I also recieved a higher interest rate on a car loan due to these late payments. Now that the loan is finally paid off, Bridgecrest removed the late payment for XX/XX/XXXXbut have left an late payment on different reports for XX/XX/XXXXXX/XX/XXXX, while reporting XX/XX/XXXX on others. According to FCRA it is against the law to report inaccurate information to my credit report, which in this case my rights has been violated twice with damages. I am asking that the company remove the late payments for dated XX/XX/XXXX and XX/XX/XXXX from my credit reports. This was I can continue my home purchase. I have asked for detailed account information as well but was deneid.
08/13/2019	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 28601	Web
Problem : Offending company : Bridgecrest my mother Missed two car payments consecutively, instead of her just letting make up the payments, Bridgecrest ( https : //www.bridgecrest.com/ ) wouldnt let her pay the payments, then said she had to pay up the whole loan of {$19000.00} or they would come and take the car, and they wouldnt let her pay the overdue payments. Then they took the car and sold it off at auction. This was a cruel and unusual action that was not justifiable with only two missing payments, she had paid off a fifth of the loan already which is proof she was capable of paying the full loan, she makes over $ XXXX a year and we were left stranded without a car. The reason i think this is illegal and immoral is because of ( 1 ) the fact 1/5 of the loan had already been paid off, which makes it highly suspiscious for a company to jump the gun on reposession so quickly. And ( 2 ) because they would not allow her to pay the missing payments, forcing her to pay the full amount which is outrageous. My mother now has another car that she purchased at a more reputable dealership. You can also see similar complaints online here : https : XXXX How many payments she had made : 16 How much the payment was per month : {$350.00} The full loan : roughly {$25000.00}
03/27/2021	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	NM 87107	Web	Servicemember
I had a loan with Bridgecrest Financial for the purchase of a used vehicle through XXXX XXXX, the purchase date was XX/XX/2021. On XX/XX/2021, I paid {$13000.00} to Bridgecrest towards my loan. Later when I checked my account, I found the amount to have gone towards the loan payments instead of the principal, so I called them. During the the call I was advised that the {$13000.00} payment I made would not reduce my {$330.00} loan payments and I would need to call in every time I wanted a payment to be applied to the principal of the loan. These two points I found to be unacceptable and decided to pay off my loan. When looking for a payoff quote I found the interest over the life of the loan was not being adjusted. I called Bridgecrest again to discuss my dissatisfaction with now three different point of my loan, but got no satisfaction. I had emailed them twice with no response, voicing my concerns and frustration. During the phone call I was informed that the payoff quote would stand and if Bridgecrest saw fit, they might pay interest that wasn't owed. My due date for my first payment was XX/XX/XXXX & I paid the remaining {$8700.00} XX/XX/2021. To date I have not received my title or any of the {$3300.00} interest that had been applied to the life of the loan.
12/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20707	Web
I am distressed that you have included BRIDGECREST CREDIT COMPANY , LLC information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. Companies aren't responding and reporting inaccurate information on my credit report. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Thank you,
05/26/2020	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30606	Web	Servicemember
Despite assurances that there would be accommodation for the extreme impact of COVID-19, during the pandemic, Bridgecrest has repeatedly called requesting money and payment stating that we were in arrears and other times stating that they would amend the contract. I am a physician who is dependent upon the vehicle and working as an appointed expert for the state of Georgia and the entire southeastern region for opioid substance use disorders and am responsible for ensuring that this high-risk group is also protected and not disenfranchised during COVID-19. Throughout this time I have yet to receivable any funding due from the federal government during COVID or before and expect to but not in a timely fashion. While every other lender or circumstance has been mutually amenable Bridgecrest has a call center that harasses for funds with no knowledge of COVID with no mention, when asked about, COVID forgiveness/financial relief. Additionally, I am a confirmed victim of personal and professional ( corporate ) identity theft complicating the issue further because regardless of the rights I am supposed to have been afforded and all the issues above are of no interest to bridgecrest. They will not allow me to speak with anybody above the initial calling individual.
02/13/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IN 46360	Web
This company has been reporting to the credit bureaus twice a month every month and they have added almost {$6000.00} of interest on to an original amount. I first reached out to them back in XXXX of 2021 and ask them nicely to send proof of the debt and the original contracts, and then reach out to them again a second time a month later because I hadn't received the paperwork. I was told that they were working on it. Two separate times a month apart they have refused quietly to give me my information. XX/XX/XXXX I hired a lawyer to force them to give me the paperwork and they have yet to correspond to even that much, I have also disputed the debt the other credit bureaus and I have not received anything on that either. On my XXXX report they have removed the debt collection and then re-add it it a few days later. They were instructed not to continue to report by the lawyer and continue to do so. I asked them for the original contract and they told me that the original contract stated that they could continue to add interest every single month but would not give me an itemized deduction sheet as to where that came from. They also told me that they have the paperwork ready to sue me in court, and informed me that they would be ready to do so very soon.
07/09/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	DE 19966	Web
I lending direct sent a payoff to bridgecrest on a XXXX XXXX XXXX. This payoff was received on XX/XX/XXXX. The XXXX tracking number is XXXX. It was signed for by XXXX XXXX. A week later I inquired with bridgecrest about the payoff as it had not yet been applied. They told me they received the payoff, they sort and forward those payoffs to a secondary location. I asked if the new lender sent the payoff to the wrong address. I was told " no, that is our process ''. I asked if the payment would be applied as of the date it was received. I was told " no, interest continues to acrue until we process it ''. The payment was processed on XX/XX/XXXX. I called today and inquired about the application of this payoff. Again they agreed they received it on the XXXX of XXXX but that the interest continued to accrue until XX/XX/XXXX. According to what I have read on your website, this practice is illegal. They seem to have this process in place specifically to continue to charge interest for a significant amount of time after the payoffs are received. Thank you for looking into this matter. I do not know the account number. The account is now gone from their online portal so I can not look it up. They usually look me up with my name, XXXX, and the last 4 o my ssn.
12/14/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	KY 40517	Web
I have contacted Bridgecrest several times about the status of my account with them. On 3 different reporting agencies, my account is reporting different information, 2 of which are reporting closed/charge-off accounts, and XXXX is reporting a higher balance of XXXX. I called Bridgecrest in XXXXXXXX XXXX XXXXXXXX, and inquired about the inaccuracies on my account the representative reported to me that that was inaccurate and that the actual balance was XXXX. If the account is reported as a charge off then the creditor has filed a XXXX / XXXX Cancelation of Debt with the IRS and has also sold the car back in XXXX and didn't send me written notice of the remaining balance of the loan. According to 15 U.S.C 1605 the Finance Charge is the Sum of all charges and I have paid that Finance charge and more to this account, and they have also charged off this account and are still trying to collect on the debt that has been canceled with the XXXXXXXX XXXX thus this debt is paid in full to Bridgecrest! Bridgecrest is unlawfully reporting to All three credit bureaus as a negative account and the Open account is negatively affecting my credit and causing me harm. As a result of their unfair practices, I am unable to obtain the car and Credit that I'm in need of.
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28314	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : BRIDGECREST ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. w/Gratitude
02/01/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TN 372XX	Web
I purchased my car through XXXX. The vehicle was financed through them via Bridgecrest / XXXXXXXX XXXX I was able to pay off the loan this month. I generated a payoff quote amount of about {$5000.00}. I submitted payment through the Bridgecrest site as I did with all my payments. 10, then 15, then 20 days go by, and about 7 calls to Bridecrest. The money was never deducted or presented to my bank ( XXXX ) for payment. I have proof of this. They say they have closed my account. They will do nothing to help me and keep giving me the runaround. I call and ask to speak to a manager and am told to wait on hold. They disconnect me every time. I have called maybe 8 times and spent at least 7 hours on the phone with them. Today, I XXXX this XXXX and XXXX to find that this is a scheme/tactic that Brdigecrest engages in on a regular basis to extort more money from you. Apparently, the next thing they do is file a lien against you and charge you more money. All I want to do is pay off my loan on the agreed-upon amount. I am getting nowhere. I have called customer service, XXXX, and as well as their corporate office. XXXX response. I want to pay off the loan today and be free of them and make sure other people know what they do. Thank you.
01/20/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33598	Web	Servicemember
I have sent a few CFPB responses in regards to Bridgecrest and they have not been properly resolved by Bridgecrest. The Fair Debt Collection Practices is intended to ensure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuse This includes Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit results from an awareness of the cost thereof by consumers. I have been deceived by Bridgecrest. This includes them providing false and misleading information during my consumer credit transaction. I am a Federally Protected consumer that has not received sufficient information on the verification of the alleged debt. Bridgecrest has threatened to disable/repossess property that is mine, continually attempts to collect on an alleged debt after I have sent a cease and desist 15 USC 1692c ( c ). It has been unauthorized use of my credit card in which I did not benefit from Pursuant 15 USC 1602 ( p ). Please see attached
01/12/2024	Yes	Vehicle loan or lease Lease	Getting a loan or lease Confusing or misleading advertising or marketing	SC 29687	Web
My name is XXXX XXXX, I have an issue and I need assistance. I purchased a car from XXXX in XXXX of XXXX and they failed to disclosed to me the car was apart of a nation wide class action lawsuit. They lied and told me the car had no recalls. And they car started to mess up ( XXXX ). I was told they wouldnt fix it. The car stop in traffic three times, the clutch switch gears. The car then decided it wants to over heat and almost catch fire. Its a XXXX XXXX XXXX. I contacted XXXX XXXX and XXXX and offered to fix the car, I then had it repaired the car started doing the exact thing XXXX miles later and is not drivable. Then upon looking at the documents that was provided to me when the car was dropped off, my signature was digital forged, no knowing it can accept however, avoided under certain circumstances. The only documents I signed was the release of the car upon delivery. I started an out of court process settlement it begins in a two weeks ; me vs XXXX XXXX XXXX. I am facing a lot of financial difficulties because the car isnt working. I than tried to take it back to XXXX for service they denied towing when there website offers it for free and than was told they cant service the car til XX/XX/XXXX, if I can get it to the dealership.
12/07/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92374	Web
It has only been a couple of months since I bought my car off of XXXX, I already informed Bridgcrest on XXXX that they will expect my Bill Of Exchange/Check for the payoff quote that she gave me within the 10 day payoff timeframe, she STILL informed me that even though a check is on the way ( mail is taking forever ) that the car is still up for repo now! I literally just got the car and immediatly started processing this payoff check which is currently being authenticated which is taking a few weeks, but I did update Bridgecrest they will recieve it shortly via the payoff address they gave me, and still after this very very short period of time knowing they are getting the payment they still want to take back the vehicle? Ive owned MANY vehicle and never have I experienced this with any loan company. Hopefully they can wait the XXXX days and not come repo the car for no reason just to have to go to court and give it back. Should loan companies not give decent time frames if the customer is giving a full payoff considering bank verification and mail times etc.? I also do not consent to my information being sent out to ANYONE considering Bridgecrest and I never had a contract ourselves. I also do not consent to any property repossession.
07/30/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33511	Web
XX/XX/2018 - sent letter to car dealer and loan provider asking them to verify i accurate reporting on my credit file. XX/XX/XXXX- sent letters to XXXX , XXXX , and XXXX asking them to remove this from my credit file since i have recieved no reponse. after no reponse from loan holder i sent second letter demanding loan holder to provide me with valid documemtaion that they are reporting accurate information on my credit report. XXXX XXXX- lender sent me copy of original sales contract and title registeration, but didnt supply me with proof they followed law after repossession is what i requested of them! A lender must follow these rules after a vehicle repossession. 1. A written notice of Sale within 10 days before propossed sale of car. 2. After a car is sold a lender is then required to send a second notice stating the amount that lender credited you from resale as well as a cancellation notice of the original sales contract. I demanded proof that the repossession was legal in accordance with the UCC : 9-506 Effect of Errors or Omissions 9-611.Notification Before Disposition of Collateral 9-612 Timeliness of Notification Before Dispostion of Collateral 9-613 Contents and Form Of Notification Before Disposition of Collateral
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27616	Web
XX/XX/XXXX Dear Consumer, Financial Protection Bureau, I wish to complain about the repossession of my four-door white XXXX XXXX XXXX. The repossession took place on XX/XX/XXXX, and I was able to borrow money and get it back on the same day from their secured lot. However, I am complaining because even four years later, I am still not able to get approval to purchase a home for myself and my children due to this matter, and my credit report reflects negatively which causes my anxiety to increase and flare frequently due to this lingering burden. To resolve this problem, I would like for someone in your office to contact Bridgecrest and see how this can be resolved and my credit report reflects in a positive manner. When I first learned of this problem, I contacted Bridgecrest and spoke with a representative and was told that nothing could be done about my problem. I believe that this response is unfair being that I went without basic needs during that time in XXXX to borrow funds totaling {$1500.00} in order to get my vehicle back. I would like a written statement explaining your company 's position and what you will do about my complaint. I look forward to hearing from you as soon as possible to resolve this problem. Sincerely,
01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29483	Web
ACCORDING TO THE BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer reporting agencies may disclose consumer information. This company has failed in their obligation to protect the privacy and confidentiality of my information. Under under this rule financial companies are to have permissible purpose to furnish accounts to consumer report including THE WRITTEN INSTRUCTION OF WHOM THE CONSUMER RELATES. I have not giving any written instructions to furnish my non public personal information to any third party. This company has knowningly transferred my account personal information without permissible purpose of whom the consumer relates to XXXX, XXXX AND XXXX. Because of this reporting I have suffered damage to my reputation, my character, invasion of my privacy, emotional, physical and economic harm. I requested documentation of permissible purpose from this creditor and they refused to be in compliance and give that documentation to me and refused to DELETE my account if they can not give me reason as to permissible purpose.
10/15/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 95648	Web
On or about XX/XX/XXXX, Bridgecrest, formerly known as XXXX, took possession of the vehicle for which a contract was created on or about XX/XX/XXXX. Bridgecrest at no time provided me with the lawful disclosures regarding rescission at the time of purchase violating 12 CFR 226.15. Bridgecrest also violated my rights by subjugating me into an adhesion contract. An adhesion contract exists if the parties are of such disproportionate bargaining power that the party of weaker bargaining strength could not have negotiated for variations in the terms of the adhesion contract. Such was true in my case with Bridgecrest. Bridgecrest also failed to produce any contracts containing my wet ink signature denoting agreement to the terms and conditions of said contract. Bridgecrest failed to produce a " clean title '' for the vehicle clearly demonstrating ownership and/or any lawful liens placed on the secured interest. Bridgecrest has also failed to provide a Bill of Sale for the automobile for which the allege was sold at auction and for which they received monetary gain but did not provide any credit to me. Bridgecrest has yet to produce any documentation with my wet ink signature, that they engaged in a lawful and legal transaction with me.
08/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	VA 22079	Web
A car that me and my grandmother owned. It was mine I was paying with proof. I got it XX/XX/XXXX for around XXXX dollars with a monthly note of XXXX. Me and my grandmother inquired during her XXXX treatments me just paying the car off early to avoid confusion but the bank is requiring the enter interest amount of another XXXX XXXX to do so. ( Not counting payments made. Unfortunately my grandma passed from XXXX XX/XX/XXXX so I went to get the car transferred under my name. During that process I realized the severity predatory car loan and wanted to take time to see if I could get lawyers or you all involved they repossessed the car for a missed monthly payment XXXX, XXXX and now XX/XX/XXXX before I could do so 3 days after my grandmothers funeral. My XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX VIN : XXXX Purchased on XX/XX/XXXX Stands with the bank as follows : {$1600.00} Principal Paid Remaining Principal {$14000.00} Only XXXX after it has been paid monthly for 2 years and 5 months. With no option to pay early without paying double the price or give me my car. Im out of a car and {$11000.00} dollars PAID. I should not have to suffer from being obligated to take on such a predatory loan or have no transportation
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 245XX	Web
Bridgecrest Auto Loan used my name in their response many times and I was asked not to use any personal information. First off the loan was to rebuild credit that was never on my credit before Covid so it didnt help. They only put it on there after my business was shut down and I was hospitalized 3 times in 2022 and my bank account with fund raising money was taken and I was stuck in the hospital. The promise to pay was from the account that was compromised and I asked it be removed. Plus how can you do this to a person whos fighting for their life and was still doing her best to pay her bills I didnt ask for any of this. How can you charge off a vehicle that you didnt charge off? If you did thats not legal. You cant charge off ( write off ) a loan youre still collecting money on. Plus you sold not only me but many many people wrecked vehicles and did nothing to reimburse them. So this is how you handle customers who were affected by the pandemic left having to fund raise money for medical care because you wrecked their credit and refuse to remove it? This is what your company stands behind? All I asked was for you to take it off since Im paying the loan so I can get medical care and you cant even do that. This is sad very sad!
02/16/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	WI 53217	Web
XXXX XXXX, 2022 I called Bridgecrest to inform them that I had an emergency and would not be able to make the payment for that month. I asked if the payment could be applied to the end of the loan. I was informed that I'd need to cancel my auto pay and allow myself to become " past due '' and to call back. I called back after allowing my payment due date to pass, and was told there was nothing they'd do other than note the account and that I needed to make the next payment. My pay day came around, and I made the payment on XX/XX/XXXX however, it still will have me one month behind. I call again and ask if the payment can be deferred. I'm then told that extensions are approved on a case by case basis, and that I should not have made my payment. I was then told to yet again, call back later this month and ask again. I mentioned I'd complain to the CFPB because there has to be another remedy other than having the customer call each month. They then tell me they can offer a payment plan that would not get me caught up until XXXX, and would still accrue interest. I was transferred to a manager that reiterated that the only thing I could do was continue to call each month and ask, and it is up to them to decide if they will allow it.
07/03/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MO 63031	Web
Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
05/07/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	VA 23503	Web	Older American, Servicemember
On XX/XX/2023 I was forced out of my home making me and my wife officially homeless. I was having so many issues with my money that I emailed them and told them. I also told them my phones at the time had been turned off and the only way to get ahold of me was email. They completely ignored that and I imagine kept trying to call me. On my wifes birthday without any notice with everything we own in that car. Keeping in mind that we are homeless they repossessed our car. They didnt even try to work with us even though they swear up and down that they did again I am guessing by phone which wasnt working. Now they tell me a XXXX Veteran that I have to figure out how to get my stuff. If they said oh hey I am going to repossess your car I would have gladly have gotten my stuff out of that car. We had no warning. I just want my stuff I dont want anything else from them. I have no way and no money to get it myself. Then when you call and talk to these people they are so unprofessional that a person ends up losing themselves and cursing them out. I normally do not do that when conducting business. These people bring the worst out in people. Nobody should be doing business with these people. They shouldnt even be in business anymore.
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80917	Web
My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, Bridgecrest, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.
09/17/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	CO 80205	Web
My car was totaled out on XX/XX/XXXX my insurance had the total loss settlement done by the XXXX the same day my self and insurance company called Bridgecrest letting them know to send a title with XXXX name on it I order for a check to be sent. Everyday I called asking had it been done and it didn't. Finally on XX/XX/XXXX I made a conference call with insurance and they said they requested it as of that day. I'm not sure why it took 13 days to do so. Now I am two months down the line and still waiting on this issue to be resolved. There total loss department does not have contact information for the public. I get the run around from there employees. Today XX/XX/XXXX I called and they can not locate the check my insurance sent over. I'm still responsible for the car. I have to keep continuing to pay {$240.00} every two weeks. They have been prolonging this issue changing and adding to my pay off amount having the interest go up on this car loan. Resulting in me not being able to get another car. No supervisor is ever available to speak with. I have maxed out all my efforts with this company with trying to have this issue resolved in a timely manner. I have phone logs and recorded conversations with this company for proof.
05/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 617XX	Web	Servicemember
Around XX/XX/2019 my vehicle financed by Bridgecrest Auto suddenly stopped in the midst of a Kentucky state highway. The vehicle had to be towed to a facility. Since the vehicle was initially purchased I never missed any of my monthly payments. When it was determined the engine failed on my vehicle, the extended GAP insurance i had been paying for refused to cover replacement parts needed to get the vehicle functioning again. I informed my finance company, Bridgecrest Auto I can not continue to make payments towards a vehicle I was unable to drive. Therefore, I voluntarily surrendered the vehicle back to Bridgecrest with the understanding the account would be listed on my credit report but as a voluntary surrender. When Bridgecrest was contacted by the Illinois Attorney General, the responded stating I indeed surrendered by vehicle and that it was not a repossession. However, they have reported the loan as an involuntary repossession and are refusing to change this. I understand the account should be listed on my credit report but it should be listed accurately. Reporting this default loan as an involuntary repossession is not an accurate statement and should be changed to reflect its true status as a voluntary surrender
10/26/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NV 89148	Web
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.
03/22/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 21217	Web
I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. The pick up was delayed because the car failed inspection due to the rotors. Once I picked it up, the car was not cleaned. Since having it, I've visited the shop 5 times since. The list of issues include : turbocharger, valve cover, spark plugs, coil packs, air filter, fuel system service, water pump, water outlet, and oil pan. Currently the car has lost all engine power, smokes heavily, and is un-drivable. The warranty company, XXXX, the repair shops, Bridgecrest, and XXXX are giving me the run around and refuse to fix the vehicle. XXXX then told me I would have to pay them $ XXXX to sell the vehicle back to them. They claimed they thoroughly inspected the vehicle however the items that are wrong with the vehicle are notated on the inspection report as passed. This information is obviously false. Since having purchasing it, the situation has caused me to miss work and the vehicle left me stranded on the side of the interstate. I would like to see justice in my situation as well as the countless other horror stories I've read about since experiencing my own. I want to give the car back and get out of the loan contract because they sold me a lemon. Please assist.
01/04/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 45245	Web	Servicemember
I have such a problem right now. I have been with this company for over 3 years, I fell late due to job loss. I filed a complaint with the better business bureau and was put on payment arrangements. I was told XX/XX/XXXX that everything was good. I continued to make my payments, I logged on XX/XX/XXXX to make my regular payment and the automated system says they ca n't find my account. I reached out the customer service department and was told that my account had been charged off, due to non payment. The last payment I made was XX/XX/XXXX. I want to make payments on this and had advised that many times. The company has offered me no help at this point, I never once got a letter or a phone call saying this was happening to me. The last phone conversation was with XXXX on XX/XX/XXXX, advising me that the charge off would not happen and then it did. I do n't feel like this company has done me fair at all. If you are going to charge off someone 's account then at least tell them, no email, no phone calls and no letters, the customer service person advised she thought someone tried to reach out to me on XX/XX/XXXX. But said there a lot of calls in XX/XX/XXXX, yes I know I made most of them while filing a BBB report.
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33441	Web
BRIDGECREST FORMERLY DRI Last reported XX/XX/2022 Reported 30 Days Late on XX/XX/2022 In Florida, in a county/area in which I am residing ( XXXX XXXX XXXX ) XXXX was declared a disaster area by the Federal Government, as well as a State of Emergency Declaration by the State of Florida. Despite knowledge of this, the company refused to work with me and still reported me anyway. I have paid 100 % of my payments on-time, and this was the only month Ive ever missed an actual payment reported to the Credit Bureau XXXX Throughout the entire COVID-19 pandemic, I legally could have declared hardship, and never did. They were ALWAYS paid, even if late - I never crossed the reporting threshold of 30-60 days. Instead of acknowledging this, they tanked my credit. I asked XXXX to investigate and they IGNORED the disaster plea I made due to Hurricane Ian. As companies that have been investigated by the Government for FRAUD, they are quick to punish hard-working Americans who still have tried to pay their bills - despite two simultaneous disaster qualifications by the State and Federal Government. This needs to be resolved because of the storm declarations and such as, they have no legal right to do what they are doing.
12/18/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33441	Web
On XXXX Bridgecrest sent me an email acknowledging Thank you for the one-time recent payment made on XXXX : Thanks for your recent payment! XXXX, Thank you for your one-time payment made on XXXX Payment amount withdrawn : $ XXXX Account number : XXXX After being unsatisfied with how Bridgecrest resolved my request to have my one payment I missed during the Hurricane removed, I switched loan creditors. My new creditor, issued Bridgecrest a check for {$12000.00}, which they clearly received and cashed. However, Bridgecrest is still reporting to the credit bureaus that I have an open balance with them, even though my new loan company has paid them. Bridgecrest also certified by law, that the information they reported to XXXX is accurate as of XXXX The XXXX investigation started on XXXX so Bridgecrest knowingly and intentionally, provided false information to a credit bureau even after they were paid and know I dont have any remaining balance with them. They have done this with other credit agencies and there seems to be a pattern here. I want my credit accounts updated accurately to reflex my accounts with them are paid. They need to be held accountable for these illegal and fraudulent practices. Thanks
01/18/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75039	Web
I purchased a XXXX XXXX XXXX through XXXX XXXX in XXXX, TX on XX/XX/XXXX. The amount to paid off is {$18.00}, XXXX on the vehicle. I voluntarily gave the vehicle back on XX/XX/XXXX. XXXX is now known as Bridgecrest. Non of may payments were ever reported to any of the 3 major credit bureau indicating that I had an existing car loan. Additionally, when I fell behind three payments in XX/XX/XXXX harassed me and threaten to repossess the vehicle unless I sign document s to put payments on the back-end and I would still be charged the interest on it daily. I feel that I was taken advantage of through predatory lending. Also, the language in the contract was one-sided. It stated that The arbitration agreement itself contains a clause that states, in relevant part, Unless you reject this Agreement, this Agreement provides that upon your or our election, all disputes between you and us will be resolved by BINDING ARBITRATION. If you or we elect arbitration, you will be GIVING UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under the Contract ( except for individual claims that may be taken to small claims court ). Your rights will be determined by a NEUTRAL ARBITRATOR AND NOT by a JUDGE OR JURY
10/13/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33145	Web	Older American
Account # XXXX I called Bridgecrest on XX/XX/21 talked with XXXX. I advised her that I am now going to start collecting a pension. It gets paid at the end of the month. Today I called Bridgecrest XXXX told me that they weren't interested in helping me. He kept insisting he had to give me information whatever the XXXX that was. Bridgecrest has not helped during this pandemic that through a lot of people out of work including me. I was able to make the payment while I was receiving the extended unemployment but XXXX. XXXX cut that off. Luckily I turned XXXX and I am receiving a small pension at the end of the month. Bridgecrest refused to help. They said the loan is charged off and they weren't interested in renegotiation or helping out. They are refusing to give me a new loan, they refusing to help even thought I told them them about the pension. They did not notify me of anything. even though I told them they still went ahead with the charge off. I received no paperwork, no notice nothing. I really resent how this company is treating a senior citizen. I am sick of this XXXX. I am tired of the abuse that borrowers ' get from lenders. Abusing an old woman is not nice at all. I am honestly sick of this.
07/09/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	MI 492XX	Web
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from the company XXXX. I signed a contract agreeing to have XXXX finance the vehicle and that I would pay XXXX for the loan. A couple of days after the purchase I received an email stating that I would be responsible for paying a company called Bridgecrest for the financing of this vehicle. I have since received many phone calls and text messages from this company. I have never heard of a company called Bridgecrest. The name Bridgecrest is nowhere to be found within my retail purchase agreement with XXXX. It was never disclosed to me that I would be doing business with a company called Bridgecrest, in the contract or otherwise. How can XXXX contract me unknowingly with a third-party? This is misrepresentation, fraudulent conveyance and fraud on the inducement of the contract. I sent Bridgecrest a notarized notice dated XX/XX/XXXX stating I would be exercising my consumer protected right to rescind from the contract under title 15 United States code 1635 due to fraud. Bridgecrest returned my notice to me and stated that my debt with them was verified and that I still have their vehicle. How can the vehicle be Bridgecrests vehicle? I bought the car from XXXX.
10/30/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	AR 716XX	Web
On XX/XX/XXXX I stuck a XXXX in my car, the next day we called and started the insurance process, the following Thursday XX/XX/XXXX night we struck another one. Went ahead and filled a police report for insurance purposes. Once I spoke to my adjuster he decided to just keep one claim since the damage was primarily in the was same position. But with the second hit it made the car non-drivable. So Friday we went and got the rental car our insurance company provided. However once I revived the insurance check, I had to mail it to my finance company XXXX XXXX. When I first reached out to them they provided me an address to mail it to them ; took it to USPS and they told me they couldnt find the address so I finally got A address that was real. So over nighted the check to them on XX/XX/XXXX, it was revived on XX/XX/XXXX. However the address that was given to them was a XXXX XXXX of a bridgecrest represtive. Now its 10 days later and theyve yet to receive the check. And they cant tell me where its at. And my rental car time is running out. My XXXX son is having XXXX XX/XX/XXXX. And I have XXXX other small children. And they cant tell me where at XXXX dollar check is at and have no interest in finding it.
05/21/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	LA 701XX	Web
I had a car loan with Bridgecrest which I refinanced with XXXX XXXX. Bridgecrest provided XXXX XXXX a 10 Day Payoff of {$24000.00} on XX/XX/XXXX which did not include a {$2300.00} payment for a canceled car warranty. After initially telling me they " don't provide statements '' ( see pg. XXXX of Bridgecrest text thread ), I received a statement in the mail that shows that they received payment for the car warranty refund on XX/XX/XXXX, even though I had called and messaged customer service several times in the month of XXXX and XX/XX/XXXX to ask if they had. Refer to page XXXX of text thread where customer service denies receipt of XXXX refund on XX/XX/XXXX and the transaction history that shows receipt as of XX/XX/XXXX. Bridgecrest has now received a payment from XXXX XXXX for {$24000.00}, however my principal balance at the time of payoff was {$22000.00}. I also submitted a regularly scheduled payment on XX/XX/XXXX for {$530.00} through my banks bill pay before I was informed the refinance had gone through. I have included the Transactions History I received from Bridgecrest, my Text Messages with their customer service, and an email i received showing they received a {$24000.00} payment.
08/15/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NJ 08109	Web
I need help getting help with my account I 'm on XXXX and I inquired to the company several times through customer service but I cant get to speak to someone higher up. My daughter and I who is the cosigner are both out of work on XXXX. My daughter had XXXX and I have XXXX and XXXX issues. The company did give me a XXXX payment extension which had my next payment due the same week I signed off on my paperwork and I tried begging them to give me atleast 30 days because I had n't started receiving my XXXX checks yet but was denied, I was told they cant give an extension on a payment that is due yet but I have a payment schedule and I have financed several cars and have never heard that before. I was told that I 'm paying interest payment for the first 2 years anyway so I do n't understand why they cant just help me out. My interest rate is 24.937 % which I have bad credit so I was desperate and had to get a vehicle from them not realizing that the rate was so high of course until afterwards. I need help I can t afford to loose my car I need transportation with everything that I have going on I 'm stressed enough and your agency was my last resort to try to get them to work something out with me
07/28/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 331XX	Web
This is in regard to a XXXX XXXX XXXX that was deemed a total loss. The insurance company state farm sent out a check in the amount of {$9100.00}, to the linen holder which is Bridgecrest. The car was also covered by GAP insurance which kicked in on XX/XX/XXXX to cover the remaining {$4800.00}. I periodically checked the account to see if payment for GAP was received to place the account at a XXXX balance. However, that was not the case my balance jump from {$4800.00} to {$8600.00}. I contacted them and spoke to someone by the name of XXXX who total me that GAP was already applied to the account that I owe them the {$8000.00} and change and that the full principal balance was not covered after both payments were received. I checked the account on XX/XX/XXXX and saw that they have reversed all the payments that I have made since I brought the car and now it looks like I still owe them even though I do not. They have received all the payments needed to close this loan but yet still I am still being charged. I now have a new vehicle and pay almost {$700.00} a month for it and I need Bridgecrest to fix my account immediately and stop taking money out of my account for a car that is paid off.
04/28/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TN 381XX	Web
i complained to the cfpb about bridecrest re aging my account and how i want this account deleted and to get monetary compensation for what they done to my credit report. two days after i complained to them i started receiving several calls and voicemails from people at bridecrest about this account. these calls and voicemails were threatening to me and seemed like retaliation for complaining that they were violating my concumer rights. Section 660.3 of this part requires each furnisher to establish and implement reasonable written policies and procedures concerning the accuracy and integrity of the information it furnishes to consumer reporting agencies. When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. they knowingly put this information on my credit report which has caused me huge amounts of financial harm
01/04/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 32127	Web
I purchased a car from XXXX in XXXX and their loan company is Bridgecrest Loans and I will give you all information for Bridgecrest, my account number is XXXX and Bridgecrest phone number is XXXX. I was in a hospital, got out and I did informed Bridgecrest and they were ok of me making my payment but they lied to me. They took my car and when I called them Bridgecrest wanted me to pay {$26000.00} in cash to get my car back. Bridgecrest is supposed to help people with poor credit obviously they don't help. Bridgecrest do not have options and now this is at the begining of my loan, I got the car in XX/XX/2022 and they took my car after a month and they got their payments which I am doing a reversal with my bank. It is not in their contract stating if you are one payment behind they will come get the car and actually it is not in their contract at all that I got from XXXX XXXX about being late will have Bridgecrest repo the car. This is not right they don't work with people with bad credit as they stated. They could allow me to make my payment and release the car to me but they want the full {$26000.00} in cash. Bridgecrest lied about their loan program. Bridgecrest received their payments.
08/12/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	AZ 85024	Web	Servicemember
I made my final scheduled payment on an auto loan with Bridgecrest ( formerly XXXX ) on XX/XX/2018, a few days before the scheduled maturity date of XX/XX/2018. When I made the final payment the agent that I spoke with informed me that I had 90 days from the maturity date to pay the remaining balance on the loan. I paid the remaining balance 84 days later on XX/XX/2018. Roughly a week later on XX/XX/2018 I pulled a new credit report and was surprised to find that they had reported 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. At no point during the initial conversation did the agent mention that it would be reported negatively during the 90 days. I also spoke with an agent a few times during that 90 days and was never told that it was reporting negatively or that it would report negatively. After pulling the credit report, I contacted the loan company and spoke with a manager who assured me that it would be fixed. A few days later I received a credit reporting letter with an account status of " Paid / 81 days past due '' and 1x30 for XX/XX/2018. Again I contacted the loan company and spoke with a different manager that is now stating that there is nothing that they can do.
08/02/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NV 89103	Web	Servicemember
Hello, I had an auto loan from bridge-crest for a vehicle which was closed a few months ago. And i never had one late payment and paid every time on schedule. When I went to send in my final payment to close the loan early and in full, they failed to process my last check. This could have been very easy for them to resolve by simply calling me if they had an issue, as I would have just made an electronic payment as well if need be. Also they were pushing me very hard to purchase another vehicle and get another loan through them even after I had told them I didn't want or need a new car. This is quite frustrating as i called several times to resolve this and they refuse to change my last payment to on time. It is showing over 30 days late which is killing my credit score. I believe this is a nefarious attempt by the lender to be able to charge me a higher interest rate on another loan. I would never be late on any of my payments. If you look at my account history you will see every payment to them was on time and i feel this is very unfair and negatively impacting my life as a whole at this point. Very difficult to get an apartment or live any where with this negative item on my report.
12/02/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA 19140	Web
XXXX contacted me today about my complaint I filed against them on XXXX. I had been drinking early this morning, I had XXXX XXXX ounces bottle to XXXX XXXX XXXX. The representative from XXXX / Bridgecrest pressured me into making auto loan payments that is past due for XXXX and XXXX. Representative advised me that I am denied deferred for payments due on XXXX and XXXX. Moreover, was denied the same deferrement the week before XXXX. That make it the second denial and prior to XXXX, I did not have any late payment 30- days past due. Account was opened in XX/XX/2020. I called Bridgecrest this evening and filed for another deferment for XXXX & XXXX. The monthly payments are {$370.00}. XXXX / Bridgecrest totally disregarded the Cares Act which states that creditor are to work with consumers in regards to payment arrangements. I have a financial hardship and I cant believe that I am going back and forth with BridgeCrest. Bridgecrest does not want to help me. CFPB please help enforce the Cares Act that is here to help consumers like me that has an financial hardship. Dont want BridgesCrest to keep calling me and asking for payment knowing that I filed an complaint against them with the CFPB.
07/21/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL XXXXX	Web
In XXXX I purchased a vehicle from XXXX XXXX or XXXX Services. The vehicle is a XXXX XXXX and was in fair condition at the time of purchase. I had recently been involved in a divorce and my options were limited at the time due to bruised credit. I believe this lender has been engaged in predatory lending practices as a result. The loan is based on a simple interest loan exceeding an APR of 24 %. I have had to modify this loan on several occasions thus putting me further and further behind. The current payoff balance as of today is {$10000.00}. The purchase price of this vehicle was $ XXXX over 4 years ago. I have roughly paid over $ XXXX in interest and down payment since the inception. I have on several occasions asked to be refinanced or to put me into another vehicle. The response was that the balance would have to be paid down to {$4500.00} but at this rate that would take another XXXX years. To boot the car currently is in need of over $ XXXX in repair including engine work, and multiple other issues. This loan has since been serviced by Bridgecrest. Please look into this loan to determine if this is predatory lending based on FCRA and other Consumer Finance Laws. Thank you!
10/12/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 79705	Web
Fraudulent and Unlawful Practices made by Bridgecrest. On XX/XX/2023 assumed account status was confirmed by multiple Bridgecrest agents that account in question in now Paid in Full and Closed. On XX/XX/2023 it was noticed by me that this account was re-opened by Bridgecrest without any prior knowledge or consent given by me. I immediately contacted Bridgecrest regarding this issue and was told by another agent that account was considered Closed as Paid in Full but has manually been re-opened. I responded to agent that this was done without my consent knowing that prior debt has been considered discharged and to immediately close this account as Paid in Full. The next day XX/XX/2023 the account in question was Closed again. In a Breidgecrest response letter dated XX/XX/2023 I observed in the transaction list provided that transactions were showing Manually altered post dates of recent transactions made on XX/XX/2023 which resulted in Fraudulent Acts made by Bridgecrest. In addition to Fradulent Acts I was notified via CRAs that Bridgecrest attempted to verify a dispute knowingly having knowledge of account being discharged prior and also aware that car has been Sold on XX/XX/2023
07/29/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30088	Web
I bought the car at XXXX. Its been 5 years. Ive made payments to catch up and Im never caught up. Ive paid so far over XXXX for the car. And it still shows I owe XXXX. When I bought the car, everything was missing.. from the mats, to the car being a lemon. I never complained .Not even once. I simply fixed what I could. Everyone goes through hard times, but the loan is killing me because I dont see any improvement with my loan, or how and when I will pay it off. They offered extensions when I was out of work, and then I turned around and payed up for these extensions, yet I dont see a change. Theyve said it is a simple interest loan, but how is it possible for interest to still be acquired after paying on time. I am being robbed. And I dont think Im the only one. I need my title. I have paid for this car in full and over. It has caused XXXX, I dont enjoy the car, it has been a burden. And thats not great. Why would a company do people that way? Im hurt. I dont know what to do or where to go. All I know is.. I deserve my title because my car has been paid off months ago. It isnt fair what Brigdecrest has done to me. I need answers, not more running around. I need honest answers.
08/05/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 322XX	Web
The original loan was in my brother 's name XXXX XXXX account # XXXX. My brother died in XX/XX/2020 but I took up the payments on the car loan. I was asked to provide a death certificate to the loan company. This info was sent to BridgeCrest as requested and I continued to make the Monthly payments on the car loan. On XX/XX/XXXX the car was repossessed in XXXX at the home of my deceased brother 's and my sister home, although I have been making payments continually every Month. My bank ( XXXX XXXX ) filed a fraud complaint with this company over the money that was paid and was being drafted out of my checking account. I was able to recover only 2 Months worth of payments even though I have made well over 9 Monthly payments to this company. I want a FULL REFUND of ALL monies paid and I have electronic receipts as proof of all payments to this loan. This company is engaging in unfair business practices if they are accepting Monthly payments yet still repossessed the car! I want the car OR a FULL REFUND of my money no other resolutions will be accepted! I have previously spoken to a representative from BrideCrest by the name of of Ms. XXXX who stated that she was a Manager.
07/01/2020	Yes	Vehicle loan or lease Loan	Unable to get your credit report or credit score Other problem getting your report or credit score	VA 23223	Web
I am submitting this claim against Bridgecrest Acceptance Corporation. I am looking for some support in getting Bridgecrest to report my payments to the CRAs. I had to unfortunately file for bankruptcy in XX/XX/2018 and by law I had to list all of my debts, one being Bridgecrest, however I knew that I would not include them in the filing and that I would continue to make monthly payments on the loan and retain the car. On XXXX, I reached out to Bridgecrest and ask that they please report my payments and accurate history to the CRAs and the rep told me that once they get a Notice of Bankruptcy that they remove their trade-lines from all credit reports and that they would not be adding it back. She stated that the only why that I could get the trade-line reported is to refinance the loan with another lender. This seemed unfair! While I am paying on the car I like to get credit for my payments. I then reached out to XXXX and XXXX to see if I could dispute and state that Bridgecrest is not reporting correct information and both reps stated that since they requested the trade-line be removed that I would have to work with the company, CFPB and even the XXXX to get them to report.
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web
This is a response to the resolution for Complaint # XXXX your company provided and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. The complaint was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the named in the attached letter. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe. Provide me with copies of any papers that show I agreed to pay what you say I owe. Provide a verification or copy of any judgment if applicable. Prove the Statute of Limitations has not expired on this account. Show me the you are licensed to collect in my state. Provide me with your license numbers and Registered Agent or Agent of Service.
06/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA XXXXX	Web
I had a car loan with XXXX XXXX or bridgecrest during the height of the pandemic. I tried numerous times to get help in my payments. The pandemic was the result of millions of jobs lost including mine. I explain that to them in detail and how I lost my job during the pandemic and I was unable to pay my car payment and I needed help and they didn't help me. They told me that it wasn't their problem and I needed to make the payments and I asked them several times if they could cut it in half or do whatever was necessary to help me keep the car and they refused. As a result I got the car repossessed. I was out of a job for over a year after that pointAnd as a lot of people going the same position that I was as a result now my credit report is still damaged to the point where I still can't get credit because of it I recently called bridgecrest about a few months ago to see if they could help me at all and they said no. The pandemic ruined a lot of people 's lives and it was nobody 's fault. It was just what it was but today I'm still suffering because of it because of my credit report because of the car being repossessed they need to do something they need to help in some way
09/29/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 79705	Web
Bridgecrest re-opened a closed account without my consent. This account was XXXX as " Paid in Full '' and account closed on XX/XX/2023. This was confirmed by multiple agents contacted on XX/XX/2023 and XX/XX/2023 as well as confirmed was the title release date. At this time of confirmation i sold vehicle going based on confirmation of agents on XX/XX/2023 though XX/XX/2023. i was contacted via phone by Specialist XXXX on XX/XX/2023 after i withdrawn CFPB complaint, she stated she was contacting me regarding the complaints and attempted to discuss account situation but call was dropped. In an attempt to see what agent was referring to i was unable to reach her again. As of XX/XX/2023 i noticed that account was re-opened and this is done without my consent nor have i been contacted regarding any re-opening of a XXXX account. I have provided all documents ( Notice of vehicle sold, Title release request, agent ( s ) confirmation of account status " Paid in Full and closed '', Invoice for payments in accord and satisfaction of said loan, and Promissory estoppel Notice ) all supplied to Bridgecrest via fax and registered/certified mail prior to re-opening of closed account.
11/11/2021	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OK 731XX	Web	Servicemember
I have a loan with Bridgecrest for my XXXX XXXX XXXX which I traded in on XX/XX/XXXX. On XX/XX/XXXX, Bridgecrest received my payoff check from the dealer. On the XXXX I contacted customer service because the car was scheduled for repossession, even though they had the check. I had previously given them the tracking number when the check was first mailed. The representative at Bridgecrest said the car would not be repossessed and the check would be applied to my account and backdated by the end of the week. I checked back on the XXXX and it was still not applied. I contacted them again and I was told the check was not enough. I paid the difference and was told that the payment would be applied and to check back by the end of the week. The payment has still not been applied. I have been assessed late fees and interest ( which they claim will be backdated but they also claim the check will be applied to me account within 48 hours every time I contact them ). They are also reporting to the credit bureau that I am late on my payments. I am at a loss how to resolve this. All I get is I understand your frustration. Be patient. It will be applied and backdated within 48 hours.
05/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 381XX	Web
Notice of Effective Assignment CONSUMER PROTECTION! 47-50-109 Procurement of breach of contracts unlawful Damages by assignor XXXX XXXX and assignee Bridgecrest NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This has reference to Contract dated XX/XX/2020, entered into between myself and XXXX, XXXX XXXX XXXX, XXXX, TN XXXX, assigned to Bridgecrest. I issued a receivable for financing and the seller nor the financing agency has committed to incurring obligations and making advancements under this purchase money loan, which is a cash advancement. Seller has been operating in insolvency. Seller has committed theft of property and services. Within the attachment is a authenticated demand of assignment, therein are a list of violations laws and regulations of XXXX and Tennessee codes committed by seller XXXX XXXX and Bridgecrest from the creation and inducement of the contract. Also included are Federal Trade Commission 's Staff Guidelines On Trade Regulation Rule Concerning Preservation Of Consumers Claims and Credit Practices Rule, in which both the seller and assignee committed violations among others. Remedies also included.
07/06/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	PA 19111	Web
I am writing on behalf of my daughter, who purchased a XXXX XXXX XXXX from `` XXXX XXXX '' XXXX XXXX on XX/XX/XXXX at the purchase price of {$15.00}, XXXX. Now, after tacking on the astronomical interest rates and other fees the total cost of this vehicle is {$35.00}, XXXX,,,,, ,for a XXXX XXXX XXXX . After my daughter recently disclosed this to me a year later, that she was stressed/worried about keeping up with her Bi-weekly car note I immediately started research for any possible resolution for this dilemma that she's in. I didn't know where to start looking for information on ( misleading sales tactics, price gouging, or even preying on people who may have no or bad credit ), until I happened upon this website. She tried to refinance the vehicle at XXXX XXXX, and to our surprise was informed that it was not possible to refinance the vehicle that was only valued at {$4500.00} according to the XXXX XXXX XXXX, yet XXXX XXXX XXXX XXXX have her bound to a contract to pay {$35.00}, XXXX. This is absolutely ludicrous!!! How can they legally do this to consumers and get away with it, or can they??? Is there anything that can be done in regards to this situation?
06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 298XX	Web
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 15 U.S.C. 1681 SEC 602A States i have a right to privacy. 15 U.S.C. 1681 SEC 604A SEC2 Also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681 C. ( A ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes which antedates the report by more than 7years. 15 U.S.C. 1681 SEC2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
03/07/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 787XX	Web
I have an open auto loan with your company Bridgecrest that was opened a few years back. Unfortunately, in XXXX XXXX XXXX I was 30 days late. I have tried to ask for a goodwill letter based on the long-standing relationship I've had with Bridgcrest and the fact that I was in a tight financial situation, but I was not very successful with this request. I am hoping that by reaching out to someone of higher authority that you would be able to assist me with getting the late payment removed from my credit report as it is causing me extreme hardship. I do believe that customer service is limited as far as customer requests are concerned, and I know that they are only doing their job. I want to insert that paying late was not intentional and I have been current ever since and my credit report will show that. We are all human and sometimes have misfortune, and I am asking to be forgiven for this mishap. I have really enjoyed my relationship with Bridgecrest and would love to continue doing business. I hope that you can forgive my shortcomings and help me with this late payment removal. I really hope to hear a favorable outcome from Bridgecrest. Thank you for your time.
02/05/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AL XXXXX	Web
I am purchasing a car from XXXX and the finance company/bank I am paying on the loan is Bridgecrest. The company Bridgecrest I believe is a lending predictor. They prey on people that are poor with bad credit. When obtaining the loan no one disclosed to me I was in a installment loan. Everytime I am late on the loan, I am charged {$6.00} a day. Do to financial hardship I've been late on the loan and can't seem to caught it up because I pay every two weeks on the loan as well as the XXXX a day I just found out last week I was being charged. I have been in this 2009 XXXX XXXX almost 5 years and have paid over {$21000.00} and still owe over {$9000.00} on the loan. I am being ripped off. They call and harass me so much I have to put them on a no call list. I almost loss my jobs behind them calling my back to back while my boss was standing in front of me. I feel defeated and don't know what to do. I know I'm in a predatory loan. Please help! No one disclosed to me I was getting into a installment loan when I purchased this vehicle. I've paid to much money to lose this car, and the company reporting to the credit bureau is making it impossible to get out this car!
02/17/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PA 152XX	Web
On XX/XX/2020 I the federally protected consumer entered a consumer credit transaction with an open-credit plan and have been using the vehicle for household and personal use. As Bridgcrest credit company is the extention of my credit extended back to me the original creditor. Using my social security card they were fully paid at the start of the transaction, using my social security card. They don't have nor can provide me with the original contract for this alleged debt. Anything purchased using my social security card which is under the administration of the United States Corporation. They are responsible and liable for, that's why the alleged statements come in the positive balance and you can't pay on a positive balance. They are a ambiguous debt collector furnishing deceptive forms in this corporation and need to be legally accountable for their actions as a debt collector. I am demanding the agency to work with me the federal protected consumer under the guidelines Fair Debt Collection Practices Act and the amendments to the Truth and Lending Act or else I will pursue federal litigation 's if needing the re-enforcements on the facts of Federal Law.
01/20/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33598	Web	Servicemember
Re : Account # XXXX, Vehicle : XXXX XXXX XXXX I have sent XXXX, XXXX, and BRIDGECREST ACCEPTANCE CORPORATION/BRIDGECREST CREDIT COMPANY a Notice of Pre-Arbitration. I have been attempting to rectify a matter with them on this alleged debt since approx XX/XX/XXXX. XXXX hides behind the false, misleading, and deceptive practices of its consumers, debtors, and holders in due course. BRIDGECREST ACCEPTANCE CORPORATION/BRIDGECREST CREDIT COMPANY attempts to collect on an alleged debt in which I have no contract dealings/assignment with. Both companies who are associated with one another have violated in many ways. They have violated State and Federal laws such as the Fair Debt Collection Practices Act, Consumer Credit Protection, Claims to an Instrument, Truth-In-Lending ( regulation Z ), Preservation of Consumers Claims and defenses, Billing error, and many more. Notice of Pre Arbitration has been delivered and signed for at three locations in which they both operate from. Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX XXXX AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ
09/01/2021	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MI 48091	Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Pursuant to Federal Law Title 15 USC 1666a a creditor shall not directly threaten to report any person adversely on the obliges credit. After receiving notice BRIDGECREST has failed to follow procedures pursuant to FEDERAL LAW Title 15 USC 1666a ( a ) and 15 USC 1666a ( b ) ( i ) after receiving WRITTEN notice the creditor shall not later than 30 days after receipt of notice ( XXXX XXXX XXXX via certified mail and signature for proof. ) send a written acknowledgment and make appropriate corrections in the account. Upon notice which was signed for included an Affidavit of Truth aswell as a Cease and Desist and a Bill of Particulars. BRIDGECREST has failed to comply with the cease and desist order by continuously contacting me. Which all contacts have not been in compliance with Federal Law Title 15 USC 1666a ( a ) ( b ) ( i ) or 1666a ( b ) ( ii ). Instead BRIDGECREST has violated me as a FEDERALLY protected consumer by ignoring my cease and desist order aswell as threatening to take adverse action against any and all amounts in dispute pursuant to federal law.
09/22/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33147	Web
On XXXX XXXX I contacted the Brdigecrest company about account no : XXXX XXXX I requested a full validation of this account Pursuant to federal law 12 CFR 1006.34 which states a debt collector is required to provide a consumer who owes or allegedly owes a debt five categories of validation information. On XX/XX/2022 I received a letter from BRIDGECREST, stating that they were unable to fulfill my request because they had insufficient information... They stated that they had different information, and they wanted me to furnish them with information. This is a direct violation Pursuant to the FAIR CREDIT REPORTING ACT and the FAIR DEBT COLLECTION ACT all information placed on a consumers credit report must be 100 percent acute. I am in possession of this letter requesting that I furnish them with personal information and account information that they have already furnished to the credit bureaus. THIS COMPANY IS REPORTING INACCURATE, AND FRAUDGULENT INFORMATION. I am requesting that this information be deleted immediately. This company is unable to validate this account and information and has not done so in the time frame alloted to them by Federal law.
07/31/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 77316	Web
At the beginning of XXXX I called to have both of my vehicles deferred and I was told that I would have to call back to request the deferment on XX/XX/XXXX because my payment wasnt late enough to be approved for deferment. I waited until the XXXX and called back to try the deferments again. I was approved on one within a few days but was denied on my XXXX XXXX, which I was never notified of denial. I then called back on the XXXX to check the status of the deferment and was told it was denied because the deferment would not cover the balance due, even though it was only 30 days late ( one payment ). I asked how I owed an additional {$500.00} at that point and they said that I had made an agreement to make a payment, which would defeat the purpose of me needing a deferment. I explained that I wouldnt agree to that when the whole reason I was deferring a payment was because I could not pay. I then had to submit another request for deferment for two payments because one of the agents put that in their notes. I still have no resolution and it feels like they are making excuses not to approve this deferment. Very frustrating when just trying to get help
10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 303XX	Web
I am XXXX XXXX XXXX XXXX, and XXXXm submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. BRIDGECREST : Account number : XXXX - This account has not been investigated by the bureaus. I have already sent several letters, but it still states 'Account not disputed. Please remove this account due to the lack of investigation. '' XXXX XXXXXXXX : Account number : XXXX, Please remove this account due to inaccurate reporting. The payment history shows late remarks on a charge-off account, the payment status is listed as 'Unknown, ' and the account rating differs across bureaus, with XXXX showing 'Paid ' while XXXX lists it as 'Derogatory. XXXX XXXX : Account number : XXXX, This account has not been investigated by the bureaus. I have already sent several letters, but it still states 'Account not disputed. Please remove this account due to the lack of investigation. ". This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
05/23/2023	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Lost or stolen check	IL 604XX	Web
Bridgecrest car financing company said they submitted a back out refund check to me in regards to backing out of financing me for a XXXX XXXX XXXX with XXXX in XXXX Illinois on XX/XX/XXXX. I spoke with a representative from their team that confirmed the check was issued and would take 7-10 business days to be mailed to my home. I have checked my mailbox everyday, called XXXX to see if the check may have been sent there and asked for several updates regarding my check and still have not received anything. I called Bridgecrest on XX/XX/XXXX to inquire about my refund and the agent reached out to their accounts payable department who told him that they did not see any details of a refund on their end. He then spoke with their escalation team who confirmed that I was supposed to receive a refund from Bridgecrest and I was told he has to submit some sort of ticket to gain more information about if my check was ever sent out and to get more details. My car was taken on XX/XX/XXXX and it has been almost 30 days and I still have not received my money. The attachment that has been submitted serves as proof of the blackout that was submitted on XX/XX/XXXX.
11/30/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MS 388XX	Web
I refinanced my auto loan in XXXX with XXXX. They sent a check to Bridgecrest to pay off the loan. My payment due date was XXXX the XXXX and since Bridgecrest exists because of bogus fees, there is no grace period on their loans. So I had to make my payment that day. Then they post the check from XXXX on XX/XX/XXXX, we can call that a coincidence if they like, but we all know it is not. Bridgecrest refuses to refund me for the overpayment amount which is around {$690.00}, I can not get the exact amount because they have shut off my access to my account and do not send out paperwork. The majority of their business is fraudulent, so that is no surprise. I have called and spent hours on the phone with them and getting the run around, but still no check. This is my last ditch effort to get my funds as the next step is court and the entire fraudulent loan itself will be brought into question then as well as their shady business practices. I charge {$1000.00} an hour as well and they will pay that bill for all the hours I have wasted on this by them trying to steal my money as well as making me pay interest on money that couldn't exist without me.
10/25/2023	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	TX 79705	Web
I then sent Satisfaction of debt documentation via fax and certified mail # XXXX on XXXX XXXX XXXX. I called customer service again on XX/XX/2023 approx XXXX to ask if title can be released electronically and was told title would not be released due to company prematurely discharging debt and closure of account. After speaking with agent approx 30 mins to understand the reason for not releasing title She then continued to blame me and began to use derogatory terms and abusive language, stating you must be XXXX speaking on the release of title. This agent then began to state that they will be attempting to reopen account without my permission. Agent did confirm 3 times during phone call that the status of account is showing Paid in Full and still showing closed as of today and she also admitted it could be a possibility this action was a mistake on their part but she understood they do not have my permission to reopen or recontract any terms on a discharged debt due to no fault of my own. I then again asked agent to confirm current account status and Is the account status showing it is Paid in Full and is account closed? She replied again Yes
11/29/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA 19140	Web
I opened my auto loan with XXXX / Bridgecrest on XX/XX/XXXX. My monthly payment is {$370.00}. I have never been 30 days past due on my auto loan. My last payment was {$760.00} on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and informed representative that my employer had not payed my direct deposit. I asked BridgeCrest to defer my payments for XX/XX/XXXX & XX/XX/XXXX. Furthermore, I asked representative if I had ever been 40 days past due on my auto loan and she said no, I asked her based her her experiences what are the chances of my payments getting deferred and she said she does not see it being a problem. Informed representative my employer would have to research where the deposits is. Representative processed my request for the deferred payments that were due on XX/XX/XXXX and XX/XX/XXXX and said I would receive email with decision. Received email today and I was denied. The XXXX XXXX requires creditors to work with consumers that has harship paying on loan. I did the right thing and called Bridgecrest to have loan payments deferred and I was denied. It is bad enough I have to deal with high prices for food and essential items. This is sad.
11/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33147	Web
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
09/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19701	Web	Servicemember
In XX/XX/2018, Bridgecrest charged off my car from being less than 30 days late. As per the Servicemembers Civil Relief Act ( SCRA ). I have attached my orders from my XXXX aboard XXXX XXXX XXXX. I sent them an email, as my ship internet connectivity did not work well once we were far out at sea. We could send an email, but doing much else was not feasible. I spoke with customer service and was sent the attached ledger, which does not make sense to me. I keep getting from the company to call them when I file a complaint with the credit bureau for over a year now. What has been placed on my credit reports are not correct and it should have not been placed for collection. Code 50, U.S.C 3952states that a vehicle can not be repossessed during a XXXX XXXX XXXX time. I was on XXXX. It was not repossessed but they charged it off without being 30 days late. Also, when I called and spoke with the representative, he stated that they did not want the vehicle back but would instead require me to pay in full the amount that they say I owe. This is my last attempt before hiring an attorney to sue. The last uploaded file is the excerpt from the SCRA.
01/19/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NC XXXXX	Web
I entered into a consumer credit transaction with XXXX XXXX on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved, the finance charge in this case being in the amount of {$11000.00}. Pursuant to 15 USC 1605, a finance charge is the sum of all charges in a consumer credit transaction but all charges have not been included in the finance charge.. In my knowing that the finance charge is the sum of all charges, I was not expecting any bills from Bridgecrest LLC or anyone else. However, on XX/XX/2020 I received a bill from Bridgecrest in the amount of {$390.00}, and they have sent me a bill every month since then XXXX attempting to collect a debt that I do not owe, which is a violation of federal law 15 USC 1692f ( 1 ) which states that the collection or the attempt to collect of any amount is not permitted. I have sent both parties ; XXXX and Bridgecrest an Affidavit of Truth stating the facts of the violations committed against me along with exhibits, Ive also sent them a Cease and Desist demanding civil liability remedy for violating my consumer rights, as well as an invoice demanding payment.
11/14/2019	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Billing dispute for services	DE 19701	Web
In 2009 my purse was stolen and it contained all my personal information ( driver 's license, social security card, birth certificate and all my children 's personal information ). When i got my credit report there were things that i didn't do. I contacted Bridgecrest/XXXX about a car loan/lease that appeared on my credit report. I explained that I am a victim of identity theft and the loan/lease was opened fraudulently by someone else that is using my identity, I sent in proof of my identity theft. I sent a police report, affidavit from Federal Trade Commission, affidavit from DMV, and a statement from me explaining the situation.I have several attempts to rectify this situation and it's still here affecting my credit. It's affecting my life and i didn't even do it. I have never applied or accepted and loan/lease from Bridgecrest/XXXX, so it should be removed as soon as possible. My credit report says the estimated amount is for {$19000.00} and the account was opened on XXXX. I have knowledge of this account because i have never applied for any loans. After call after call and letter after letter, Bridgecrest/XXXX will not do anything.
10/11/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AL 359XX	Web
Around XX/XX/20, my car was stolen, wrecked and impounded. I filed a police report and notified XXXX. On XX/XX/20, XXXX inspected the car. On XX/XX/20, XXXX tried to pick up the car from impound, but it was gone. It had been repossessed by XXXX/Bridgecrest. There has never been a late payment and all payments are up to date. Over the next several days, I made numerous calls to XXXX trying to get the car back. They repeatedly gave me inaccurate and misleading information. The notice of disposition they provided had one amount and set of instructions while they provided a different amount and instructions verbally. They refused to provide accurate written amounts/instructions even though the notice of disposition said I have a right to a written explanation. On XX/XX/20, I was forced to pay the entire balance of the loan plus repossession fees, so the car wouldn't be sold at auction. They would not give me a receipt for the repossession fees. Also, they are reporting the repossession on my credit report even though it is not a financial issue. I have NEVER missed a payment, all payments are up to date, and the loan is now PAID IN FULL.
10/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27516	Web
I had an initial auto loan with Bridgecrest, upon financing with a more reputable bank, a payoff check was sent to Bridgecrest from our new bank XXXX. Bridgecrest received the check on or around XX/XX/2021. The tracking number proves it was received by Bridgecrest. They told me the check was in process. I spent three weeks calling them and asking why the check had not been cashed and they kept telling me it was being processed. In the meantime, I started paying my new auto loan. Our new bank had to cancel the XXXX check that was sent to Bridgecrest and send a new one, which they finally cashed in XXXX. Today I pulled my credit to find that Bridgecrest had reported my autopayment late, even though I attempted to pay off the loan in its entirety in XXXX! They are claiming that I was late since the loan was not paid off until XXXX ; however, I have all of the documentation that we paid it in XXXX. They need to correct my credit report now. This is fraudulent and they mishandled funds. I am attempting to refi my mortgage and the rate will only be held for one week and I can not go forward with the process until this is taken care of.
12/02/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75050	Web
I have a simple interest loan. My car note is XXXX. I pay XXXX for each payment due. My payment XX/XX/XXXX I request that the overage XXXX be applied to my principle balance. My issue is they are not reversing the payment back to the date of the payment. Also if I pay early it is applied on the due date not the actual date of payment. I'm trying to reduce as much interest as possible. My payment XXXX reversed and reapplied XX/XX/XXXX causing me to accumulate 10 days of interest. XX/XX/XXXX ( principle only payment ) reversed XX/XX/XXXX, 5 days of interest. XXXX reversed XXXX, 4 days interest. XXXX reversed XX/XX/XXXX, 6 days of interest. XXXX reversed XX/XX/XXXX, 13 days of interest. XXXX reversed XXXX, 2 days interest. XX/XX/XXXX payment applied XX/XX/XXXX reversed XX/XX/XXXX, 10 days of interest added to my account, which has added XXXX debt to my credit causing my credit score to decrease by 32 points. I called 5 times and texted twice to have my XXXX payment reversed before it was actually done. I made a previous complaint about my request for reversal and as you can see it is increasing my debt and affecting my credit score.
11/27/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KS 660XX	Web
I purchased a vehicle with a Auto loan from XXXX for the total amount of XXXX per month for 36 months over the course of this loan i had the engine fail on me i had only had the car for two months i had to hire a lawyer to get them to honor the warrantee on the engine past the engine issue it took 6 months for the car to be returned to my ownership after which i have had to take the automobile to a third party mechanic ever since and they chose to charge daily interest making my total payment XXXX a month never informing me of this change just about every operational part has had to be replaced on this automotive device the car was stole from my enclosed garage in a gated community on XX/XX/2017 at this time i had been dealing with identity theft issues to which i had PHI and PII information located within the auto the thieves did not give me the opportunity to gain access to all of my paperwork and data as a direct result of this XXXX now Bridgecrest has stolen my identity I did call my local law enforcement whom referred me to this site to file the complaint as of today 's date this loan is up to date showing they owe me XXXX
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17055	Web
this is a notice of consumer findings regarding unfair and inaccurate practices. via Bridgecrest Acceptance Corp privacy policy and section 1692e ( 16 ) of the FDCPA. Bridgecrest Acceptance Corp privacy policy implicates and gives false representation as a means in connection with the collection of debt by operating falsely a consumer reporting agency by using nonpublic information and abusive debt collection practices to put my creditworthiness at a competitive disadvantage. it is a violation via 15 USC 1692e ( 16 ) for a debt collector to operate by a consumer reporting agency and give false representation or implications that they are doing so as proof see the privacy policy attached. The consumer reporting agency is in violation of marketing information, unfair and inaccurately backed on the exchange of information that should otherwise be excluded from a consumer report via 15 USC 1681a ( d ) ( 2 ). A consumer report should not include information solely as to transactions, communication of that information, also information that's used as an authorization of an extension of credit by the issuer ( me ) of a credit card.
06/03/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TN 37069	Web	Older American
Mishandling of payment check. Failure to apply payoff of loan in a timely manner. Payoff check was received on XX/XX/2021 and has not been applied to the account as of XX/XX/2021. XX/XX/2021. Payoff quote was obtained and check issued for payment in full. XX/XX/2021. XXXX tracking receipt shows check was delivered on Monday XX/XX/XXXX at XXXX am signed by XXXX XX/XX/2021. Made a due monthly payment on the account. XX/XX/2021. Called company and inquired as to when the payoff payment would be applied to account. Representative stated they had " no record of receipt '' and it would take " 10 days to process after receipt. '' XX/XX/2021. Called company again and inquired as to when payoff payment would be applied to account. Representative claimed they had " no record of receipt '' and the payment was " not yet received. '' XX/XX/2021. Called company again and inquired as to when payoff payment would be applied to account. Representative stated that they, " can not find and have lost the payment check. '' XX/XX/2021. As of XXXX XXXX payment has not been applied to the account. Next monthly payment is due by XX/XX/2021.
08/01/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64133	Web
On XX/XX/2021 I received a threat from Bridgecrest, letter titled " Notice of right to cure and intent to repossess '' as shown in ( Exhibit 1 ) attachment, which is a violation of the following consumer rights : Title 15 USC 1692c ( Communication ). Title 15 USC 1692d ( Harassment or Abuse ). Title 15 USC 1692e ( False of Misleading Representations ). Title 15 USC 1692f ( Unfair Practices ). Title 15 USC 1692h ( Multiple Debts ). Title 15 USC 1692j ( Furnishing certain deceptive forms ). Title 15 USC 1605 ( Determination of finance charge ). Title 15 USC 1635 ( Rights of Recission ). Title 15 USC 1662 ( Advertising of down payments and Installments ). On XX/XX/2021 I submitted a complaint to CFPB concerning Bridgecrest violations of ( TILA ) & ( FDCPA ) exercising my " Right to Rescind '' and still have not got a respectful response. CFPB Complaint Number # XXXX - XXXX. Also, Bridgecrest have received all documents concerning this legal matter via USPS with Evidentiary proof of service as shown in the attachments. To conclude, Bridgecrest has 3 days to comply or legal action will be taken as shown in attachment.
04/18/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 43229	Web
Fell a few days late on my second payment they stared calling my phone 10 plus times a day even when i would answer and explain my situation and advise on the day i could have a payment drafte out of my checking account which would be the following wensday the agent refused to set up my payment or skip a payment as their website said they could do so i posted a check on their site my self for two paymentd they went in and cancelled my payment and put my acount in repossession status i reset the payment as a posted dated check again for it to draft on the wendsday for the double payment they repossed the car 1 day prior to the day when my payment would have covered when i called to offer the the XXXX plus the repossesion fee to recover the vehicle they where rude and stated that i would have to pay 16000.00 + so not only did i loose the vehicle i lost XXXX down payment not including the prior payment that did take out my account ... they prey on me and will resell this vehicle repeatedly taking people down payments the and reposssing cars as soon XXXX your 4 days late exc.. Repeatedly i do not recommended Bridgecrest
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46219	Web
I submitted 2 disputes to XXXX in XX/XX/2022 regarding the inaccurate reporting of an auto loan I had with Bridgecrest. I submitted proof of the loan being paid off on XXXX. There is NO balance owed on this account. XXXX refuses to correct there inaccurate reporting. I even filed a complaint with the CFPB for Bridgecrest. On XX/XX/XXXX Bridgecrest responded with a letter acknowledging my disputes and stated they have now reported the accurate balance of {$0.00} to all credit reporting agencies. As of today XX/XX/2022, the innacurate reporting continues on my XXXX and XXXX credit reports. This a a violation of the FCRA and something really needs to be done to enforce accurate reporting. I am attaching the letter that Bridgrecest send to the CFPB. Obviously Bridgrecrest lied again did not correct there mistake even though they said they did. XXXX wont let me dispute the Bridgecrest account as they say I have already disputed it. I am also attaching a copy of my XXXX credit report dated today XXXX which clearly shows the inaccurate balance for my Bridgecrest account. Please CFPB look into these violations of the FCRA!
01/05/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 75134	Web
I have been back and fourth with this company now for almost a year about removing his fraudulent account from my credit. I asked them to VERIFY this account with proof of my signature SEVERAL times and this final time I was asked by Bridgecrest for me to mail in copies of my license, social security card, and a Notarized Theft Affidavit which I did only to receive a letter a week letter requesting the SAME EXACT information ... I called Bridgecrest on today XX/XX/2017 and spoke to a rep that said that XXXX ( another rep ) at this company " verified '' my signatures matched on everything. This is the SAME information have been requesting for almost a year in writing which I KNOW is COMPLETE XXXX. Because this is a fraudulent account. I have done my part as far as disputes, Theft Affidavit 's, and reporting to CFPB. Bridgecrest can wash their hands with getting paid for this XXXX. account because it will NEVER happen. You should investigate better when something is being brought to your attention as well as hire people at your locations to do better jobs at verifying peoples identity " WE ALL DO N'T LOOK ALIKE ''.
06/01/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 32792	Web	Servicemember
The Vehicle from original creditor, Bridgecrest ( XXXX XXXX XXXX ) was repo 'd in XXXX. I never received notice that the vehicle was sold nor what the remaining balance was after it was sold. Bridgecrest THEN sold my information without my knowledge to a third party ( XXXX XXXX XXXX ). The account has been reported as a charge off and NOT a repo. It was repo 'd and I do not have the vehicle in my possession. Also with the vehicle being reported as a charge off, the third party company is reporting it as an open collection account. How is it open, but reported as a loss/charge off? XXXX XXXX XXXX has also pulled my credit report on multiple occasions without my permission. They have also failed to provide me original documentation on the purchase of the debt and my original contract. Bridgecrest is a predatory loan servicer conducting illegal business and sells your information post repo after claiming a loss on their taxes. So they have also conducted tax fraud. Also in the month of XXXX ( XXXX ), XXXX XXXX XXXX falsely reported my account as 120 days past due. The vehicle was repo 'd THEN charged off in XXXX.
02/17/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TN 37421	Web
Total amount owed on my Vehicle was {$24000.00}. I sent in a check for {$25000.00} to pay off vehicle to Bridgecrest XXXX ( XXXX ) I was told I would be charged XXXX cents a day after the XXXX day payoff period and that they would put whatever date the check is made out for which was ( XXXX ). I overnighted the {$25000.00} to them via XXXX, they received the check on the XXXX of XXXX and are still saying I still owe {$510.00} and are charging me XXXX cents a day after I have already given them {$25000.00} plus the XXXX $ a month I was paying on the car for the time I had it, which totals around XXXX XXXX In all I have given Birdgecrest also known as, XXXX over {$30000.00} for a used car with over XXXX miles on it, and they are still saying I owe them XXXX XXXX Their employee told me on a recorded line that I wouldnt have to pay anything after XX/XX/2022 once the check was received if the check had a printed date, which it did! This is not okay and they also reported to my credit company that I was late/delinquent and the check is dated for the XXXX of XXXX. This isnt right and they should be held accountable!
06/03/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 32548	Web
I traded in the car associated with the loan in question on XX/XX/XXXX and the 10 day pay off was overnighted to Bridgecrest by XXXX on XX/XX/XXXX. The payoff was not applied to the account untill XX/XX/XXXX which resulted in an automatic bank draft to be completed on XX/XX/XXXX for the monthly payment, even though they had the payoff amount. Bridgecrest said it was because of processing time and that they would have an answer for me on XX/XX/XXXX on when I would have my overpayment reimbursement check and how much it would be for. When I called today, they said it just went to review today and that I won't have an answer about how much or when my reimbursement check will arrive untill XX/XX/XXXX. They continue to kick the can down the road and are holding on to money that doesn't belong to them. I also received a letter on XX/XX/XXXX congratulating me on paying off the loan and notifying that the title would be sent. I do not understand how they would be able to do this without knowing what my overpayment was and how they can legally be allowed to hold onto those funds if the title is already being sent out.
08/17/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NY 11692	Web	Servicemember
Bridgecrest Financial - Acct # XXXX In approximately XX/XX/XXXX I was struggling financially to maintain my car loan after contacting the car company with a 91 day delinquency they informed me that my loan was charged off and if I wanted to keep my car a XXXX XXXX XXXX I would have to pay them {$1900.00} to keep the car and {$480.00} per month after that no later than the XXXX of the month. I have maintained this agreement until recently when I lost my job due to COVID-19 & a work slow down at my employer. My complaint is that on my credit report this loan shows as charged off and none of my payments have been noted or deducted, this account being inaccurately reported is having a negative impact on my credit life and it is causing me a great deal of stress and negatively affecting my ability to obtain new credit, a mortgage and new jobs. I have made contact with Bridgecrest and asked for a credit bureau update or correction and they informed me that nothing will change until the loan is paid in full. Please help me if possible looking for the account to show Im current since I have been paying the loan.
03/28/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	FL 32771	Web
The loan is bad. I wasn't aware of this until I attempted to refinance. I did state that the loan was way too much at the beginning but I was told if I paid for one year I would be given the option to refinance. When I went to do this I was told the reason that I can NOT refinance is that the Loan to Value for this loan is 260.00 % The car is worth {$9400.00} My current loan is {$23000.00} I am a XXXX patient and I called to see if there was ANY WAY to negotiate a payment I can do. There are NO hardship programs. I am paying but I want to refinance so that I have a more reasonable loan and csr payment. They did NOT offer me any refinance options and no refinance company will touch this. They have literally tricked me with legalese and lied about options we would have later. Being that they are a financial company I am SURE they are aware that that kind of LTV is going to LOCK US IN. However when we asked we were told on a recorded line that we could refinance. No one will do that with this kind of LTV ever! I didn't know this! But I did see this was so high and I DID ASK AND THEY LIED AND SO DID THE DEALER.
12/03/2021	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	MD 219XX	Web
Thru bridgecrest is my original loan for my car. I refinanced it with XXXX in XX/XX/2021. I reached out to bridgecrest XX/XX/2021 on whether payoff received and was advised it was not. I went to XXXX put a stop payment on first check since had been a month and certified overnighted a XXXX check and bridgecrest verified to me while in the XXXX office on XX/XX/2021 was signed for by their front desk but still hasnt been applied to my payoff now as of XX/XX/2021. Check was received XX/XX/2021. XXXX now needs a letter stating the payoff is still the same XXXX lien be released if a XXXX check needs to be issued since bridgecrest can not find the XXXX check that was signed for by their representative. Bridgecrest is advising as of today they can not issue that letter. In mesntime I am paying on this loan thru XXXX since XX/XX/2021. This is reported in my credit report now as XXXX days past due and I have cleaned my credit up and come a long way over last XXXX years. I also feel I should be compensated at this point for the stress and frustrating and hours on the phone which resulted in missed time from my job.
09/09/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 75104	Web
I went to XXXX in a time of need searching for a car. I was sold a XXXX XXXX XXXX XXXX XXXX with a selling price of XXXX which is was over the value but doable. After a year of constant on-time payments I figured it was time for me to refinance, wrong! I was told by numerous banks that they were unable to lower my payments due to the value and age of the vehicle vs. the amount owed on it. I was confused. Somehow I ended up being financed more than needed and owed a total of XXXX after a year which apparently came down from XXXX. I was in a shock. I feel like I was taken advantage of being a young kid in need of a car. I even asked the lender if I was able to trade in my vehicle for something with lower miles due to being affected by hurricane Harvey I am now back and forth between XXXX and XXXX they replied, " If your balance is XXXX or lower. '' I asked was a able to re-negotiate my contract that was a no. I tried every way possible to remedy this situation it is impossible, especially with no help from the lender or dealership. I do not recommend doing business with them, they are not for the customer.
11/26/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 91730	Web
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.
11/29/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 787XX	Web
I had to get me a car because I was need of transportation like anyone else with a job! I had about {$400.00} left to my name & went to XXXX XXXX because I could do a low down payment! After test driving multiple cars without a/c & a high mileage, I found one that had a/c & was around XXXX XXXX miles. I read through the paperwork & signed. A couple weeks/ months later I go to make an extra payment on my account, so I could start paying on the principal no problem! Mid way through my payments, I had to call & be told that my payments are now going toward only the interest because my early payments caught up. Maybe XXXX XXXX but I need someone to explain how thats possible. Ive made little payments here & there, and have even made an actual auto payment early, somehow that all caught up to me. I went to check my account this month & my loan hasnt moved anywhere so it seems like that little payments didnt help at all. I cant help but to think Im being scammed or taken advantage of! ( I know getting any loan is a guaranteed scam, but the communication during the whole process is XXXX awful & confusing )
07/03/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MA 02301	Web
My auto-lender " Bridgecrest '' illegally repossessed my car, without " any '' notice on Friday XX/XX/. I live in Massachusetts and according to State Law before an auto lender can start the repossession process they must first send written notice to a consumer. I have not received any correspondence from my auto-lender signaling any intent to repossess. When I arrived home ( Private Property ) on Friday my vehicle was not in my Parking Spot. I initially thought the vehicle was stolen. I contacted Bridgecrest and they said : " Oh yeah, by the way the vehicle has been out for repossession since the XXXX XXXX XXXX When asked why they did not notify me of the repossession they admitted to not sending the notice and said : " It is up to you to contact us about your own account '', when asked why the repo man illegally came on my private property to remove my vehicle I was told to contact the repo company. I also had paid my auto-lender one day prior to this illegal repossession and was told that my payment could not be considered in any quote to redeem the vehicle. I am dealing with XXXX and need help.
01/20/2024	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	GA 30008	Web
Speaking with XXXX she ensured she would send arbitration agreement where I can opt out of a 3rd party getting my information from Bridgecrest. I have never received this agreement and it is illegal for a corporation to give my information to a 3rd party. I asked for the agreement so I can opt out of a 3rd party including anyone looking to take my car having my information and my XXXX. I spoke with XXXX and she said they dont take a special deposit or any other negotiable instrument except federal notes as payment. If they dont take 1099a, special deposit or any other negotiable instrument where I endorse the bill I am asking that they discharge the debt. I am the director and beneficiary of my legal person trust XXXX XXXX and this is how I want to settle this account. I will also make payments with federal notes if they can provide proof that Bridgecrest was not loaning out other peoples money and if they can provide proof that they provided equal consideration in the contract I signed. I have not received any response and I will gladly settle the charges as soon as they provide whats been asked.
08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43230	Web
The account with Bridgecrest should reflect a {$0.00} balance. Currently it is still reporting a balance on the loan which appears on the 3 credit reports XXXX, XXXX and XXXX. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Bridgecrest, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
05/16/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	OH 45103	Web
Company was gracious and understanding, in the beginning. Called to inquire about payment deferment due to COVID-19. They claimed they extended my time by a month, which was really two weeks, from the previous payment date. When I called in to see if they would extend deferment because the Governor of Ohio extended the mandatory closure of the state by 30 days, they were not willing to help at all. They implemented no policy for COVID-19 and used their standard deferment policy, which is after one deferment is given, 6 months is required before you can have another one, all while still reporting to the credit bureau. Yet they have a propaganda campaign of " We're Here To Help '' posted all over their website. The business practices of this company are beyond questionable, the ethics are non-existent. I would not recommend this company to anybody due to their lack of empathy with the ongoing pandemic, and lack of effort to do anything to help the consumer. I will be refinancing my loan through another lender and cancelling any contracts with anybody affiliated with this company, ( i.e. XXXX )
05/02/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
On XX/XX/XXXX My XXXX XXXX XXXX Was Total Lost XXXX my insurance paid the value {$12000.00} I spoke with XXXX ( Which is BRIDGECREST ) & All CALLS ARE RECORDED WITH THEM ... I was told My Gap Insurance Taking Care The Remaning Balance I didn't Owe Anything I will receive papers to sign ... I Called Again Cause I Didn't Recieved Anything while weeks went by I called again ( spoke with BRIDGECREST & my gap insurance company in 3way ) was told everything being paid ... I DIDN'T RECIEVED ANY PAPERWORK FROM BRIDGECREST OR ANYTHING after that until I looked at my credit report they saying I owe {$8.00} I wrote BRIDGECREST a letter for verification of this amount, how was this amount calculated, where it come from 3 TIMES I REQUESTED THIS & they refuse to Validate this they refuse to send me proof of this bill ... I don't owe them anything they reporting late payments on my credit I asked them to Validate that 3x & yet to do so they reporting different amounts on my credit also they sent me copy of my contract but yet to send how they came up with this extra money after the car was paid IN FULL
04/04/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 34761	Web
According to Florida Law chapter 624 if I can't pay for insurance ( because the premium is higher than the car payments ) the bank has to pay for it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX-XXXX/XXXX/XXXX/XXXX.XXXX I called my lender, Bridgecrest, to apply forced-placed insurance to my car in exchange for higher payments. Bridgecrest refused to do that and I can't afford full cover insurance. My HOA found out my car has no plate and are pushing me to move the car or have it towed at my expense, at which point I would need a license, proof of registration ( don't have ) and proof of insurance ( none ) in order to get it back from the impound lot. I have been struggling with this all week and I don't want my credit ruined and my bank account gnashed because Bridgecrest refuses to pay for car insurance. Bankruptcy won't help neither since filing for chapter XXXX or chapter XXXX won't help since I have to sell non-exempt property or make payments. I don't deserve a decade of financial suffering over a car. This has gone far enough and I can't lose everything I worked so hard to gain.
11/17/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 75455	Web
On XX/XX/16 I logged into my auto loan account to make a payment. I have fallen behind due to less hours at work but I still make a payment every 2 weeks. I am behind 42 days and was logging in to make a payment. My account said you have been approved for 3 or 4 payment deferments to assist me on my account I just needed to click sign paperwork electronically. I clicked and it stated your modification offer has expired. I contacted customer service and told them I did not know I could do a modification and she said it was only for 48 hours then asked when I could make my next payment? I said I made one today but I am very interested in the deferment so I can be current on my loan. She said sorry you no longer qualify for that offer. I asked what made me qualify and why did it expire the same time I saw the offer? She said I am sorry it is no longer available then again asked when can you make your next payment. They get some reward for securing your next payment and the modification offer was a trick to get me to text them and inquire about the offer. Very deceptive and shady practices.
11/02/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	DC 20009	Web
I entered into an agreement for a car loan with XXXX on XX/XX/15. The loan was for 60 months at interest rate of XXXX for a total amount of {$35000.00}. After 2 months the loan was sold to Bridgecrest, which I believe is the same company as XXXX based on the telephone numbers I called to make payments. During the course of the loan there was a repossession which was cured but the money paid to cure the repo was not reported on my payment history. There were late payments on the account which were charged {$50.00} per my contract for each month the payment was paid late. They did put 7 monthly payments at the end of the loan which would have made the loan a 67 month loan to payoff. I continued to make payments and realized that I'd made 72 payments. I called Bridgecrest to speak with someone but I kept getting the run around. I sent 2 letters asking for why the loan wasn't paid off yet since I'd made 72 payments on a 60 month loan. Even if they added the 7 extra months it still should be finished. I continued calling and finally stopped paying the loan until I get an answer about this.
08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85225	Web
On XX/XX/XXXX, a Deficiency Notice request regarding account # XXXX was sent to Bridgecrest Acceptance Corporation pursuant to the laws of the State of Arizona UCC Article 9 State RISA and MVISA statutes. As the attached correspondence confirms, the vehicle was sold in XX/XX/XXXX ; however, I NEVER received any form of notification as required by law. Since Bridgecrest failed to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle within 14 days upon receipt of the request, I disputed the account with the credit bureaus in XX/XX/XXXX and asked for it to be deleted. My request to have the account deleted was not granted despite the law being violated. Because the time allotted by the statute to produce proof of the alleged deficiency has expired, rights to a deficiency is waived under UCC Article 9-616. I once again request to have account # XXXX deleted immediately from all credit reports for XXXX XXXX and XXXX XXXX for the reasons stated. I also ask for all derogatory remarks to be removed from ALL credit reports.
07/27/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92405	Web
In XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX set up the payment schedule as bi-weekly to coordinate with my paydays. The due date since I entered the contract is the payment to be withdrawn from my checking account the Saturday after my bi-weekly Friday payday. Now, this is the date that the dealership arranged not me. Just recently XXXX XXXX XXXX became XXXX and its been brought to my attention 2 years into this contract that my payment is consecutively late each payment ( twice monthly of $ XXXX monthly on a XXXX pay period month, if there is XXXX pay periods total monthly payment is {$690.00} ) at 19 % interest Im being charged late fees. Now, this was not my error or doing and I would like my account credited from the time of purchase to present being that Im paying extra interest and late fees for their doing. I 've made every payment on time to my contract and if the contract was written to pay late then that 's a serious concern to me since I feel as if theyre ripping me off. I was told my payout for this XXXX XXXX XXXX is still over XXXX. This is an outrage!
02/13/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33825	Web
well i had purchase a car from XXXX in XXXX it was XXXX ; XXXX dollars on the windshield of the car when i look at at and decide to purchase the car which the open date was XX/XX/XXXX and the last update XX/XX/XXXX which terms of this loans 64 months at payment i am paying XXXX which the car is not worth XXXX dollars by the terms of 64 months to pay off they told me my interest was 12 percent now i find out it 18 percent which they are a rip off company my balance today on my credit report state that XXXX which i have been pay this car off that are company over charging customers on a car loan need to be report which i have done threw my credit beareu company XXXX i am not happy at all with is because i know they are rip me off in a high interest charge my amount of payoff is not right everytime i call them they aint trying to explain or solve the issue on this problem they don't have no answer to what i be asking about the situation i have been dealing with them ever since i had this high rip interest with them the company name is XXXX there address XXXX XXXX XXXX XXXX XXXX, XXXX
10/10/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	AL 358XX	Web	Older American, Servicemember
I bought a new car, so I called bridgecrest to get final payoff. I was told final payoff would be {$16000.00} if paid by XXXX XX/XX/XXXX or incurred a fee of {$2.00} a day. My regular monthly payment was made on XXXX XX/XX/XXXX & final payment of {$16000.00} was made on XXXX XX/XX/XXXX, so, I should have received a refund ( roughly {$320.00} ) due to an overpayment. I waited to receive a confirmation from them, but did not. I called to inquire & was told that there are no notes in my account indicating an overpayment or a refund due. They advised me that would have to research. I don't understand why the refund was not immediately processed when they received the payoff. I escalated my complaint to consumer service to inquire about Bridgecrest procedures for processing refunds, but was not given any process. I believe if I hadn't called, I would not receive a refund & my concern is how many other consumers are not receiving money owed if they don't call. Is this a common practice or an oversight? My case should be investigated to determine if this is a trend with Bridgecrest.
07/01/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	TX 75154	Web
I entered a consumer credit transaction with Bridgecrest/XXXX on XX/XX/2017 which involved a finance charge along with a down payment of { {$1600.00} } cash. Pursuant to 15 U.S. Code 1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. Bridgecrest/XXXX is in violation of the 15 USC 1605 Truth In Lending Act. Bridgecrest/XXXX didn't offer any insurance, they failed to disclose to me my right of recession, and failed to provide me with the appropriate forms to exercise my right which is a violation of 15 U.S. Code 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Bridgecrest/XXXX is XXXX liable, pursuant to 15 U.S. Code 1611, and also civilly liable, pursuant to 15 U.S. Code 1640 and 15 U.S. Code 1692K. Please find attached proof via an Affidavit of Truth and Exhibits which have already been sent to the company and in return I only received back a generic customer service response which I will also attach. I appreciate your help in solving this matter. Thank you.
03/17/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 30116	Web
I purchased a car that was financed through Bridgecrest. The autodraft amount was {$280.00} per month. On the final payment, only {$160.00} was the balance of the loan. However, they still withdrew {$280.00}. When I contacted the company, they refused to refund the overdrawn amount in a timely manner. This is despite the fact that the last two statements I received from the company, indicated the correct amount on the invoice was to be withdrawn. Also, the automated text message I received indicated the correct amount. In addition, my account can no longer be accessed through their online portal. The " customer service '' manager XXXX # XXXX ( refused to give her actual name ) was very condescending in her " explanation ''. There was NEVER an apology issued, nor a definitive resolution to the problem. In addition, their 1.2/5 star online review average leaves little confidence that the funds will be refunded at all, much less in a timely manner. The company policies are obviously intentionally flawed as they are giving themselves interest free loans on paid out accounts.
06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89135	Web
Greetings. I addressed the consumer protection laws and expressed the U..S.CODES that violates my consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. You Bridgecrst are knowingly violating my consumer rights and these late payments ( I made payment arrangements for and was assured would not report to my consumer report ), shows lack of integrity on your part. Your response does not address the consumer laws I have sited. Additionally I have learned that down payments are actually illegal and premium insurance should have been added to my purchase by you at the time of my purchase. If you do not delete the late payments immediately, I will be forced to seek remedy for all the violations and damages your reporting has cause me- the consumer. Regards, XXXX XXXX
11/02/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AL 359XX	Web
This is a supplement to my complaint filed XX/XX/20 against Bridgecrest. They illegally repossessed my car even though I've never had a late payment and all payments were up to date. They charged me {$910.00} in fees ( {$290.00} repossession fee, {$270.00} for a key, and {$340.00} for impound ) plus I had to pay the entire loan balance or they were going to sell the car at auction. They admitted they never really ordered a key for {$270.00}. They will not give me a receipt for the {$340.00} impound. They sent me their transaction history and said that is good enough. However, it is not good enough. I need a receipt that says what the {$340.00} was for. The transaction history does not say. My insurance will not reimburse me without a receipt. They have stolen money from me and refuse to return it. Also, they said they are reporting the repossession on my credit report even though I've never had a late payment and the loan is now paid in full. Please investigate these people. They are scam artists. I have spent hours on the phone with these people to no avail. Please help!
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55330	Web
I received notification from XXXX regarding unauthorized credit inquiries on XX/XX/2023 and XX/XX/2023. On XX/XX/2023, I called XXXX and placed a credit freeze and fraud alert. On XX/XX/2023, I received another notice of an unauthorized financial account opened under my name through BRIDGECREST ( a loan servicing company ). I contacted BRIDGECREST to alert them of the fraudulent account opened under my name and requested a freeze on the account and note the account as fraud. However, BRIDGECREST refused to note/report the account as potential fraud and refused to freeze or close the account. BRIDGECREST denied having a fraud department to work with regarding this situation and they were unwilling to look into this issue. I believe they have unethical and deceitful lending practices and are not offering responsible steps for preventing and handling fraudulent practices and fraud claims. Due to their unwillingness to take this matter seriously, it appears BRIDGECREST is making it their business to profit from lending money unlawfully. A Police Report has been filed.
07/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 85014	Web
I have spoken with several people over the past few weeks to help with my loan repayment and hardship opportunities available to me as a consumer. This company has made statements of helping and then went back on their word and absolutely refuse to offer any fianancial hardship assistance. This is a breach of contract. I am eligible and qualified for hardship deferments and they are refusing the grant that request after I have been told that it would be done and completed. They are forcing me into repossesion. I am having a hard time speaking with any one that is willing to help. I have to ask them to go back and listen to the calls. Then they still don't honor the misinformation and argue with me about repaying my loan. I have had issues with this company in XXXX for this same reason and they never responded to the complaint. I seek to be made whole. and my hardship deferment honored. I was asked to pay a certain amount to avoid that repossesion in XXXX and then they would do a deferment. They are now refusing to honor that deferment in which I legally qualify for.
10/25/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MD 21117	Web	Older American
I am out of a job due to the pandemic that the whole United States us under I explain this to Bridgecrest. I am on unemployment and I am one car payment at this time. Bridgecrest has sent me a default letter for this one month. I was always under the impression that you had to be three months before you default on a loan. I paid Bridgecrest {$980.00} on XX/XX/2020. I am trying my best to make ends meet but this company has no consideration for what people like me is going through. I am going through something that is no fault of my own. Before this pandemic happen I was paying my car payment and on time. Bridgecrest has report to the credit bureau that I was thirty days late which took my credit score down very low. This company is trying to destroy me and I am already experiencing enough without them making things worse. They need to be more considerate because I am doing the best that I can. They also sent me a letter pretending it was certified I didnt sign for this letter but the envelope says certified. I feel like they are harassing me and stressing me out.
05/26/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	OH 45638	Web
Bought the XXXX XXXX XXXX in XXXX for {$30000.00} and paid it off a little, It's been over a year that's I've paid it off... I used all my savings and still don't have a vehicle I can drive legally. promised a stress-free car purchase from big-named vendor XXXX. Now, it's most facin the most stressful time ; along with the pandemic of the virus of course. I have contacted XXXX-to assist with the issue of not having a title for the vehicle that I've worked so hard to pay on. more than 25 times I've contacted & informed each time that Bridgecrest - XXXX that my current information needed updated- Each time I had to contact again... Both company 's had old contact information- no current contact info I provided to them was out into their systems. XXXX- would blame Bridgecrest to why I haven't gotten my title, and Bridgecrest would give the reasoning that they sent it- even though I continued to say I didn't get the title, they had no solution, the call would get transfered... Or discounected, and this is a recurring event each time dealing with both companys
10/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NY 10031	Web
On XX/XX/XXXX I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I got a XXXX XXXX XXXX XXXX XXXX I put XXXX dollars on it.. the bi weekly payment is XXXX. The interest on this car comes to XXXXXXXX XXXX as well. Bridgecrest is where the loan comes from. XXXX and Bridgecrest have the same XXXX XXXX XXXX XXXX.After doing some research I found that their practices are illegal. So I sent a few items dated XX/XX/XXXX XXXX affidavit of truth. Stating that I know that thier practices of car loans is illegal. Because they know people won't be able to pay them off with such high interest 2. A cease and desist letter stating that they must give me back my down payment and the money I put on the car or I will sue them after XXXX XXXX. 3. I sent receipts is payments made plus the {$3500.00} first payments The total payments are {$11000.00} I notarized them as well. They sent a letter basically saying that I have to pay the car or give it back. I'm trying to see if I have a leg to stand on under consumer law .... Can I apply any of these laws?
03/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 065XX	Web
I called Bridgecrest to change my payment schedule from biweekly to monthly. There's no way to change online and I should not have to pay 3 times in one month instead of my regular payment of a little over {$500.00}. I have a XXXX XXXX XXXX that was purchased from XXXX and the loan company is Bridgecrest. I had this vehicle for 10 months and have never gone 30 days late on my payments. I already have an issue that they used some kind of spray over the car to make it appealing to buy because when we got it home there were all kinds of scratches in the bumper, etc. I was also overly charged for this vehicle. When I called I thought they had made the change to monthly payments. I received a call 2 days later saying I wasn't approved to change to monthly payments. I had no idea that I needed to be approved and when I asked why they said they did not believe that I could pay is what the rep told me. I've been paying my payment for 10 months and I have a co owner. How is it that I can not make my payments just because I want to switch to monthly payments.
01/25/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NV 89074	Web
On XXXX/XXXX my vehicle was repossessed by Bridgecrest as well as a company named XXXX XXXX which was contracted by a company named XXXX XXXX XXXX based in Michigan. My vehicle was repossessed while in front of my apartment. The repossession was a wrongful repossession as well as a breach of the peace occurred by the agent brandishing weapons to me and my XXXX XXXX XXXX XXXX who was in the vehicle. The vehicle was returned to me today, with no balance due as the loan servicer admitted the vehicle was taken illegally and unjustly. I am looking for them to pay for my lost wages as I lost out on working as I use my vehicle for work as well as my rental and taxi expenses. I also was forced to go through the humility in front of my neighbors as well as having the finance company lie to me about payment status. The towing company also damaged my vehicle from my front bumper to my suspension to my transmission and tires from dragging an awd vehicle and not towing it correctly. They also stole my medication from the vehicle which is a controlled substance.
12/08/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IL 601XX	Web
Ive had a used car loan first established with XXXX XXXX and its now under Bridgecrest since XXXX 2013. Ive had times where Ive fallen behind on my loan and I was offered an extension on my loan over the years. What I was not aware of and what was not explained to me was at the maturity of my loan, I would need to pay the interest for those extensions since I have a Simple Interest loan at the time of my maturity date. I now owe well over {$4000.00} and as I called the company today to explain that I was unaware that those extensions would mean I would be responsible for such a large sum payment at one time. Not only that, they would be hurting my credit score by reporting this as a late payment to the credit agencies. I expressed that I was purposely never told about this so that Bridgecrest could make an additional $ XXXX from me they would not have had if I didnt take the extensions. I never received statements regarding this nor updates or warnings or calculators for this information. It is not readily available or transparent on their website.
04/24/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33015	Web
I feel like I got scam by the car sales man from XXXX XXXX XXXX '' that sold us this car. This loan was super high interest. And when I notice that the sales man told me and my husband not to worry, because if you pay your loan for three months straight without missing a payment. The loan company will be able refinance the loan for a lower interest rate. So we followed the sales man instructions. And pay our car note on time for three months. And of the third month I called the loan company and tried to refinance, they told me that our credit is not good enough to refinance a loan at this time. They said tried calling back in about six more months. So I was super stuck after that, because I couldn't afford to pay this high car note for another 6 months. I had to pay about XXXX a month on this car plus insurance. The car was about XXXX and we was charged about 35 % interest rate. We told the sales man that we could not afford to pay XXXX every month for 30 months, but he reassured us that we will be able to lowest the monthly payments in 3 months.
05/15/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 79705	Web
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. XXXX states late 120 days. No other agency is reporting this XXXX show no data on 2 yr pymt history XXXX show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.
06/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CO 80228	Web
I was in a no fault total loss accident on XX/XX/. I filed a claim on the at fault parties insurance. I had GAP coverage and something like an extended warranty. After receiving the settlement from XXXX the GAP coverage was sent by XXXX to Bridgecrest on the XXXX. After the received all of the coverages and the settlement on the XXXX I was told the account would be closed on the XXXX of XXXX. On the XXXX they reversed the settlement from XXXX in the amount of XXXX instead of closing the account out they have said theyre back dating everything or something but during that same time although they have more money then the loan was worth ( principal ) the are charging me late fees and reporting this to the credit bureau XXXX They have not shown any transparency and I have no idea what kinda stuff they going to pull next. The account should be closed and I should have a check by then sent to me for the amount in excess. How long will this go on I cant get another loan until they close this one. So they have complicated a already complicated situation.
07/29/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CA 91607	Web
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. BRIDGECREST XX/XX/2019
09/15/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 775XX	Web
I have 10 pages that will be uploaded, and I like to explain each page. Pg . 1 ) This is a letter to credit Bureaus explaining my claim. Pg. 2 ) Is a copy of receipt of the cashier 's check sent to Bridgecrest. Pg. 3 ) A copy of letter from Bridgecrest stating a payoff amount with ending date XXXX. I will enclose a credit report that shows this payoff was paid on XXXX but it was actually paid before that on the XXXX. Pg. 4 ) Is a copy of my title sent to from Bridgecrest with a released date of XX/XX/2021 and you can see the account number written on the top. Pg. 5 ) This letter was sent to me 2 month 's later after my account was paid in full and closed. As you can see they used the same old account to present it as active. Pg.6 ) This is a XXXX credit report dated XX/XX/2021 when reported me with {$0.00} balance paid in full. Pg. 7 ) This is another report XXXX XX/XX/2021 {$0.00} XXXX Pg,8 ) Shows XXXX Credit report XX/XX/2021 report closed paid {$0.00} Pg.9 ) Is a continue of Pg. 8. Pg. 10 ) And this is what they are reporting now.
09/20/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 79705	Web
I have tried to make goodwill attempts to resolve account issues and I have been told false information regarding account. I was initially refused my right to change due date on account when it was current due to a job change in 2019. Which has had me in a bad position when I make payment another payment is already due. I have been making payments consistently above minimum trying to play catch up for past 4 months just to find out every payment has went to all to interest 100 % ... I have spoke with numerous departments with no resolve. I have been impacted by Covid situation and have been constantly threatened of repo even after payment made. I was told to call again when I made review on company but nothing came of it. I was told again that they hands are tied. I am aware that the vehicle I have Im paying almost double wat the worth of vehicle XXXX XXXX price and Even though Im making above minimum payments and consistently Im still upside down and company is reporting negatively on my credit report even though Im making above payments.
08/17/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OH 454XX	Web
The company that sold the vehicle, sold a lemon. The vehicle was unable to be driven after 23 days of possession. That is why there is such a high loan balance due after repossession. I was unaware that I was a legal co-signer, I thought I was a reference at the time I signed the co-sign paperwork. The individual summarized the paperwork and had me to sign it. I didn't realize I was a cosigner until it was on my credit report. During the repossession process I was never made aware of any delinquencies or given a chance to assume the loan and pay it off. Now, I am trying to make payment arrangements for a repossessed vehicle that wasn't mine and they are giving me a hard time. My wife called three times and they refuse to give us information or make payment arrangements for the remaining balance. She called three times today, the XX/XX/XXXX, and each time they ask to speak with both me and the person I co-signed for and I keep explaining that is not possible. The person I co signed for doesn't want to pay the balance because it was a lemon.
04/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PA 19128	Web
Hello, I have an auto loan with Bridgecrest for about {$13000.00}. Due to a combination of extreme circumstances, including my job requiring me to go into the backcountry off grid and my father passing away, I missed several of my monthly payments, to the point where I'm about {$2000.00} behind. Additionally, while inflation and the cost of living has drastically increased, my salary has remained the same. Given these higher expenses, the auto loan was harder and harder to afford. Still, I have saved about {$5000.00} and I am trying to pay Bridgecrest that amount, which is {$3000.00} MORE than what I owe. They are refusing to accept anything other than {$13000.00}. Bridgecrest said they " charged off '' the loan and that they want to repossess the vehicle. I asked them multiple times for a reinstatement quote and they refused. I asked them if I could pay {$5000.00} to them immediately, and they refused. If I lose my vehicle I will lose my job, i absolutely can not lose it. All I want to do is pay what I owe and they won't let me.
05/04/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	FL 32244	Web
XX/XX/2023 I called Bridgecrest to see if they could work with me with a payment plan my car is worth {$8000.00}. They want me to pay {$18000.00} to purchase the vehicle. My payment was {$600.00} a month and I lost my job I called bridge XXXX on this day to see about getting on a payment plan. They told me that I would have to pay {$4000.00} in order for them to consider a month-to-month payment plan which would be {$500.00} a month only {$100.00} less than the original payment plan which was {$300.00} every two weeks and on XX/XX/2023 Bridgecrest sent out a repossession company to repossess my vehicle. I did not give them possession of the vehicle. I still have the vehicle, but Bridgecrest is still suggesting that I pay {$4000.00} to them for them to consider putting me on a payment plan I feel like that {$4000.00} is too expensive with them knowing that I am a single mother of six children. I am currently not able to work because I dont have proper childcare. I am willing to make payments but I am not able to afford a full {$4000.00}.
12/13/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NV 89139	Web
I purchased a vehicle at XXXX on XX/XX/2016 with a down payment of XXXX and the remainder financed through Bridgecrest. Today XX/XX/2016 a towing company aggressively did a U-turn right in front of the vehicle and my drive way. I am assuming he thought I was going to drive away? but I was walking to the car to take things out of it. I had set up the auto payments to automatically come out of my account and since I did not received any communication from Bridgecrest at all regarding the missed payments. I did not know these payments were missed till today when the rude and in my face tow truck driver showed up. I was told that the car would also make a beeping sound through XXXX gps tracker, which never happened. How is it possible for them do that? I have only had the car for not even 2 months? and No communication? after two missed payments? I should be able to at least get the down payment back since the car has n't even been in my possession for 60 days. I have also filed for Bankruptcy which i was planing to keep the vehicle.
01/21/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85345	Web
I sent in a debt validation letter and a cease and desist letter XX/XX/2021. The company replied XX/XX/2021 that they are unable to complete there investigation into my dispute because it was missing critical information needed to find my account. The company told me to resubmit my request with primary account holders name, previous mailing address, account number or social security number, and customer signature. XX/XX/2021 I resubmitted my request with a debt validation letter and a cease and desist letter with the required info to find my account. I added my previous address along with my social security number and my signature. The company replied XX/XX/2021 with the same exact response as the previous letter. Stating ... that they are unable to complete there investigation into my dispute because it was missing critical information needed to find my account. The company told me to resubmit my request with primary account holders name, previous mailing address, account number or social security number, and customer signature.
12/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29730	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Bridgecrest/ Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
02/15/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 37804	Web	Servicemember
So I am working with bridge crest financial to get my loan back up to speed, I have XXXX XXXX XXXX XXXX and have a hard time talking.So on XX/XX/2020 XXXX i set up a payment agreement with XXXX a supv. at bridge crest and may sure I would not receive anymore calls till XXXX sure enough on at XXXX XXXX on the same day, received a call harassing me.so i called back at XXXX XXXX and talked to XXXX and she said she would look into it. so this morning sat XX/XX/2020 at XXXX XXXX i get a call back saying that were sorry about call and that that would educate csr and manager. i am under doctors orders to talk as little as possible, last year they compensated me XXXX for calling at XXXX XXXX for my agreeing not to file complaint. now the wont or refuse to compensate me for harassing calls after admitted fault and violating laws regarding harassing calls. i have all recordings of calls since XXXX is a one party consent, and screen shot of call made to me.Attached is number of XXXX that was called at XXXX XXXX that was in violation
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31404	Web
THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. BRIDGECREST CREDIT C Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE FROM MY CONSUMER REPORT IMMEDIATELY! Pursuant to the FCRA & the FDCPA I respectfully request to be provided proof of this alleged item, specifically the ORIGINAL contract and application, note or other instrument bearing my WET INK signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. THIS ACCOUNT IS EXTREMELY DAMAGING TO MY REPUTATION AND HAS COST ME STRESS AND OPPORTUNITIES! Under federal law, you have thirty ( 30 ) days to complete your investigation or I WILL FILE FOR LITIGATION in federal court!
04/18/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 462XX	Web
XXXX XXXX is a debt collector hired to collect a debt I owe to Bridgecrest for a car that is no longer running. They first contacted me on XX/XX/XXXX and left a voicemail. They then contacted various members of my family including my father, wife, sister, brother, and even my wifes ex-husband also leaving voicemails. I called them back on XX/XX/XXXX. They said they do not handle payments at all, so payment arrangements would have to be made with Bridgecrest, not XXXXXXXX XXXX I asked them to please stop contacting my family members, even gave multiple names and I was told that it was notated on my account. I then called Bridgecrest and discussed payment information. Since then, they have continued to call multiple other family members of mine and I do have voicemail clips proving they did so. Again, on XX/XX/XXXX I was contacted again by XXXX XXXX ( not Bridgecrest ) and again, they can not take my payment, yet they continue to contact both me, my wife, and multiple family members constantly even after being told to stop.
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77015	Web
I purchased a vehicle through XXXX and they sold the contract to Bridgecrest. Bridgecrest then proceeded to unlawfully share my personal information with XXXX, XXXX and XXXX. I reached out to Bridgecrest in an attempt to resolve this situation by opting out of them reporting my information without my permission via 15 USC 6802 B, but I was told that they indeed had this right and would continue to report it. I urged to them that they were violating 15 USC 6801 ( Protection of non-public information ), 16 CFR 313.1 ( purpose and scope of non-public info ) and The privacy Act of 1974. They admitted to me over the phone that the account is charged off, which makes it a certificate of indebtedness, which is illegal to have on credit reports via the IRS. Despite all of this, they have refused to remove this from my credit report and opt me out of them reporting to the credit agencies concerning my private information. I informed them that I intend to take this manner to federal court if it is not resolved swiftly and amicably.
08/17/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	MO 65202	Web	Servicemember
I have been trying to get my car registered since XXXX. Bridgecrest sent me a letter stating that my application for Title and Registration was rejected because the Vin Inspection was over 60 days old. It wasnt when I sent it in which means they waited at least 2 months before they submitted all the paperwork they made me send them. Theyre now threatening to take my car unless I go a purchase another VIN Inspection and send it to them. I requested that they send my title to the DMV AND THEY REFUSED. Theyd already told me at the end of XXXX they were sending the title to DMV AND I HAD TO GO AND REGISTER THE CAR MYSELF. I have all conversations with them recorded. This is fraud. The DMV said they havent rejected anything because they havent received anything regarding my car. No title. No application for title nothing. I spoke with the DMV in person and they looked it up they have nothing on my car. They are purposely making me pay for a car I can not drive and refusing to allow me to title or register the vehicle myself.
06/19/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21114	Web
On XX/XX/XXXX I had purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX located in XXXX XXXX, MD. Financed with Bridgecrest Account # XXXX. Up until XX/XX/XXXX I had issues with my XXXX XXXX XXXX and finally after jumping through hopes with XXXX and Bridgecrest it was offered to me that my vehicle would be bought back from me with out taking a negative hit to my credit. I eventually got a XXXX XXXX XXXX Bridgecrest financed again Account # XXXX. My interest Rate went up because what I finally found out after calling with Bridgecrest and XXXX is that when they bought my vehicle back even though I had made every payment on time they would have the credit Beauru to delete my on time payments that I had worked hard on and know when I bought my new vehicle my interest rate went up because of my credit score. SO I am out the 6 months of onetime payments I had paid towards my other car and my credit score is unchanged or worst. I was never told that my credit score would change like that after switching out into a new vehicle.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 152XX	Web
BRIDGE CREST is not under any LAW required to report any of my private consumer transactional information. BRIDGE CREST HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed BRIDGE CREST on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that BRIDGE CREST CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given XXXX days to comply and perform their fiduciary duties accordingly. As of today XX/XX/23 BRIDGE CREST has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA. BRIDGE CREST appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. BRIDGE CREST is in willful noncompliance!
05/04/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	OH 44118	Web
Reaching the end of a 5 year auto loan, was looking to close it out back in XX/XX/2023 my total payoff amount was a little over {$8000.00} at the time, they me told I would be receiving a final payout letter within 2 days via an email and 7-10 business days via mail. A week after all the sections of my account when I logged in online were made inactive other than the payment section which had a locked payment of {$460.00} that could be made. After calling they said they were having technical difficulties with site and would be fixed by end of the day. I called in again a few days later because I received the email with the payoff amount and was told I had to wait until the site was fixed to make the final payment. By the time the site was fixed the 10 day price guarantee was removed and they said I had to wait for another quote to be given. I received that quote this monday. XXXX I went to make the payment today of the new quote amount of {$7100.00} and the told me they could only accept a payment of over {$14000.00}
02/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60827	Web
On XXXX/XXXX/XXXX, I entered a consumer credit transaction with Bridgecrest. XXXX XXXX I came to the site of my car being repossessed in order of the financial institution Bridgecrest. I asked the man taking it to stop, he proceeded in driving as I didnt know who he was. He stopped his vehicle to yell at me, basically breaching my peace. The very day after, I contacted Bridgecrest to be informed that my car was repossessed and charged off as of XX/XX/XXXX. I have made several chances to make it right even before this in XXXX ; I clearly expressed that I have/ had financial hardship and couldnt afford to pay the debt and car maintenance. I further discovered that on top of other violations, Bridgecrest and/or XXXX ( the dealer ) has not ever informed me about my right to rescind. Both parties participated in uniformed use of credit, no adequate notice and violated the law determining my finance charge. I am enforcing my right today with given reasons and notice to Bridgecrest as well. I have also disputed on experian.
04/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 949XX	Web
I purchased a vehicle through XXXX back in XXXX of XXXX. I never received a title or registration. I have totaled the vehicle in XXXX of XXXX. XXXX calls it a total loss and the pay off amount is more than I owe on the car. XXXX can't pay off the loan until there is a title. Despite constant contact, there is still no title. For every 10 days that goes by, the amount of money coming back to me reduces by over {$100.00} in interest. And to top it all off, the finance company, Bridgecrest, which is owned by XXXX, is now reporting me to the credit bureau as being 30 days late, and soon to be 60 days. This despite my insurance trying to pay off the vehicle, but can't, due to every fault of theres. XXXX is no longer responding to my emails. I am getting NO COMMUNICATION at all. I need help with this. They are going to destroy my credit all the while reducing the amount of money that will be paid back to me. In 3 months, it will have been a full year that I have not gotten my title or registration. How is this even legal?
07/19/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 77090	Web
I have contacted your company numerous times to get this issue resolved. Pursuant to 15 USC 1681 ( 2 ) '' ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' SHOULD BE EXCLUDED FROM A CONSUMER REPORT. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction. Your company has violated this law numerous times when you did not disclose if I wanted this reported on my credit report neither did you give me the option to opt-out of it being reported. This decision was not yours to make and therefore means you violated my consumer rights and the law. Have thIS account removed immediately from my credit reports.
03/30/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	PA 19406	Web	Servicemember
I brought a 2013 XXXX XXXX from XXXX XXXX which I'm turn turned into bridgecrest and that's who I was paying the car note to I was on XXXX XXXX and it was traffic I came to a stop and when I went to put my foot on the gas pedal the car wouldn't move I did several things to get it to go finally it started to move slowly I made it home but mind u my children where in the jeep it could've been very deadly with big trucks and others cars if it wasn't traffic, I took it to thedealership and they explained to me the transmission had never been changed that the vehicle should never been sold to me in that condition mind u I had several problems where I had to take the jeep back because of them not having a new battery in the jeep and it stalling out on me and everything so basically I as sold a lemon I was told the trans would cost XXXX amd bridgecrest claimed I still owed XXXX on the vehicle I have a problem with that and then u won't correct the problem for me. I don't think that's fair or right to do to a consumer.
07/31/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 75056	Web
Name : XXXX XXXX DOB : XXXX SS : XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX Companies involved : Bridgecrest Account Number : XXXX XXXX XXXX XXXX I received last communication from Bridgecrest XX/XX/XXXX Stating I owed {$14000.00} on a repossessed car. on XXXX I had phone communication with Bridgecrest and they stated that the last reposted total was {$10000.00}, they would not not give me a date on this. I asked for a statement to be mailed to me and they stated it was no longer in their hands as they had written if off. All credit bureau 's and XXXX report we owe {$24000.00}. As of XX/XX/XXXX We have tried talking with XXXX with little to no response over the last 5 years. They are not willing to settle for anything other than the {$24000.00} amount to which I believe is not correct, they are not willing to correct the amount or look into the possibility of the discrepancies. I have asked for statements to also be mailed to show what all they are collecting. I have never received anything.
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60419	Web
This company Bridgecrest continues to violate my rights as a consumer. I have never authorized or agreed to conduct business with this company. They claim this account was transferred from XXXX to Bridgecrest, but who authorized this? As a consumer I have a right to privacy, and in order for my personal information to be shared with a third party, i must give the company permission. I have never authorized Bridgecrest to have access to my information, nor did i give them my information to report to any credit reporting agencies. They have knowingly and willfully with held information that explained that I the consumer can exercise that nondisclosure right. Bridgecrest is in violation of federal law. This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that I was going into an agreement with Bridgecrest Financial.
10/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 758XX	Web	Servicemember
We were provided the 10 day payoff but the representative provided a business office address which was incorrect when relating to where the pay off checks are to be mailed. We XXXX the total loan amount in the form of a cashiers check. When they received the check, they then stated we did not endorse it ( which was false ) and sent it back to us via regular mail. When we received the returned check, we confirmed it had in fact been endorsed and we immediately sent it back yet again to the pay off office via USPS overnight. After applying the check to the loan amount, bridge crest stated that we had accrued additional interest due to the delays in payment. We called numerous times and were given different replies on each call. We were advised the additional interest would be waived and then advised it would not be waived. Our last communication was they would not remove the fees even though their notes reflect their error. They still have our vehicle title and state we owe them {$200.00} for additional interest.
09/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 335XX	Web
My car was totalled in XXXX. My insurance company has tried paying off my car in XXXX but they do not show any payment and keep trying to get me to make my monthly payments. I have made several attempts to call Bridgecrest to get this straightened out but it is always a random person that gives me no information other than we show no payment. I have asked for me and my insurance company to have one person to work this out and they refuse to give me a name and extension or anything. My insurance company has to talk to some random person, not even someone we are both in communication with. This seems like a scam to me. A reputable business should have someone you can talk to, to get things handled and situated with both me and my insurance company. All I can do is sit back and make monthly payments on a totalled car that my insurance company sent a check to, because they will not transfer me to anyone that can assist me or my insurance company. It is very frustrating and I can't keep making car payments on 2 cars
11/08/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NV 89129	Web
Hello, I have reached out several times to bridgecrest to explain I would like to set up arrangements to make payments prior to falling behind and my car being scheduled for repossession due to losing my main income. They keep telling me that because I have a hardship Im not eligible to have payments deferred. I set up a payment arrangement for a payment to be made on XX/XX/18. I was told I would not be reported later to the bureaus and I woke up today that my credit score decreased over 30 points for being reported late by bridgecrest. Im frustrated because Ive been asking for months for assistance while still making payments and they told me I cant have payments deferred because of my hardship. Then tell me the payment plan will prevent me from being reported late but they are reporting my payments late while on a payment arrangement. Its so frustrating because Im already highly upside down due to the predatory lending practices bridgecrest/XXXX uses. Now I feel theyre trying to forge me into repossession.
06/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 381XX	Web
This is response to my previous complaints. XXXX, XXXX and XXXX. Agent for Bridgecrest Compliance has failed to account for the misappropriation of funds. Bridgecrest has not made one cash advancement. Agent has failed to answer who authorized an EFT of the monthly cash advancements that were entitled to the consumer. Bridgecrest has failed to return the collateral which is the collateral, She has failed to cancel the contract. Bridgecrest obtained the receivable under unfair and deceptive business practices. XXXX times Bridgecrest has converted instruments to their benefit. Please answer who authorized the XXXX EFT 's of the monthly payments of {$260.00}? What account were the funds deposited? Did Bridgecrest open another account in the consumer 's name? Where are the funds? Bridgecrest is a licensee of the gov and agreed with the gov to process consumer credit transactions according to the law. Bridgecrest is non compliant to that agreement which is also apart of the consumer credit transaction agreement.
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89178	Web	Older American
On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX for 5 years at a very high interest rate of over 17 %. So I refinanced the loan with XXXX XXXX credit union. I recently checked my credit report and the account with XXXX XXXX is listed as CLOSED even though it was paid in full. On or around XX/XX/XXXX XXXX XXXX paid off the loan on my behalf with XXXX XXXX and refinanced my XXXX XXXX XXXX thru XXXX XXXX XXXX for 2 years. On or around XX/XX/XXXX I again refinanced the remaining year of the XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. The loan was paid off in full by XXXX XXXX XXXX XXXX. Just like XXXX XXXX listed the account as CLOSEDso did XXXX XXXX XXXX XXXX listed the account Closed I have recently learned that closed accounts dings your credit reports big time. I have been on the phone with XXXX XXXX to change this but they insist the loan to them was not paid off by me therefore but closed out. I totally disagree with this because the loan between XXXX XXXX and myself was paid off.
07/10/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ XXXXX	Web
I was behind in my car payment in the amount of {$830.00}. I was granted an extension to move 2 payments total amount of {$480.00} to the back of the loan. I was advised to pay {$230.00}. When they put the 2 payments to the back of the loan it took care of XXXX payment and I paid XXXX partial payment of {$340.00} per the extension agreement to bring the account to a {$0.00} balance. It was not in WRITING that I would have to pay a regular car payment again in the for XXXX payment of {$480.00} when I paid {$340.00} in XXXX. Its my understanding when you make a payment that should get you current so the next payment would be in XXXX. This is a violation of UDAPP. I would like an explanation as to why would I have to pay a total of {$810.00} if granted an extension for a total of {$480.00} which is two bi/weekly payments of {$230.00}. Why didnt the extension agreement indicate any of this. The extension agreement just stated I was granted an extension never outlining when the next payment was due or the amount.
06/05/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 92345	Web
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. The original loan maturity date was XX/XX/XXXX. I feel behind on payments but eventually caught up and made all payments and paid the vehicle off in XX/XX/XXXX by sending a payment of {$1800.00}. We contacted XXXX XXXX which is now Bridgecrest about obtaining the pink slip. Bridgecrest claimed we owe {$5900.00} in unpaid interest. We explained to Bridgecrest that this can not be possible because whenever I made a payment I made the full payment plus the late fees that were added per their websites listed amount due. After making a few additional calls to the company, we were eventually told we can not locate you account. I am trying to purchase a home and when I ran my credit, I discovered that Bridgecrest had reported the account to all three credit bureaus as a charge off. Ive made multiple attempts to resolve this issue through Bridgecrest to no avail. I would like my pink slip and the account properly reported to the credit bureau as paid in full.
04/26/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30329	Web	Older American
I just refinanced a loan from Bridgecrest ( account XXXX ), the predatory lender for XXXX, where I purchased a vehicle in XX/XX/XXXX. The new lender XXXX XXXX XXXX XXXX XXXX XXXX approved a loan for {$19000.00} and sent a check to Bridgecrest for that amount, although it was more than the payoff amount due. The day Bridgecrest posted the payment ( XX/XX/XXXX ), my account only reflected a payment amount of {$15000.00} used to pay off the loan in full. According to the new lender, Bridgecrest is to send me a check for any credit balance on that account ( {$3700.00} ), but no one at Bridgecrest will even acknowledge the credit balance or confirm to me when it will be paid. I only get transferred around and quoted general policies by customer service agents who can not see the credit balance either. Can someone assist in contacting the responsible party at Bridgecrest, which seems to hide this information from their own customer service agents as well as the customer whose money they appear to be confiscating?
01/04/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 77064	Web
I have been in contact with this company and have asked that they remove this account from my credit report. This account is currently in a lawsuit and by law must be removed until this matter is settled. I have I identified below the laws regarding this issue. ACCOUNT NAME- BRIDGECREST ACCT # XXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 602 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/20/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AZ 85206	Web
Date of transaction XX/XX/2021. Account : Persons on Contract XXXX XXXX Purchaser, XXXX XXXX XXXX XXXX dba XXXX seller/alleged creditor, BRIDGECREST CREDIT COMPANY , LLC servicer Type of Account : Investment XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX, XXXX contracted and conspired in a fraudulent loan with XXXX XXXX the consumer XXXX XXXX XXXX, consumer, allege to be the actual lender from XXXX credit card use in the transaction. XXXX XXXX XXXX XXXX XXXX XXXX violated Truth In Lending Act Regulation Z. Agents notified failed XXXX XXXX rescinded the contract and is due remedy. Bridgecrest continues to attempt/collect payment for a voided contract and attempted to steal XXXX XXXX XXXX XXXX that is legally XXXX 's XXXX Contacted the following : XXXX XXXX Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate Counsel for the XXXX firms XXXX, XXXX Dealership where vehicle was sold from in Georgia XXXX, XXXX headquarters in XXXX Arizona BRIDGECREST CREDIT COMPANY , LLC XXXX in XXXX, Arizona
10/02/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NV 89044	Web
I have been receiving threatening emails and login-pop ups about negative credit reporting to my bureaus if I am unable to make my account current as I believe at the time was 30 days late. I saw on Bridgecrest 's website that they offer an extension where I can roll my XXXX payments to the end of my loan making me better than current. I applied and was told it would be decided in XXXX hours, that didn't happen. I kept calling all of last week and over the weekend and to final avail, nearly a week after asking for it, I am told WITHOUT REASONING it was denied and now I am late. I was assured over the phone that my credit bureaus will not be touched by Bridgecrest hopefully on all recorded phone calls. Today I received some rep who was very confusing to speak to and kept making demeaning statements to me and then kept saying " yeah '' after everything. The frustration and lack of understanding led me to terminate the call and to seek the CFPB 's help in finding out why I am being discriminated against.
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75019	Web	Servicemember
Bridgecrest illegally and fraudulently repod a vehicle I was still making payments on, then resold it. They have broken many consumer laws including deceptive business practices. They need to remove their fraudulent reporting from my XXXX and XXXX credit reports. XXXX has already deleted it from my credit history. They claim to offer payment deferrals, but apparently they never actually give them to any customers. ( Please look at their reviews and the many consumers they have taken advantage of in this manner ) I would like actual proof from Bridgecrest of supposed email or letter mailed to me denying deferment, one that was acknowledged and signed by me. I would also like to see the loan agreement that shows that they are free to deny deferrals at will, again something that I acknowledged or signed. They have nothing of the sort, because they are committing fraud. Stating I was 22 days late? Ive provided proof of payments through XX/XX/XXXX, XXXX to be deferred. They broke the law. Simple as that.
02/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ XXXXX	Web
I pulled my credit report on XX/XX/XXXX and noticed that a company Bridgecrest were reporting XXXX days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the XXXX XXXX XXXX and the XXXX XXXX XXXX as I want this to be taken care of right away.
04/16/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85383	Web	Servicemember
On XX/XX/2021 I sent sent a check via XXXX XXXX that would have paid off my loan with my finance company. The check was received on XX/XX/2021 by the loan company ( delivery confirmation receipt available ). Although the check had been received there was no activity on my account to show receipt or processing of payment, multiple calls to customer service could not provide any verification of the check. In an abundance of caution, the check was cancelled and a replacement check sent via XXXX XXXX to replace the initial check that was cancelled. The replacement check was received by the finance company on XX/XX/2021, also verifiable via XXXX XXXX tracking, and again there is activity to indicate processing of the payment. Additional calls to customer service yields no assistance or updates and I am only told the customer service agent would have to email another department and I am told to call be in a few days time. That has ben the answer given every time I seek and update on my payment status.
04/10/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 92882	Web
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN : XXXX BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
01/12/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32940	Web
I purchased a car from XXXX on XX/XX/XXXX. Bridgecrest was the lender through XXXX. We secured a much better interest rate through our credit union, XXXX XXXX XXXX XXXX ( XXXX ). XXXX send a check to pay off the loan that was received at Bridgecrest on XX/XX/XXXX. The first payment on the loan was due XX/XX/XXXX. I called after tracking that the check from XXXX had been delivered. I was told it takes about 10 day to process the check. I made the loan payment to Bridgecrest while waiting. I called Bridgecrest about 10 days later ( around XX/XX/XXXX ) and was told it had the check still had not been processed. Made 2nd payment to Bridgecrest. I called Bridgecrest on XX/XX/XXXX. Was on hold for close to 2 hours waiting on a supervisor after I was told AGAIN that the check had not been processed. I called today XX/XX/XXXX and it still has not been processed due to employee shortages. THIS IS POOR BUSINESS and NOT MY PROBLEM. Bridgecrest has had the check for 45 days and has not processed.
03/21/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33647	Web
I have tried to resolve the issue of the payment posting date with Bridgecrest. They were paid prior to the posting date and have documents to show. They reported my payment 30 days late to the credit bureaus. I called numerous times and all they send me is a letter to show the debt is paid in full. They are not helpful what so ever. I still receive call to get people to come purchase cars. I reached out to their social media no resolution. it made my score drop considerably. I wrote a letter to explain how I have made on time payments and to please reconsider and still nothing. I see numerous complaints from the company and this is the very reason why I saved to get a better vehicle and a company that actually will try to listen. I see this is a common practice with them. I tried disputing with the credit bureaus but all they did was update the paid in full date the same as the delinquent date which makes no sense. They just updated comments and didn't bother to further investigate.
04/18/2022	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Fraud or scam	OH 44111	Web
I purchased a XXXX XXXX XXXX from XXXX with a promissory not that was good as cash solidifying the purchase of the vehicle. Bridge crest then purchased my information from XXXX XXXX which was then considered an asset from me the consumer and natural person. I received no value for my promissory note that the bank has the liability to give the asset back to me which I haven't received. The agreement the bank purchased was a retail installment " credit sale '' contract and in fact not a auto loan but the bank allege I was given a loan, but pursuant to 12 usc 1431 banks can only borrow money. The bank used false and misleading representations to collect on an alleged debt violating the fair debt collections practices act, the truth in lending act, and breach of contract by selling my note and personal information to XXXX XXXX XXXX without my consent. Im aware that after this account was reported as charged off, I the consumer was supposed to receive a XXXX form which I never received.
07/13/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30080	Web
I have not supplied proof under the doctrine is estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of alleged debt, nor therefore any such debt, in fact exists. WE HAVE ATTEMPTED TO CONTACT THEM ; HOWEVER, THEY CONTINUE TO REPORT THE FRAUDULENT ACCOUNT WE HAVE FILLED OUT AN IDENTITY THEFT REPORT AND A CFPB REPORT. WHICH THEY HAVE IGNORED THAT ALONG WITH XXXX XXXX OF THEIR SUPERVISORS. MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION XXXX WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION XXXX XXXX B ) XXXX XXXX A ) XXXX XXXX ) ( A ) AND FCRA U.S.C XXXX. REMOVE IMMEDIATELY AS THIS IS A VIOLATION TO THE FAIR CREDIT REPORTING ACT!!!!
02/23/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33024	Web
I purchased a car with XXXX and used their preferred finance company, Bridgecrest. I decided to refinance my loan with my XXXX XXXX XXXX XXXX about 3 months later, in order to save on my monthly payment and rate. The loan was funded by XXXX XXXX and they sent my payoff to BridgeCrest. On XXXX I looked online and saw that my loan was paid in full with BridgeCrest, so I called and requested a payoff letter. They advised me that they could not provide me a payoff letter until 10 business days after the check they received from XXXX XXXX. Being that they had recently received my payment of {$530.00} on XXXX, i asked about the over payment refund, the representative advised me that any overpayment will be refunded to my after 10 business day. So they will continue to charge me a per diem for the next 10 business days, which is XXXX per day, even though they show my loan as paid off online as of XXXX. This is not only unethical, the customer is defrauded by their deceptive practices.
09/06/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	VA 237XX	Web
XX/XX/22 vehicle purchased through XXXX repossessed by Bridgecrest. Car purchased XX/XX/22. Vehicle not repossessed for non payment but because paperwork incorrectly completed at the dealership. Drive time the seller of the vehicle states they called and sent notices. Bridgecrest the finance company acting as debt collector did not. Spoke with several representatives from both XXXX and Bridgecrest stating contradictory information. Bridgecrest stated contract invalid at sale but is trying to maintain rights, XXXX wont null and void the contract because they say it is proper. Tried to have Bridgecrest waive the reinstatement fee because it was a XXXX paperwork error. They refuse and even though payment offered on XX/XX/22, same day, third party repo company states they can not release vehicle within a day. These companies not only have unethical and possibly illegal and unclear business practices they have now also contributed to emotional stress and lost wages.
08/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33169	Web
I just received an alert on my consumer report that Bridgecrest has increased my balance by {$100.00} when I have made on time payments to them. If they alleged that they received any late payments it was due to an EFT error, or some type of delay which was not due to me. I am convinced that this was some type of malice directly to me as I almost done with payment. I explained to them that this error occurred XX/XX/2018, and they still created an adverse affect on my consumer report, which indicates that I was 30 day late, which I was not. I am currently up to date with my payments. Bridgecrest is violating my FDCPA rights by not reporting accurate data, and relying on a faulty system which is not accurate. I am demanding that Bridgecrest remove this increase on both my consumer report and the co-buyer 's consumer report and remove the 30-day late payment that they furnished on XX/XX/2018, as they have caused my consumer report to not be fair nor equitable to me as a consumer.
04/26/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MD 21228	Web
On XX/XX/XXXX there was a robbery and my car was stolen. I have Gap insurance. At the time my car was payment was paid 3 weeks in advance. When my car was found it was totaled. XXXX inspected it XX/XX/XXXX and deemed it a total loss. I sent all the documents in and XXXX cut Bridgecrest a check. Bridgecrest informed me that GAP would kick in once they received the payment from XXXX. The check just reflected on my Bridgecrest account history this week. I am getting messages about payment. I called Bridgecrest to see what was the hold up. I was told that it would take 4-6 weeks for gap to kick in after tomorrow and that I would have to keep paying my payments until they finish the paperwork. I have another vehicle now I can not pay 2 car payments because they are trying to milk more money out of me. They also informed me that they would report to the credit bureau as not being paid. I need for them to do their job and push the gap insurance through because that is what it is for.
10/14/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	KY 40211	Web
On XX/XX/2022 Pursuant to the Federal Truth in Lending Act ; I requested the return of my deposit in the amount of {$1800.00}. Pursuant to 15 U.S. Code 1692 ( k ) ( 1 ) I sought damages in the amount of {$42000.00} as well as damages for each violation in the amount of {$4000.00}. I also requested the cancellation of any lien against my property, within ten ( 10 ) days as required by law. In return, was sent a letter from the dealership dated XX/XX/2022 stating. " Thank you for your request. We have reviewed your account & have verified that you still owe the amount due under the contract. Additionally, we have determined that you are still in possession of our vehicle. If you have any further questions, please contact us at XXXX. We are available from XXXX XXXX to XXXX XXXX Arizona time, Monday through Friday, Saturday XXXX XXXX to XXXX XXXX '' They are attempting to collect {$38000.00} on a {$19000.00} loan. Charging me {$16000.00} at an annual percentage rate of 23.111
08/21/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	OH 43232	Web
I have an unverified account from BRIDGECREST CREDIT. I had previously disputed this account. I have never done business with BRIDGECREST CREDIT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that BRIDGECREST CREDIT provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that BRIDGECREST CREDIT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
08/26/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	TX 76021	Web
I began talking with my loan company in XXXXXXXX XXXX XXXX regarding my issues making payments. I can not afford XXXX XXXX monthly payments. I told the dealership this and they stated Bridgecrest would be able to work with me on changing my monthly payments and the amount. On XXXX XX/XX/XXXX I spoke to a representative that was supposed to help me adjust my payments or at least see if it was a possibility. I waited over a week for a response and got nothing. I called again on XX/XX/XXXX and Im being told theres nothing they can do to help. Ive expressed countless times that I am not able to pay XXXX XXXX monthly for the vehicle and theyre refusing to help. Not only that but I was also told for the first time that my car was potentially going to get repossessed because I didnt make a full payment. When I called in XXXX I was told as long as I made a payment of some kind I would be in the clear. Yes Id be behind technically but Im still making payments towards my vehicle.
07/22/2021	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 765XX	Web
I had an accident the beginning of XXXX which in the same week my insurance company dropped Bridgecrest the {$28000.00} to be exact it is now week six and Bridgecrest is still holding my money for my overpayments every time I call I get the runaround I was first told 7 to 10 business days that came and gone then it turned into 4 to 6 weeks now here we are the sixth week and theyre still holding my money they got way more than what I paid for the truck none of their employees know what theyre talking about every time I called Ive gotten a different story a different time frame a different process I am a XXXX mother of XXXX children XXXX being a toddler XXXX being an infant neither of which I can get to the grocery store or doctors appointments or nothing for that matter because they refused to release my money so I can move on with my life and get another vehicle from experience find another company!!!! Now here it is almost 2mnths later still no updates still no refunds.
09/17/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 60564	Web	Servicemember
Hello, My auto loan is currently past due. Have attempted to pay the outstanding balance, but each time my debit card has declined. In talking with my bank, will receive a new debit card, but since not a traditional bank ( XXXX XXXX ) have to wait. Contacted Bridgecrest on Saturday, because received an email on Friday that my payment didn't go through. Attempted with a rep named XXXX to make payment with my debit card and again it was declined. Explained the situation to her and she placed me on hold and said that the manager said " I was attempting to buy time ''. Why would I try to make good on my account if was trying to buy time? That comment was an insult. Furthermore, she wouldn't allow my co-signer who is a XXXX vet and only gets payment once a month to set up arrangements. I have had this loan since XX/XX/XXXX, the last payment on my account was on XX/XX/XXXX in the amount of XXXX. I want to be able to make a payment arrangement on my account to bring it current.
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
I have tried to dispute with XXXX and XXXX for the information reported for Bridgecrest. Bridgecrest customer support is very nasty. only time they are nice is when they call me to ask me to purchase another vehicle from them stating i have good credit history with them. XXXX is reporting adverse account and 30 day late but yet its not reporting on XXXX, or XXXX. I have provided documentation to XXXX and XXXX and advise them to remove the comments they added from me trying to dispute the 30 day which has the day it was reported late the same day it was closed from the payoff they received from the dealership. XXXX shows the exact same date closed. i have reached out to XXXX and XXXX as well as Bridgecrest. There is no reason for XXXX to show no late payment and only XXXX to show. XXXX is not showing on XXXX but shows as adverse account on their report. Ive attached all my documents Ive also asked them to remove the statement only response is account updated.
11/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30311	Web
I was alerted on XX/XX/2020 by my Credit Monitoring Company XXXX XXXX. My former creditor Bridgecrest has reported fraudulent account information to XXXX Credit Bureau. I have proof of the fraudulent data reported and will attached the document. I no longer do business with Bridgecrest. I paid off my auto loan with no balance and the company mailed me my vehicle Title. Bridgecrest has reported to XXXX that my account is still open with them and that I have an account balance of {$1000.00}. Which is 100 % in accurate. I filed many complaints in regards to the illegal business practices that the company is doing and the harassment that I have faced and still is facing. The fraudulent information reported to XXXX has caused a tremendous downfall in my credit score. As a U.S. Citizen, this is not right and the company needs to be fined for there illegal actions. Would you please assist with this matter? I have submitted several complaints and yet I am still be harassed.
08/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75204	Web
My complaint is about XXXX and Bridgecrest Acceptance Corporation and their inability to process accurate data as a result of disputes. Within the past 7 days, I have disputed an item in accurate credit item from Bridgecrest on my credit report with XXXX that was updated as accurate twice after I paid the balance in full. I provided documentation proving that this account was paid off over a month ago, but yet, XXXX responds to my disputes within days indicating that the item has been updated on my credit report, still showing that I owe the company almost {$2000.00}. It is clear that XXXX is not handling these disputes with efficacy. I do not believe a company could verify and/or update correct information regarding an active account within days. This seems like a shady business practice on XXXX 's end. Company 's should not be allowed to report inaccurate information, especially when there is proof that the account has been legitimately closed! Is this even legal?
12/06/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	FL 32305	Web
XXXX in XXXX FL is the company, so my sister stole my identity and got a car in my name without my consent but the dealership knew she wasnt me because I came in a week prior so they pulled that same file from the week before and processed all of my information without my consent I have every document from proof of purchase and not one document has my signature on it yet they let her lease and financed a car for her in my name and now I have debt on my report it was {$20000.00} but I looked again and its now at about {$5000.00} and I am not responsible for this and they know it because nothing is signed they just financed a car for someone based off them knowing my name and coming in to the dealership with me a week prior and I tried to inform them about the issue back in XXXX as well as explain that I never signed any paperwork and that I wanted to return the vehicle, it had been less than 30 days they said NO and it was my problem basically and I would have to pay
11/18/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TN 381XX	Web
i have been asking the company for years to put my frequency date at the XXXX and the XXXX, now that my loan is almost paid off and I have lost my job this last month calls for XXXX payments. this probably not the first time that they have stuct to me like this. I called them last week and aske for a loan modification, they tyold me yestewrday that it was denied because they could not give those dates. i asked for other dates and asked for another loan modification. i tyalked to about XXXX or XXXX different people, XXXX in escalaion. i talked to excutive in escalation. they can not give anan answer on the modification until Tuesday, all the time XXXX to messe my XXXX i ask to talk to corporate, it is obvous they want more money up.they do not want to do anything about tere mistakes but hold me accountable. if and when i do XXXX a new or used vehicle i will not use these guys and futher more I do not recommend them. at the end of my loan they start to act like this,
11/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33009	Web
I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. After reviewing my credit report, I have identified late payments recorded to my accounts. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. BRIDGECREST XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or BRIDGECRESTcustomer service representative. I understand the need for accuracy and fairness in credit reporting, and I appreciate your attention to this matter. I kindly request that you investigate and update my credit report accordingly. Thank you for your prompt attention to this matter, and I look forward to a positive resolution.
02/07/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IN 46342	Web
Dear Bridgecrest, I am writing in regards to a closed account of mine that is still showing up on my credit report. According to the Fair Credit Reporting Act, 15 U.S. Code 1681c, accounts should not remain on a credit report for longer than seven years after being closed. This account has been closed for more than seven years and I am requesting that it be removed from my credit report. I am also requesting that all past reporting on this account be removed from my credit report to ensure that all of the information is accurate and up to date. As per the Fair Credit Reporting Act, 15 U.S. Code 1681i, consumers have the right to dispute inaccurate information on their credit reports. As this information is past the seven year reporting limit, I am requesting that it be removed. I am aware that you have 30 days to respond to my request and I would be grateful if you could act as soon as possible. I look forward to hearing from you soon. Sincerely, XXXX XXXX
06/20/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 28314	Web	Servicemember
On XX/XX/2022 I called Bridgecrest to request an extension on both of my vehicles due to not having a job.I have been an outstanding paying customer, no late payments and this is my first time requesting something like this. At first I was told I had to pay half on each vehicle and again I explained I don't have a job! So I called back on the XXXX of XXXX and spoke with someone else and that representative put in a request for a one month extension which isn't a month because a payment is due XX/XX/XXXX and XXXX! I keep getting harassing phone calls daily from the company to the point I am lashing out because I'm requesting help and they are ignoring the request which has still not been approved. I promised to pay XX/XX/XXXX and XXXX and I truly believe they are waiting for me to pay instead of granting me an extension. Which will cause a missed payment for the month of XXXX to be reported on my credit report. I've never known a decision to take almost a month.
04/15/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 761XX	Web
I purchased a car from XXXX through XXXX and somehow Bridgecrest holds my allege loan. After coming across and studying laws and regulations and seeing how Ive been violated I reached out to Bridgecrest XX/XX/2022 to inform them on how theyre violating me and to cease such activities. They sent me back a computer generated response. XX/XX/2022 I informed them on my right to rescind such transactions and I did rescind such consumer transaction. Giving them XXXXdays to cancel security interest in my property, as well as claim reimbursement for all interest payments made, and for them to send me title. They than sent me back another Computer generated response the same as the one prior. They have also giving my private information location to two different Tow companys who have violated my privacy and tried to commit identity theft and aggravated theft. I am at the last point to get this situation solved. They are ignoring my correspondences, my rights.
06/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30318	Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. The company reported late payments to my credit profile without taking proper action to ensure reasonable procedures were in place for me to receive statements at least 21 days in advance. Therefore, they are in direct violation of 15 U.S Code 1666b. 15 U.S Code 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. My reputation, credit, and XXXX XXXX have been negatively affected due to this unlawful violation from this company.
01/06/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 45242	Web
I have had a loan with Bridgecrest formerly XXXX XXXX Since XXXX, and a lease prior to that. I got behind in my payments due to my husband being hospitalized. I was reached out to by Bridgecrest by XXXX XXXX ( I have emails attached ) stating that she could help me get back on track, and I needed to make a payment by the XXXX of XXXX. I emailed her back stating that would be wonderful and made the payment as directed. I received another email from XXXX at Bridgecrest saying they had not heard from me and I owed a past due balance. I called Bridgecrest a total of 8x now for XXXX XXXX who said she would have the agreement finalized by today XXXX/XXXX/XXXX. I reached out to her again a hour ago and was told she would call me back within ten minutes. I have done what was requested of me and now am getting the run around. I just wish that Bridgecrest would tell the same story twice and be accessible. This is the not the first time I have had issues with this company.
11/16/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 76140	Web
My car was repossessed by Bridgecrest/XXXX today XX/XX/2022 for payment # XXXX being past due by 12 days. The payment was due to BridgeCrest on XX/XX/2022. The company has falsely repossessed my car stating that I have defaulted on the loan because I missed the First car payment when I didnt miss my first car payment. They are calling it a first payment default. I made my first car payment on XX/XX/2022. No where in my vehicle loan contract does it state that my car would be repossessed for missing a second payment. As of today I am 12 days past due on the second payment and the third payment is not yet due. I offered to pay car payment # XXXX and # XXXX tomorrow, but Bridgecrest refused to cure the loan so that I can clear the default. I did request that as well. I believe their practices as a subprime lender to be predatory and scammers. They took my down payment. They didnt try to work with me at all. Their consumer practices are unethical at the least.
09/15/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AZ 85120	Web
I recently paid off a car loan financed by Bridgecrest. I paid the EXACT amount shown on the Bridgecrest website as my last remaining payment including all accrued interest. The final payment was due on XX/XX/2019 the final payment was sent to Bridgecrest via ACH Debit on XX/XX/2019. As ACH Debits typically take 2-3 days to deduct from my account, the payment was taken out of my account on XX/XX/2019 ( see attached document ) indicating the payment was made before it would be considered 30 days late. I was informed by XXXX at the Bridgecrest compliance department that all interest and late fees had been absorbed into the final payment and was sent a letter stating that my account was PAID IN FULL. As of today Bridgecrest has reported my last payment as 30 days late after I was specifically told by XXXX at the Bridgecrest compliance department that all interest had been absorbed and that I was NEVER 30 days late on any of the payments I made on this loan.
03/17/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	IL 60827	Web
I Filed a complaint # XXXX on BRIDGECREST ACCEPTANCE CORPORATION on XX/XX/XXXX, my complaint was with how they are closing the account. BRIDGECREST ACCEPTANCE CORPORATION responded on XX/XX/XXXX and the complaint was closed, however XXXX still did not file the GAP insurrance. They claim that the total amount was not received, the amount was short by {$4.00} and the GAP could not be filed until the total amount was paid. They received the amount on XX/XX/XXXX, then on XX/XX/XXXX the differance of {$4.00} was posted to my account and still waiting for the GAP to close. XXXX lack of attention with my account is due to me no longer wanting to use thier company financing. thier interst rates is too high and they was not truthful in how interest was accumulated. this was not a simple interest loan. they will receive 3 times the amout of the vehicles worth. My vehicle was involve in an accident on XX/XX/XXXX and as of XX/XX/XXXX i am still without a vehicle.
05/21/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	SC 29223	Web
I paid my last car payment on XX/XX/ 2019 and purchase a new vehicle in XXXX. The dealership took my vehicle as a trade for the new vehicle. They contacted the other dealer to inform them the car was at their location and for them to pick it up. However, They did not pick up the vehicle until almost 2 months later. This cause my credit to show a repossession and late payments. I was told it had damages to the vehicle in which I did not damage. I asked for pictures I never received them of the damages. They contacted my insurance company to pay for the damages. I also had GAP insurance in which would have paid off the remainder. I tried calling, disputing and even had a lawyer to dispute the collection. Each time the creditor would add things to my credit to make my score down each time. They keep adding repossession on my credit report for each month since XXXX of 2019 till now. This is unfair to me and reflects me from getting anything using credit.
05/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	NV 89014	Web
I am reporting Bridgecrest for Overcharging for add-on products on auto loans. As shown on my report my auto loan was {$13000.00} on a 2015 XXXX XXXX selling for {$8000.00} at drive time. After paying {$12000.00} plus an additional {$1900.00} for late payments and additional reinstatement fees, I am being forced to pay an additional {$9200.00} in order to received my title ( XXXX {$21000.00} ) and threatened to repossess my vehicle if I do not make monthly payments of {$400.00} even if Im a day late, opposed to my original bi-weekly payments totaling in the amount of {$400.00} as agreed upon contract based on my monthly income and bi-weekly paydays. The company has not reported my last payment of {$1900.00} and has been falsely reporting my payments and even disregards the law In the state of Nevada, a motor vehicle purchase loan isn't considered in default until the account is 30-days past due, and the creditor can't repossess before that point.
04/09/2022	No	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	GA 30349	Web
I ca\|\|ed in to ask that, given everything thats going on and the fact that I am now being made to stay home, can I move the next two months of payments to the end of my loan. Thats it. What did I get? " Call back on your due date. We can push out your payment two weeks, but youll be charged a {$5.00} late fee for each of those days. Have you thought about filing unemployment? I also heard XXXX and major grocery chains are hiring right now. Are you kidding me? This is how you treat people? A friend of mine called her XXXX dealership and before she could even ask they OFFERED her 13 months be moved to the end of her loan ; no fees, no paperwork. We are in the middle of a global pandemic. I shouldnt even DRIVE my car right now! People are looking to you to do the right thing, not the profitable thing. I have said that my experience with XXXX has been amazing, but if THIS is the care we get on the back end, its not even worth it. Do. The Right. Thing.
07/21/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 303XX	Web
At the end of XX/XX/2021, I was involved in an accident that was deemed a total loss by the at fault party 's insurance, XXXX. XXXX paid my lien holder Bridgecrest a check in the amount of {$10000.00} on XX/XX/2021. Since receiving the check, Bridgecrest has made no attempts to payoff the loan. In fact, I am still being hit with fees and bills. I have reached out to Bridgecrest numerous time, speaking to managers, and customer service reps only to be told that the cashering dept is " backed up ''. I was initially told that the check would be fully processed no later than XX/XX/2021. It is not XX/XX/2021 and the check still has not been processed. Bridgecrest will not provide me with any answers or contact information for the dept. handling the payoff check. It is extremely shady and has been quite stressful as I am currently without a car and tied to this loan for a car that has already had a payoff check received. This is also affecting my credit.
02/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 601XX	Web
BRIDGECREST XX/XX/XXXX XX/XX/XXXX or the XX/XX/XXXX the vehicle was confiscated from fleeing and eluding the police which I wasnt part of the court found me not guilty, but before that I alerted The finance company to come get there vehicle because of the police impounded they said they were gone charge me to get it out I said thats fine but instead of them getting it out I was still paying my car note even when it was in the impounded the by the police saying the vehicle wasnt not ever to be released back to me BRIDGECREST let the vehicle sit until XXXX when trying to get which the yard told them car was XXXX dollars so BRIDGECREST handed them title which I have court papers and police and XXXX mayor signature that the car wasnt released back to me when they could of had got it when I got lock up with the vehicle they let it build so it could impact my credit from owing debt so please investigate and remove from my credit report Persut to ( FCRA )
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92804	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ( XXXX ) XXXX This Letter is in Reference to Late Payment with Account Number [ XXXX ] I was affected by extreme financial hardship and medical problems ; I became seriously behind on several bills. While I normally make great efforts to honor my debts and fulfill my responsibilities, at the time of the late payment I was simply financially not able to pay my bills. Under the 15 U.S.C 1681 Law there should not be any damages on my report, and it is a defamation of character. I have since gotten on track and brought my account up to date with your company. I am now trying to get a loan for my Business, however i am having difficulties receiving an affordable rate. The impact of having late payment on my credit file. I am hoping that your organization can consider removing this late payment from my credit report as a gesture of goodwill. this kind gesture would since be appreciated.
04/23/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IN 46052	Web
I have ask for deferment due to pandemic. I have no source of income. I can't qualify for unemployment due to both XXXX XXXX during the base period that they are providing for PUA, and I'm not receiving a stimulus yet. I had to amend taxes to qualify, due to this scenarios. I asked for deferment till restaurants open up. they comment was denied and offering a payment plan. Yet I have no income to commit to a payment plan. I have a job on hold. I'm wanting them to understanding wouldn't of bought car knowing I was being shut down. I need them to offer the consumer deferments under these circumstances and it being a Federal Actions of our state preventing me from meeting my obligations. I never would of done this financial if I had know this. I don't want a repo on my record and I have already paid over 1k in money towards this. Ill be out a job ability to buy another car with repo and out money rendered. Bridgecrest/XXXX the lender Acct # XXXX
04/15/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	VA 223XX	Web
I have complained about the amount of calls from Bridgecrest on a daily basis. They have called me 7 times a day for the past 2 weeks. It seems that my only choices with Bridgecrest are no contact or 7 calls in a day. This is EXCESSIVE. I do not understand how they are allowed to harass customers daily and multiple times a day. I agreed to allow communication with them but did NOT AGREE to harassment! I know I am late on my payment but that does NOT give them the right to call 7 times a day. Thankfully I have a spam blocker on my phone but I want the CFPB to stop them from harassing me. If they do it to me, they are doing this to others. Professional companies do not harass their customers, I dont care how late my payments are. They have no right to do this. I approve them calling me ONCE A DAY NOT 7 TIMES A DAY. Please hold Bridgecrest accountable for this harass of customers. Please look into who else they do this to. IT IS NOT ACCEPTABLE!!!
09/29/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MO 64118	Web
Bridgecrest Acceptance Corporation continues to harass me over an alleged debt, even threatening to repossess mg vehicle. I sent a debt validation letter to this debt collector on XX/XX/XXXX and the company has not provided all the information they were required to provide in order to continue to collect on this alleged debt. It is against the FDCPA for a debt collector to attempt to collect on a debt if they do not validate the debt within 30 days, it has been over a year and this company continues to harass me and cause stress in my life, and relationship. It is also a violation of the FDCPA to repossess a federally protected consumers property. On XX/XX/XXXX XXXX XXXX from Bridgecrest Customer Relations department admitted to committing fraud by stating they in-fact did send me a notice to repossess my property. That letter also states its an attempt to collect a debt, which violates the cease and desist notice sent to them on XX/XX/XXXX.
04/01/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30058	Web
Our country is currently under a National Emergency. The State of GA is under a state of emergency. XXXX County ( where I reside ) is currently under a shelter in place and state of emergency. My job has been affected by the coronavirus. I have not been working for two weeks. I yet have to hear from unemployment. This company is the worst ever. They will not work with you in financial hardship like right with COVID-19. All they want to do is give you a 2 week payment extension. So many other companies are deffering customer payments for 60 days or pushing their payment to the back of the loan and they refuse to help people out. They recommend getting a loan in order to make payment to them or stop paying other bills so you can continue to make payment to us. GET A LOAN TO PAY MY LOAN?!?! Crooks. Bridgecrest should be ashamed of themselves. Half the country is unemployed not by choice, other lenders are stepping up but these clowns are not.
11/03/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	VA 23060	Web
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I did not agree or sign a contract with Bridgecrest to collect on an alleged auto loan debt. I sent certified mail with return receipt the following information which will be uploaded. 1. debt validation letter 2. cease & desist letter 3. XXXX XXXX letter demanding that Bridgecrest show any and all proof that I agreed or signed a contract with them. which in return Bridgecrest could not prove. Bridgecrest looked over all documents and unstapled them and stuffed them back in the envelope and shipped them back to me without answering or showing proof of what I asked for. 1. Obtaining my information and using it without I, XXXX XXXX, the Consumer permission is Aggravated Identity Theft Pursuant to 18 U.S. Code 1028A ( 1 ) and 18 U.S. Code 1028 ( 7 ) 2. Also demanding me to make monthly payments is extrotation Pursuant to 18 U.S. Code 875 ( d )
06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 34759	Web
XX/XX/2022 I disputed this account for violating FCRA regulations TILA the credit XXXX/Bridgecrest is violating consumer laws by reporting and aid and abetting in furnishing this inaccurate report on my credit profile. I had no luck reaching out to the inforamtion on my credit profile for the number listed is not working. These violations are serious and harming my credit report by violating USC 1681 ( S ) ( 2 ) & ( 3 ) & Fair Debt Billing Act. I would like the formal and orginal instrument of indebtness and all loses on books to see where is the numbers from this account is coming from. I have been getting no reply from the creditor and XXXX reps are no not giving me any names numbers or anything. this company is rude and hols your personal information hostage when trying to correct them. If a creditor sales something or transfer the debt the balance and other factors should go into play and be corrected. THIS IS FRAUD ALL AROUND.
04/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33626	Web
On XX/XX/XXXX My husband ( XXXX XXXX, SSN XXXX ) and I traded in for payoff, a XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. The XXXX was financed in XX/XX/XXXX by XXXX XXXX ( fka XXXX ). XXXX and I left the XXXX at the XXXX dealership and took possession of a XXXX XXXX XXXX We were of the expectation that within 10 days Bridgecrest would be paid in full for the XXXX XXXX. In XX/XX/XXXX, we saw a 30-day late on our XXXX Credit report. We disputed it several times online to no avail. The most recent dispute is attached. This was filed after I personally spoke to Bridgecrest and XXXX and Bridgecrest stated they were not going to change the report. XXXX suggested that I get more supporting documents, which I attached to prove that we were not at fault for the 30-day late. The General manager at the XXXX dealership also drafted a letter stating the same and detailed the turn of events that resulted in the late payoff to Bridgecrest.
02/20/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30316	Web
All NORMAL PAYMENT Processing {$200.00} XX/XX/XXXX Normal Payment {$650.00} XX/XX/XXXX Normal Payment {$200.00} XX/XX/XXXX Normal Payment {$300.00} XX/XX/XXXX Late Fee Assessment - {$5.00} XX/XX/XXXX Late Fee Waived {$5.00} XX/XX/XXXX Normal Payment {$280.00} XX/XX/XXXX Payment Reversal - {$280.00} XX/XX/XXXX Normal Payment {$280.00} XX/XX/XXXX Late Fee Assessment - {$5.00} XX/XX/XXXX While payments will post to your account when made, it may take up to 48 hours for you to see them on Bridgecrest. Please check back at a later date if you recently made your payment. If you have any questions about your account activity, please contact customer service at XXXX. Principal Only Payment {$18000.00} They only updated past due amount owe. My credit report is still showing late payments and that I owe them {$23000.00} and that is false information. Everytime I call they say they can not help me and they have nothing to do with credit reporting.
09/05/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	GA XXXXX	Web
I have reached out to XXXX in the compliance department on several occasions, left multiple voicemails with no returned calls. I have reached out to XXXX since around XX/XX/XXXX. XXXX XXXX I reach out to check on the status of the settlement of the debt and I was told that the vehicle has been sold. The vehicle was repossesed on XX/XX/XXXX and Bridgecrest sent a letter to me well after XXXX business days informing me that the vehicle has been repossessed. Bridgecrest is aware of how the debt is being settled and have yet to reach out to me. I also discovered that Bridgecrest received a GA title on XX/XX/XXXX from the Georgia XXXX and transferred the title to Arizona on XX/XX/XXXX. Bridgecrest did not allow me a full 30 days to settle the debt which are the terms outlined in the letter from Bridgecrest dated XX/XX/XXXX. There was only a lien on the vehicle for 21 days and they never had a title in the state of Georgia until XX/XX/XXXX.
03/28/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Confusing or misleading advertising	NC 28212	Web
I told the company to right of rescission my contract, I entered into this contract agreement with XXXX XXXX XXXX XXXX XXXX without : I. Full disclosure of my right to rescind II. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). I have reason to believe that XXXX XXXX XXXX XXXX, XXXX willingly and knowingly took advantage of my consumer credit and me. Gave them my affidavit of truth with laws that they broke. Was never told about rescind the car at all. Debt validation and my cease and desist. The company ignored all the info I provided them and only complied with the cease and desist but not to the full extent of what I was asking. Send my letters XX/XX/2023, which first they said they received that day but later in the respond said they got it XXXX XXXX. I received their letter XXXX XXXX.
01/23/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN 46342	Web
Dear Bridgecrest, This letter is to dispute an incorrect closed account on my credit report that is listed as closed and past due with your company. I am writing to dispute this account because the Fair Credit Reporting Act ( FCRA ) states that information on my credit report must be accurate and up to date. This account was closed and fully paid more than seven years ago, which is the maximum amount of time a negative account can remain on my credit report. Additionally, the collection date on the account has already expired, so even if the account was still open, it would not be reported to the credit bureaus. I am requesting that you immediately remove this account from my credit report in order to comply with the FCRA. Please provide written confirmation that the account has been removed from my credit report within thirty days of the date of this letter. Thank you for your attention to this matter. Sincerely, XXXX XXXX
07/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77070	Web
In XXXX and XXXX of 2022, Bridgecrest was notified that I was refinancing my car loan. On the day that I received an email that Bridgecrest would be reporting a delinquency to the credit bureau, I learned that the pay-off check from my new loan servicer, XXXX XXXX XXXX , had been lost in the mail. Upon calling Bridgecrest and after speaking with two supervisors the only solution that I was continuously provided was that I had to make a payment. While I did make two payments, one to each loan servicer, I explained to Bridgecrest that because I am already making monthly payments to XXXX XXXX XXXX I could not also make a monthly payment to them for the same vehicle. Because the only solution to not reporting me as delinquent to the credit bureau was to make two car payments each month, this appears to be an inequitable, predatory, and unfair approach to dealing with customers who want to resolve a matter that is beyond their control.
02/16/2023	Yes	Checking or savings account Savings account	Problem caused by your funds being low Bounced checks or returned payments	TX 754XX	Web
On XX/XX/XXXX my car payment of {$220.00} was taken out of my savings account, but out of the blue I gotten an email ( XX/XX/XXXX ) stating that my payment wasnt received. Ive sent in an email to resolve the problem and still nothing. I contacted the bank to make sure it wasnt an error, and the teller stated that the car agency had taken the money from my account and nothing was reversed back. On XX/XX/XXXX, I spoke with a XXXX representative as he stated that the issue was made in error on their end, and that the balance was cleared ; all after I asked to have the bank involved in the conversation to provide the additional information. After several attempts to get the issue resolved, the XXXX representative never waived the amount off as promised, while still stating that I owe the paid amount. Customer service was very rude and never showed any interest on resolving the issue, as this isnt the forest time this happened to me.
12/01/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	NY 11207	Web
I purchased a vehicle on XX/XX/2020. After 5 months, I still dont have a title or any documentation about the vehicle. Dealer refused to give me proper documentation to register the vehicle myself. After the temporary tags expires dealers keep registering same vehicle in multiple states. As I can't get a title under my name, or the proper information to registered myself. I call the bank for help. But they stated that they don't have a title either. Im a XXXX resident and Im supposed to be the title holder and need it to transfer my old plates. I paid for the services. I'm making payment for a vehicle that I don't have any documents. I ask the bank to stop collecting payments until the situation is resolve, and honor the FTC Preservation of Consumer Claims and Defenses Clause, which they refused. Im stuck and I need help Vin Number : XXXX Dealer : XXXX XXXX Bank : bridgecrest financial Account Number : XXXX Name : XXXX XXXX
06/07/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 338XX	Web
I have a n Auto loan with Bridgecrest Finance comp any when I lived in XXXX . I am trying to get tags to my car in XXXX . I faxed the a form for them to send my title to XXXX the end of XXXX . I called them the beginning of XXXX to see if they sent my title to XXXX . They said they did n't get the form. I faxed it again the beginning of XXXX and called them to see if they got it. They said they did get it and it would take abou t 3 to 5 days to get my title and send it to XXXX . I have been calling them at least once a week to see if they sent my title. They keep telling me they have to get the title and send it. They keep telling me it will t ake 3 to 5 days. Now I have been out of work for 5 days and still ca n't get my tags because they are refusing to send it. My next car payment is due on XXXX / XXXX / 2017 and I do n't have the money to pay them due to me being out of work due to them not sending my title.
02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30224	Web
FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I've disputed the accuracy of my payment history on two of my XXXX XXXX accounts. Disputes made through each credit reporting company and all continue to come back verified as accurate. I've sent certified mail and called reguarding this information and requested documents that show the verification. I have yet received and documents and the inaccurate reporting still shows on my credit profile. Delete the late payment history and update the accounts and report them properly to all three credit reporting companies. XXXX, XXXX, and XXXX, each credit reporting company should all have the same exact information nothing should be different.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92335	Web
I recently received a copy of my credit report and found that there are several accounts, that are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged accounts are listed as collection with a past due balance or XXXX balance. BRIDGECREST, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is a violation of the FCRA and is in violation of requisite XXXX XXXX compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report and required to remove any information that is not true, inaccurate, compliant, and verifiable. I demand that the above-mentioned derogatory items be investigated and permanently removed from my report.
01/18/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 341XX	Web
My identity was compromised. As a result I have been a victim of ID theft. There was vehicle purchased totally on line, delivered to an address in a state I don't live in nor have never lived in. It did not match my Drivers license or any info given to this online lender. They are the ones who told me this on the phone. They have taken possession of the vehicle, sold it at auction and have reported this on my credit bureau with XXXX XXXX. I have submitted all the required Information they requested to have this removed and they still havent done anything other than try to collect on an account they know they should never have opened none of the information matched me or my credit file. AS a result they are XXXX me all over. I am in the process of obtaining my first home loan. The mortgage company can not give ma a loan even with PERFECT credit expect for this one open charge off. I have told them this and nothing is being done.
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30152	Web
In compliance with the FCRA, I demand an accurate report on my consumer credit file. You have, yet again, failed to do so. Noting your last major impact to my consumer credit file, you brought your inaccurate information into the current year. This has negatively impacting my familys financial life. Now, with your latest correction, you have brought your inaccurate information to the wrong month that you claim is correct. At this point I demand the information be removed until such that you can provide proof as required by the FCRA. Your shameful lack of responsibility in regards to how this drastically impacts consumers lives is entirely unacceptable. Please do your job as required by the law and accurately report to all three credit bureaus immediately. Please note that any further negative and inaccurate alterations by yourself or your company will result in a public civil suit for damages to the full extent of the law.
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 150XX	Web	Servicemember
I have spoken with Bridgecrest on XX/XX/2021, XX/XX/2021, XX/XX/2021 and filed a dispute with experian on XX/XX/2021 which was completed on XX/XX/2021 regarding this issue. My car was deemed a total loss on XX/XX/2021. The lender Bridgecrest reported it to the credit agency as a closed account with a comment paid by insurance instead of paid in full with the amount that was paid. Ive spoke. With them multiple times and each rep has stated that I can dispute it and then itll get corrected and so when the dispute results came in XX/XX/2021 the only thing that changed was the comment nothing else. I did not willing close this account the account was still active when my car became a total loss, the check was back dated to XX/XX/2021 so I do not understand why the account will show closed instead of paid in full. Bridgecrest sent me a paid in full letter on XX/XX/2021. But are not reflecting the information correctly on my report.
11/11/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 631XX	Web	Servicemember
Hello my name is Mr. XXXX XXXX and I have a complaint with the financial company Bridgecrest Acceptance Corporation account noXXXX, this is my auto finance company. The problem I'm experiencing with this company is their relentless tactics on refusing to comply with an attempt to negotiate a fair goodwill attempt to have them remove late payments on my account with them from a prior year, 2018 to be exact. I was an excellent paying consumer for about a year or so until an unfortunate circumstance where I had been scammed and filed police reposts, but going through this period caused several unfortunate late payments and they were made aware of this and even spoke highly of my prior payment history before and after this time period. To this day I am still making great payments to them however their reluctance to help me is causing harm to my credit bureau reports and scores. I may be contacted if needed at XXXX XXXX XXXX XXXX
03/01/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AR 72076	Web
My husband and I have files several disputes with XXXX, XXXX, XXXX, and BRIDGECREST, about inaccurate information on my credit report. The first time Bridgecrest was reporting all the negative payment history and refused to include the positive payment history. After trying to dispute that, Bridgecrest started placing IN REPOSSESSION for each month for 3 years after the car was repossessed. We sent in another dispute, XXXX, XXXX and XXXX reported the same inaccurate information. We tried to fix the problem by calling BRIDGECREST to report the inaccurate information. XXXX told us, they wasn't fixing anything, because everything they sent to the credit bureaus is correct until 2026. We explained that the account cant be still open, if we don't have the car. We also let him know, reporting IN REPOSSESSION for years on our account is not fair. He replied, it is what it is and that is what they will continue to report every month.
12/14/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 314XX	Web	Servicemember
My vehicle was repossessed on the XXXX of XXXX on the XXXX I went to XXXX XXXX where the vehicle was to retrieved my property but the person who took me had to go to work so i could not retrieve all my stuff the lady made me pay XXXX and I ask her if i can come back to retrieve the rest of my stuff in XXXX days. I retrieved my wallet and a pair of sneakers and I told her money and a money order for {$1000.00} was missing from my wallet she then called me a liar and called the police to remove me from the yard. She then called BridgeCrest and told them a bunch of lies and that I was banned from the yard. My mother went to retrieve my property and was told a bunch of lies too. Bridge crest is not trying to help me retrieve my property everyone is saying they don't know where my property is and I had important military documents in my car. This is how veterans get treated for serving this country and protecting people like them.
10/19/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	LA 70056	Web
BridgeCrest Loan company, repossessed my vehicle ( XXXX XXXX ) on XX/XX/2022 without judicial order. I called BridgeCrest on Monday, XX/XX/2022, requesting the location of my vehicle and informing them that I did not receive a court order in regards to the repossession. I informed the representative that in order to repossess my vehicle a court order must be file, and I would have to receive this notice regarding the repossession. The representative to me that a judicial order was file, but she refuse to disclose when the court order was filed and to which court circuit. BridgeCrest, is in direct violation of USC 15 1692f ( 6 ), which states, provides liability for unfair practices including [ t ] aking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest.
11/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY XXXXX	Web	Servicemember
Today, I received on my XXXX Credit report that I was 60 days and 3 payments past due on my Bridgecrest account, as shown below. This is false reporting. I did exactly what was required of me to make payments until my GAP insurance made the final payment. However, when I received the below on my credit reports, I was very disapointed in how Bridgecrests communication process failed. My car, XXXX XXXX XXXX, was totaled on XX/XX/XXXX. Prior to this accident there were zero late or missed payments to Bridgecrest. Below are records from my account on Bridgecrest on or about 70 days ago. Records also showed that I made payments on XX/XX/XXXX and XX/XX/XXXX. Records also show below that Bridgecrest reimbursed me for all payments made since XX/XX/XXXX. The reimbursed check amount, along with the check # and date match exactly the payments I made over the last 70 days. Again, prior to this there were zero late or missed payments.
05/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27106	Web
Account was opened in XX/XX/XXXX the car was repoed in XX/XX/XXXX d/t some financial struggles. The car was gotten back XX/XX/XXXX also. We made payments on time since then and the car was payed off in XXXX completely. I have disputed the information on my credit report 3 times. XXXX continue to report every month to credit bureaus that it was charged off since XX/XX/XXXX, informed them it should not be in charged off state if we were making current payments and finished our loan. Instead of them changing the status they only closed the account. I informed this that this status is showing bad on my report and to please update. They also show its written off for XXXX which is the full amount I paid for the car, then it shows high balance of XXXX. This account is not a charge off but they keep listing it as such. I also asked them to change that this account was deliquent. I was late on a payment in XXXX but not any other yr.
09/30/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 223XX	Web
I made a complaint against Bridgecrest a month ago due to incessant calling multiple times a day to me and my family because I was a month late on my payment. Now they have blocked my access to make a payment with my debit card online. I am now unable to pay via credit card, debit card, and bank account. I tried to make a payment multiple ways this morning and am blocked with every type of payment method. I successfully made a payment last month with my debit card ( they also charge a fee to pay that way but will not allow me to pay another way ). I am sick of their games and their treatment. I should be allowed to pay via debit or credit card. I have no way to make a payment now. They are punishing me for contacting you about their harassment when a payment is late. If they do this to me, how many other people have had this happen? How am I supposed to pay my car payment when they have blocked me from making the payment?
04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 61821	Web
Bridgecrest refuses to remove the fraudulent information they have listed on my credit report due to their predatory lending practices. They need to remove this fraudulent account off my credit report. Inaccurate reporting is causing my family a great hardship. Using the credit bureau system to discriminate against consumers through predatory lending practices that have been outlawed by many Attorney Generals in the United States. Please look into this companys reporting practices!!!!! The transmission went out as soon as I purchased the car and the company would not help me replace it and instead of allowing me to fix the transmission they fraudulently repossessed it. It was not past due I needed to fix the transmission and as soon as they found out the transmission went out they decided I needed to make all the payments and avoided the arrangements I made to make the repairs affordable. Please investigate this company.
08/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	FL 322XX	Web
back in XXXX or XXXX i purchased car XXXX XXXX XXXX i through a company call XXXX with my son after the disaster of covid 19 i reach out to the company regarding my payments due to covid 19 struggling with my bills and losing my job i kept making payments as possible with the little money a had but i ran out of money and i couldn't afford to make the payments no more i spoke to a rep to see if they can work something out with me they explained to me that it would not affect my credit report years later now im getting hit with a appeal from court after the fact they would tell me it going to be taken care of the charges that i'm seeing on my credit report is incorrected and wrong its not fair that due to my situations of covid 19 i still have to deal with this now it cause my credit score to be in the negaitive with no help and i gave them the car back with no demages please someone can assist me in need what to do now.
09/15/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 95648	Web
This automobile was repossessed in 2018. Bridgecrest never sent me a cancellation of the debt. Bridgecrest never sent me the sale amount for the automobile. Due to GAP insurance being paid for and provided for by me, for the automobile, Bridgecrest was fully enriched for the total value of the vehicle from the insurance company. Bridgecrest filed a 1099-A and/or 1099-C in regards to this automobile to the Internal Revenue Service, providing evidence of acquisition/abandonment of the automobile and/or cancellation of the debt, attached to the automobile. Thus, this debt is alleged, fraudulent, and/or, already paid in full to Bridgecrest. Bridgecrest is seeking to be unduly and overly enriched by continuing to report this as a debt owed to them and continues to unlawfully report this account to all three nationally recognized credit bureaus ( XXXX, XXXX, and XXXX ) as a negative account with active owed balance, to them.
02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19139	Web
The Creditor Reported I Was 30 day late for XX/XX/2022. The mistake happened because I called in late XXXX expressing to have my payment due date changed to XX/XX/2022 and The Call representative read me my disclosures and stated Your payments will now be on the XXXX of month starting now and you dont have a payment due until XX/XX/XXXX. I replied back and said thank you and I thought he disconnected the call but Im now founding out the call was dropped. My due date remained XX/XX/XXXX although its note and on record that I will like for my due to be XX/XX/XXXX and the Rep confirmed it. With a XX/XX/XXXX due date I would not 30 days with my account. I request that the 30 day late payment be removed from my account immediately because they have honor the XXXX of each month as my due date. Bridgecrest can verify that every word in this statement is true my account is also paid in full and I have not missed a payment yet.
05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63031	Web
Upon reviewing my credit report I noticed that Bridgecrest was reporting on all three of my credit reports XXXX, XXXX and XXXX a 30-day late for XX/XX/2020 in regards to an AUTO LOAN. I reached out to the company to provide me with valid information and paperwork in regards to this 30-day late item showing I was in fact 30-days late. Bridgecrest company REFUSED to provide me with the information I request. In addition, I requested that they immediately delete the inaccurate 30-day late payment from all three of the credit reporting agencies XXXX, XXXX and XXXX but Bridgecrest refused to accurately update my credit reports. During the XXXX when Bridgecrest stated I was late, I literally no longer owned the car at the time. It was TRADED IN at the DEALERSHIP in the month of XX/XX/2020 and I DID not OWN the car. I have not been able to resolve this issue with the car company, or have my credit report updated accurately.
01/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44106	Web
On XX/XX/XXXX I was in a car accident, totaling my XXXX XXXX XXXX I filed a claim with my XXXX XXXX insurance company about 2 days later after leaving hospital as well as informing my lender bridgecrest that the car was damaged. The car was deemed a total loss and my adjuster reached out to bridgecrest and by XX/XX/XXXX a check was sent to bridgecrest from the insurance for $ XXXX still owed about {$14000.00} before the insurance payment and now the balance is XXXX which will be taken care of by bridgecrest gap coverage that they said was filed on XX/XX/XXXX but they charged off my account and has it showing as a repossession hindering me building my credit and obtaining a new vehicle. Every time I call they keep saying XXXX to XXXX for the gap pay but it is very negatively affecting my credit score and its a total loss not a repossession.i disputed it and they reported insurance paying off but still did a charge off
06/19/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75067	Web
I have repeatedly had to submit complaints about several separate times of this company calling more than one time per day leaving message. After the frist complaint they said they would stop doing that because that was wrong. It still continued. 4 separate days I had 2 voicemails and I again made a complaint but nothing was done again. I got a call today Monday XX/XX/XXXX and they left a voicemail that did not state the company name but did give a phone number to return their call and the message stated that payments made recently would not clear the deliquieny status of the account and that I should call to see if there are any options left. I called the company and all they said was that they would review the call and do internal training. This company continues to call and leave multiple voicemails on same day and has now left messages about collecting on a deliquent account and has not corrected thier behavior.
04/11/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	LA 708XX	Web
I reached out to BridgeCrest through the credit bureaus As I am disputing the repossession they have listed and has indicated XXXX XXXX as the original creditor. I exercised my rights and disputed this via the three credit bureaus. One bureau has removed but it is still being inaccurately reported. Since I was told that it was valid and verified I sent a written request for the method of verification. I also asked for the documents they should have used by law which would have been bearing my handwritten signature and also had the original terms and sells price so we could also verify the highest amount owed that they have list. This company has not been able to provide me with ANYTHING! In a final attempt to settle this without having to enlist my retained legal counsel. I am using CFPB as a middle man and requesting the above verification AND method of verification or remove this horrendous item from my report.
05/15/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	CA XXXXX	Web	Older American
On XX/XX/20 I spoke with a person in financing by the name of XXXX regarding my loan concerning the reason why I do not receive statements online or by paper. I was told that this company only service customers online. I also asked XXXX in the finance department, why my finance charge, interest, and breakdown on my loan is not showing online and I only see the payments made but nothing else. XXXX told me they do not give statements. So I explain to her I need a monthly account breakdown each month showing interest and other charges I am being charged each month in order for me to pay my car note each month and a balance break down in black and white on their website or paper statement, but this is important if they are servicing my loan. They must bill me fairly and show what they are billing me in black and white. Or they will give me no choice but to also contact the State Attorney Office also for assistance.
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43119	Web
My XXXX XXXX XXXX was hit and made inoperable XX/XX/XXXX. I called Bridgecrest ( the financial institution who the loan was issued through ) and they told me to continue making payments until this issue was resolved with the insurance company. I continued to make my bi-weekly payments of {$200.00} until the insurance company issued them a check. The insurance company post dated the check back to initial date of loss in XX/XX/XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX i made {$1200.00} worth of payments per their instruction. Also, within that time period they reported to the credit bureaus that they repossessed my car. That action resulted in my credit score dropping XXXX points. I was never late on a payment nor did i ever miss a payment. Bridgecrest has yet to issue me a refund for the {$1200.00} that i paid after the initial date of loss or gave me any kind of time frame as to when to expect it.
07/20/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 235XX	Web
I purchased a used XXXX XXXX XXXX from XXXX, {$500.00} down, on XX/XX/XXXX with my grandfather as my cosigner. My account was then transferred to Bridgecrest ( account # XXXX ) from that day forth, which I was never informed of. I have a bi-weekly payment of {$220.00}. My credit report shows XXXX payments remaining. But when speaking with Bridgecrest on yesterday, they stated that I have XXXX payments remaining. By the time I pay the car off, I'll be paying almost 3 times of what the car was priced. I then asked what all has been paid thus far which is {$4300.00} towards the principle and {$10000.00} towards the interest. I feel that I'll never be able to pay this car off and that my grandfather and I are being legally robbed. I have been unemployed since XX/XX/XXXX. They won't alter the interest rate or even change the payment arrangement from twice a month to once a month. What can my grandfather and I do?
08/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20814	Web
I purchased a car from XXXX and it was financed by XXXX XXXX -- now Bridgecrest. XXXX never took the first $ XXXX from my account and without telling me decided to mark my car to be repossessed. ( after having paid all of my bridgecrest payments for 6 months ) In addition to totally being inaccessible, they refused to accept my $ XXXX once I found this out. Never delivered my registration and reported on behalf of bridgecrest on my credit report that I was late on payment ( which I was definitively NOT apart of the loan for bridecrest that they falsely reported on ). XXXX removed this after a dispute was initiated. But XXXX still intends to take my car as a repossession. I even offered to give them back the car if they agreed to not write anything further derogatory on my credit report and they have flatly ignored my offer. Such XXXX and am out thousands of dollars because they refuse to accept my money.
07/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MD 20748	Web
Filed bankruptcy in XX/XX/XXXX which was eventually dismissed ; auto loan company has not reported payment history since then even though they were notified that the bankruptcy had been dismissed. Approximately XX/XX/XXXX Bridgecrest Acceptance Corporation provided a " Letter of Credit '' via email in lieu of reporting the open tradeline. The company indicated that the account was paid " 1 time 30 days late ''. On XX/XX/XXXX I received a hard copy letter that indicated the account was paid " 4 times 30 days late ''. I have sent written correspondence via email to have this corrected ; I have received no response to date with regard to that matter. However, the company still continues to make repeated, harassing calls several times of day, 4-5 messages and are relentless with requesting payment. I would like for the company to report ACCURATE information, as it is clear that their record keeping is egregious.
04/16/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 75050	Web
This is my 3rd complaint against this company and I would like a resolution!!! 1. I never received the loan documents from this company. I need all documents including GAP documents. I need my ( original ) amortization schedule. I need the signed copies of the finalized loan documents. I have requested this information at least 5 times with no results. 2. My overpayments are still not dated to the date of the request to apply to the principle balance. I worked in finance and I am very well aware of how the daily interest are applied. 3.They are telling me that I can see the principle balance on the web and how my payments reflect the balance by reviewing the payoff quote. This is untrue, the payoff is exactly that a payoff if I was paying it off within 10 days. I want to be able to see my payments and the principle balance after each payment. The website does not show that breakdown and I want to see it.
06/19/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	FL 32811	Web
I was in car accident on XX/XX/2020 the offender 's insurance ( XXXX XXXX # XXXX ) deemed my car a total lost. I made sure my insurance company ( XXXX ) as well as my finance company ( Bridgecrest ) know that my car was a total lost. I provided the adjuster ( XXXX XXXX XXXX ) my finance company total lost company phone number ( XXXX ) .I made sure I had gap coverage in place ( XXXX XXXX account number can be found with my old phone # XXXX ) I did have retain an attorney ( XXXX XXXX ( XXXX ). My issue is my finance want me to pay {$1300.00} for a car I haven't driven since XXXX. XXXX paid {$9600.00}. XXXX paid {$3700.00} only. When speaking to them they said that they only paid whatever Bridgecrest submitted. That's not the only problems Bridgecrest has been reporting me late to credit bureau every single month since he car has been deemed total lost. I don't understand why this a legal business practice.
09/11/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NM 87108	Web	Servicemember
I contacted the loan company in order to set up auto bill pay, and the representative I spoke with assured me that the auto bill pay was set up. I did this know that I was going to be XXXX for 6 months, and made sure I deposited all the needed funds to my bank account during my time XXXX XXXX. Upon XXXX I found that my vehicle had been repossessed as payments were not made. I do not understand how this even happened. I have attempted to contact the company several times with not resolution. I have experienced extreme pain and suffering as a result due to an error made by the company 's representative. I have attempted to dispute this off of my credit to prevent further pain and suffering, and the company has refused to even remove this item from my credit report. I feel this is extremely unprofessional as I did not make the mistake the representative who was supposed to have set up the auto bill pay did.
04/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27215	Web
Hello Ive been an outstanding consumer of bridge crest. I had 2 vehicles at one time, paying off faithfully. Bridgecrest Website shows inaccurate information. It stated no payment due, then will change without notice. I have attached proof of their faulty site. Which shows XXXX due yet {$210.00} was due. Once I found out their website was faulty, I called and set up payment arrangement with rep. The loan company reported me late 3 times on my report XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXwhich is incorrect, I never was late for these dates. I made the agreed upon payments. I have since brought the accts to being current, even paying one off in full. Ive called the auto loan company5 times, wrote in, and disputed with credit bureaus. but nothing was changed. I am trying to buy a house and this is the only thing holding me back. Thank you for taking the time out to read/help with this devastating time in my life
11/14/2022	No	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	KY 41018	Web
I have been calling Bridgecrest multiple times in order to make a payment. A few weeks ago, my online account access is disabled and my account is in collections. I have been attempting to make a payment but when I call, I am told that I can't make a payment until someone in the Agency/XXXX department calls me back. I have never received that call back and I need to make a payment or my account will be further in debt. It seems like this is being done purposefully so that my account will remain past due. All I want to do is make a payment on my car without risk of it being repossessed and going through a 6 month long process again. I finally got resolution to a prior issue and now I am encountering this. I need help immediately. No one is helping me out. I was told that a credit was applied to my account for my last issue and I do not believe that was done. If so, I need to see proof of it in writing.
06/07/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NV XXXXX	Web
Bridgecrest financial has now repossessed my vehicle illegally XXXX times. The first time they had a no late payment and took it leaving me without a vehicle for over a week and reported illegally to my credit about a repossession. The second time they would not allow me to make any payments after they returned my vehicle. They did not contact me. They did not allow me to speak with any representative as well as they blocked me out of my online account to be able to process a payment. They have denied my right to pay my payments by not accepting payments after they returned my vehicle the first time. They have caused me financial and emotional distress and have caused me to lose work due to them illegally taking my vehicle multiple times. They have also stolen multiple controlled substance pills from my vehicle both times it was repossessed as well as stolen money that was in my vehicle both times.
07/30/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TN 381XX	Web
this account is a collection account or being reported as a collection account but yet i have a balance that i have to pay because the account is still open on my account. why are they trying to keep this account open on my credit report, why are they reporting this as an open live up to date account where i have active debt instead of reporting this as collection debt. why are they trying to deceive my future creditors by listing this account as active like i have the car and paying a car note, while saying this car is repossed. this is a XXXX tactic to force me to pay whatever amount they list. thats why we have the truth in lending act to prevent collection agencies from doing just what they are doing right now. they are trying to hold my correct information XXXX for a fee to them for XXXX they are really trying to XXXX money from me to get me to pay to get this off my credit report.
07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32505	Web
I was sent an email from Bridgecrest stating I had until XX/XX/2021 to make the final payment on my loan or my account would be reported as a 30 day late with all 3 credit bureaus. I made a {$500.00} payment on XX/XX/XXXX, and a payment of {$200.00} & {$400.00} on XX/XX/2021. Those payments paid off the loan and the account was closed. I called to confirm and was told I did not owe anything additional and the loan was satisfied. I received a notification from all 3 bureaus that a had a new 30 day late from Bridgecrest. I reached out to Bridgecrest to ask why, but was given an answer that did not make sense. Was told they reported my account status on the report date, however, my loan status as of XX/XX/XXXX was paid in full, not 30 days late. They refuse to correct the information so I am asking for help. I will not be allowed to close on my home loan with a new 30 day late, which is inaccurate.
09/18/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 79705	Web
Bridgecrest was notified XX/XX/XXXX by fax and certified mail of account in Dispute and account Verification request to be sent via mail. As of now I have NOT received complete requested information as required by 15 USC 1692g, section 809 of the FDCPA. As of XX/XX/XXXX Bridgecrest continues to illegally attempt to collect a debt with acknowledgment of debt in Dispute status. Alleged account status is currently showing additional payment and late fees attached. This is a clear violation of the FDCPA including but not limited to FDCPA sections 806, 807, 808, 809 and 813. I do not acknowledge this debt as mine without verification of account and will Dispute any updated payments or any associated fees. Bridgecrest to be sent as of XX/XX/XXXX, updated letter by fax and certified letter notifying of these more recent disputes including additional 10 day request for information and correction period
01/28/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	NC 28304	Web
Wrongful auto repossessions by servicers.repossessing vehicles, even after I took intentional actions to prevent repossessions.I lose personal property when the vehicle is repossessed or are unable to hold on to their job due to the lack of transportation. They also incur other significant costs, including the expense of finding alternative transportation, fees related to repossession, and negative marks on their credit reports.The auto servicers engaged in unfairly failing to obtain refunds for borrowers for add-on products that no longer provided a benefit. In other instances, they found that auto servicers misled consumers about the amount of their final loan payments after their normal payments were deferred due to financial difficulties.Failure by credit reporting companies to conduct reasonable investigations into disputed debts.They also illegal charge me for a down payment for the car.
02/20/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	DC 20020	Web
My name is XXXX XXXX, I received a car from XXXX in XX/XX/2020. I later received calls and texts from Bridgecrest regarding an alleged debt. I never consented to Bridgecrest having my personal information. I mailed them a debt validation letter on XX/XX/2020 and did not receive a response. I mailed them an affidavit of truth on XX/XX/2020 which also did not get a response. Both documents were sent certified and signed for. I recently sent another debt validation because I noticed that this account was on my consumer report listed as charged off, which has negatively affected my reputation as a consumer. I still have not received a response from Bridgecrest. How can they charge off an account that they have not validated? This account has stopped me from getting many opportunities over the past few months. I feel that they need to have some type of repercussions for their actions from the CFPB.
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19144	Web
Over the last few months I have disputed this account with the credit bureaus. Each time the credit bureaus come back and tell me this debt has been verified. This company is inaccurately reporting to the credit bureaus each month. This company is negligently and willfully violated the Fair Credit Reporting Act. Bridgecrest negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely and Bridgecrest can not supply that and report accurate information to the credit bureaus they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act.
12/11/2020	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33598	Web	Servicemember
I am a Federally Protected consumer. XXXX has violated several Federally Protected Consumer rights under FDCPA 15 USC 1692 in an attempt to collect an alleged debt. I initially mailed Bridgecrest a debt validation letter certified which was delivered on XXXX XX/XX/2020. They did not send proper validation. They have called me while in possession of my cease and desist which is a violation of 15 USC 1692c ( C ). I notified Bridgrecrest in writing with a sown affidavit of truth stating the facts and citing each violation line by line which was delivered on XXXX XX/XX/2020. I received a letter from Bridgecrest 3 XXXX threatening to repossess my property. They are conducting unfair debt collection practices. As stated I am the original creditor, natural person and I extend credit to financial institutions. Bridegcrest has failed to provide me adequate information on where the credit comes from.
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 40031	Web
On XX/XX/23 I received an email stating that Bridgecrest would be reporting my auto loan payment late if they did not receive payment by XXXX pacific time on XX/XX/23. I was almost done with a refinance and the payoff was to be sent the XXXX. It was and on XX/XX/XXXX I received an email from bridgecrest of their receipt of my payoff amount. And indeed when I went to login the account was already closed out. Today, XX/XX/23, I wad notified by my credit monitoring service that bridgecrest had listed my account as 30 days delinquent. I am trying to build my credit to apply for a mortgage and late payments are a huge deal. I entered chat with a bridgecrest representative, XXXX and she stated their processing time for these corrections are 90 days. Which is unacceptable for a mistake that their company made. Didn't take them any time to report it late, why can't they remove it just as quickly?
01/01/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX XXXXX	Web
I had applied for a vehicle through XXXX back in XXXX. When they delivered the vehicle I didn't receive a copy of the title or NO paperwork on the vehicle. At the time I was working at the department of motor vehicle and I did a title registration search and the XXXX truck was never registered in my name. On my credit report, it's reporting a charge off in the amount of {$18000.00} from Bridgecrest, by XXXX. I DID NOT purchase the car from XXXX. I have tried to dispute and contact Bridgecrest. The response was to fill out a fraud report. I would like this collection disputed because the vehicle was never registered in my name. I do not have possession of the vehicle. A representative called from BridgeCrest, and said they were picking the car up at the XXXX place in XXXX, MS where the transmission went out. I do not have possession of it. I was told someone picked it up and it wasn't me.
06/04/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 336XX	Web
On XX/XX/XXXX I XXXX XXXX XXXX I was starting a new job on XXXX XXXX XXXX, I fell behind on payments due to XXXX mechanic issues I payed out of my pocket. On XX/XX/XXXX I made a payment of XXXX. XX/XX/XXXX a XXXX payment and XX/XX/XXXX XXXX payment all while being in communication that I will pay off the balance of XXXX as soon as possible I start a new job on XX/XX/XXXX and my first paycheck is the XXXX Also for the record I had not missed a payment prior to XXXX when XXXX XXXX XXXX XXXX. They have threatened to repossess my vehicle tomorrow XX/XX/XXXX and there's nothing I can do about it. Even though I was willing to pay XXXX today XX/XX/XXXX .And my remaining balance Wednesday XX/XX/XXXX XXXX am very upset because I have children and have to get to and from my work, it's been over XXXX dollars of payments I calculated it!! that have just went towards APR interest!!!! Unacceptable!!
05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30122	Web
XXXX XXXX, is a financial institution by definition under 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
07/04/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28227	Web
Per the terms listed on the Bridgecrest.com website, in order to submit a request for name change, please fax a copy of your marriage license and government issued ID showing both your former and married names. I complied and faxed the documents and was replied via USPS that I needed a notary to verify my legal drivers license. Bridegecrest continues to report my payments and account to the credit bureaus in my maiden name which is no longer valid. Again, calling to ask why my name hasnt been updated, the rep claimed that my marriage license hadnt been received. I have a digital fax service which verified the pages were received. I faxed additional copies of my drivers licenses and marriage license requesting a 2nd, 3rd, and 4th time via fax and forwarding the faxes to email and they remain ignored. I want my legal name reflected on my loan account and it to be updated as such.
10/29/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89074	Web
I have made 33 payments. I have had 2 extensions on the loan. I owe the same amount I did when I bought the car as well as have been told I am still late even though I am one month ahead of the actual billed contract and the down payment was not applied at all to the loan. The interest rate is supposed to be 17 % but they have charged a 95 % interest rate so far on the loan by compounding 17 % per month instead of a 17 % apr. They are illegally charging fees as well as threatening with repossession on a loan that is current. This company is violating multiple federal and state laws and being deceitful to a XXXX person as defined by the ADA. Also the contract amount states XXXX XXXX monthly payments. They have been charging XXXX XXXX monthly every month with is illegal to charge a different amount monthly then the agreed upon amount. As shown in the picture of the original contract.
06/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46239	Web
In XX/XX/2015 I became unemployed and was receiving unemployment benefits. I had requested assistance from this lender in regards to assisting me with getting caught up on my payments but I continuously was behind a week, two weeks, and even into 30-60 days. The lender refused to offer any type of deferment/forbearance to assist me even though I repeatedly called and requested something to help me get caught back up. On a call a couple of months ago with the lender regarding a previous CFPB complaint I made regarding this matter, the agent stated that they do not have to offer assistance to their borrowers across the board and that these types of programs are only offered as the company allows and they are limited and not available all the time. I believe that this company is violating fair lending laws and is discriminating by not treating all borrowers the same across the board.
06/19/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32223	Web
I have been trying since XXXX to get an amortization schedule from Bridgecrest for my auto loan showing how my payments are allocated on my loan. I kept seeing a very high payoff quote online for my loan, near what I paid for the original loan. I keep getting conflicting information. Today I recieved a transaction history of my payments on my loan which clearly shows that they are not applying my payments correctly to my loan, including 3 payments towards nothing but interest on the loan. I have spoken to them several times about this and the foreign customer service is not understanding my complaint or requests for the payment schedule. I have made several payments well before the due dates to help keep the interest charged to me lower on a daily basis. Roughly around $ 10/day in interest. Please help me with what I believe is illegal practices on part of Bridgecrest. Thank you.
09/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33713	Web	Servicemember
In regards to the Bridgecrest auto loan that was paid in full, there were two 30 day marks added on XX/XX/XXXX & XX/XX/XXXX. I was in an auto accident and the car was totaled at the end of XX/XX/XXXX. On XX/XX/XXXX, my insurance agency XXXX sent a check to pay the account off out on XX/XX/XXXX. On XX/XX/XXXX I received another notification from XXXX that a new check was resissued to Bridgecrest as the original check dated XX/XX/XXXX was never received by Bridgecrest due to XXXX sending the check to the wrong address. This in no part is my fault and the two late marks received should not be on my credit. I have asked Brdgecrest to correct the reporting and they state that they have no capabilities to make the corrections which I know is not true. I am a Veteran trying to purchase my family a new home and these two false late marks are keeping me from doing this. Please help!
06/09/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60202	Web
On XX/XX/2020 my car was stolen and damaged and deemed a total loss, by my insuranceXXXX XXXX was paid to the finance company BRIDGECREST leaving a balance. XXXX still made payments. Gap insurance paid the remaining balance in the amount of XXXX based on the date of loss. however after the payment was received the finance company Bridgecrest didnt apply the payment and allowed interest to accrue on the account after the payment was received and posted they refused to service the loan and each time I have called the period gets longer it started as 5 days from the check being received to 7 days and now they are saying 10 but when asked is this from the date the check was received it is said from current day which is XX/XX/XXXX. The check was received and posted on XX/XX/XXXX but they not clear my balance and are allowing interest to accrue when I am actually due a refund.
12/03/2022	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	MI 48203	Web
Date XX/XX/2022 I took out a auto loan with Bridge crest formerly for only 25 month term I am writing you to request an investigation of the following information that appears on my credit report. Dispute 1 Explanation of the item being disputed. the auto loan was only supposed to be for 24 months. And is now updated on my credit report showing a 72 month term. And this account is now showing as a closed account. Enclosures : I am requesting documents stating that my lease was renewed with your company. For a 72 month term. If you can not provide me with legal proof of my authorization, then I am demanding you contact the XXXX, XXXX AND request them to remove this immediately. Your failure to comply with my request within 30 business days will be evidence of your willful compliance Fcra 616, 15 USC THANK YOU FOR YOUR attention to this matter. Sincerely XXXX XXXX
10/22/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 275XX	Web
I have called BridgeCrest more than 4 times trying to speak with someone that can explain why is the account still showing on my credit report. The car loan was taken out online by a family member that use to live with me I have sent in affidavits and proof of ID to no avail. I even sent in the check to pay the car in full for {$9700.00} which I was told by a rep named XXXX and to mail the check to XXXX XXXX XXXX XXXX XXXX AZ. One month the amount was showing I owed {$8000.00} now it is showing {$9700.00} a complete audit needs to be done and any over payment sent back to me. But to get rid of this thorn in my side I paid the {$9700.00} and I want this account removed immediately. BridgeCrest has been paid now do the right thing. I also believe it is time to start applying fines against BridgeCrest and to move my complaint up higher so it can get resolved immediately.
11/17/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 37013	Web
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.
09/12/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28314	Web
Harassing phone calls, sometimes 5-6 times a day if I miss a payment by even one day. Call my job, call my references. Threaten to repo my vehicle but then tell me " it's not what they really want to do ''. Now, my car has broken down three times since I bought it. First time the converter had to be replaced, second time the engine had to be replaced -- which I just found out they replaced it with an engine from a salvage yard. That was less than a year ago and now the engine is misfiring and knocking. They are giving me a hard time and telling me if I can not provide every single maintenance record that they won't fix it and on top of that keep harassing me for a payment on a car they " may total '' and telling me if I don't pay now I will get repossessed and it will " hit my credit and I'll never get another car ''. They are using intimidation to try to harass me.
09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79705	Web
Company in violation Bridgecrest : Acct # XXXX 15 USC 1601 15 USC 1681s-2 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 7 ) ( 8 ) 15 USC 1692e ( 8 ) 12 CFR 1006.42 ( a ) ( b ) 12 CFR 1006.34 ( a ) ( i ) ( B ), ( c ) ( 1 ) ( 2 ), ( 3 ) ( i ), ( 4 ) ( i ) ( ii ) ( iii ) 12 CFR 1006.18 ( c ) ( 2 ), ( e ) 12 CFR 1006.6 ( b ) ( ii ), ( d ) ( 3 ) ( i ) ( ii ), ( 4 ) ( i ) ( B ) ( ii ) ( A ) ( B ), ( e ) 12 CFR 1026.5 ( a ) ( b ) ( e ) 12 CFR 1026.9 ( a ) ( c ) ( h ) 15 USC 1692f ( 8 ) Also including : " Illegal Repossession Attempt '' occurance on XX/XX/2022 due to company failure to notify XXXX XXXX XXXX XXXX issues resolved which resulted in damages to vehicle. Neither Bridgecrest nor XXXX are claiming responsibility. Filed complaints with proper agencies in recovery of damages for both companies Numerous calls of opt out and only wanting information sent via MAIL due to privacy concerns
01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	SC 29687	Web
Since XXXX I purchased a vehicle from XXXX and BridgeCrest is the Creditor. I have not been able to get them to respond in a timely manner. I have sent copies of my concerns and complaints to them and the have not given me a proper response. I have found discrepancies in the Bill of Sale and Retail Sales agreements. Both parties have violated my Consumer Fair Rights, my Right to Rescind, Complaint Regarding Fraud and Misrepresentation Violation, violation of FCRA 15, code 1666b, disregard necessary steps to ensure the fair treatment of consumers in accordance with FCRA guidelines and my Request for Consumer Protections and Disclosures Under the Truth in Lending Act. I have contacted the company that associated with settling out of court as stated in the contract and no response. The vehicle is non-drivable and been under repair for two years with ongoing issues.
06/15/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	PA 19018	Web
car was involved in an accident XX/XX/21. The car was deemed totaled by the insurance company on XX/XX/21. The insurance company contact Bridgecrest and myself contacted Bridgecrest to inform them of the situation. I have GAP insurance on the car. Bridge crest did not closed the account even when they received the check issued from the insurance company. Leaving the account passed due. I was also told by one of the representatives that I would be reported the Credit bureau because I was pass due which would lower my credit score and make it difficult for to get another car. I have all my paper work from when I first purchase the car, a record of all my payment and when the check was issued to Bridgecrest. Ive been waiting to speak with some about the this issue from Bridgecrest. I was told that XXXX XXXX was working on this account. His has yet to return my call.
03/12/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 30236	Web
We have constantly tried to get help from the lender. We stated that we had a hardship and loss our jobs due to Covid-19. We live in Georgia and care for an elderly parent. This is our only transportation. We called the lender today and they had advised us that the loan was charged off and the lender would not accept our payment. The last invoice that we received was XX/XX/2021 saying that we owe {$2200.00}. We called to make the payment on XX/XX/2021 and they stated that they would not accept the payment and the vehicle was charged off and will be repossessed. This is the first time that we heard about this. We did not receive anything in the mail. We have not received any help. They stated that they would help us but never did. They would advise that we make a payment then we could get help. We did make a payment with the promise to get help on XX/XX/2021.
02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 322XX	Web
My son, XXXX, purchased a vehicle through Bridgecrest ( XXXX XXXX ). I agreed to co-sign when the sales people at XXXX XXXX assured me that after 6 months my name would come off if he made his payments on time, which he did. He subsequently had an accident which totaled his vehicle. He had purchased GAP insurance through Bridgecrest at the same time he purchased the vehicle, so when it was totaled he stopped making the payments and his GAP insurance paid off the balance of the loan. At the time he totaled the car, I believe he was late on his payment. Bridgecrest is reporting that I was personally late on my son 's car payments. Had they notified me, I would have made the payment just as I had once before.. They will not correct the report to show that I was the co-signer, not the actual borrower. XXXX only accepts their version. This is wrong! Can you help me?
02/16/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NV 89002	Web
I purchased a XXXX XXXX XXXX from XXXX in XXXX. They arranged financing through their preferred lender, Bridgecrest. ( Bridgecrest is owned by XXXX XXXX XXXX, a XXXX, XXXX -based used-car dealer. XXXX was spun out of XXXX ) I made regular payments to Bridgecrest on the car and paid it off XX/XX/XXXX. I have not received the title and it has been over a year. I have contacted Bridgecrest, XXXX and the NV XXXX multiple times and have gotten nowhere. Bridgecrest states they have released the title twice. The XXXX states that the lienholder listed on the title is actually XXXX and they will not send the title to me with a lien release from Bridgcrest as they have XXXX listed as lienholder. XXXX refuses to address my concerns and instead insists it is the bank, Bridgcrest 's issue to resolve. I have a car that I have spent over {$25000.00} and no tile after a year.
01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30014	Web	Servicemember
I cosigned for a loan from Bridgecrest with my daughter in XXXX 2021. THe car was totalled in XX/XX/2021 and the insurance paid Bridgecrest over {$12000.00}. THe balance is to be paid by XXXX through a GAP insurance policy and Bridgecrest was aware of this. XXXX and Bridgecrest both are very slow processing payments and claims. Out of nowhere without warning, I received a credit alert that my score dropped more than 40 points for a 30 days late payment from Bridgecrest after they have received {$12000.00} from the insurance company. Bridgecrest is aware that the car is totalled and XXXX is processing the GAP insurance policy that was submitted XXXX XXXX, 2021. I am trying to refinance my home and this practice from Bridgecrest has hurt my family and I seriously during this time of Covif pandemic and I am a XXXX XXXX. I need my credit report fixed immediately.
02/25/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 77590	Web
I have accepted and returned all documents and negotiable instrument to Bridgecrest for the full amount due for my account. On XX/XX/2022 Bridgecrest sent back copies of all documents I sent dishonoring my payment. how ever they did not return my legal tender of payment via receipt pursuant to state and federal law a debt is a discarded specie of payment if not returned within a reasonable time. They are trying to induce me in to a fraud by paying additional " united states currency '' when the debt obligation is already payed in full and that according to the bill of exchange act a negotiable instrument is commercial paper that is also currency. Furthermore, their isn't money according to XXXX XXXX so I should not be forced to pay in debt notes under duress and cohersion when federal and state laws clearly state how to endorse and tender a payment lawfully.
03/19/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	OH 45420	Web
I paid off the lease in full on XX/XX/2018 and was advised that I should receive the the title in 4-6 weeks. I contacted the company on XX/XX/2018 to inquire about the title and they said I should have received it no later than XX/XX/2018 and if I had any additional questions to contact the title department. Every time I try to contact the title department there is an extended hold and I am told to call back. I have NEVER been able to speak to the title department and still have not received my title. I did not receive my title and waited an additional week prior to calling again. On XX/XX/2018, I contacted XXXX again and was advised that I needed to call back because they could not get through to the title department. I requested to speak to a supervisor and was placed on hold for 25 minutes and still did not get any additional information. I want my title!
05/09/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85339	Web
I've been contacting Bridgecrest and the credit reporting agencies for over a year now trying to get correct documentation to verify this debt, and even offered to pay them. I have not received any responses back over the past year. I gave them time considering the pandemic, but they have yet to respond. I'm attaching all of the letters including the certified mail return receipt notices from USPS. For proof I've also attached a copy of the XXXX XXXX XXXXXXXX So, since I have not received a response, the company and the credit reporting agency have violated my consumer rights and I would like to have this account removed from credit report with no balance owed, seeing as though I also offered to pay them. They also never put the account in dispute status none of the times that I've disputed the account, and that is a violation of my consumer rights as well.
05/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27203	Web
This is with regard to erroneous information that you has been reporting to XXXX regarding the XXXX XXXX account. First, you are reporting it as a repossession when, in fact, it was a voluntary surrender. Second, you also re-aged the account to make it appear as though the repossession had recently occurred, which had a negative impact on my credit file. This car was turned in back in XXXX and it is STILL reporting to my credit which it should not be. In accordance with the Consent Order # XXXX, Section V ( Conduct Provisions ), Paragraph 61.g.iv, issued by the Consumer Financial Protection Bureau , you are required to remove this information from my credit file with Equifax. It is showing the last paid payment is from XXXX and i did not even have the car in my possession since XXXX. The information of my credit report is false and needs to be removed.
03/22/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 78253	Web
The collection for an auto loan that I had was originally with XXXX XXXX XXXX. They filed a judgment against and we went to court on XX/XX/XXXX. I was able to make payment arrangements with them and have kept to the terms agreed upon since XX/XX/XXXX. I called XX/XX/XXXX to get a copy of the payment terms that we agreed upon so that it could be reported on my credit report accurately and they informed me the debt is now with XXXX XXXX XXXX. However, the debt is still be reporting to the credit bureaus by XXXX. I have attempted to get XXXX XXXX XXXX to provide the correct payment terms and balance and they keep telling me they do not have it. I have called XXXX to get it and they keep telling me that XXXX has the debt now. I just want to have the debt reported correctly on my credit, with the balance reported accurately and the correct terms reflecting.
10/21/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	GA 30062	Web
My debit card was stolen from my workplace, the thief has all my personal information including driver 's license. XXXXbridge cre st tel number XXXX XXXX AZ was notified to cancel a pending transaction. They refused, I spoke with two people XX/XX/XXXX Monday morning, that they did not verify the payment my card was stolen that night. They refused to cancel payment or even tell me who paid for their car XXXX XXXX XXXX on XX/XX/XXXX. I gave them the exact time the transaction was done and the amount of {$500.00} was charged. They did not help at all and they are worse than the thief. XXXX cash-Merchant. Description XXXXBRIDGECREST should be penalized for allowing its customers to use stolen cards to make payments. Please call them to demand they give you an account of the person who made payment for their car with an account ending in XXXX at XXXX XXXX.
02/19/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60462	Web
This is a continuation of CFPB Complaint XXXX As of today, XX/XX/XXXX Bridgecrest HAS NOT provide the Title for my vehicle to XXXX XXXX XXXX XXXX. XXXX XXXX is still waiting for the Title from Bridgecrest. XXXX XXXX XXXX XXXX did confirm on XX/XX/XXXX that they received the Lien Release on XX/XX/XXXX but have not received the Title as I requested in XX/XX/XXXX when I sent the payoff check USPS Certified Return Receipt. Bridgecrest HAS NOT RESOLVED THIS ISSUE. They need to send the Title to XXXX XXXX XXXX which is NORMAL and CUSTOMARY when a loan is refinanced with another institution. As Bridgecrest was the original lender when I purchased this vehicle, and are the only party that ever had a copy of the Title in my name, they need to provide the title to XXXX XXXX XXXX XXXX as I requested in my USPS Certified Letter mailed XX/XX/XXXX. Copy Attached.
02/26/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NJ 07724	Web
XX/XX/XXXX I lost my job due to Covid. I made payments still until things got a little harder to manage. Ive been paying on my car for almost 4 years without no problems until Covid. By XX/XX/XXXX after XXXX my car was repossessed because I was 3 months late on payments. I paid for my car back. I was hoping they would understand the financial struggle people are having. Instead they closed my account. In which I had already paid off the bank loan but now Im just paying off what left for the vehicle its self. They dont honor their customers. They definitely should be reporting to the XXXX XXXX XXXX. I dont like the report that was left on my credit report from Bridgecrest XXXX The account shouldnt be closed because Im still paying them and Im in possession of the car which is a XXXX XXXX XXXX. Plus Ive paid nearly 75 % percent of the loan off. Unfair.
04/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Received unwanted marketing or advertising	TN XXXXX	Web
I have been told to send my situation to you. The problem is I had to default on an auto loan. Within a week of the finance company, BridgeCrest, reporting to me credit bureaus, I started receiving phone calls from solicitors several times a day. I used an email address for this loan that I only have used for 2 other contacts. I also started receiving spam emails & emails that contain inappropriate content. I have followed all the information to get these things stopped, with no avail. I just know that BridgeCrest released my private information to be used by these companies. Every time I receive a phone call, I do not answer & block the number. They call from a different number. I have over 70 phone numbers blocked and just deleted them in the beginning. I am looking for information to report BridgeCrest and the agency that calls me 2-3 times a day.
10/13/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	MO XXXXX	Web
There was a total loss of the car in XX/XX/2023. The insurance company paid the balance off in full in XX/XX/2023, I also made my regular payment in XX/XX/2023. Bridgecrest reported me thirty day late when there was never a payment late over thirty days. My payments were made in full. They also received a refund from my warranty and service package purchased in XX/XX/2023 that they requested and applied towards my principal. I have also requested multiple times if there is a refund due to me and this company refuses to inform me as I know there is, and have not sent me my excess funds due me. They keep telling me to call back. There is a lot of fraudulent activity taking place there. The total loss department you can not even get on the phone. It should not take over 90 days to correct my credit report when it did not take 90 days to mess it up.
08/21/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33612	Web
Hello and To Whom It XXXX Concern, I had bought a vehicle from XXXX in XXXX of 2019. My loan was the lender Bridgecrest XXXX. I had made regular payments and extra payments through XXXX of XXXX it was illegally repo for allegedly failing to make payments. It was impounded and I was told I would have to pay for it from the Auction company copart. I was not able to and the lender has put this on my record as a repo and continually harassed me to repay the debt. I have included copies of all the payments that were made and correspondence from Bridgecrest XXXX, I do not know if I should take them to court or how to proceed it is very discerning because this happened at a time during the pandemic when it was difficult to find a lawyer, many agencies were closed and this has severely hurt my finances. Thank you for investigating this matter for me.
01/09/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 27587	Web
This car was purchased on XX/XX/2016 which was by my ex- husband. At the time of the purchase we were divorced. I NEVER consented to this purchase. I have reached out to XXXX XXXX or Bridgecrest several times ; however they refuse to remove me from this loan. I have reached out to XXXX XXXX to get the original documents with the real signature ; however all they have is the digital copy which is complete fraud. I have attached the divorce documentation as well as a copy of the digitally signed purchase agreement that I was able to get from XXXX XXXX. In order to keep holding me accountable ; I need the original documents with my signature ( which they will not find ). This should be removed my credit file ( which is not in bad standing ) if they can not prove that I walked into XXXX XXXX and physically signed this document ( which I didn't ).
03/27/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 363XX	Web
I purchased a vehicle from XXXX and was Financed by BridgecrestXXXX, I traded vehicle in and the loan was paid off. I also purchased extended warranty and GAP insurance thru them and are due a refund of those monies ( prorated ) as I only had the vehicle for 8 1/2 months. I have been attempting to get a Letter of payoff from them and they keep transfering me to different departments The letter of payoff is required by their extended warranty company ( XXXX ) for me to get my refund, at this point after two weeks of attempting to get the letter sent I have had no luck in receiving it. First was told to wait 10 days before making the attempt to request the letter, and after doing so have gotten a run around in contacting someone to send to me. I have followed all their rules and policies to get this situation resolved and has been to no avail.
09/23/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 432XX	Web
I received a loan through XXXX and thus through Bridgecrest for financing of a XX/XX/2021 XXXX XXXX. I did not receive a statement in the mail for this and when i went online I was unable to find a statement. I contacted Bridgecrest customer support and was first told they do not provide statements and they do not mail as they are all online. I said this would most likely be a violation of 12 CFR 1026 and was directed to another agent who first told me that they did not do statements, then told me they emailed me one on XXXX XXXX. I pulled up the email and it was a reminder my first payment was coming up but there was no statement attached. I was put on hold and then the agent came back and said i would receive statements in the mail and that i would be emailed the current statement for my payment due and I was never emailed that statement.
01/23/2019	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CO 80112	Web
We have a customer by the name of XXXX XXXX XXXX who refinanced with us back in XXXX. We sent the Power of Attorney forms to Bridgecrest along with the payment of {$28000.00} for the XXXX XXXX XXXX he financed with us. Everything has been finalized and it has been now 3 months and Bridgecrest is trying to hold the title back from us and even tried to send us our money back after they already cashed it to force Mr. XXXX to stay with them to take the car back. This is not attainable for the simple fact that he has his loan tied into one of our client 's, Bridgecrest is now legally obligated to send us the title regardless of what matters they have with Mr. XXXX or contract. They have been sent payment for the car and once accepted even if they send us a check, that is on them to give us the title for the vehicle. The vehicle VIN is XXXX.
09/14/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 79705	Web
Bridgecrest refusal to supply complete validation request ( supplying only contract in question ). Contract not bearing my signature nor have I been provided detailed information request showing confirmation of esignature as well as other requested documentation to be send via MAIL. Notice of Dispute have not been reported correctly to CRAs and continuance of inaccurate reporting. I have requested particular transcripts that I have not been supplied with as well as I have not been supplied with security asset filings as requested. I have attempted to reach out to specialist that handles these matters with no response ( XXXX XXXX XX/XX/XXXX ). I have sent certified mail for these request starting ( XX/XX/XXXX ) with no answer to certified letter request ( validation of account, notice of dispute, cease and desist of defamatory actions )
03/17/2022	No	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30318	Web
Bridgecrest Credit Company LLC XXXX I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business in my state. Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed
10/31/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	DE 19901	Web
The XXXX XXXX XXXX I financed has an Oil Consumption Recall. This information was not provided to me when I financed the vehicle in XX/XX/XXXX. The car has turned off on me while driving, it has burned oil to the point where I'm driving with no oil. I have to add oil to the car every 2 weeks, even after I get the oil changed. The main issue is that the engine will eventually fail. I took it to XXXX dealer to get it checked and they said my warranty is expired and I will have to pay out of pocket. ( the car has XXXX miles ) I am driving this car and feel unsafe. I plan on turning the car back to the dealer. I was told by the finance company I will owe the remaining of the loan once I return the car back to the dealer. I don't think it's right that I have to pay a car loan that has so many issues and XXXX refuses to fix the problem.
01/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60406	Web
On XX/XX/XXXX I traded my XXXX XXXX XXXX for a XXXX XXXX at an authorized XXXX dealership. Upon the trade the dealership was suppose to pay off my old car. My financing company for the XXXX began calling me about late payments which confused me because the car should have been paid off in full by my new financing company. I was in full communication with both companies for weeks about this error and was assured this should not affect my credit. The new financing company corrected their error and paid the car off but not before negative reports were made on my credit report. The new financing company made a big mistake when it came to my trade. I was in full communication and cooperation with both companies and feel there was nothing I could have done differently so the negative report and credit score reduction should be corrected.
02/25/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 245XX	Web
I bought a car from XXXX 5 years ago used that said it was accident free. That was a lie. Nobody helped! I was always on time with payments then Covid hit so I had kept up with my arrangements because my business was closed down. I have literally been paying them weekly. There was no notice of repo. They reported to the credit bureau that I voluntarily surrendered the car which I due not then they took it made me pay XXXX to get it back then charged it off at XXXX which is not what I owe. They are adding all these late fees and other unknown fees to rob people. How can you charge off a vehicle at a price they dont owe and threaten them if they are a day late theyre coming to get it again. I still have the loan and the car. But my report states they charged it off. Now I can not get the medical care I need to possibly save my life.
01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35215	Web
under 15 USC 1681. Account name : bridgecrest acct # XXXX Account name : Bridgecrest acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
08/02/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 152XX	Web
We enrolled in autopay for a used car loan from Bridgecrest on XX/XX/2018 for a car loan with the first payment due on XX/XX/2018. The company website set the first payment for XX/XX/2018 without making us aware that it would mean that the first payment would not be made. They called me when the loan was past due and said that they couldn't autodeduct the payment because there is a 2 week delay after signing up. Then they charged me a XXXX fee for paying over the phone by checking account. All information they had in the autopay registration from XX/XX/XXXX. This practice must be to gain extra fees and interest from late payments because it does not take 2 weeks to set up an autopay and even if it did the registration process should state that the payment will be late and provide alternatives to make the payment by the due date.
02/10/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 31206	Web
On XX/XX/2023 @ XXXX, I spoke to XXXX and he stated that the car resold at the XXXX XXXX for a little on XXXX XXXX dollars. I requested the original contract, payment history and proof of payment ( mines and when the car was sold at the auction ). I also emailed the request on XX/XX/2023. I made a phone today ( XX/XX/2023 ) and spoke to XXXX with the " legal department ''. He stated that an automatic email was sent to me on the XXXX of XXXX stating to call them. Which i did not receive. I asked him could he send me a screenshot of just the date and time that he see of the email that was sent to me and he refused. Since I requested this information on XX/XX/2023, I have not received any phone call, text message, email, nor mail about this account since my request and now it violates my rights since it have been over 30 days.
08/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 280XX	Web
The purpose of TILA is to provide clear and conspicuous disclosures and credit terms for Consumers. the information isnt correct regarding my disclosure about the amount financed. Therefore let it be known I am disputing the validity of my contract and the terms. See Itemization of Amount Financed Sheet ( aa ) Amount Financed ( j+y-z ) does not equal the amount stated {$29000.00} on the consumer contract. If j= {$28000.00} and y= {$4000.00} and x= {$0.00} then the amount I knowingly agreed to or signed for is incorrect. Therefore it is my understanding that all the numbers are off if we are going by this incorrect information that was set forth. The numbers are off and are not adding up. Please provide your clarification and your explanation to this disputed information. And explain how this discrepancy occurred to begin with.
04/15/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	SC 29681	Web
Bridgecrest Acceptance Corporation has violated the law and has been deceptive. They did not follow The Truth In Lending 15 usc 1601 and have been lying about the finance charge 15 usc 1605. They are trying to collect cash in a consumer credit transaction with a finance charge involved. I even asked them to validate the debt 15 usc 1692g because in the initial communication they did not and they still have not. I also neve. I have let them know about their violations with a affidavit. They did not rebut the violations but just claimed they felt like they did nothing wrong, instead of thoroughly investigate the matter. Now they are threatening to take my car illegally. So now I will send a last affidavit stating these violations, a exhibit, and a final notice. I just want them to respect my consumer rights and the federal law.
11/02/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	IA 50125	Web
In XXXX I received a charge from XXXX XXXX on my XXXX XXXX credit card. I do now have an account with XXXX XXXX or their finance company BridgeCrest. I called numerous times and was not able to get anywhere until I made a complaint with the CFPB. I was contacted by XXXX ( no last name ever provided ) and was asked to send a copy of my credit card bill and a police report. They opened a log XXXX. XXXX called me back saying they 've completed their investigation and refused to provide me the resolution. She will not provide me an answer to 1. How did this happen ( phone, online etc ), 2. What kind of transaction this was, and 3. How will they prevent it from happening in the future. I have already contacted XXXX XXXX and the charge has been reversed but XXXX XXXXBridge Crest has refused to provide a resolution on their end.
08/21/2021	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 06082	Web
Bridgecrest finance has received a payoff check from my insurance company and the gap insurance company but refuse to correct my account. Erroneous reporting in XXXX of 2021 ( when the loan was paid ) has resulted in negative credit reporting essentially ending my ability to purchase a home. They have blamed backlogs for the 3 month process of simply getting the checks applied to my account. The company at first claimed to not have received the checks, then after cancelling them and reissuing, they applied the first set of checks and then removed all payments including approximately {$2000.00} in payments that I made so that they would not continue reporting my account negatively to the credit agencies. I have escalated this matter to an EVP in their customer relations department and after two weeks it is still not resolved.
04/16/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 20121	Web
I have an auto loan with Bridgecrest. I have set up an account to manage my loan. However, their website does not show the loan balance, how/when my payments are applied so that I can readily see this information. It only shows a balance. Shouldn't I be able to se the start of my loan, when payments are applied and the current balance all at the same time? When I emailed them about this, I was required to all about this and I was advised that the only thing they could do was provide me with a loan payoff balance. This doesn't do me any good. What if I make extra payments and what this applied to the principal only ... ..how do I verify this? Why do I have to call them everytime I want this information and be told it will take 24-48 hours to get this information sent to me. Doesn't this violate some Truth-in-Lending statute?
05/07/2020	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	GA XXXXX	Web
I Sent Bridgecrest a letter Of Validation On A Account They Trying To Collect On Over 30 days Ago ... .Bridgecrest respond to the letter With A COPY OF A CONTRACT which Is Not What I asked..I Was Asking Them How Did They Come Up With The Extra Money They Trying To Collect From Me .... ( I Will Enclose A copy Of The Sample Letter I Type Out ) ... .They Didnt Do Anything I asked Of Them INCLUDING DO NOT CONTACT ME BY PHONE ... I Asked Them To Contact Me Through Mail ... They Cant Prove To Me Where This Money Coming From, This Car Is PAID IN FULL, I Begging Them For Proof Of This Money They Saying I OWE ... They Reporting Two different Totals {$3.00}. & XXXX. On Different Credit Bureaus ... But wont send me anything saying How This Possible..They Violated By Calling Me Repeatedly When They Were Asked NOT TO CONTACT ME BY PHONE
06/03/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 20723	Web
Hello I bought a used car at XXXX in XX/XX/2016 I have paid it since that time and it is about 3 years and 10 months. My credit score was low so I had to buy it with high-interest rate. Anyway It is a monthly amount is about {$460.00} but I have still my pay off balance is higher than original loan amount. I could know it I requested a payoff amount couple months ago. I shocked because I could not know daily interest charge every day but I didnt hear the daily interest when I sign the document. It is obviously scam loan and loan comapny name is Bridgrcrest. When I buy the car , drive time staff purposely let me waited a long time ( 3hours ) for ready for signing a document, to make me tired after the downplay the money. I think it is their plan that buyers lose pay attention for the rate. this company is a scammer.
02/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IN 46410	Web
Bridgecrest has been the company managing my auto loans from XXXX. I purchased a vehicle and traded it in a few months later. Bridgecrest sent a paid in full letter for my XXXX XXXX XXXX once it was completed. The new vehicle, a XXXX XXXX from XXXX, had an engine issue and XXXX agreed to swap the vehicle for another. I now have a XXXX XXXX. Bridgecrest has failed to mark the loan from XX/XX/XXXX as paid in full across all bureaus. They are killing my debt to income ratio AND credit score by reporting that I have 2 auto loans totaling about {$80000.00}. This is FALSE! I only owe for the them for the XXXX XXXX! As of XX/XX/XXXX, I keep getting MyXXXX alerts that I have a new account with Bridgecrest. Screenshots attached below. On XX/XX/XXXX : XXXX trade-in XXXX XXXX Paid off on : XX/XX/XXXX Check amount : {$31000.00}
08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79705	Web
Under 15 USC 1681 XXXX/Bridgecrest, has violated my rights and in violation of The federal Truth in Lending Act ( TILA ) 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
08/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80205	Web	Servicemember
I have been on autopay for months. I received an email stating that my payment was returned due to nonsufficient funds, which was never the case since I can demonstrate that my bank account had plenty of funds for the payment. Additionally, I reached out to my bank and they stated that an electronic payment request was never submitted by Bridgecrest. When I called customer service ( twice ), the only thing the reps told me was that my payment was 'unable to locate. ' A short time later, I received a text message and email that my payment was made successfully. However, I noticed that my payment was not withdrawn from my account so I tried to make my payment online. At that time, I noticed that my bank account was missing from my account. There is an issue on Bridgecrest 's side and I can't get any information from them.
03/25/2022	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33183	Web
On XXXX XX/XX/2022 I sent the pay off final payment of {$2500.00} from my XXXX XXXX XXXX checking Account to Bridgecrest Credit after almost 6 years of excellent record of monthly payments. I forgot to cancel my automatic payments to Bridgecrest so an extra payment of {$430.00} was sent from my account to Bridgecrest on XXXX XX/XX/2022. Since them i have called Bridgecrest several times ( More than 6 times ), XXXX, XXXX are some of the names they gave me as representatives. I have sent several emails to two different departments regarding this matter and asking Bridgecrest to refund my money back, because that money was sent by mistake and do not belong to them There is no answer from Bridgecrest, they still holding my money and i dont see any intention of good will from their side to return the money, i feel robbed
11/27/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33351	Web
I got a loan with this company in 2018 and my payments were gon na be around XXXX with a apr of XXXXhis was a XXXX dollar car afther I wouldve paid nearly XXXX on the car .I was unemployed due to Covid and could make the payments .The car was repossessed on XXXX XXXX .The agent stated that their was notices sent to my house in regards to this .The agent was lying because I changed my address to the correct address before they even repossessed my car .I also know the people who live at the previous address they are my cousins .I stated I want all this documentation to sent to my house in regards to this matter because I wasnt informed after the repossession about getting my belongings or anything XXXX wasnt even informed about the auction .This company charge a interest rate of XXXX when the lXXXX rate is XXXX percent.
05/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92392	Web
On XX/XX/2018my vehicle was broken into at my place of employment. The individuals stole my purse which contained my drivers license, social security card, and store credit cards. I immediately called the police to file a report and closed my accounts. Unfortunately on XX/XX/2018 the individuals that stole my belongings, purchased a vehicle online through XXXX using my information.The vehicle was delivered to these individuals. I have called numerous times and have contacted their legal department via email as well. I have sent them my police report and they have actually been in contact with the detective on my case. The individuals that have stolen my identity to purchase this vehicle have been arrested and are currently in jail for this crime, yet XXXX/Bridgecrest refuses to take this vehicle off my credit report.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 322XX	Web
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated by how is that possible if the Bridge Crest Company has not provided the necessary documents under the law of the State of Florida UCC code 679.01. and state RISA and MVSA statutes deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a can not without my written instructions. Also, the Credit bureaus took more than 30 days to complete my investigation certified mail tracking #
11/29/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MD 21227	Web
Once the account is a day late ( which is not every month ), I will start to get phone calls from Bridgecrest each day until the payment has been made. I don't pay the car note, but I do know it is never 30 days late. I have asked them not to call me and to call the other person that is on the account that is making the payments, but they continue to call. I have asked them numerous times to not call me and to only contact me by email, but they still call. I will receive three calls and voice-mail a day until I answer the phone. They will continously call me until they receive payment or a postdated check. The last call, the representative tried to use deceptive practices by telling me each time we are late there is a {$9.00} charge after the due date. That is a lie, as we have never been charged a {$9.00} late fee.
03/16/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30044	Web	Older American
I sent a good faith letter in XX/XX/XXXXXXXX asking Bridgecrest to remove a couple of 30 day late payments. I was denied. I also asked them to correct late payments placed on my credit report that was paid on time as of this time it has not been corrected. A few days ago XX/XX/XXXX Bridgecrest had my XXXX payment listed on my credit report as 30 days late. The payment was due on the XXXX and I paid it on the XXXX that was 11 days late and not 30 days late. I also sent them documentation from my bank on three other occasions were payment were made on time or before time and it was not corrected. Three payments from last year and prior years on my credit report has not been corrected with the bureaus and they are incorrect. This causes high interest rates on credit cards, high auto insurance, and low credit scores.
09/19/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	VA 22003	Web
Bridgecrest XXXX loan account number XXXX was paid off on XX/XX/2022. Three times payments on XX/XX/2022 for pay off. Payment confirmation numbers XXXX, XXXX and XXXX. Everything paid off, bridgecrest cheated US Consumer Financial Protection Bureau and client XXXX XXXX who has waited notarized Lien release letter, Bridgecrest provided non-notarized lien letter which is not valid at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX. Office staff of XXXX : XXXX XXXX XXXX wants them electronically release lien but they dont cooperate with government agency and they dont pick up phone call. We filed a grievance to consumer protection bureau. We will make a note in the system. If bridgecrest doesnt cooperate with consumer protection agency XXXX congressional investigation will initiate right away. XXXX
08/11/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	MI 48237	Web
XX/XX/2020 I contacted Bridgecrest requesting new payments dates because I got a new position and my pay schedule was changing. I was informed that because my loan was new I had no options XX/XX/2020 I contacted them to see if I could get adjustments so that my credit score would not be negatively affected they said they could not help me. XX/XX/2020 I contacted bridgecrest again by phone and I was able to catch my payments up. I asked for review of the two missed payments reported and they said they could do anything about it. XX/XX/2020 I wrote a letter asking to have the payment history adjustments ; no response from Bridgecrest. With the shock of the nation and COVID I have maintained a good payment history for majority of this loan. I believe that my payment history on my credit report should show that.
12/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30022	Web
I contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a violent car jacking in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted
04/21/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	CA 90274	Web
On XXXX XXXX, 2021 I notified Bridgecrest that they open loans without my knowledge or authorization. I informed them that I was a victim of Identity theft. I received a letter from Bridgecrest on XXXX the XXXX, 2021 requesting police report, notarized identity theft affidavit, government issued ID and my social security card. I sent certified a letter on XXXX XXXX, 2021 with all the information Bridgecrest asked for. I received the same letter from them on XXXX XXXX, 2021 requesting the same documents. I sent another certified letter on XXXX XXXX, 2021 with police report, notarized identity theft affidavit, government issued ID and my social security card. I have not received a release of liability for the fraudulent account. I will be certifying and sending all the documents to Bridgecrest on XXXX XXXX, 2021.
09/12/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 21060	Web	Servicemember
I contacted Bridgecrest about my payments being applied in a misappropriate manner. Bridgecrest does not apply any overpayment money to the principal balance. My vehicle loan is less than {$490.00} / month. I typically pay {$700.00} and want the remaining {$200.00} to go to the principal balance. The automatic payment system makes this impossible. I have to contact an employee at Bridgecrest to have the {$200.00} go toward the balance. I was informed that this was because " ... if I ever missed a payment. '' I believe Bridgecrest is mishandling payments and causing me to pay additional interest on my vehicle loan. I was able to get Bridgecrest to apply 6 months of the {$200.00} to the loan principal balance, but they can not apply any payments over 6 months to the principal balance according to Bridgecrest.
08/15/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA 17403	Web
Due to Covid I fell behind on my payments which I had a good payment history with Bridgecrest prior to Covid and getting sick 3 times with the virus. I called to ask Bridgecrest for assistance. Instead of lowering my payments or deferring them, they pushed the payments to the back of the loan. My car was repossessed around XX/XX/2023. I had to pay {$1100.00} XXXX and Bridgecrest made me pay once a month instead of biweekly on the XXXX and threatened that if I missed a payment they would repossess my car again. I never received any documents regarding the repossession. I was sent an email after I made mention of no documentation regarding the repossession. I never agreed to change my biweekly payments. I feel I was forced under duress concerning the terms of receiving my vehicle back from the company.
05/29/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA XXXXX	Web
I purchased a car from XXXX XX/XX/XXXX. At that time I set up auto pay for my loan. In XXXX of the same year, I started getting calls from my salesperson re : the need for additional bank statements. XXXX is the bank, so I called the bank and they stated they needed no further information. I have made no late payments, but they reported me late XXXX of this year due to XXXX XXXX reversal of all duplicate payments. I called numerous times to resolve the discrepancy to no avail. Just this month I paid my payment at XXXX. I gave them the account # XXXX, given to me by the collections department this past XXXX where they also had me pay several late payments. I learned this month that thst is not my account # at all. My account # is XXXX. No payment history has been provided to me as requested.
11/18/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	AL 359XX	Web
I paid the entire balance of my auto loan on XX/XX/20. Bridgecrest told me I would receive the title in 4-6 weeks. I have contacted Bridgecrest several times since then, and they will not give me the status of the title transfer. Today I called my state 's motor vehicle department, and they have not even received the title application. The car was stolen then totaled, and I can not receive payment from my insurance company until I send them the title. I have been without my car for almost two months, and Bridgecrest has caused delays every step of the way. This is my third complaint against them. I even told them I would file a complaint if they didn't give me the status of the title transfer, and they don't care. They don't respect the CFPB. They don't even attempt to provide good customer service.
11/19/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 322XX	Web
I received a " notice of default right to cure '' letter on XX/XX/2016 threatening me and demanding payment by the XXXX or further action may take place. The funny thing about this letter is that it 's dated on XX/XX/2016 but it says that I 'm past due on my XX/XX/2016 payment. I 'm not a lawyer but I 'm sure that you 're not supposed to send a notice of default if a person is not in default right? Another funny thing about this letter is that it showed up 3 days after I filed my other complaint against this company on XX/XX/2016. It 's strange how this threatening letter just popped up. I really regret that I ever did business with this company and took out an auto loan. It has really turned out to be a decision I deeply regret. I really want this contract cancelled and I want to be done with them.
11/26/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92084	Web
My cosigner declared bankruptcy and my loan company stopped reporting the payments I'm making on my loan to the credit bureaus. I am the owner of the account a still making the payments and account is in good standing. I spoke with them, and they keep telling me that they stop reporting once a bankruptcy has been filed. I said that I did not declare bankruptcy and they did not notify me that my cosigner did and said that there is nothing I can do to get my loan back on my report. because they removed it, my score dropped by XXXX points even though I'm still making the payments. I'm making the payments but they're not reporting it and the fair and accurate credit transaction act is not being followed. I have no documentation because I was never formally informed that my cosigner declared bankruptcy.
11/16/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46219	Web
My account with Bridgecrest was paid in full and closed on XXXX with a perfect payment history. I have disputed the inaccurate information that Bridgecrest is reporting to XXXX, XXXX and XXXX. Both XXXX and XXXX dispute results stated that Bridgrecrest replied that there information was reporting accurately on XXXX with a balance due of {$26000.00}. This is a violation of the FCRA as Bridgecrest is clearly reporting inaccurate information. I have proof that Bridgecrest received the full payoff amount on XXXX, in fact Bridgecrest owes me a small refund. I send an email to Bridgrest requesting that they correct there inaccurate reporting to the credit bureaus and they basically said to go kick tires. Something needs to be done to ensure accurate information is being reported to the credit bureaus.
03/15/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89012	Web
My insurance company deemed my vehicle a total loss. A payoff check was issued by XXXX onXX/XX/2021February. It was never applied to my account, I was told it wasnt received. A check was reissued on XX/XX/2021. It was received by Bridgecrest onXX/XX/2021. I was told on XX/XX/2021 that it would take about 48 hours to post to the account. I called on the XXXX and was told to call today XX/XX/2021. I called today to follow up and this time I was told that they dont apply payoff checks to accounts until theyve cleared and that it should post by the XXXX. This doesnt make any sense at all. They have continued to report to all 3 credit bureaus and interest is still accumulating on the loan even though I was told it would not. I have sent multiple emails between mid XXXX and now without any resolution.
07/23/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32607	Web
On XXXX XXXX, 2017, I took a loan from Bridgecrest Acceptance Corp for a initial loan amount of XXXX for 65 months at 23.835 % with monthly payments of {$460.00} due on the XXXX of each month. The loan is simple interest. I have made two payments on X/X/2017 and X/X/2017, though the no portion of the payments are being applied to the principal. My account account with Bridgecrest still reports the original balance owed as well as my credit report though reports two payments made, but also reports the original balance of XXXX after two payments and based on simple interest amortization with payments being made before the due date, the balance should be reduce by at least {$200.00} but it not reduced and lender states that I owe the full amount with explanation or responding for further inquiries.
09/29/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	GA 30127	Web	Servicemember
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose. 15 U.S. Code 1681 - Congressional findings and statement of purpose \| U.S. Code \| US Law \| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1666b - Timing of payments \| U.S. Code XXXX US Law \| XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX
04/13/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32506	Web
I lost my job due to the COVID 19 pandemic which left me without an income coming in. i called Bridgecrest 6 or 7 times to see if they can help me in anyway so i could keep my vehicle. i explained to them i dont have an income coming in so i wont be able to pay the loan payment every 2 weeks. they explained to me and said they arent helping anyone that had been affected from this. but on their website it says they are. i ended up having to do a voluntary repossession on my vehicle. i tried to get them to just push my payment back 1 month and they said there was no way they could. now, when i go back to work, getting there and back will be an issue. and getting a new car will be an issue because the repo will drop my credit score tremendously, after ive worked so hard to get it to where its at.
11/13/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 064XX	Web
Attempted to modify an auto pay amount on an auto loan. Was told I had to un-enroll the current plan in order to re-enroll for a new amount. After un-enrolling the previous plan I attempted to re-enroll at a higher amount at which point I was only given the option of starting the auto-payments two years later ( I had already paid ahead at this point. ) If I wasn't careful I could have potentially skipped multiple payments and accrued quite a hefty amount of interest. This is incredibly deceptive practices on the part of Bridgecrest as most borrowers would likely think it's their lucky day and not realize the deception that had occurred since they were not given the option to set their payment schedule up to pay ahead ( and would not have known this before cancelling the current arrangement. )
11/10/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	PA 195XX	Web
The company violated a lot of usc codes. They did not tell me when I got the contract that I have the right to rescind. I tried to negotiate my contract with that after they repossessed my vehicle. They have discharge the debt and closed the account according to the credit bureau. So if they closed the account how are they able to collect the debt when they get it written off at tax time and I have to pay taxes on it when I get the 1099 c form. Thats not fair. They violated these laws and codes : 15 usc 1635 15 usc 1662 Truth and lending act According to 31 usc 5322 the law states that each violation is 1000 dollar fine. Also violating 15 usc 1692e ( 4 ). Threat of repossession is fraud and illegal in the collection of any debt. 15 usc 1692f unfair practices 15 usc 1692j 15 usc 1605 ( a )
07/06/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	PA 19013	Web
I recently got into a accident & my vehicle was a total loss I purchased my vehicle through XXXXXXXX XXXX for XXXX used XXXX XXXX XXXX on XXXXnow that my vehicle insurance has covered all cost of my vehicle the lender which is BRIDGECREST has been giving me false information everytime I call about why the account isnt closed out yet I have proof that they are holding the money that was wired to my online account & not posting it for weeks I have proof they have changed the dates on all of the payments received by my insurance companies now that all of the money is posted to my online account they are saying its not posted yet but I can see it on my end Ive asked to speak with a supervisor or someone in charge theyve told me almost every time there not here today. Ive always paid on time.
06/24/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27215	Web
I have an auto loan originally financed through XXXX, which was then sold to Bridgecrest. Bridgecrest does not provide detailed monthly loan statements on their website nor will they mail out a detailed statement. I have to call them and request a statement every month, then they merely email me a " transaction history '' for the loan which does not break down any of the loan terms. I have no way to verify they are charging interest as agreed upon with the initial loan contract or that they are applying my payments to principle on the simple interest schedule. I feel very insecure about this process and wish the information for my loan was provided to me in a detailed statement monthly. This is the first auto loan I have ever had that withheld information from the consumer in such a way.
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 490XX	Web	Servicemember
I reached out to Bridgecrest to notify them that I would be late on a payment due to a personal emergency I was going through. I called XX/XX/XXXX and XX/XX/XXXX. The rep that I spoke to assured me about 10 times that I would not be getting a 30 day late notice on my account. Today I woke up to a 30 day late notice on my account. I am in the process of trying to buy a home and this has destroyed my credit score. Bridgecrest falsely informed me that I would NOT be getting a 30 day late notice. The representative I spoke to today said she listened to my calls and it seemed like a miscommunication on the reps end but refused to remove the 30 day late notice from my credit report. I asked for the call to be sent via email for proof that they lied to me and I was told I needed a subpoena.
02/27/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30052	Web
I have an auto loan with XXXX XXXX ( now Bridgecrest ) that I opened XXXX XXXX, 2014. I am current on my loan. I will soon be unable to keep up with my loan due to my current financial circumstances. I do not want to fall behind, or have my car repossessed. I have asked Bridgecrest if they would refinance my loan so I could have a lower payment, but was told they do n't refinance. Selling, or trading-in, my vehicle for a better loan is not even an option. After paying for 2 years, I still owe twice the value of the car. I ca n't " give the car back '' or " walk away '' without owing the difference, and/or having a terrible impact on my credit. Now, I am stuck with a car loan I am going to soon be unable to pay, and I ca n't be without a vehicle. How can I get Bridgecrest to help me?
08/26/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	TX 79705	Web
Company in violations of consumer protection laws : Including fraudulent finance charges which were sold to Bridgcare Acceptance from XXXX Truth in Lending Act ( TILA ) : This federal law requires creditors to make certain written disclosures concerning finance charges and related aspects of credit transactions and comply with other mandates 2.Fair Credit Reporting Act ( FCRA ) : This federal law regulates the collection, dissemination, and use of consumer credit information 3.Fair Debt Collection Practices Act ( FDCPA ) : This federal law prohibits debt collectors from using abusive, unfair, or deceptive practices when collecting debts 4.Consumer Financial Protection Act ( CFPA ) : This federal law prohibits unfair, deceptive, or abusive acts or practices by financial institutions.
08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38128	Web
Bridge Crest financial is reporting on my consumer report. I never received a letter from them asking if they had permissions to report this on my consumer report. I find this to be a violation of my rights and fair credit reporting as a consumer I have the right to what is reported on my credit. This has kept me from purchasing a XXXX as I am a XXXX trucker who is desiring to own my own truck. For the betterment of my family welfare. Under section 1604 ( 15 U.S.C.1681b ) Im requesting that this account be removed from my credit report immediately. I have proof from XXXX that call me and stated this is on my Report and I could not purchase until this is taking off. My name is XXXX XXXX, ss # XXXX address XXXX XXXX XXXX XXXX tn again please remove this from consumer report.. thanks
09/11/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 223XX	Web
This company, Bridgrcrest calls multiple times a day harassing me constantly. They do not stop. They use the tactics to intimidate and scare people into agreeing to payment plans that are not attainable. They have also called my family, who are not on the loan stating that they need to speak with me about an important business matter. This goes on ALL DAY LONG. I am sick of them harassing and trying to intimidate me. This should not be allowed. I am asking the Consumer Financial Protection Bureau to step in and investigate this company and their collection tactics. Im not even a month behind and they call me, my mom, and my sister ALL DAY LONG. We block the number and they call from another toll free number. Ill be happy to show all of our phone logs to prove their illegal practices
10/31/2022	No	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AR 72076	Web
I have a loan with I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. BRIDGECREST XXXX XXXX XXXX XXXX XXXX There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
07/02/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28027	Web
On XX/XX/XXXX, I XXXX XXXX XXXX XXXX XXXX and my vehicle was totaled. The vehicles loan is with Bridgecrest. This was a brand new vehicle, I had not had it even a month. I also had Gap coverage through XXXX. The insurance company totaled the vehicle, and sent payment. the payment was sent on XX/XX/XXXX and was posted by Bridgecrest on XX/XX/XXXXXXXX XXXX has sent the gap payment. It was received by Bridgecrest on XX/XX/XXXX and has been senting on the system - pending. They will not credit the account. I believe this is an effort to force more interest to be paid. It has been a week. I have contacted service and advised that it would be XXXX more hours for the payment to post - no explaination as to why. Bridgecrest needs to post the payment instread of seeking additional funds.
07/03/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL XXXXX	Web
XX/XX/XXXX disputed also disputed XX/XX/XXXX advise debt been verified when payment history show different on every report also account type different on the credit reports XXXX XXXX BRIDGE CREST ACT # XXXX BALANCE : XXXX ORIGINAL BALANCE : XXXX BALANCE UPDATED : XX/XX/XXXX ACCOUNT TYPE : AUTO LOAN STATUS DATE : XX/XX/XXXX XXXX show : BRIDGE CREST ACT # XXXX BALANCE : XXXX ORIGINAL BALANCE : XXXX BALANCE UPDATED : XX/XX/XXXX ACCOUNT TYPE : installment STATUS DATE : XX/XX/XXXX XXXX show XXXX BRIDGE CREST ACT # XXXX BALANCE : XXXX ORIGINAL BALANCE : XXXX BALANCE UPDATED : XX/XX/XXXX ACCOUNT TYPE : installment account STATUS DATE : XX/XX/XXXX payments history shows different on every report also if car was sold at auction or for lessor value report should not show the full balance
09/21/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TX 78613	Web
XX/XX/XXXX I was under the impression I was entering into a consumer credit transaction for a used XXXX XXXX XXXX with XXXX XXXX. A few weeks later I began to receive emails from Bridgecrest Corp requiring all documentation and communication be done by email only and demanding I pay an alleged car loan. I began receiving harassing calls and emails. Bridgecrest stole my personal information and began reporting false information to the consumer reporting agencies. I sent validation of debt documents in XX/XX/XXXX with no other response but to pay the alleged debt. They have harassed me as well as had multiple repossessions occur within the last year. I have kept record of the identity theft as well as the violations according to XXXX XXXX XXXX and am now demanding my restitution.
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19139	Web
Bridgecrest has previously agreed to update status, from Charge Off per Credit Report upon completion of payments in full to close/paid status. however after my full payment Bridgecrest refused to update my account. I would also like to include, that the vehicle was repossessed immediately after I made a payment. Initially I recovered the vehicle from Bridgecrest for XXXX On XX/XX/XXXX Bridgecrest provides altering terms on XX/XX/XXXX after payments were accepted by Bridgecrest, terms that were not advised of a immediate-repossession pre-statement. However my records shows XX/XX/XXXX of XXXX payment to Bridgecrest as required. Immediately after payments made, Bridgecrest threatened to repossess vehicle for an additional XXXX that was discussed pre-payment for XXXX on XX/XX/
10/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 765XX	Web
From XX/XX/2022 to XX/XX/2022 I get repeated calls over an alleged debt that regarding a vehicle a purchase with someone. The people who are claiming the debt is owed can not provide me with any verifiable evidence such as the bookkeeping showing the date they loan me the money or credit or where they received the funds from to loan me the money or credit. They also refuse to send me a validation letter signed under penalty of perjury so that I could have thier full name to file a criminal complaint against them for trying to extort me. I have sent the CEO of Bridgecrest documents to address this matter but the CEO failed to respond. They call me EVERYDAY, almost. Sometimes, twice a day while I'm at work, even after I sent them a letter to CEASE and DESIST from calling me.
04/01/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AZ 85044	Web
I traded in my vehicle, a XXXX XXXX XXXX on XX/XX/XXXX, and received the vehicle on XX/XX/XXXX. Since I traded the unit in, with a payoff pending I did not make a Payment. When I was informed that a payment needed to be made or I would be reported as late to the credit bureaus. I made the minimum payment the representative stated of {$290.00} on the XXXX and the payoff check was received the same day ; however, Bridgecrest did not post it to the account. Due to my payment and the payoff both being received the same day which would result in an overpayment but I was informed that I would still be reported negatively to the credit bureaus. I have worked hard to get my credit on track and I think this is wrong as they received both payments to complete the payoff of the account.
09/07/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	AZ 85085	Web
Bridgecrest is reporting on my credit report as a repossession. After several attempts ( all documented ) the credit is refusing to verify the debt according to FDCPA XXXX and Arizona XXXX XXXX XXXX. In my attempts Bridgecrest has only responded with the same letter stating that I need to verify my address because they have a different address on file. My direct dispute attempts have been met with an illegal attempt to shift the burden of proof to me. In violation of FCRA 623 ( a ) ( 8 ) ( D ), 16 CFR 660.4 and Arizona Administrative Code XXXX Bridgecrest has made several attempts to collect the debt since receiving my letters. These attempts include updating my credit report, sending debt collection letters, and verifying false information to the credit reporting agencies.
12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. Bridgecrest is the account Im referring to.
07/03/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20748	Web
My loan payments were initially " bi-weekly '' for auto loan. Some time ago I have been on XXXX where I am only receiving income once per month. I 've talked to the company SEVERAL times to switch my payments to monthly. No one seems to know what happened to the initial request. Maybe it vanished ... I do n't know. I receive several phonecalls a day from the lender bombarding me to make a payment with out discussing the request that I 've put in. Th e Lender also does not show how payments are being applied to your loan. They have all other documentation on their website with the exception of this feature ( red flag to me ). I would like my payments to be switched to monthly instead of biweekly ( which the len der said is possible but my request is completely not noted ).
10/01/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	SC 29466	Web
I have a loan with XXXX XXXX located in XXXX, AZ. I filed bankruptcy and did NOT include them in the bankruptcy and have continued to make my payments on time. I noticed when I ran my credit report a few months ago, they removed the account from the report so it does not show I have a loan with them. I called them and they refused to rectify or explain after 3 calls and a complaint with the XXXX. All they told me was if someone files bankruptcy it is their policy to remove the account from the credit bureaus. They said they would " investigate '' and that it could take months, but then called me the next day and said there was nothing they could do. I have an open account with them and I need the payments to be reflected on my credit report which impacts my credit score.
03/30/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	TN 37388	Web
I have retained a bankruptcy lawyer and I notified Bridgecrest in XXXX that a lawyer has been retained and offered the attorney 's information which they refused to take. I received an email and text message XX/XX/2019 from Bridgecrest advising that a payment is due and I responded to the text message that I have an attorney and sent the name and phone number of my attorney. I received a return text that my vehicle is currently out for recovery and I needed to make a payment of {$1700.00} today XX/XX/2019 because there is not a notation on my account that an active bankruptcy is present. I followed my attorney 's instructions and notified all creditors of obtaining an attorney and this creditor is the only one that has continuously failed to stop collection proceedings.
12/02/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92071	Web
My name is XXXX XXXX and I am writing this complaint on my own behalf, and there is no third party involved. I have never contracted with " Bridgecrest Credit Company '', whom is claiming that I owe an alleged debt. I do not consent to or agree with these claims. This company, whom I do not recognize and have no idea how they even have my personal information, is now reporting on my personal credit reports and causing harm to my personal reputation. I have never done business with this company and never authorized them to access any of my private personal information, nor make any of the fraudulent claims that they're making. This is Identity Theft and Fraud, and is in direct violation of a number of my rights as a Federally Protected Consumer, under 15 USC Chapter 41!
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 456XX	Web
BridgecrestXXXX is reporting inaccurate information to all credit bureaus. They're reporting to XXXX that I have over 5 missed payments and the account is in negative status. However, this vehicle was totals in XX/XX/2021. It was paid in full and in good standing and payments were made until the point insurance took over. They have reported that insurance took too long to send a check therefore inaccurately reported delinquency. My insurance partially paid and quick. Their additional GAP insurance issued through XXXX XXXX is what prolonged the check. This is a partner company for them so they both should have been communicating with each other. I have contacted the CEO of the company, and she made an XXXX call from the executive offices who was no help whatsoever.
08/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78666	Web
Good afternoon, I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. THE BRIDGE CREST CREDIT ACCOUNT IN WHICH WAS A REPOSSESSION DISPLAYED AN INSTALLMENT AMOUNT OF : XXXX, IT OPENED ON THE DATE OF : XX/XX/2012. WHY IS THIS ACCOUNT STILL REPORTING NEGATIVELY ON MY CREDIT REPORT? I HAVE NOT RECEIVED ANY RESPONSES IN REGARDS TO THIS UNFAIR ACCOUNT. PLEASE REVIEW CAREFULLY ALL THE DETAILS AND REMOVE THIS ACCOUNT IMMEDIATELY, AS FOR IT IS GETTING IN THE WAY OF AN IMPORTANT PURCHASE I HAVE TO MAKE.
10/19/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NJ XXXXX	Web	Servicemember
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.
08/26/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX 75038	Web
I purchased a new vehicle in XX/XX/XXXX and was under the impression that I was trading in this car. Instead it was repossessed. Once I found out the car was repossessed the amount that is showing on my report is increased. They are stating the amount of the loan is more that it was originally. Therefore the car was sold in which I was never made aware of the amount that is was sold but the amount that is still showing on my credit report is wrong and derogatory and the balance is still updating every month although it is a charge off and balance showing incorrect. I do not know why the car was never traded in because that is why I was able to purchase another vehicle in which I have no problem with so this situation is reporting falsely on my report and has been.
01/22/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IL 622XX	Web
I have an issue with Bridgecrest. They charge outrageous interest charges. I have been making bi weekly payments toward a used XXXX XXXX XXXX since XX/XX/. The payments were supposed to be {$350.00} per month not biweekly for five years. The total including finance charges is {$55000.00} in which I could have purchased a brand new car for this amount. This amount surpass my annual income. I have made some repairs on it already such as the right signal light and oil and filter change. The roof leaks each time it rains and leak down in the center console. The car had XXXX at the time of purchase. At this rate, I will not be able to repair my credit nor get something reliable to get back and forth to work in. Any suggestions are greatly appreciated it? Thank you!!
08/04/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NC 28303	Web	Older American
On XXXX, I purchased a XXXX XXXXXXXX XXXX from XXXX XXXXThe purchase price was {$14000.00} in XXXX, NC. I went ahead and put down $ XXXX.My credit score is over XXXXIncluding the warranties that I signed for, the amount to be financed for $ XXXXWhen I realized that, I went to my bank to refinance the loan.XXXX XXXX XXXX sent a check of {$10000.00} to Bridgescrest the finance company that they would not apply to my account until I paid them th entire amount financed. On XXXX I paid {$1000.00} to Bridgescrest. I was told today that I needed to pay {$7000.00} to apply the XXXX XXXX XXXX check to my account to close it.I made the payment but believe that I was greatly overcharged.Bridgescrest had a 16.553 % interest rate and XXXX XXXX XXXX was offering 2.84 % rate.
01/12/2024	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with signing the paperwork	SC 29687	Web
My signatureXXXX. I never legally signed the Retail Installment Contract and Security Agreement of XXXX and Retail Purchase Agreement if XXXX. Its a digital signature that they provide when they dropped off the car. I know that Esign and UETA acts there are for major requirements for an electronic signature to be recognized as legal under U.S. law. And that is the Intent to sign, consent to do business electronically, clear signature associations and record retention. This is for the State of South Carolina. BridgeCrest and XXXX has violated so many of my rights without a proper remedy. My Consumer Fair Rights, Dealership Act of SC and My Right to Rescind and Regulation of Manufacturers, Distributors, and Dealers and Motor Vehicle Dealers Trade Regulation Rule.
05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30331	Web
XXXX & XXXX fail to delete fraud auto loans from my credit report even though I have submitted and identity theft Affidavit, police report, and my ID which is completely different from the one used to secure these loans my driver license number doesnt even match they still have refused to remove the inaccuracies and have sided with the auto loan company to which both are clearly violations of my rights as a victim of identity theft! On top of that XXXX is apart of the reason my data has been compromised as I was one of the victims of there companies major XXXX data breach and they still fail to help me resolve my identity theft issues which may have been from the affects of that breach. I have submitted multiple disputes all same results with credit companies.
04/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30152	Web
XXXX has yet again allowed unauthorized activity on my report. Remarks and fraudulent information have been added to my credit report. These continued activities being allowed by bridgecrest need to stop immediately. The account needs to be updated to what is accurate and my score must be returned to what it was before theyve allowed this fraudulent activity. I just spent the last hour and a half trying to get someone on the phone to speak about this matter. XXXX representatives, if this isnt resolved I will be seeking legal counsel and taking a public civil action against you. I demand this be resolved in under 30 days or I will move to the next step. The continued ignoring and immediately closing these investigations is illegal and unacceptable.
09/19/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 90047	Web
I had a auto loan with bridgecrest financial, bridgecrest without any knowledge to me sold the debt to XXXX XXXX for {$9200.00}. I was never contacted by XXXX XXXX by phone, mail or any other means. I called bridgecrest because i totaled the car. They advised me that i needed to contact XXXX XXXX So when i did i was told that ibowe the in excess of XXXX more that the car was every worth i ask forba brake down of the charges and was hung up on i called back for clarification asked for a manager and was told no one was available. I contacted bridgecrest against because i know i didn't owe them this amount when it was explained that they sold the the debt only for whatbwas owed XXXX not XXXX what XXXX XXXX is trying to collect from me without explanation!
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93535	Web	Servicemember
Bridgecrest allowed for the opening of a car loan in XX/XX/XXXX while I was unfortunately physically unable to sign for a loan. Within 6 months of this account being opened, the account became delinquent and Bridgecrest charged it off. As of this complaint, Bridgecrest is reporting the account closed with the full balance and a closure date of XX/XX/XXXX. Despite multiple attempts to dispute this account, I have been unsuccessful. This account has an incorrect payment history, balance, and closure date. The company has agreed to settle the account, but will not forward the title in the settlement and will not correct the inaccurate information. As a military spouse, Im seriously disturbed by how horrifying this process has been and continues to be.
01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35803	Web
BRIDGECREST FORMELY XXXX XXXX The last past payment reported on my consumer report with this account is incorrect. Ive notified XXXX of this via : certified mail. ( Attached ) Circling the inaccuracies. They have ignored my dispute changing nothing. ( Note : this is my 5th dispute ) I have attached my credit report, it shows a last payment of XX/XX/XXXX. That is incorrect. In fact, the accounts historical trended data shows a last payment made XX/XX/XXXX ( attached ) How could there be two LAST payments? This is reflecting an incorrect month and year the account would remove from my report. As the FCRA states I ask that this account is complete, timely and accurate if it is reporting to my consumer report. If not, remove it in completely.
03/30/2022	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	DE 19709	Web
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX. They placed my financing with Bridgecrest financial one of their lenders inside the XXXX umberella. The vehicle they sold me had safety issues and failed inspection. XXXX kept saying they would fix it and never reached back out to me. Finally in XXXX after not hearing anything and getting no resolutions I traded the vehicle in at a local dealership in XXXX. The vehicle was paid off via check on XX/XX/XXXX and has not sent the dealership the title or myself any information showing the lien has been satisified. They have only ignored me and made me feel like I was in the wrong for buying a car and financing from them. I need the title to be sent to the dealer and proof that I paid off the vehicle.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 305XX	Web
My name is XXXX XXXX and I was a co-signer for for my sister XXXX XXXX on a XXXX XXXX XXXX ( loan company Bridgecrest ). During the Covid pandemic in XXXX my sister lost her job and was not able to make the payment on time every month so it went into collections. My sister was able to land a new job and pay off the past due balance XX/XX/XXXX and have been paying on time every month since then. Our credit report is showing that the account is closed with a repo. We have tried to get this issue resolved with all 3 credit bureaus and Bridgecrest but apparently the status is accurate. The vehicle was never repossessed. Attached is the agreement that bridgecrest made with my sister as well as the most recent payments we have records of more if needed.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 305XX	Web
My name is XXXX XXXX and I was a co-signer for for my sister XXXX XXXX on a XXXX XXXX XXXX ( loan company Bridgecrest ). During the Covid pandemic in XXXX my sister lost her job and was not able to make the payment on time every month so it went into collections. My sister was able to land a new job and pay off the past due balance XX/XX/XXXX and have been paying on time every month since then. Our credit report is showing that the account is closed with a repo. We have tried to get this issue resolved with all 3 credit bureaus and Bridgecrest but apparently the status is accurate. The vehicle was never repossessed. Attached is the agreement that bridgecrest made with my sister as well as the most recent payments we have records of more if needed.
12/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AZ 859XX	Web	Servicemember
It was XXXX and I got into a car wreck and reported it to XXXX and Bridgcrest. Then XXXX and I froze my account so I don't pay on a wrecked car and then i called Bridgecrezt and asked them what i do the gentleman told me to pay off the last month and I should be good for the car will dont by that time. I payed off what he told me to pay and then i got informed that XXXX and bridgcrest weren't communicating and I had missed payments on my bridgcrest account. The lady said there is nothing they can do to help me since they didn't communicate with XXXX to get car totaled and they won't do anything about reporting the late payments. They have a great pay record with me never missed a payment and they won't help fix their mistake that hurt my score.
12/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38301	Web
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.
10/26/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 20748	Web
Lender illegally threatening to repo vehicle during COVID-19 Pandemic ( I live in the state of MD and we are still under a State of Emergency. I lost my job on XX/XX/2020 and have explained this to the Lender multiple times. I am familiar with their scheme. When you don't answer at least three of their phone calls they send the repo letter. However, as indicated, we are still under a State of Emergency and at the time the Lender sent the letter I was only 35-45 days late and had been in FULL communication with them of my situatuion. I am currently only receiving {$170.00} in unemployment per week with a mortgage of {$1600.00} and other utilities. I am doing the best that I can with the meager savings that I did have prior to the pandemic ).
02/08/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33647	Web	Servicemember
I purchased a vehicle through XXXX, in XX/XX/XXXX. The vehicle is financed through Bridgecrest Acceptance Corporation. On XX/XX/XXXX, they took possession of the vehicle due to the payment being XXXX days late. I sent in a payment of {$650.00} on XX/XX/XXXX, via XXXX in the form of a money order. I also reached out to the company to resolve the issue to new avail. Apparently, it is their company policy to put an order in for repossession if the payment is XXXX day past due, and being that this was a new account they were unwilling to work with me even though I had sent in the payment. This company has a habit a bad business practices and predatory lending. Their XXXX rating is around XXXX and yet they are still allowed to be in business.
06/14/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77583	Web
XXXX XXXX XXXX XXXX has given place a address on my account linking me identity to someone else in their database. I have copies of when I paid my account and this very different address comes to my email stating that this is my personal information. I have never lived here and Bridgecrest has made this mistake. I have proof that this was a continuous problem that Bridgecrest never updated their database mixing accounts together. I know Bridgecrest would tell me about their system was down and having problems taking payments and sending out reminders and confirmations to customers in the past. But never not one letter stating that there was a data breach and offering any resolutions to resolve this identity problem about my account.
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92880	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92880	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
03/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92880	Web
I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/17/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	MD 21114	Web
This isn't a duplicate complaint. If what they did is true when I had signed for my new vehicle trade line on my XXXX XXXX XXXX and what they have stated say that when I had signed for my new vehicle my old deadline or contract on my XXXX XXXX XXXX was still on my report before it was deleted and was put into consideration for my new interest rate than why did my interest rate increase after 6 plus months of on time payments and they also financed me for 2 to 3 payments longer at a lower payment as well but thatisnt the issue the issue is those extra payments is extra money in there pocket they are not entitled to and should have been given a Lower one because of set conditions. On time payments should lower not raise interest rate.
11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 916XX	Web
After reviewing the original copy of my consumer contract provided by Bridgecrest, it has become evident that there is no verbiage or disclosure indicating the sharing of my personal information or transaction data with either affiliated or non-affiliated companies. During a recorded call with a customer relations representative, it was stated that my contract supports an opt-in for sharing my information, and I was assured that supporting documentation would be sent to me. Attached documents further substantiate the violations of my consumer rights, including the failure to provide an opt-in or opt-out method both at the time of sale and throughout each year of my customer journey. Please view supporting documents in attachments.
06/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 32221	Web
I contacted XXXX XXXX XXXX back in 2022 to settle an auto loan debt. I worked with XXXX XXXX and made my payments directly through her totaling {$10000.00}. I was told that I would get a pay for delete. The debt has been settled a year now. I was given a notarized satisfaction saying debt has been settled in full. XXXX XXXX XXXX never removed it from my credit as promised and is also saying I still owe {$6000.00} on the debt. I have filed several disputes as well as contacted XXXX XXXX several times with no resolve. XXXX was XXXX in the way she treated me. Once the debt was paid she stopped answering calls and e-mails as well. The credit bureaus are advising it is nothing they can do as the XXXX is advising I still owe the debt.
07/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31069	Web	Servicemember
I co signed on this car with my ex with XXXX. My ex defaulted car got repoed. I made an offer to settle the debt that was owed after auction for {$3000.00}. They accepted that term and was suppose to update my report to " charged off settled '' status. They have yet to do that they keep reporting it as open with a pass due balance of XXXX something dollars I have emailed and called them several times and they keep giving me the run around while they continue to ruin my credit. I have two letters one where they accepted my agreement and the 2nd one where it shows I paid it and that they will update it to charged off settled. I paid this debt XX/XX/XXXX. When I dispute it they send the same wrong info to the credit reporting agency.
09/27/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32607	Web
Ive been trying to get my registration switched back Over in my name since XX/XX/XXXX... they finally sent me the paper work to have it switched back over but its taken to long and Im getting the run around. Ive been paying for a rental car and making my car payment I cant afford to do both anymore I need my registration back in my name ... its bad enough I cant get the XXXX Ive spent on a rental car back .. now here it is almost another month I still cant XXXXXXXX XXXX XXXX and I still have to make payment or they are gon na repo my car and its not fair. How am I gon na keep getting back and forth to work with no car but yet Im still paying on a car that I cant XXXX XXXX. Im over Bridgecrest and how they did me was so unfair.
06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19125	Web
I have made multiple disputes with all 3 credit bureaus for the reporting of my Bridgecrest account. Bridgecrest continues to certify inaccurate information to XXXX and XXXX, specifically that my last payment was made XX/XX/XXXX in the amount of {$0.00}. The actual last payment was made on XX/XX/XXXX. I am aware of the fact that Bridgecrest has already had legal action against them in the past for certifying inaccurate information to the credit bureaus, namely reaging accounts, which is what they are doing to me. You will see the attached copy of how XXXX is reporting the dates which is correct, along with the receipt of my last payment. You will also see the attached the XXXX report which contains the inaccurate information.
11/16/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77373	Web
On XXXX XXXX XXXX, an auto loan account was fraudulently opened in my name, resulting from identity theft. I have taken steps to dispute this information with both XXXX and XXXX, including sending written letters, but no action has been taken to address the issue. Furthermore, the information on my credit report is inaccurate. The reported closing dates differ, and the account is incorrectly marked as charged off a long time ago. Additionally, there was recent activity on XX/XX/XXXX, further highlighting inconsistencies in the dates of account opening. I urgently request the immediate removal of this fraudulent account from my credit report due to its fraudulent nature and the discrepancies it presents in my consumer report.
11/07/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33462	Web
I sent out a notice of rescission, truth of affidavit and cease and desist to the company Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and neither have replied. Bridgecrest has since stopped the phone calls which was explained in the cease and desist which gives indication that they have received my letters however they never responded. I have documented proof of delivery of these documents to both companies. I entered a contract with these companies on XX/XX/XXXX and have since noticed many violations of my consumer rights. I listed those rights in the mailing and explained how they violated them and by law what they must do. I have asked for my down payment of {$2000.00} and all monies paid towards the vehicle.
10/21/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77070	Web	Servicemember
Proof of when car was sold, Bill of sale, or contract. I send in my information along with police report several times .Also Amend Section 604 ( c ) of the FCRA to address the treatment of pre-screening report requests. Section 604 ( c ) governs the furnishing of reports in connection with credit or insurance transactions that are not initiated by the consumer. However I did reach out to the DMV to file a report due to the inaccurate information on my XXXX credit file Also Office of the Attorney General office due to the discrepancies due to Bridge Crest. Please cease and desist all calls and contact with me immediately to stop the harassment, accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ),
05/23/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TN 37212	Web
There was XXXX loan modifications on this loan and so the new maturity date became XX/XX/. However I actually made the skipped payments by paying over every month and then I made double payments XXXX times. There was an NSF once but quickly fixed because of a bank account change. They are now claiming that even after my final payment I would still owe an additional XXXX dollars. When I actually believe the final payment should have already occurred. I paid the XXXX payment and I have a XXXX payment scheduled even though I don't believe I owe it. The agent told me that after the final payment if the additional XXXX is not paid I will be subject to charge off. I need this corrected and the lien released asap. Thank you.
07/12/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WI 54703	Web
This is the second time I have lost my job while having the vehicle and struggling to make payments. I asked if there were options because according to their notifications and emails they offer assistance if you are experiencing a hardship and also informed them I have intentions of starting a new job next week to start making payments. They said the only way to stop the repossession is by making a payment. I also asked why they have a clause in their emails and notifications saying to inform them of your hardship so they can assist you. They do not have any programs available. So I said to the lady, basically that hardship and options in your emails are basically XXXX because you dont offer anything and she said yes.
03/07/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	OH 44102	Web
When buying a car from XXXX they used a company called BridgeCrest for their financing. We had the car for a month but it was totaled in an accident on XX/XX/XXXX. Considering we had gap insurance, XXXX paid the loan total on XX/XX/XXXX and we were supposed to shop for a car within the month of the accident. Since then Bridgecrest has yet to report the loan as paid to the credit bureau and we are unable to apply for a new loan and another used car. leaving us completely in limbo waiting for an update. We call daily and their best advice is to keep calling until there is an update. it has now been over a month since our insurance company sent the check to them and we need to get this cleared so we can have a car again
10/24/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	NC 27502	Web
I found out back in XXXX that a car was brought in my name by a family member. They literally filled out an application online and brought the car online through XXXX and had it delivered to them without my knowledge, this happen in XX/XX/XXXX. I found out in XX/XX/XXXX and called Bridgecrest and told them where to pick the car up at. I explained that a family member that was living with me brought the car online in my name without my knowledge and had stolen my driver license to commit the fraud. The car registration was never paid either since only I could go motor vehicle. The account is still showing on my credit and I want it removed since the car loan was never opened by me, it is a fraud account opened online.
09/04/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AZ 85035	Web
I refinanced with a new company and they funded on XX/XX/21. I tracked the payoff funds and confirmed they were received. Ive been trying to get them to update my account to paid and close it since I now have a new lender. They wont apply the funds and instead are holding them and trying to continue to collect monthly payments stating they will pay me back the over payments once they decide to apply the payoff funds they received. I read other people having the same issue and then struggling with getting their over payment funds back from this company. They need to be held accountable for scamming people, I want them to credit my account with the payoff funds they received and transfer my account to my new lender.
02/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32127	Web	Servicemember
I have moved from XXXX XXXX XXXX XXXX and informed Bridgecrest to transfer my title as I can not get tags without it. XX/XX/XXXX Called into Bridgecrest to get process on Title Transfer, spoke to agent id XXXX XX/XX/XXXX Emailed XXXX XXXX XXXX XXXX form to BridgeCrest as requested XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed I have bad tags on my vehicle and can be stopped and towed at any moment. They call for payments but have never called to try to resolve this
12/13/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA 19143	Web	Servicemember
I havent heard anything back from Bridgecrest I asked to speak to a supervisor and I was left on hold the vehicle just got out of the shop I wasnt able to make it to work because of the up and down with payment for the repairs for XXXX $ I had to pay XXXX $ because of this matter I lost my job because the job was a hour 1 1/2 away from home and I couldnt make it into to work because we didnt know when the repairs were going to be pay for by XXXX XXXX. I was trying to get in touch with Bridgecrest to see if we could set up a payment agreement and arrangements to pay car note While I attend my job placement classes I attend with welfare department I applied for public assistance which is only XXXX $ twice a month.
11/16/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 322XX	Web
i purchased a vehicle from XXXX on XX/XX/2016 and i am currently having mechanical issues with the vehicle and the XXXX party agency XXXX that they use to provide warranty protection to customers is refusing to help with an issues that is " covered '' under warranty. they have already forced me to pay for a diagnostic test that was done at XXXX when they should 've covered that as well. there is no reason a customer should have to pay for any repairs if the car is so called " under warrant ''. i am very dissatisfied with this whole exp erience and wish to have nothing else to do with them. The loan itself is preda tory anyway and should not be legal. I am very unhappy with how i am being treated as a customer.
06/10/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web
Pursuant to 18 usc 8 The United States is responsible for all debt. 18 usc 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. ( XXXX XXXX XXXX, ch. 645, 62 Stat. 685. ) There is not law that states I have to pay a debt.
11/06/2023	Yes	Vehicle loan or lease Loan	Repossession Damage caused or loss of personal items in vehicle during the actual repossession	TX 75019	Web	Servicemember
Vehicle was illegally repod. Many items were stolen from said vehicle, including items that can never be replaced as they were given to me by my now deceased parents. Company needs to compensate me for these stolen items and the issues the illegal repo has caused in my life, also remove their lies from my credit report. Company, Bridgecrest, can not provide documentation that backs anything they claim up. I however have provided documentation that proves I was making payments up until the end of XXXX and then XXXX was to be deferred. This was per their own representatives. All Bridgecrest has done is verbally refute what they actually did, with no real documentation nor proof to substantiate it. Thank you.
01/27/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28214	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
10/01/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IN 46410	Web
Bridgecrest has theeeee WORST customer service on earth. I called in and asked about the loan mod/payment agreement. Of course, you get transferred to an offshore call center. The information I was given that was documented on my account by that rep was COMPLETELY WRONG. I called back and spoke with a supervisor named XXXX who promised that he would listen to that call and admitted that the notes stated that the rep told me inaccurate information. I called back and another rep told me that both the 1st offshore rep AND the supervisor told me incorrect. Now, I don't know what the heck to do and have a negative reporting looming at XXXX XXXX XX/XX/2022. A supervisor was supposed to call me back 2 days ago.
02/22/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20748	Web
I have an auto loan and the Lender does not provide paper statements. When I go online I am able to see the payments/fees that I have made or been assessed. However the Lender does not have how the payments are being applied ( what goes to principal and what goes to interest ). I know they are doing this on purpose to avoid questions from other consumers who are experiencing the same thing. I have to submit a request ( which can take 2-3 days ) to show how may payments are broken down in principle and interest. Why? All other loans/credit cards I have show this information right on the screen/billing statement and it is readily available ... this lender doesn't. I feel like this is a violation of Reg Z.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28262	Web
On XX/XX/XXXX I made a payment of {$490.00} to Bridgecrest auto for my car loan which I was advised by a Bridgecrest rep was the amount due to avoid a late reporting. The rep said it was for {$490.00} today. On today I received an alert stating that Bridgecrest reported my payment 30 days late. On XXXX it states that I am {$50.00} late which is inaccurate. I called Bridgecrest and asked if they could please fix the 30 days late. I had never asked for anything to be removed or updated on my report, I was told no. The 30 day delinquent has dropped my credit score significantly on one of my reports by as much as XXXX points. I would just like to get some help with getting my reports updated to current.
07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23231	Web
I traded my car in and the financer did not process the payoff check which was sent to them on XXXX hence making my account delinquent. Subsequently they continued to not process that check for almost 60 more days. This negatively effected my credit and when I asked why didn't they process the payoff check they said it was short {$440.00} dollars. I payed that out of my own pocket but Bridgecrest XXXX still sent negative reports to my credit agencies. Finally they processed the payoff but it is still showing as a delinquent account. I disputed it to no avail but I think their process was improper, unfair and unjust! Can this be remedied by someone and my credit standing restored please! Thank you.
12/23/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93309	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
10/30/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MI 48221	Web	Servicemember
being under " Forced Action '', threat, and XXXX, I was not given full disclosure of contract. I was not presented with a " True Bill in Commerce or security Agreement. Company was sent a Accord and satisfaction letter with tenderized payment, along with General Release of Liability Agreement and Affidavit of Demand for Verification of Debt. But no response for demanded documentation requested. Under Title 12 226.39 ( regulation Z ) part ( a ), a servicer does not have the rights of a holder in due course and therefore, do not have the right to enforce payment. " any attempts to collect further payments on my automobile loan will be construed as " XXXX XXXX '' evidence of committing fraud ''.
12/31/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MO 63121	Web	Servicemember
I NEVER received any documentation from XXXX/Bridgecrest stating that the car was facing repossession. I made a payment on XX/XX/2017. When I woke up the morning of XX/XX/2017 the vehicle was gone. I have NOT received ANY documentation from XXXX/Bridgecrest about their plans to sell the car. I have NOT received ANY information that they have disposed of the vehicle. The ONLY communication/documents I received from XXXX/Bridgecrest was a redemption and reinstatement form back in XX/XX/2017 dated XX/XX/2017. And it stated to redeem the vehicle to pay {$14000.00} and to reinstate pay {$2300.00}. They have placed this debt on my credit reports for XXXX without following the proper federal guidelines.
05/18/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80020	Web	Servicemember
On XX/XX/2021 I made a Principle Payment Only of {$250.00} towards my account balance. 2 days after my normal payment was taken out and processed. I've done this before and familiar with the 72 hrs it may take to show on the account ledger. It's now XX/XX/2021 and the ledger still reads normal payment of {$250.00}. I'm charged a daily interest rate on my Principle Balance which is NOT accurate as of XX/XX/2021. This company is stealing money from me. I have called 3 times as well as sent emails and even talked to 3 different reps who've claimed to submitt tickets for the change. I'm doing my part and paying my bills during this pandemic the least they could do is process my payments accordingly.
01/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85345	Web	Servicemember
Original contract was not correctly drawn, the car deal removed my daughters name off the car to get qualified without my knowledge. I was only the co-signer. They knew she would not qualify so the removed her and only ran the application with me on it without her and thats fraud. I contacted the agency and the said I was the only person on the contract. It was never just my car. The care belonged to her. The advised me that if I paid XXXX cash they would remove account. The guy send another deceitful letter and took my XXXX and applied it a payment and not a settlement. Again fraudulent. This company XXXX XXXX / bridge crest need to be investigated. Im sure Im not the only person they frauded
06/04/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 275XX	Web
The car loan doesnt belong to me what I mean is I didnt purchase the car. I had a family member living with me and when I would travel out of town on business they must have took my ID and information from out of my old pocket book in my closet. The car was brought online and when I found out about it I immediately had the car picked up from that family members new home they moved into. The car was brought in XX/XX/2019 I believe and I have tried working with Bridgecrest to have it removed from my credit to no avail. I didnt do a police report because I dont want the family member in jail she has XXXX small kids but I dont and shouldnt be held responsible because I dont have a police report.
03/23/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 38637	Web
Hi, I have been with bridgecrest all for over two years now. And during the pandemic they were saying that they were going to make accommodations. And it was nice, except they were still reporting to the credit bureau. This company completely misrepresented The accommodations. Even when I spoke directly to more than one representative, they told me that I would not be reported to the credit bureau if I paid X amount. I did what I was supposed to do on my end but I still ended up being reported and 30 points on my credit dropped. I would like something done about this, it should be illegal, we are still in a pandemic and they are still reporting late payments even with payment arrangements.
01/14/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	WI 53222	Web
XXXX practice 'XXXX XXXX '. XXXX XXXX '. as recognise more insidious forms of XXXX that counter a very real impact on the employment chances, pay, health and finance of XXXX minorities. During the coarse of my tenure with XXXX they adopted acts to discredit and discriminate my account because I made all my payment timely, they seeked to perform acts to remove any all account related to my name to systematically discriminate me from financing another vehicle with them because of ny XXXX XXXX would note ny accounts as past due or completely remove my account from their system to enact XXXX XXXX, due to lack of protection by Congress and/or The Department of Justice for systematic XXXX
10/11/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 79705	Web
I received a letter dated XX/XX/2023 in response to a validation request sent by me. The information was sent via registered mail. All requested information was not sent. The information sent was ( letter response, transaction payment list, a digital buyers order, and digital retail installment agreement ). It was requested that Bridgecrest provide e-signature verification that displays electric record of esignature showing date, time, IP address, and device used to sign the agreement ( Not provided ). The response letter and documentation sent is not sufficient evidence to prove validation requirements. Also noticeable was there was no notice of right to dispute on Bridgecrest response
06/04/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33610	Web
My husband and I have gone to XXXX and are leasing a vehicle, due to my husbands declining health he has been hospitalized and placed in rehabilitation several times. This time is for falling and breaking a hip. As you know hes income is our household income and this has changed, for his medical care. I receive social security once a month and its only enough to pay some of the household bills. Bridgecrest has denied lowering our payment on several occassions, they have stated they cant do it, but their a finance company. We just dont understand this. We would greatly appreciate it if someone could give us more information on what or who we can reach to help us out with this. Thank you
01/02/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 28804	Web
In XX/XX/2022, someone opened an auto loan through Bridgecrest under my name. The initial balance was {$27000.00} to be paid over 72 months. They did 11 credit checks with my information. They had on time payments for XXXX, XXXX, and XXXX. They did not pay XXXX or XXXX. They paid XXXX, then missed XXXX, XXXX, and XXXX payments. This resulted in a repossession in XXXX. The amount past due was over {$27000.00}. The auto loan, credit checks, multiple late payments, and eventual repossession have caused extensive damage to my credit score. I, XXXX XXXX, am in no way associated with this account or its payments or credit checks. I have no idea what car was even purchased with this loan.
05/12/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27617	Web
My husbands payment to XXXX was late in XX/XX/XXXX. We set up a payment arrangement to keep the account current which was 5 consecutive payments that would be the regular payment and the late payment in installments. The arrangement was to be due and paid the 1st of each month. All five were made on time. They reported each month as late. I inquired and the rep told me I should have made the payment a day earlier for it to not be considered and reported as late. I informed them that I was NOT given this option when my husband and I set up the arrangment. They continue to report XXXX XXXX XX/XX/XXXX as late and it is the sole item on my report keeping me from qualifying for a mortgage.
03/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 223XX	Web
I bought a XXXX XXXX XXXX from XXXX around XX/XX/2018. I bought the car and then traded it in for an XXXX XXXX XXXX. When I did this, I had Bridgecrest send the payoff amount that they quoted me, to themselves for the XXXX. XXXX/Bridgecrest is claiming that the payoff was {$3000.00} short. I understand that, however the quote I was given covered the full amount of the car, and I sent it to Bridgecrest and XXXX and it was approved. The issue here is that on my credit, Bridgecrest shows a charge off amount for the XXXX on my credit of {$27000.00}. This is not accurate as I got a payoff for the XXXX. Please remove the XXXX off my credit as I properly traded that car in for the XXXX XXXX.
10/17/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	NC 28027	Web
I purchased another vehicle with XXXX and of the loan was again with Bridgecrest. I decided to refinance loan with XXXX. XXXX has sent a payment in the of XXXX. Bridgecrest has posted the amount as XXXX, and has not closed out my loan. They have posted. a balance owed of XXXX for XX/XX/2026. My loan was refinanced and my new payments begin at the end of the month with XXXX. Bridgecrest owes my XXXX and are attempting to hold out the loan to obtain those proceeds. I have contacted an attorney and have attempted contact with the company. Bridgecrest is a fraudulent company. I would like my funds back. I will continue to make known the issues that Bridgecrest have... not a good company.
02/02/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	FL 32806	Web
RE : XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX Website : XXXX XXXX XXXX Original Loan Total That I was Misled on Would Total {$18000.00} Because of Intrest and a 70 Month Term Payment. Payments Made XX/XX/2018 {$600.00} XX/XX/2018 {$430.00} XX/XX/2018 {$200.00} XX/XX/2018 {$340.00} XX/XX/2018 {$250.00} XX/XX/2018 {$210.00} Transaction Date : XX/XX/2018 Amount Paid : XXXX Payment Method : Credit Card {$13000.00} charged off against my credit score XX/XX/2018 No record of payment. Not willing to disburse new payment program or loan details. Unauthorized GPS placed on my vehicle. Refusal to off access to online account. Incorrect reporting on XXXX Credit report
08/13/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 76180	Web	Servicemember
I currently have 2 car loans with XXXX/ Bridgecrest Financial , I drive for XXXX and have 4 payments left on one vehicle. I contacted Drive-Time today XX/XX/2020 to inquire about getting another vehicle. I was told that they do not accent Uber/Lyft as a source of income and they would not be able to finance me. I explaijned to them that I am already paying for the vehicles I have through them with Uber/Lyft income. I believe that they are violating the fair credit act by not accepting what I make as an independent contractor. I have been told the reason is because they don't wa n't their cars used as rideshare, if I am buying the vehicle what difference does it make how I use it.
09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, XXXX XXXX XXXX XXXX. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to Bridgecrest and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
05/28/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NJ 07017	Web	Servicemember
Hi, I hope all is well with whomever handles my case. I paid off their car refinance loan in XX/XX/XXXX with Bridgecrest ( XXXX ) located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. However, even though I called Bridgecreast several times in XXXX and XXXX for the remainder of the residual funds on my account post payoff, they never contacted me. Furthermore, I even tried to login and pull up my old account, but they appear to have deleted it. My account ended in the last XXXX number XXXX. Bridgecrest practices deceitful business practices towards their consumers. Therefore, I am requesting my refund amount from them. This is the reason I am them to your company. XXXX XXXX
05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 14211	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & No ), has violated several of my rights. 15 U.S.C 1681 section 602 A. XXXX states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also statos a consumer reporting ageng can not furnish an account without my written Instructions. 16 U.B.C 1666B : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct Violation of several laws under The Fair Gredit Reporting Act
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20743	Web
On XX/XX/22 Bridgecrest reported that my vehicle was repossessed. I never missed a payment on the account, and it remained in good standing. However, Bridgecrest will not remove the repossession from my credit report. I have reached out to XXXX, XXXX, and XXXX on dates XX/XX/22, XX/XX/22, XX/XX/22 and neither company have been able to adjust my report appropriately. Since that time, i've been unable to be approved for funding due to the incorrect nature of this situation. I have reached out to Bridgecrest 3 times in regards to the incident on XX/XX/22, XX/XX/22 and XX/XX/22 and the associates I've spoken with have denied to remove the falsely reported items on my report.
01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20774	Web
On XX/XX/XXXX I received an email from Bridgecrest stating that my account would be reported as 30 Days Delinquent if I did not remit payment by XXXX XXXX PST on XX/XX/XXXX. On XX/XX/XXXX at XXXXXXXX XXXX EST ( or XX/XX/XXXX XXXX XXXX PST ) I remitted payment in the amount required to prevent a 30 day delinquency report on my credit reports. On XX/XX/XXXX I contacted Bridgecrest to resolve the issue and was told that their systems automatically report to the credit bureaus and they will not change the account status because it is accurate. I then reiterated that I made the payment before the PST deadline and was continuously met with a refusal to correct the information.
01/28/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 622XX	Web
I am XXXX XXXX behind on my car note but have been making payments every XXXX in an amount in excess of what my XXXX payments are in an attempt to slowly catch up. I have requested Bridgecrest to no longer harass me all XXXX but they call XXXXXXXX XXXX XXXX XXXX XXXX XXXX filling my voice mail box, and disrupting me while I am at work. They call from different numbers every time as well, so blocking does no good. I am exhausted with them and can not have them disturbing me at work anymore. I would provide specific dates, but it has been happening every day for the pasXXXX XXXX XXXX, every day including weekends. I get calls as early as XXXX XXXX, and as late as XXXX XXXX.
10/01/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 342XX	Web
I had a XXXX XXXX XXXX financed through Bridgecrest. I traded the car in on XX/XX/XXXX. There was a delay with the dealer, so they received the payoff XX/XX/XXXX. At that time I was told the payoff was short {$83.00} and Bridgecrest applied that payment on XX/XX/XXXX, 2021.To this day ( XX/XX/XXXX ) the majority of the payoff has still not been applied and they are now seeking to repossess that vehicle. They are also reporting negatively to my credit bureau. I have called 16 times, 8 of which I was promised this would be forwarded to a manager. I have been told by several employees they can see when the payment was received and can not tell me why it is not being applied.
05/22/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
On XX/XX/XXXX XX/XX/XXXX placed a collection on my XX/XX/XXXX credit file. Upon further investigation, this account was transferred or sold and i am no longer responsible for this account. XX/XX/XXXX has failed to verify this account, since my initial dispute in XX/XX/XXXX. Also there was no written form of communication, contract or signature for this accused debt at all.A bill without a signature does not validate the debt in any way, shape or form. Anybody can send a bill and say it belongs to me. According to the FCRA, XX/XX/XXXX has violated my right as a consumer. Therefore, I am requesting legal action to remove this negative item from my credit report immediately.
08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 42101	Web	Servicemember
This company is falsely reporting to the credit bureaus. during the pandemic I was unfortunately unable to work because not being deemed essential. I spoke to the company about future payments and they agreed to put my payment at the end of the loan. The next month the repossessed the vehicle was never late and according to my credit report you could see the inconsistency of them reporting. I have tried several times to get this resolution. I only get a voicemail for the department of bridgecrest that handles these cases. I have sent numerous letters and tried to call several times. I understand that I was responsible for the car although the late payments is non sense.
09/01/2023	Yes	Vehicle loan or lease Lease	Repossession Notice to repossess	VA 23505	Web
On Sunday, XX/XX/XXXX my XXXX XXXXXXXX XXXX was repossessed through a 3rd party vendor via Bridgecrest Financial LLC. Any repo is a lien. The Truth in Lending Act protects me, I am the Creditor and the Lender, I am a SECURED PARTY CREDITOR with a UCC-1 FINANCING STATEMENT on file. Bridgecrest Acceptance Corporation is the DEBTOR. THE DEPARTMENT OF TREASURY issued a check for, XXXX XXXX XXXX Beneficiary, to pay for this car IN FULL and they have USED me to pay nearly {$600.00} a month for over a year to pay for this car that is already paid for. They have committed forgery, fraud, and conspiracy, I AM A PRIVATE BANKER and I have a trust account. I also suffer from XXXX.
11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	TX 77365	Web
I have a charge off due to reckless driver hitting my car and me getting scammed into buying fake insurance which ended up not being real insurance and at that time the car accident happened shortly after that which was this XX/XX/XXXX to be exact I was not at fault, but dont have the money due to being out of work And getting fired because of this now my car is at a charge off and I need some type of help getting this figured out either way boosting my credit score up or getting the remaining balance. Majority knocked off my credit score so I can go about financing a new Vehicle and then other stuff on my account that shouldve been wiped off or removed but it has not
11/28/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NY 14220	Web
Bridgecrest is holding my title hostage by not releasing the lien on the title. I've been calling for over two months, the loan is paid off since XX/XX/2021, I never received a lien release and they refuse to do anything about it. I've emailed daily, no responses, I've mailed letters with no response, the truck was traded into dealer with the lien they have called and won't release it. Last night they said stop calling we can't release the lien to you, or the dealer, and wouldn't let me talk or explain anything. Who will they release it too? They won't release it to any of us and won't listen to me when I say release it to us or the DMV. I don't know what else to do
05/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19038	Web
According to the Pennsylvania Department of Transportation 's Repossession Laws, the Creditor, BRIDGECREST, was to follow laws put in place to protect their business and myself. The law states that I should have received a letter notifying me of the repossession allowing me 15 days to try and recover the vehicle before auction, and second, I was to receive a letter after the auction that stated the sale price and the new deficiency. BRIDGECREST DID NOT SEND THE LETTER which means they are not in compliance with Pennsylvania Laws. For that reason, for an error on their part, the repossession should be removed from my credit file because they are not in compliance.
09/14/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 77064	Web	Servicemember
My Car got totaled out XX/XX/2023 and thru insurance of the other party. they pay XXXX plus at the value of the car at that time... i had another XXXX years to pay off the XXXX that i still old... .by them accepting the pay off at the time of the totaled car ... the interest on the car should have been adjusted right ... so they accept the payment at the time... the whole debt should have been pay in full... i would like this removed and my credit adjusted because they are saying i owe them money... when in fact if they accepted the payment the insurance compay offered... they should have cleared the debt ... .please look into the bad practice by this company...
04/06/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NV 891XX	Web
the company claims that they have charger off the account as of XXXX they claim that the account was passed due the account was on auto pay i have talked to multiple agents from the account and they give me different stories i have seen that XXXX has been in the news lately due to things like this I have also reported them to my state attorney general. i have tried to contact a manager in the company and they have never responded. I understand that the company is in the middle of a bankruptcy. but it is not right that they treat they customers like that i have not been able to get a true story with any proof of anything. they claim they charge off my account.
07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30135	Web
Firstly, I was traumatically affected by the declared disaster XXXX. I was let go from work to lessen the in office capacity. This pandemic and the mandates were out of the peoples control. This account is negatively affecting my ability to get a home to house my XXXX Ive called and spoke with the creditor several times. I am XXXX because of this hit, I received an emergency housing voucher but am unable to use it because renters automatically see this negative hit and deny me instantly. Please help, there should be some kind of forgiveness due to an uncontrollable disaster occurring. My previous disputes meet FCRA requirements but no action has been taken.
09/07/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CT 064XX	Web
I bought a car in 2018 from BridgeCrest XXXX in Florida. They charged me a rate of 24.9 % knowing I couldnt afford it. I know Florida law is 19 % they allowed the other party to Modify the Loan with just her signature and not mine when my name was printed on the bottom where I was supposed to have signed. I told them not to modify the loan. The vehicle Went to repossession and they did not send any notice to me about it to the new address I provided them. They intentionally sent it to a previous address. I had no idea that the car was actually repossessed or that it was sold at auction. My credit score is harmed because of a predatory lender and I need help.
05/01/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NY XXXXX	Web
On XX/XX/2023 there were an excessive number of extra account activities posted to my account including nsf assessments then reversals which were added as additional deductions to the account rather than credits. The total removed from my account was {$45.00} plus more {$15.00} fees earlier in the month. The last four digits of my bank account for tracking payments have been removed from the account. There is no way to resolve the issue and someone has been accessing both my bank account and the account for the vehicle where the money is withdrawn, but it doesn't post to the car loan. There are also payments being posted that I have not made, identity theft.
04/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30314	Web	Servicemember
Bridgecrest Credit Company violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt. I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not. Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.
05/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 76137	Web
XXXX XXXX Bridgecrest received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE XXXX CREDIT REPORTING AGENCIES T XXXX XXXX XXXX XXXX The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment BridgeCrest has yet to honor the terms of applying the payment. I am requesting that ALL ( 7 ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.
10/08/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	PA 15317	Web
I contacted Bridgecrest bank in Arizona. I paid off my loan. Im trying to purchase a new vehicle. The loan is at a XXXX balance. They gave me a letter stating that the loan was it a XXXX balance I needed the lien removed so I can purchase my new vehicle, theyre claiming that there is a 10 day hold on it which I get but I dont get because they were worried about the money not clearing but they couldnt let me a title either way because theres a XXXX balance on it. I have a letter stating that my XXXX XXXX XXXX was paid in full and had a XXXX balance they refused to take the lien off of the title, so that I can proceed with my new loan for my new vehicle.
01/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27804	Web
BRIDGECREST FORMERLY XXXX is a company that is regulated by CFPB and they are in violation of laws, statues, and codes that they shall abide by. BRIDGECREST FORMERLY XXXX has taken adverse information reflecting on my consumer report due to none payment for medical related complications. BRIDGECREST FORMERLY XXXX went to the extreme and reported to the consumer reporting agencies numerous times late payments which is transactions between the consumer and the person ( BRIDGECREST FORMERLY XXXX ) making the report. Congress says that transactions or experiences between the consumer and the person making the report is not included in your consumer report.
09/17/2019	Yes	Debt collection Auto debt	Communication tactics Called before 8am or after 9pm	FL 322XX	Web
I owe Bridgecrest {$100.00} left on my car loan of {$20000.00}. I asked them not to call my phone any more because they call several times a day. The day after I advised them not to call ever again they called back and even read the notes that had been documented to never call back. that was actually 2 weeks ago. Well tonight I actually got a call from them at XXXX XXXX from XXXX as I am asking why they are calling that time of night she never even acknowledged that she was calling out of time zone and was actually quite rude. While I do know that I owe them I asked to never be called again and I am most offended because I was called after XXXX EST.
01/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 304XX	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
07/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60647	Web
Bridgecrest LLC is reporting multiple missed payments to my credit report. I made multiple arrangements with them and was assured that this wouldnt happen. The vehicle has been paid off well before the due date, and despite my best efforts I cant get them to change the reporting which is ruining my credit. Whats more is that I didnt purchase the vehicle from bridgecrest, I purchased it from XXXX XXXX which was then bought out by bridgecrest. When the change of company was made, they inadvertently turned off my autopay in XX/XX/2018 which caused me to be late without my knowledge. No one has been helpful fixing this for me and they dont seem to care.
03/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92648	Web	Servicemember
XXXX XXXX for a payment arrangement d/t sickness. I did not want this to negatively impact my credit and they agreed with the payment arrangements. I have a printed copy of the arrangement they agreed to. I completed my payments and now am receiving an alert that they turned me in for being 30 days late which is a false statement. I continued to make my agreed payments. I disputed this with XXXX and they contacted XXXX and said they confirmed it was correct. They didn't even ask for a copy of the payment arrangements or proof of my payments they took their word for it and now I can't file another dispute or upload the documents because it is closed.
01/08/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30082	Web
I recently pulled a copy of my credit file and notice some inaccuracies on my report. I have account that is showing repossesion. I have never did any business with this company that is reporting this information on my credit file. I do know that it causing a lot of damage to my credit file. I have taken the steps of contacting the company and the bureaus about this matter. However neither of them never responded to letters I have sent and the phone calls that I made the companies representatives kept brushing me off. So I have no choice but to contact you guys because I totally believe my right is being violated.Please help me clear this matter up.
07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80538	Web
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
01/09/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	GA 30253	Web
Company refused Police Report and Identity Theft Report on several occasion dating back to XXXX to Present. Several Calls were made to my cell phone due supplying the company with a copy of current Driver 's License, Social security Card and contact information to resolve this issue instead the account was just update with my personal information that was requested by the company after sending a Police Report and Identity Theft Report after abating this information I proceeded to get phone calls regarding the fraudulent account asking when I 'm going to pay it and that if I did n't pay they were going to press charges on me and garnish my wages.
12/22/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	MS 38671	Web
On XX/XX/2022 I entered into a simple retail installment contract with XXXXXXXX XXXXXXXX XXXX XXXX also known as Bridgecrest. I was mislead to believe that I needed to commingle a cash down payment and that this was a loan. I was told I had to put an cash down payment of {$2800.00} down. I signed a promissory note along with a security agreement which created a negotiable instrument. Earlier this year my vehicle was then stolen by this company they are now falsely reporting and interfering with my pursuit of happiness. There is a great deal of fraud and misreprsentation invovled in this transaction and Bridgecrest/XXXX needs to be held liable.
04/28/2017	Yes	Debt collection Auto debt	Communication tactics Called before 8am or after 9pm	AZ 85258	Web
Bridgecrest called m y cellphone on XXXX / XXXX / XXXX at XXXX XXXX XXXX AZ time and left a message. Bridgecrest called my c ellphone on XXXX / XXXX / XXXX at XXXX XXXX XXXX AZ time and left a message. Bridgecrest called my cellphone on XXXX / XXXX / XXXX at XXXX XXXX XXXX AZ time and left a message. Bridgecrest called my cellp hone on XXXX / XXXX / XXXX at XXXX XXXX XXXX AZ time and left a message. Bridgecrest called my cellphone on XXXX / XXXX / XXXX at XXXX XXXX XXXX AZ time and left a message. I have the messages saved on my cellphone. None of the messages were for me.
09/13/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 96003	Web	Servicemember
The loan company, Bridgecrest, set me under the SCRA due to being XXXX XXXX military. The company did not submit a court order in order to repossess the vehicle, as stated it is needed in the Act. I have been working with an XXXX XXXX and reserve attorney, but was stated to reach out for assistance on CFPB as well in order to resolve this as quickly as possible. Vehicle was repossessed on XXXX XXXX, and they have not responded to my attorney 's letter of representation and memorandum stating they were in the wrong to repossess the vehicle. I have been without a vehicle since and have struggled to find means of transportation to and from work.
07/25/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AZ 85037	Web
I got my car and shortly after I was fired. I called my lender right away to ask about my option and they said I could do anything because I had not made 6 payments towards my loan. I explained to them that I was not going to be able to do that as of now and they said that there was no other options. I called today XX/XX/2022 to let them know I have still not found a job and I was told that my car would be repossessed and that I didn't have any options to keep my car. Every time I call to see how I'll be able to keep my car they just tell me it's too bad and that there's nothing to be done other than to pay them so they don't come get my car.
08/20/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30311	Web
When the vehicle was purchased, we were not clear as to how "simple interest" would be calculated. We are paying 22% interest in a vehicle that should be more than half way paid off by now. We have made 72 payments of XXXX on the initial purchase of $XXXX. We were told that $XXXX of each payment went to the principal balance. That would leave a balance of around $XXXX remaining. However, the payoff for the loan is $XXXX That's a difference of about $XXXXWhen we purchased the vehicle this was not explained to us. It is a fraud to tell people that they are paying money toward the principal and then not apply the funds to that balance.
03/15/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33034	Web
I purchased a vehicle and the loan company was bridgecrest it was in XX/XX/XXXX the loan was for 47 months last payment was given onXX/XX/XXXX I finished paying the vehicle the loan was for {$10000.00} dollars the monthly bill payment was {$320.00} a month they say I owe them XXXX dollars I owe nothing they would not report to the credit Bureaus all the months I payed even when late due to trying to fix the vehicle since purchasing it the vehicle was always broken it stopped working after 12 months and I still continue to pay it it was parked in the front without using this is affected my credit I tried to dispute and speak to them they wont
01/20/2024	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NJ 07103	Web
The mentioned account ( Brigecrest Auto ) states that the account was delinquent on numerous dates, that the vehicle was recovered, and that one or more statements are inaccurate. If the company reports that the car was repoed it should show when the vehicle was sold or redeemed it shows neither in my credit profile. I spoke with Bridecrest directly and the representative informed me that the vehicle was scrapped and could not be recovered, so in regards to this being the case how can ( Bridgecrest Auto ) be reporting that the car was repossessed, I would just like this company to work with me in stating the facts with dealing with account.
05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89135	Web
Dear XXXX/Bridgecrest. Account # - XXXX I XXXX XXXX, consumer and natural person, am aware of all my rights. Rights protected by congress under the Fair Credit Reporting Act ( FCRA ) In accordance with the Fair Credit Reporting act XXXX XXXXBridgecrest- Account # - XXXX, has viol ated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan AS LATE FOR ANY PURPOSES.
06/24/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 21113	Web
In XXXX I made 3 payments to the loan company and they sent me the legger showing that all those payments went towards interest and they did not apply anything to the loan amount. The loan amount somehow increased from XXXX to now over XXXX somehow and I have never missed any payment. They continue to mention the coronavirus pandemic when I lost my job and they had to extend those payments. I contacted multipe other loan providers and they told me that this company ( Bridgecrest ) is reporting to my credit that I am only paying 2 % interest when in fact it is 20 % according to my documents. I need a full investigation done on this company.
02/27/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 75006	Web	Servicemember
Company name : BRIDGECREST FORMERLY XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX Case Date Opened XX/XX/2017 Case Date Closed XX/XX/2017 I purchased a vehicle from XXXX and was in a serious accident, the vehicle was totaled. I had full coverage insurance on the vehicle and therefore, XXXX was paid in full by my car insurance. Bridgecrest remarks that the car was " PAID THROUGH INSURANCE '' Bridgecrest notes the Pay status is " Account paid in Full ; was a Charge-off '' I disagree that this is a charge-off since the the account was paid in full by my insurance and shows a balance of {$0.00} and a monthly payment of {$0.00}.
09/21/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AL 366XX	Web	Servicemember
I looked up deferred payment on the wed site of Bridgecrest and call as asked for one. I was told they do not have a deferred payment plan at this time. I asked to be transferred to a supervisor and she told me I had to provide documentation before deferred payment could be provided. If a company has a deferred payment plan it should not require consumer to provide proof before even considered. Deferred payment only moves one payment to the rear and should not be hard to do when the consumer payment record shows no late payments or missed payments. I am a XXXX veteran and to see a company not provide services to consumers is unacceptable.
06/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 381XX	Web
iN XXXX OF 2021, I paid this loan off in full of XXXX dollars they never sent title to car, and they have reported me as 30 days late which is inaccurate. I have reached out several times over a year asking them to remove the late payment and send my title. Each rep who answers call never gets me a call back to discuss this matter, I was a faithful payer and paid car off under 6 months. I have asked Bridgecrest to please remove that XXXX late payment reflecting on my records. They refuse to send an update to the credit reporting companies about the in accurate late payment in XXXX of 2021. How can i be late when car was paid off in full.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93308	Web
BRIDGECREST Original creditor : tried disputing this with XXXX and XXXX. I filed lawsuit against XXXX, XXXX XXXX, and Bridgecrest and settled this debt with an attorney XX/XX/2022 yet still appears on credit report and on XX/XX/2022 Bridgecrest attempted to sieze property and XXXX a 3rd party attempted to call and harass me about the property. I was unable to get information from Bridgecrest when I called they said debt written off XX/XX/2022. I have been disputing this with XXXX and XXXX but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.
07/11/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	DC 20020	Web
My vehicle was stolen in XX/XX/2022. The insurance company declared a vehicle a total lost and issued payment to the lien holder. The vehicle was paid off by the insurance company however the lien holder sent a delinquent account notification in XXXX. When I spoke to the lien holder, the company explained, no payment was due the notification was sent in error. I continued to follow up weekly to validate the account was paid in full. They confirmed on multiple occasions no payment was due. I recently went to purchase a new vehicle and was told a late payment is reporting on my credit. There was never a late payment made on my vehicle.
04/27/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TN 381XX	Web
according to fdcpa reporting a late pay when collection accounts are close ended and can not be late also bridecrest reported an incorrect balance updated date for XX/XX/XXXX XXXX i never contacted them and they are re-aging the account. i attached the screenshot from experian credit report to show this. the report says the car was repossed in XXXX of XXXX, then it says Repossession. {$7800.00} past due as of XX/XX/XXXX. then it says Balance updated XX/XX/XXXX which means i agreed to a payment arrangement with them on XX/XX/XXXX which i did not. i have never contacted them for a payment arrangement they are re-againg the account
08/05/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 15132	Web
Bridgecrest XXXX 3rd Party Allegedly states I the consumer natural person owes an alleged debt of {$19000.00} with their company on XX/XX/ I the consumer extended credit to the company XXXX XXXX for a consumer transaction in exchange a used vehicle. These companies violated Federal Laws, TILA, FDCPA, & FCRA. I the consumer delivered to the company legal documents and evidence of their violations and my non obligation to such debts. They also used abuse and misleading information to force I the consumer natural person into complying with their demands and regulations. A breached of my privacy has been initiated on their behalf as well.
09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 770XX	Web
Incorrect information on my XXXX, XXXX, and XXXX report ; However I have sent in documents back in XXXX to remove the unknown two hard inquiries reports and out-of-date inquiries items from my credit report ; I also reached out to companies that are over the statute of limitations. Also, a few items do not know the debts. I also have filed with OCC/ FCRA and Texas General Office . Statute of limitation is required to be removed from credit reports. I never received an investigations report! I have received emotional distress/violating my rights by the behavior from the debt collectors this has caused me hardship, stress, and anxiety.
09/22/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	OH 432XX	Web
I have contacted all the credit bureaus on numerous occasions to have an account removed from a debt collection agency by the name of Bridgecrest Credit Company. I have sent letter and emails to the debt agency as well as the credit bureaus asking for them to fully verify this account being mine with original documentations and signatures in a timely manner. I have n't received a proper response. I have been disputing and asking for validation since XXXX/XXXX/XXXX. I as a customer have the right to know who and is attempting to collect alleged debt and why. I have been ignored, and have n't been reviving no response and its shameful.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60419	Web
You have clearly ignored my last complaint. I am asking for your company 's policy and procedures to ensure you following FEDERAL LAW. This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that i had the option to opt-out of sharing my personal information to third parties. You have knowingly and willfully with held information that explained I the consumer can exercise that non disclosure right. You are in violation of federal law.
05/21/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	VA 22033	Web
I had a loan through Bridge rest financial for a XXXX XXXX XXXX which I acuired in XXXX of XXXX. All of my payments until the last 30 days have been on time. I recently traded my vehicle in on a brand new one. Part of my financing included paying off the XXXX. I told Bridgecrest that the vehicle had been traded in and I no longer possesed the vehicle. They have been relentlesly hounding me with phone calls about their money. I've explained that the dealer would pay the vehicle off within 10 business days. This wasn't good enough for them and they continue to harass with phone calls on a daily basis! How do I make them stop calling?
08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MN 55404	Web	Servicemember
US DEPT OF EDXXXX XX/XX/XXXX {$10000.00}, XX/XX/XXXX {$4100.00}, XX/XX/XXXX {$4000.00}, XX/XX/XXXX {$3800.00}, XX/XX/XXXX {$2900.00}, XX/XX/XXXX {$2500.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$1900.00}, XX/XX/XXXX $ XXXX {$32.00} THIS COMPANY IS REPORTING INACCURATE INFORMATION SUCH AS MY NAME MY BIRTHDATE MY SOCIAL MY ADDRESS AND WHAT SCHOOLS I ATTENDED. I HAVE CONTACTED THEM NUMEROUS TIMES CALLING SENDING LETTERS ETC. THIS COMPANY HAS SEVERAL MISSPELLINGS OF MY NAME SEVERAL SOCIALS AND MULTIPLE NAMES THAT DO NOT BELONG TO ME.I AM UNABLE TO OBTAIN ANYTHING IN MY NAME OR ASSIOCIATED WITH MY NAME DUE TO THESE INACCURATE INFORMATION
08/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30017	Web
I was a customer of Bridgecrest from XX/XX/XXXX to XX/XX/XXXX. The loan was paid off. Bridgecrest is reporting an error to XXXX. Bridgecrest is reporting DATE OF FIRST DELIQUENCY as XX/XX/XXXX. This is not correct. This was recently changed by Bridgecrest. On previous reports the DATE OF LAST ACTIVITY was XX/XX/XXXX, which is correct because this is when the account was officially closed. This is hurting my credit rating because it appears I have a recent delinquency. I have filed a dispute with XXXX to have this corrected and Bridgecrest confirmed the error as accurate. This is inaccurate and is a FCRA violation called re-aging.
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 152XX	Web
UPDATE TO CLIAM # XXXX UPDATE TO CLIAM # XXXX UPDATE TO CLIAM # XXXX BRIDGECREST IS IN WILLFUL VIOLATION/ NEGLEGENCE AND NONCOMPLIANCE under its fiduciary duties as a FINANCIAL INSTITUTION under the Regulations of the CFPB and 12 CFR 1016.15 ( 1 ) -- 12 CFR 1016.7 -- 12 CFR 1016.10 -- - 12 CFR 1016.4 -- 15 USC 6802b ( B ) ( C ) -- 15 USC 6803 -- 15 USC 6804 -- 15 USC 6801. BRIDGECREST has claimed they will not honor my direction to cease reporting and have referred to there alleged lawful agreement giving them the authority despite their obvious failure to meet the requirements of a FINANCIAL INSTITUTION under these provisions.
09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20016	Web
Bridgecrest stated that the balance on my account is due to the XXXX deductible which ally only covered XXXX and the insurance didnt however the insurance company took the XXXX deductible out of the settlement check before they even paid Bridgecrest so Im still confused as to how do I have a left over balance on my account when there was no deductible included in the first place the settlement amount that the insurance settled for was XXXX when they subtracted the XXXX dollar deductible that left a balance of XXXX so again Im confused why they are saying the balance left on my account was the amount the insurance didnt cover
12/11/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92394	Web
I have a car loan with Bridgecrest ( XXXX ). My payment was due on XX/XX/XXXX. I have my bank information store in my account and submitted a payment on the XX/XX/XXXX. On the XX/XX/XXXX I received an email stating my payment was returned for insufficient funds. I contacted my bank and was told they never tried to take the payment until XX/XX/XXXX. When I spoke with a representative she told me when they ran it my account was closed but she could n't provide me with that proof. They reported my payment late and I owe them a XXXX $ late fee. I feel this is unfair to me because I 've been making my payments on time twice a month.
08/10/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MD 21207	Web
I purchase on loan the XXXX XXXX XXXX with the Bridgecrest XXXX XXXX XXXX ) company on the XX/XX/XXXX and paid for some of the loan but could make it due to lack of enough money until they came and reposes the vehicle on the XX/XX/XXXX at the amount of {$16000.00} with a compound interest of 23.99 % because i didn't have enough credit score at my first purchase. Since then the company has been charging me on daily interest and my balance now is showing {$26000.00} on the credit report. This is stopping me from getting any auto loan anywhere. Please a very good positive answer will help me move forward with my life. Thanks
10/01/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OH 452XX	Web
I logged in to my online account on XX/XX/2019 in order to find details of my loan balance and interest rate. A simple monthly statement for viewing or download would have been fine. But that was no where to be seen online. Absolutely no where could I find my interest rate. I called the company to ask for a statement on XX/XX/2019 and was informed that they would not provide a statement. They offered to mail/email me my original paperwork and a copy of the payment history. I stated that it seemed odd that they could/would not provide a statement. The representative had no explanation or idea why this would not be provided.
08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98607	Web
I have been making payments from my bank account for over 18 months on autopay. This month the company had difficulty taking funds, as detailed to me from the employee. I called multiple times to verify my funds were being processed and all was secure. Continually got the clear. Then they call today to tell me they no longer work with my bank and Im past due/marked my credit. Ive had the money in my account, Ive made the payments through their system, Ive been assured by their employees, now they hit me with a delinquency when they stopped working with my bank. Additionally charged me fees! This company is corrupt and sick.
12/10/2021	No	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX 77063	Web
I am a Secured Party Creditor, I am the Executor over the trust, I have a NOTARIZED Private Security Agreement filed on record with the United States. A trust is mentioned in the FAQ of Bridgecrest Credit CoXXXX A trust document was sent to them with a Private Registered Setoff and Discharge Bond ( tracking # 's included ) to discharge the debt. A photocopy of the green card sent by certified mail ; the Secretary of the Treasury XXXX XXXX received ; to discharge the debt. A copy of the HJR 192 Bill that was passed XX/XX/1933 ; proof to discharge any debt dollar for dollar. I accepted for value with signature UCC 1-308...
09/14/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CO 80247	Web
I received a pay off quote on XX/XX/XXXX for my XXXX XXXX XXXX. I git approved for the XXXX payoff from my credit union. I.mailed the check off to them on Thursday XX/XX/XXXX. I called them all the following week and they kept saying they hadn't received the check. I finally demanded that someone reach out to the dept that the checks go to and pull my check and post it. They are trying to say I still owe money while they held the check up deliberately to get more interest in my opinion. The check is dated for XX/XX/XXXX, so the check is within the 10 day payoff quote. I need them to release my title and clear my loan
07/23/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 32208	Web
My car was repo and sold on XX/XX/2019. I received a letter stating the amount owed after resale was {$8000.00}. I made small payments but it was still sold to a debt collector. The debt collector is now reporting that the loan is open and is increasing every 2 weeks by {$50.00}. They are now reporting the loan as {$20000.00} with no payments made. It had made my credit drop XXXX points and still gradually increasing. I called for them to report the correct amount and I have had no solution. The original creditor wont give me any information because they said they sold the debt. This is causing problems in n my life.
02/01/2017	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	GA 30331	Web
Correspondence to myself and husband, for the same account, can go up to XXXX calls and or emails a day starting promptly at XXXX am ending at XXXX Same company from multiple different phone numbers. XXXX calls. XXXX calls ... XXXX particular rep named XXXX calls once every day leaves a message. If she cant leave a message she will call back XXXX more times. Then there are XXXX other employees that call from different numbers. To each of our phones. And then they email as well.All from the same company. We have mentioned it to the company several times. They begin collection calls day of bill due until paid in full.
10/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60563	Web
According to consumer law, they have violated my rights. I asked for my personal information not be shared with any another reporting agency. - [ ] 15 usc 1681 B : permissible purpose - credit furnishers can not share consumer information without the consent or written permission from consumer ; persons who knowingly and willing obtaining information on a consumer from another consumer reporting agency under false pretenses ) shall be fined under title 18. ; - [ ] 15 usc 6802 : rights to privacy. Obligations with respect to disclosure of personal information.. they are in violation and I want to persue legal action
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27127	Web
Bridgecrest cites the date last paid is XX/XX/2020 when my last date of payment is XXXX they are re-aging debt- they and XXXX and thats illegal . Per 15 U.S. Code 1681s ( a ) 1 ( A ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX is wrong and is infringing on my rights. This IS NEW AND RELEVANT! I deserve a fair investigation.
06/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MO 64118	Web
Im not sure whats going on or who this company is. I sent a cease and desist dated XX/XX/2022 requesting verification of this alleged loan and the company never followed my instructions, only sent a copy of a contract that they are not listed in. By law they had 30 days to provide me that information or to cease all collection activities, which includes reporting information to the credit reporting agencies. They have continued to violate my privacy by reporting and have neglected my concerns as a federally protected consumer. I called and no one is able to explain why Bridgecrest is not on a contract they sent me.
07/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 23227	Web
I made the payment for the loan with Bridgecrest the day before it was due. My checking account as well as Bridgecrest sent me 2 emails confirming they received the payment. I have received multiple calls from them stating they never received the payment and threatening to take my vehicle. I sent them as much information as I could that I had even speaking back and forth with my banking institution to get them what they needed. They were not very helpful just kept repeating themselves. I am a new customer with this company and having problems like this is bad business. I will be reaching out to legal counsel.
01/31/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IL 622XX	Web
Good afternoon, XXXX XXXX from Bridgecrest called on Friday, XX/XX/2024 during my work hours where I can not answer my phone during my shift. I returned her phone call on the same day at XXXX. I tried reaching out to her on several occasions for a few days now and left several voice messages and she failed to return my phone calls. My car note is due on Friday, XX/XX/2024 in the amount of {$350.00}. Im not sure if I should continue to pay it until they get their paperwork straight or wait until I hear back from them. What should I do? Thanking you in advance for your prompt assistance. Sincerely, XXXX XXXX
11/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MO 64118	Web
I contacted Bridgecrest Acceptance Corporation on XX/XX/ and no one was able to answer any questions I have about this alleged debt they are attempting to collect. I spoke with XXXX and XXXX in the executive resolution department. They used obscene and profane language stating I was late on this alleged debt. I was told that XXXX in the compliance department was out of the office and would contact me on XXXX however, I have heard from no one regarding this matter. They are practicing without a debt collectors license and I have proof from a government official that states I owe no such debt to this company.
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 02360	Web
I have a vehicle loan out from Bridgecrest through XXXX. I have late payments on my credit report from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. Also I have late payments from XXXX, XXXX and XXXX of XXXX. This was due to XXXX XXXX and me getting laid off from work and Massachusetts being so far behind on paying in employment. I contacted Bridgecrest to get them deleted off my report because of XXXX XXXX and they will not. I still have my vehicle loan through them and pay it on time every month. These late payments are really holding me and my credit back and I would like them deleted.
06/19/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85202	Web	Servicemember
XXXX a car company advertised delivery of a car on a certain XXXX XX/XX/XXXX but did not deliver until XX/XX/XXXX XXXX i received a very threatening email regarding amount od down payment which they told me XXXX then said I owed another XXXX I paid the amount when I said I no longer wanted the car I was threatened with sending car to auction and I would be responsible for amount left over. Over the time of car note i have been called day and night and at several times after XXXX XXXX and I had to ask for my contract which showed and diffrent amount owed added on extra interest plus added to my credit score
07/19/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NJ 08865	Web
Recently, I tried to apply for parent plus loan to help pay for my daughter 's college expenses. I was denied the loan amount because my car was repossessed from XXXX XXXX ( also known as BridgeCrest ). The car was taken and sold leaving a balance of XXXX. I requested a letter from this company to show that I have made more than 6 months worth of payments on this account. The company refused to return any communication and did not grant my letter. In addition, I notice that this account was forwarded to a legal collections account who has applied an extra XXXX to this debt. What? This is not my account.
11/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 856XX	Web
On XX/XX/2019 I received a letter from Bridgecrest about the status of my account # XXXX. Bridgecrest states that the status of the account is " Bankruptcy Chapter XXXX Discharged ''. After checking my credit report, the account dos not show as Chapter XXXX discharged, which leads me to the assumption that Bridgecrest did not report it to the Creditbureaus as such. They also state that my interest rate is 8.859 % annual, but I think the interest rate was raised significantly by Bridgecrest. We agreed that I can keep the vehicle, even if Bridgecrest denied a reaffirmation during my bankruptcy several times.
08/06/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33411	Web
I traded in the vehicle that I had financed with Bridgecrest at the XXXX dealership that I purchased my new car from on XX/XX/2021. XXXX sent the payoff check to Bridgecrest and they received it on XX/XX/2021. Due to Bridgecrest claiming theyre are behind in processing and applying payoff checks, they have yet to apply the payoff check, that they received on XX/XX/2021, to my account. Meanwhile, they are calling me daily from their collections department requesting that I pay the carnote on the car that has been traded in/the car that they have received payoff check for nearly a month ago. Please help me.
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 291XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
07/18/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31088	Web
Bridgecrest had made loan modifications and payment agreements with me during the Covid -19 pandemic, I informed Bridgecrest I was unemployed and sick. As per the 'Cares Act ' Fair Credit reporting addendums, I am and have been asking for he 'Late Payments ' to be removed, it is having a huge negative impact on my credit report and score from all three credit bureaus, XXXX, XXXX and XXXX. Bridgecrest has not removed the 'Late Payments ' for the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89052	Web
I disputed with bridgecrest about being late a third time. I was not late and have proof I paid when bridgecrest told me to. Now there new emails after i complained about being reported incorrectly have a time on a certain date to pay by as opposed to a simple pay by or on this date. Bridgecrest added remarks to my account about a reinvestigation and that i dispute the account information which I do however from my research disputes are not supposed to lowed my credit score. XXXX according to XXXX XXXX reduced my score by XXXX points for this dispute and that is not ok. I want an explanation of this.
06/28/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 76052	Web	Servicemember
I had changed my phone number and was unable to access my account online for a few months and so in lieu of online payments I submitted payments for 3 months in a row via XXXX XXXX XXXX 's bill pay. XXXX XXXX XXXX confirmed all checks were paid out and delivered to Bridgecrest 's billing address and cashed. Yet - my account was continuously reported late and never reflected the payments ( all delivered on time ). I reached out to them via text and email and sent letters - provided copies of the bill pay receipts/confirmation and they still have yet to correct the balance and incorrect reporting.
05/20/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	TX 77494	Web	Servicemember
A collection company by the name of Bridgecrest have taken over a car loan that was bought at a company name drive time, at the time the loan was taken I was serving overseas in the military, apparently my son who went to purchase a car basically thought it was ok and used my documents together with his mom to purchase the car, the report since then have fallen of his credit, under no circumstance I should be responsible for something I have no knowledge about or was in the environment at the time it happened, Im asking that everything be done to assist me in having them delete that from my credit
05/12/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92804	Web
I have an auto loan from BRIDGECREST, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BRIDGECREST and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BRIDGECREST with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
06/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89148	Web
I was in a auto accident in XXXX of XXXX I was rushed to the XXXX XXXX XXXX anyhow the car was deemed a total loss. My insurance company took time paying off the balance of the loan plus I had XXXX and, Did make payments. I filed a complaint on XX/XX/XXXX with CFPB XXXX Bridgecrest sent a letter and, attached that same letter to complaint XXXX stating they were going to report to all major credit bureaus with 0 30 0 60 0 90 paid and, closed, and they did due that for one month only and, as, soon as the CFPB complaint was closed bam they reported same negative that they removed to my credit report
08/13/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19013	Web
the Retail Installment Contract has several violations of the Truth In Lending Act, all under the determination of the finance charge. Also note, an affidavit of truth was sent dated XX/XX/2021 and the company received it on XX/XX/2021 via XXXX certified mail, however the company has responded with a vague and general response in addition to not rebutting the affidavit of truth with a statement of truth. A sworn statement of fact or affidavit must be rebutted, point by point XXXX XXXX vs. XXXX of Alabama CR-05-1846 ) or it will be determined as truth and judgement to the benefit of the affiant.
04/13/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 15136	Web
So, I NEVER knew that my monthly payment was {$490.00} until this XX/XX/2020 payment that was reported late, based on my contract with XXXX my bi-weekly payments are {$220.00}, based on the number of payments due and the amount of money I have payed this company up until XX/XX/2020, I was in belief that I was ahead and the micro payments were maintaining my account. This contract is set up for the listed monthly payments to never be made in full on a monthly basis, its structured to fail its customers, to fulfill the listed monthly payment amount my biweekly payments should have been {$240.00}.
12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
XXXX is in violation of my consumer rights. List of Violations : Pursuant to the privacy act of 1974 it states no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request. 15 USC 522A 15 USC 1681b permissible purposes of consumer reports Pursuant to 16 CFR 313.7 privacy of consumer financial information 15 USC 6801 protection of non public personal information I would also like to opt out under 15 USC 6802-6805 obligation with respect to disclosures of personal information.
02/11/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 21207	Web
On XX/XX/XXXX I had certified mail a NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT. Bridgecrest had continued to violate my rights. On XX/XX/2023 I had received a bright yellow colored envelope in the mail. The contains in the envelope was a response from my CERTIFIED MAIL. Below are actual documents from Bridgecrest. Im the envelope Bridgecrest didnt send me the information that I had requested from the company. Instead Bridgecrest had sent a copy of the alleged vehicle loan. Below are information in which would help with this investigation.
10/11/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	GA 30215	Web
I financed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was repossessed on XXXX XXXX XXXX XXXX XXXX, Bridgecrest sent a statement stating the vehicle was sold for {$33000.00} and was applied to the remaining loan balance of {$24000.00}. Their own statement ( dated XXXX ) says a surplus balance of {$8900.00} would be returned to me via a check. On XXXX I called Bridgecrest and they informed me they discovered repairs that they could not name that equaled the EXACT amount of the surplus to the XXXX and thus they would be keeping the {$8900.00} surplus that their own statement said was due to me.
11/07/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77014	Web
I purchased a car from XXXX XXXX in XXXX Texas. XXXX XXXX, 2014 I got behind on my payments, I am a college student, they repossessed the car. I paid to get the car out of repossession. I have been paying and am still paying on the car, however, no purchase or payments are showing on my credit report. It is like i am paying on a ghost car. When I called Drive Time/ Bridgecrest, they say they ca n't post the payments on my credit. I just found out about this when I went to go to purchase another car and the y ran my credit. The car is not on my credit report and now it is having repair issues.
11/11/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 95382	Web
On XX/XX/2022, my final payment to Bridgecrest cleared my bank. I was immediately shut out of their online portal, so I can no longer see the status of my loan. Their customer service says it will be XXXX business days from the XXXX before they can verify that the payment was good and that nothing further is owed to either party. After that, they will issue a letter releasing their interest in the vehicle. In this day of instant electronic payments, how is this justifiable? I need to sell this vehicle soon, but cant even show prospective buyers that the vehicle is paid off via the website.
09/29/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33612	Web	Servicemember
I reached out to Bridgecrest Financial in regards to an auto loan that was charged off and Bridgecrest Financial considered the debt a loss on their profit-and-loss statement in XX/XX/2018 to try and settle the account and they informed me that they do not take settlements and will not settle this debt. The account shows up on my credit reports as charged off as bad debt and reported as a loss by credit grantor for {$8600.00}. I do not understand why they will not take a settlement when they have already considered the account as a loss and wrote it off on their profit and loss statement.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38127	Web
I am not liable for this debt with XXXX Bridgecrest Acceptance Corpora. I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as I requested. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 US 1681. XXXX Account # XXXX has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
03/31/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NC 28226	Web
BRIDGECREST FORMERLY XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX is reaging my account. On my credit report it shows that I made a payment on XX/XX/XXXX. After submitting a dispute to the credit bureaus on XX/XX/XXXX and providing proof from my bank statements showing that no payment was made, they advised that I would need to take this up with the agency. I have sent them certified letters on XX/XX/XXXX and XX/XX/XXXXin regard to validating the debt ; no has responded to me or the letters come back because the XXXX that they advise me to send this to is not a valid address.
02/20/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	IL 60060	Web
During covid, and loss of my job, I had 2 months past due combined into a payment plan that spread payments over 12 months to catch up. This was a written agreement to do so. However Bridgecrest kept reporting each subsequent month to the credit bureaus as past due up to 120 days when ALL payments during that 12 month period were paid on time in included the additional amount to cover the 2 months past due. They refuse to amend the reporting to show the payment history as an on-time payment and instead my report shows 12 payments past due when it should have been 2 in a 14 month period.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 15132	Web
In accordance with the Fair Credit Report Act, Bridgecrest, has violated my rights under Title 15 U.S.C.1681 section 602 a ( 4 ) which states I have the right to privacy. In addition, there was a second violation under the same FCRA, Title 15 U.S.C 1681b section 604 ( 2 ), which indicates a consumer reporting agency can not furnish an account without my written instructions. These violations were conducted in XXXX XXXX on my credit report. Under FRCA 15 U.S.C 1666b, a creditor may not treat a payment on a consumer account under an open end consumer credit plan as late for any reason.
05/25/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77449	Web
On or around XX/XX/2019, XXXX XXXX placed a collection on my XXXX credit file. Upon further research, I found out this account transferred or sold and I am is no longer responsible for the account. XXXX XXXX has failed to show details about age and of the debt from original creditor, a detailed explination of any interest added or payments and legal authorization for this interest, the date the original creditor claims this debt became delinquent. According to the FCRA, XXXX XXXX has violated my rights as a consumer. I am requesting legal action to remove this account immediately.
03/22/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NC 28031	Web
Bridgecrest didn't respond in a timely manner nor did they send the debt validation that I requested via mail on XX/XX/2022. The first time they reached out to me was when they received the complaint from the Consumer Finance Bureau and told me that they responded to the letter to validate the debt and that I would receive an email of the information I requested within seven days. Bridgecrest also tried to obtain information that they already stated that they had validated. I sent a validation letter prior to them sending an email with a settlement request with the wrong name on it.
01/15/2024	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	NJ 07103	Web
I have contacted Bridgecrest on a number of diffrent times to try and fix this account .I contacted Bridgecrest and explained to them in detail the car was totaled and recovered at a tow place in XXXX XXXX I tried to get info on the car they would not give me and I tried to go though the police department still no help.Bridgecrest is reporting on my credit report that the car was repossessed/recovered and that is inaccurate .The car was never recovered and I was never sent XXXX documents about the car .Bridecrest is XXXX of the worse companies when dealing with customer service.
06/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 19131	Web
I got an auto loan through XXXX via Bridge-crest XXXX summer 2022. The lender has charged me a {$30.00} NSF fee every month since I got my auto loan. I have spoken with my financial institution and was assured that payments were indeed made. even though my financial institution has proof of those payments being received by Bridgecrest, Bridgecrest has continued to charge me the fee. I have reached out to Bridgecrest every month with no real explanation being given as to why they are doing this. When I login to my Bridgecrest account, the payments were received. Please help!
01/01/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	OH 43230	Web
This company illegally repossessed my car with all of my possessions inside. They tried to get me to make cash payments via XXXX instead of through the verified website. They would constantly give incorrect information about my balance due. They have reported to my credit that I did not pay when I have bank statements that prove when I paid. I was paying on the car for XXXX XXXX and they would not send me the information to register my car. Therefore, I was paying on a car I could not drive. This company is doing illegal practices and needs to be highly regulated or closed.
01/29/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 90606	Web
Bridgecrest issued my car loan with a XXXX % APR. The contract is simple interest. They do not send monthly statements. I have to call in and request a payoff quote plus the history of payments. In this history I see that despite being up to date with payments the amount of the payment applied to interest increases each month. Even when I pay earlier than the due date almost XXXX percent of the payment is going to interest. I last contacted this company on XX/XX/21 and the representative could not explain why my interest rate is higher even though the total loan amount is lower.
05/31/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 60402	Web
I did numerous attempt for them to validate this debt and if this was done legally in my state ask for proof of sale and ammount sold to they send me 4 times nothing related of what i ask for and if they have the legal right to collect in my state the last letter i send them specifying what i needed as show in the upload picture of what they send me is more then 120 days of requesting a validation of collection under my name and contract of sale i will upload proof supporting my request. I send enough evidence of my indentity and i try communicating with them by mail ever since
09/17/2020	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75050	Web
I am filing this complaint because I have requested in writing that all over payments be applied directly to my principle balance. I was advised that they could not accept a written request to apply my payments as requested. I would have to call on after each payment and verbally state that I want the over payments applied to the principle balance only. This is a waste of my time and I feel that if I put it in writing that should be sufficient enough to have my payments applied as requested. If I forget to call in that will be money in their pockets which is stealing from me!!!
08/06/2020	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77396	Web
Bridgecrest tried to have my car towed and failed because it was lifted in the state of Texas with my minor in the car made a whole scene by breech of contract, police were involved and the court case was closed due to me not being served. However today XXXX the finance company showed up with my apartment manager ( XXXX XXXX ) trying to facilitate a repo with a XXXX year old! Telling my son they are here with the finance company that wants the car back! That is inappropriate communication and involving a third party instead of restarting the legal process on this civil matter!
12/01/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NJ XXXXX	Web
I purchased a vehicle from XXXX, my first payment was due on XX/XX/2021, on XX/XX/2021 I called to let them know that I mailed out a payment. On XX/XX/2021 they came and picked up the car because they said I defaulted on my first payment. I tried to explain to them that I did mail the payment, no want wanted to listen to me. All they are saying is that I need to pay the full balance of the loan, in order to get my car back. They are not even trying to let me explain what happened, the lady said they tried to reach me and I explained to her that I was not available due to XXXX
04/21/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	OH 43035	Web
I called the bank informing that my job was terminated and I am waiting to receive money from unemployment. The rep said that there was nothing they could do unless it was a few days before my next payment was due. I asked if we could set up an arrangement so that my credit stays in good standing. She said that " you're account is on current and on track, and there is nothing we can do unless payments default and we report it negatively to the bureaus. '' I thought that was wrong because my account had to be in a bad standing before they would assist me or give me options.
01/31/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	SC 29617	Web
XX/XX/2023 I initiated a consumer credit transaction with XXXX. I received an " Conditional Approval '' stating that I had to put {$4700.00} down. Truth in Lending ( 15 USC 1602 ) defines credit as the right granted by a creditor. Creditor defined in Truth in Lending is a natural person and am a natural person. Further more it is illegal to require a down payment that's a violation of 15 USC 1662. This is unjust enrichment because I the consumer extended credit and did benefit from it and that is deprivation of my rights which means they have the criminal law 18 USC 242.
03/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MI 48111	Web	Servicemember
On XX/XX/XXXX I spoke with a representative regarding late payments to my account which shouldn't have appeared on my credit report due to a loan modification that was made during Covid. A hardship was offered that was covered under the CARES act. She asked that I email a copy of my credit report showing late payments and that within 10days would be corrected. I've yet to see the correction of late payments that qualified as loan modifications for the following dates. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Attached is the email that was also sent XX/XX/XXXX. Thank you.
04/25/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 77489	Web	Older American
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX and was presented a Fact Report saying that the car was being sold because it had only one rear end accident, however after having to purchase 2 tires in 4 months and thinking having a front end alignment. Was told by the repairman the car had a bent frame the results of a front end collision, needed to have repaired. However could not having a {$460.00} monthly note. Asked for a note extension was denied by Bridgecrest Financial wanted to work problem out but requested extension was denied. Car was purchased from XXXX. please
01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10012	Web
Greetings I am writing to dispute and remove unlawful collections, charge offs and closed accounts reporting negatively and inaccuratel, negatively affecting my score and growth of my Personal credit file. I am requesting that it be removed asap on all three credit bureaus XXXX, XXXX, XXXX. I have 17 closed accounts that need to be deleted and removed from XXXX and XXXX and 18 closed accounts need to be deleted XXXX removed also on XXXX reports and credit files. I am contacting you for help and further review of false reporting and aggressive behavior from creditors.
12/13/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64118	Web
Bridgecrest acceptance Corporation has damaged my credit by accusing me of being 30 days past due. The alleged account they continue to report to my consumer reports is under dispute! It is unlawful and a violation of 15 USC 1692e ( 8 ) to report false and inaccurate credit information to my consumer report. It is also a fact that an unrebutted affidavit of facts stands as true in commerce. I have proof that they received a notarized copy of the affidavit of facts on XX/XX/2023 and they have not rebutted the affidavit of facts or produce a remedy for their wrong doing.
10/01/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48091	Web
XXXXridgecrest Financial has failed to allow me to exercise my federal rights and validate this alleged debt pursuant to 15 USC 1692g ( a ). Bridgecrest has honored my cease and desist by stopping communication you have admitted to wrongdoing. A cease and desist has two parts cease of communications and remedy these are not separate. By honoring my cease and desist you shall honor my remedy pursuant to 15 USC 1692c ( c ). Pursuant to 15 USC 1635a my right of recission was not disclosed to me which is a violation. No forms were delivered to me to exercise this right.
11/25/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	IL 60615	Web
GAP insurance covered my vehicle in the event my car was stolen, as well as providing an incentive of XXXX. Consumer is not liable for debt and asked BRIDECREST to provide validity of the repossession and debt for consumer. Under GAP insurance contract through Finance Companys Consumer is not liable for repossession or outstanding balance. BRIDECREST failed to provide proof of information/validity via email or Mail. Bridecrest Removed comment-Reinvestigation in progress from account between XX/XX/XXXX of XXXX XXXX but failed to provide supporting documentation after.
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28212	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28212	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
12/02/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33351	Web
I got a loan from XXXX and the XXXX holder was bridgecrest.I XXXX XXXX XXXX and the car was repossessed on XXXX XXXX also a agent told that I was informed about this .I explained I never receive in paper documentation in the mail in regards to how much I was default by I wasnt able to obtain my things before the car was even sold or afther .Also their a lot of stuff on the contact that was not explained to me .Also they reported XXXX different amount to XXXX different via XXXX and via XXXX.They also have XXXX complete different dates in regards to the repossession.
11/10/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 302XX	Web
Bridgecrest stated that I need to make my payment of XXXX by XX/XX/31, which I did, or they would report my account delinquent. They still reported me 30 days late despite me making the payment as specified. I have a screenshot of it. When I contacted them regarding it, they said that the payment most POST to my account by XX/XX/31, whatever that means, which is why they reported me late. I made the payment on XX/XX/31. They took the funds out of my account on XXXX. I have proof of it and the screenshot I took saying that my payment needed to be made by XX/XX/31.
02/13/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33054	Web
I got the car a few years ago. I paid the company for repair service contract per month. Which meant I should be able to get the car fixed anywhere and not have to pay anything over 100. I kept having problems with the car that I was having problems to get fixed because no mechanics accepted it. I tried taking the car to the dealership to fix it, the would not. I explained to them that I was newly divorced mother of XXXX and could not afford to pay the expensive car note per moth as well as the payments for the extensive repairs. I now have a repo on my credit.
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	NY 11232	Web
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
09/14/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78245	Web
Bridgecrest is reporting this account as pastdue with a balance when it has been charged off and sold to another company. I have requested several times for this item to be deleted due to its inaccurate reporting yet it still remains and continues to negatively affect my credit. This company is associated with XXXX which has a known history of reporting inaccurate unverifiable information on consumers credit files. I have contacted Bridgescrest repeatedly in regards to this account and was told it was sold and no longer accessible to anyone within their company.
03/31/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30319	Web
I recently had my hours cut from Full time to Part time and I explained myself to them asking what could be done to get assistance. They basically told me they can only " extend my due date out a week and a half '' it made no sense!! I pay XXXX per month and they literally call and leave a voicemail every single day. I've asked them to stop and it doesn't stop. Nobody on this earth, thought COVID would happen and for the companies to not have a system in place after almost a year doesn't make any sense and they shouldn't be allowed to harrass people for payment.
01/11/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NV 89108	Web	Servicemember
I contacted bridgecrest XX/XX/XXXX to ask for a defreement as my wife was having XXXX i was told to call back on friday which i did i was told they were not doing that at this time. On XX/XX/XXXX my wife had to go back in for emergency XXXX. I contacted them agsin askung for help again was denied. Then the phone calls started 20 times in a 10 minute period. I keep in contact with them begging for help and denied denied denied. They keep saying ee dont have to help you just pay more i had to pay to save my wifes life i only make so much money. Im a good customer.
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 923XX	Web
On XX/XX/XXXX I got an email from Bridgecrest I will attach it to this complaint for review it says make a payment of {$350.00} before XXXX XXXX or it will be reported 30 days late. No problem I made the payment on XX/XX/XXXX at XXXXXXXX XXXX I will attach the receipt. Now I got alert from the credit burus that bridgecrest reported this loan 30 days late because of {$39.00} past due but thats not what they wrote in the email I paid them what they ask for actually a little over. This is not right I want them to reverse this because they lied to me in the email.
05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 752XX	Web
On my XXXX and XXXX credit report, Bridgecrest ( Account Number : XXXX ) is reporting an incorrect account status as Repossession and reporting a late payment every month. The accurate account status is Charged Off. I requested that this account be updated and the credit bureaus said that the creditor verified this account and it will remain as is. They have now verified it six times. Bridgecrest is deliberately reporting outdated information to intentionally degrade my credit score. The latest status is a charge off and no payment history should be reporting.
10/28/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 023XX	Web
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
12/02/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 023XX	Web
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30135	Web
I contacted Bridgecrest several times, the last time was XX/XX/XXXX asking them to update wrong information they were reporting on my account. Bridgecrest has reported that they last receive a payment from me XX/XX/XXXX when I have made multiple payments. Bridgecrest show that I am 30-60 days late on my account and I am not. Bridgecrest also states that I have been 79 days past due which is a lie. I got COVID extensions from Bridgecrest which stated I would not be penalized credit wise. Bridgecrest has a history of inaccurately reporting on consumers files.
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30092	Web
In accordance with the Fair Credit Reporting Act. This creditor Bridgecrest has violated my rights. -Under 15USC 1681 Section 602, states, I have the right to privacy. -Under 15USC 1681 section 604a section 2. It also a consumer reporting agency can not furnish an account without my written instruction. -Under 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. Please rectify my report and obtain my privacy. Let me know if there is anything else you need from me. XXXX XXXX
08/03/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 30253	Web
I financed the vehicle with Bridgecrest Auto XXXX. I make all of the payments online. In XX/XX/XXXX and XX/XX/XXXX they drafted the wrong amount from account, lower than the actual payment. I contacted them regarding this and they said it would be re-drafted to make up the difference and there would be no affect on my credit. This did not happen and it is showing up as two late payments on my credit. I have paid the less then {$100.00} they forgot to take out out as soon as figured their rep lied to me. This was there fault and they are damaging my credit.
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28311	Web	Servicemember
Improper use of my reports by XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 also states the Consumer reporting agencies can not furnish an account without my written instruction. Under 15 U.S.C 1666b, a creditor can not report a payment as late for any reason. I have late payments showing for XXXX XXXX XXXX XXXX XXXX I explained these payments were late because of not working because of COVID-19
07/26/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77015	Web	Servicemember
I paid my car loan off with Bridgecrest in XXXX of XXXX. They were overpaid by a couple of hundred dollars over. I spoke with a rep. and ask they send my overpayment back to me also verify my present address. Several months past, no refund was not received. I called the company again, and asked what happen to my refund they say the mail came back stating no one lives at the address. We verify the address again and they stated that is what's on their records. Then I assure them, I did not received the refund. Please help me, I paid my debt in good faith.
11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28173	Web
I wrote Bridgecrest on XX/XX/2022 and they responded with a letter that asked to verify my identity which I did on XX/XX/XXXX. I rewrote them on XX/XX/XXXX asking they remedy the situation. I asked they send a copy of the original contract and correct the negligence they've posted on my credit report in addition to sending a check for all their negligent reporting on my credit reports. Why does the CFPB have a website that is supposed to help me mediate and or completely rectify these wrong doings if they get to continue their bad business practices?
09/15/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 32607	Web
So my car was repossessed back in XX/XX/2020 and Ive been paying on this car for almost 3 years. I was pulled over and found out that my car registration is no longer valid because when my car was repossessed the car was never put back in my name. Now Im having a hard time getting the company XXXX to send me the title paperwork to get my registration back on my car. Im still Making payments on my car but cant drive it. Its been 2 weeks and they are still not telling me what the hold up is. Ive been renting a car and I cant afford to keep doing both.
09/23/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX XXXXX	Web
I sent a letter to Bridgecrest asking for verification of an account, they sent me back a letter saying that they did not have enough information to respond. I gave them my name and SS # which is more than enough. They have my physician address, as well as my P.O. Box ( so does the credit bureaus ). They also did not send me a 10 notice of redemption or a notice of sale, which are required by law for all repossessions. They also have my work address, so they had plenty of ways to notify me. My next step is small claims court with this issue. Thanks.
11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32835	Web
Late payments were reported for a car loan by Bridgecrest in which I was severely impacted by XXXX XXXX pandemic. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681, Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666 B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/27/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	VT 054XX	Web
In XXXX of 2021 Bridgecrest placed my vehicle for repossession without warning or any way of settling the unpaid balance to avoid repossession. When I contacted them to settle the debt the first rep could not help me, I was transfered to a supervisor who told me if i paid the past due balance they'd cancel the repossession. I needed to wait one day to be able to make the payment, when I called back the next day they would not accept my payment even though the supervisor had made the guarantee to me. Bridgecrest repoed the vehicle in XXXX of 2021.
03/03/2022	Yes	Debt collection Auto debt	False statements or representation Told you not to respond to a lawsuit they filed against you	MS 397XX	Web
Bridgecrest called me on a recorded phone call telling me that they have SOLD my information to XXXXXXXX XXXX XXXX She stated that 2017 XXXX XXXX has been sold. I did not give Bridgecrest permission to sell my information. The XXXX went out on me on a bridge and they knew. I was told by the lady at bridgecrest if i wanted my information I would have to buy it back from XXXX XXXX which I found rude as well as her attitude. All Im asking is that they settle this mess with XXXX XXXX. I just this collection gone off my credit not in a negative way
10/05/2021	No	Money transfer, virtual currency, or money service Refund anticipation check	Problem with customer service	FL 32807	Web
Ive spoke with this company XXXX. I paid off my car on XX/XX/2021. I over paid by XXXX and some change. I called them made them aware they said I needed to wait XXXX business days for payment to clear. On XXXX XXXX I called customer service said they spoke with the accounting and that I will receive the check by before the end of XXXX. Its now XX/XX/2021. I called and my refund payment is still pending approval from a XXXX and I get told to call back on XX/XX/2021. The first time I spoke with someone they said it would only be XXXX weeks XXXX.
07/24/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	DE 19702	Web
I sent written communication to Bridgecrest formerly XXXX on XX/XX/2018 requesting VALIDATION of the debt listed on my credit file according to the Fair Debt Collection Practictes Act. I did not receive a response from this company in the 30 days and this company still reports to the credit bureaus. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of character. The office did not provide proper documentation that this debt belongs to me pursuant to the above names title.
01/22/2024	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 77506	Web
This company wont help us on payments. They want the money for a used 2016 car. they wont work with us. And plus they charge interest every day. And the car was in an occident. I know that they wont let me skip a payment to get it fixed. We contacted our insurance company its XXXX to get it fixed. But Im paying to much money on insurance every month so XXXX stuck. The loan is worth more than the car they want XXXX.its not worth it for a 2016 XXXX XXXX XXXX Its had 3 owners and one accident on it report. I just want out of this loan situation
05/11/2021	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 34953	Web
I have disputed this debt for over a year now and sent them information showing the erroneous and inaccurate information that is being reported on the credit report and according to the FCRA a debt should report accurate information which in this case is not. According to the law it stated once a car is repossessed the creditor was supposed to send a copy of a Post-Repossession notice which was never sent and a Post sale notice which was sent XX/XX/2020 and this notice was supposed to at least be sent 10 days prior to the date of the sale.
08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 93309	Web
I have having a problem with Bridgecrest formerly known has XXXX. I call them and made payment arrangements now they keep reporting that am late on payments.. Which I was not. I have spoke to them several times and they tell me that I have no lates but on my credit reports they are reporting lates. This is really effecting me to purchases anything on credit. I dont see how they can say one thing to me then report something different .I would like this matter fix as soon as possible I dont not have 4 late payments are they are reporting.
09/12/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	PA 191XX	Web
My car was repossessed I pay to get it back and been paying on it since i got my car back but yesterday I call because I need to extend my payment and I was told that my loan was charged off But I been paying on my car for months it show on my card report that it was charged off and XX/XX/22 but I still been paying on my car I also was Charged a down payment when I first got my car I have a payments do this Friday for XXXX I don't have my title for my car I have all my paperwork my car still has balance of XXXX you can contact me a XXXX
10/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33157	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BRIDGECREST CREDIT CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. BRIDGECREST CREDIT C *** Opened XXXX XXXX, 2015 Balance {$12000.00} Charge off BRIDGECREST *** Opened XXXX XXXX, 2015 Balance {$12000.00} Charge off
01/04/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 342XX	Web
Loan was completed through drive time, no paperwork received. I have been paying an extra XXXX each payment, XXXX per month to pay down sooner. Was recently told by bridgecrest that only XXXX was paid towards principle this year.. Asked for a breakdown and was told for each XXXX paid, XXXX was to fees and interest. Would like Bridgedcrest to correct the interest rate to a fair rate that gives me the ability to payoff in a timely manner. Would also like paperwork for this agreement. Current payment is XXXX bi weekly. Loan # XXXX
12/17/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	GA 30052	Web	Servicemember
Illegal repo of vehicle. But XXXX. I was in chapter XXXX bankruptcy from XX/XX/XXXX-XX/XX/XXXX my XXXX XXXX was included in the bankruptcy. In XX/XX/XXXX I voluntarily dismissed my chap XXXX bankruptcy. I received no notice or demand for payment from XXXX or any company that contacted me on the balance owed. Tonight XXXX a repo person took the vehicle. I still have 2-3 yrs left on the loan -monthly payments. The last trustee payment on this loan was paid XX/XX/XXXX So how am I now delinquent enough for repossession in XX/XX/XXXX.
11/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46219	Web
Bridgecrest account was paid in full and closed on XXXX. I have sent XXXX proof of this and they will not correct there inaccurate reporting. Attached is a copy of the email from Birdgecrest that sates " PAID IN FULL '' and a copy of the paid in full contract. I have disputed this account with XXXX 2 times with the last being on XXXX. I have also attached proof of XXXX ignoring my request for investigation and stating that they are not changing the inaccurate information. Something really needs to done to enforce FCRA regulation.
09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33604	Web
I was recently informed that I was victim of XXXX data breach being a former customer I did not open this account and need it removed from my credit file ASAP. I do not own this account nor did I ever open it or had any idea it existed on my file until I checked it recently and being a victim of XXXX data breach I can deduce someone was able to use my information to open this account and thus I need it removed from credit file, as it is affecting the growth of my credit and I should not be responsible for someone else 's account.
05/17/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 75455	Web
In XX/XX/XXXX I financed a XXXX XXXX XXXX with around XXXX miles for {$14000.00}. I have to date paid {$9600.00} on the loan to Bridgecrest. I looked at my payoff today and the amount to payoff loan was {$15000.00}. How is it possible for a auto loan company to apply 0 to your principle for 21 months. I had an appraisal done for trade value and the car is worth {$4000.00}. I can not sale. I can not trade in the vehicle. At this rate it will be trash before it can be paid off. How are companies aloud to be predators to consumers?
07/12/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60452	Web
So in 2020 during covid 19 I was out of work for 11 months and fell behind on a few car payments through bridgcrest in wich I have 3 late payments on my credit report for all 3 credit bureaus in the past 2? 5 yearss I have been back to work and haven't been delinquent one time I spoke with bridgrest the tell me there not allowed to request the late payments be removed from my credit report. There really hurting my score rite now and I need to get approved for a new home in less than 2 months I've tried everything please help!
04/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 303XX	Web
Alerted by Credit monitoring company that I have missed a payment with my auto company Bridge rest formely known as XXXX XXXX. After careful review of my report Bridgecrest has not reported any of my XXXX, XXXX payments made on time. Currently, my account is up to date and should have been reported accurately. My maturity date for my vehicle is XX/XX/2020. I will be finished paying off my vehicle. The incorrect information reported has caused my credit score to decrease. Would you please assist me with this matter? Thank you
05/23/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 184XX	Web	Servicemember
Amendment to XXXX. I asked about the extra payments and was told if I was late, the interest is more. I responded that I understood, but that is at the end of the loan, and they did not seem to understand. I realize that I have a fixed price I paid upon the car, and that interest compounds. If the company says I owe this much, and then I pay it, then tells me a few days later that I missed a payment? Because they added a payment to my account, that is not acceptable. Anything extra should be put into the payoff payment...
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92084	Web
Ive been making payments towards my car loan. Recently my co signer declared bankruptcy and my loan company stopped reporting my payments to the credit bureaus. So Im making payments and they are not reporting them. I will keep filing complaints until this is back on my credit report. I spoke with a lawyer and what their doing is illegal according to him. If I have to take further legal action I will. I want my payments and history being reported. I am the buyer and the one making these payments they need to report that.
06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27360	Web
This company Bridgecrest by law according to 15 USC 1681 Section 604 A Section 2 : XXXX a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. This company has reported numerous negative payments on my XXXX, XXXX and XXXX credit report and I ( XXXX XXXX ) would like for those payments to be updated to XXXX status due to my current up to date payments.
02/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 38053	Web
Complaint against XXXX Credit Reporting Agency. They show loan ending XXXX in my name active in Chapter XXXX Bankruptcy. This information is destroying my credit score and report. I have contacted XXXX and have had no success in getting this error removed. The Chapter XXXX Bankruptcy in XXXX XXXX XXXX XXXX name. The court will provide proof that I am not in bankruptcy in anyway whatsoever. This error has been reported since XX/XX/2013. Ironically XXXX and XXXX are not showing any derogatory information on this account.
05/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89123	Web
XX/XX/23 I reached out to XXXX customer support via sms at XXXX and exchanged messages with a rep named XXXX. I advised XXXX that I needed to move my payment due date to XXXX of the month starting XX/XX/XXXX. XXXX advised it was an " application process '' to do so but ensured me it was submitted and I heard nothing. Portal online still shows XX/XX/XXXX for a due date and the payment will not be made until the XXXX. I've never asked to move it prior nor have I missed any payments. Poor customer service on their end.
09/02/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MO 63031	Web
Both XXXX XXXX and Bridgecrest Acceptance Corp. have violated me under federal laws though the retail installment contract. I have disputed the debt several time and have not received proper validation from neither company. This complain is to notify both companies THAT THIS ALLEDGE DEBT IS DISPUTED ( please see attached ). This complaint also includes my RIGHT OF RECISSION ( please see attached ) that was never disclosed during the credit transaction. The debt validation MUST come from the accountant of each company.
12/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 152XX	Web
On XX/XX/, due to being ignorant of the law, I signed the Contract where I, XXXX : XXXX, financed a vehicle for personal, family, and household purposesunbeknownst to the deceitful practices occurring that I was getting myself into. I have been made aware of the laws described herein my complaint and notice of rescission attached, bringing attention to the violations committed by XXXX XXXX XXXX, XXXX ( XXXX ) and BRIDGECREST ACCEPTANCE CORPORATION ( BRIDGECREST ) to rescind only the illegal parts of this contract.
04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34234	Web
I never signed any contracts with bridgecrest nor have I ever heard of, met with any representative of bridgecrest. Bridgecrest needs to produce the original contract that I allegedly signed with them and show verified proof of something of value given to me by bridgecrest within 72 hours or I will litigate this matter. Bridgecrest even reported to the credit bureaus that theres a contract between them and I ; such act is fraudulent. I am now being injured and harm has come due to the fraudulent acts of bridgecrest.
08/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	PA 17403	Web
XXXX XXXX requested a downpayment of {$3000.00} for may vehicle while I was under duress to purchase a vehicle. They were made aware that I had received a hardship grant from my job to help during XXXX for may family. the grant was for XXXX and they requested the entire amount which I had been to the dealership several times and a down payment was not discussed when we first started the car purchasing process. I feel like I was taken advantage of while under duress and violated regarding the Truth and Lending Act.
10/19/2023	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	TX 75019	Web	Servicemember
Bridgecrest illegally and fraudulently repod a vehicle I was still making payments on, then resold it. They have broken many consumer laws including deceptive business practices. They need to remove their fraudulent reporting from my XXXX and XXXX credit reports. XXXX has already deleted it from my credit history. They claim to offer payment deferrals, but apparently they never actually give them to any customers. ( Please look at their reviews and the many consumers they have taken advantage of in this manner )
01/10/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30168	Web	Servicemember
In XX/XX/2019 my XXXX was totaled, I have Insurance with XXXX XXXX who was fairly quick to pay their part, however I also have GAP insurance through the Loan with BRIDGECREST. It has been a month and they still have not completed the process of paying the loan and I am not getting a clear answer why the process is taking soooo long. I have called XXXX about 7 times today trying to get someone to help me. I need some help because I am still driving around in a rental car. This is ridiculous it has been 2 months.
09/14/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	TX 79705	Web
Bridgecrest failed to apply requested payments to principal XXXX XXXX XX/XX/XXXX. I was told when an extra payment and I call in to request payments to be applied to principal that Bridgecrest should apply payments as directed and should not be included to interest. All request of these payments were applied strictly to interest no matter the account status ( not behind ). I confirmed information from another agent that these were not applied correctly resulting in account in Dispute and reporting inaccuracies
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 774XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX Bridgecrest credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked multiple times for these companies to give me a copy of this debt and nothing was given to me I. Written. There is no record of me signing off on anything I have asked them to remove these debts off my credit report and they refuse to do so and it is impacting my life horrible. I am have called them wrote letters to these companies. And there has been no answer or reply to my letters or phone calls.
09/15/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	PA 191XX	Web
My credit report reflects that Bridgecrest charged off the full amount of the loan and it still reporting a balance on my credit they never sent me a 1099 and by holding my title for ransom bridgecrest keeps attempting to repossess my car. I want to know if they have a lien against my title and if so I want them to release it and send my title to me. I also want bridgecrest to send me a 1099 as they have reported the entire loan as a loss. These practice are against ( TILA ) and are unfair and deceptive.
06/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33907	Web
XX/XX/2021 I contacted XXXX and I was out of work. I logged in to make the my Carnote payment on XX/XX/2021 but it was drafted XX/XX/2021 Bridgecrest reported a 30 day Flag on my credit report. Ive called Bridgecrest over 10 times to see about removing the 30 day notice but Im not getting any answers and there Dispute Department doesnt speak with customer. I ask the customer service agent about a good will adjustment but I was told they dont accept the letters. At this point I dont know what else to do..
11/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44137	Web	Servicemember
I have requested method of verification of " late payments '' of the account BRIDGECREST # XXXX back in XX/XX/2020 and still yet to received information as I was not late on this account. Please provide transaction history of late payments with tracking of bank account link late payment or whatever payment transactions you have available. Please all the parties involved investigation with names addresses, phones numbers and e-mail used to come to this determination. Please correct payment is history.
06/29/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NJ XXXXX	Web
purchase vehicle in XXXX 2023 the car transmission had to be replace in the first 30days the company fix problem but car continue to have issues accelarating it would not move at stop light and was very unsafe I report problem to finance company and car warrant dept. no one could fix car. I did not feel safe in car and in XXXX asked company to take car back and work with me to resolve matter. Car was repos but never sold because it is not functionable. Now company reporting negative on my credit report.
01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23434	Web
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}
06/22/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 34744	Web
I recently received a letter from XXXX about the loan that I got into with them and their error on the loan amount or the interest rate I would like someone to further check into it because theyre saying that they made a mistake and that its not gon na make a difference to my payment but essentially Ive been paying the wrong amount since XXXX so it seems to me that there would be a credit to my account if in fact I was paying the wrong amount and it should have been less and now its been corrected.
08/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93274	Web	Servicemember
I have contacted Bridgecrest twice about their reporting a late payment for a vehicle of mine that was totalled XXXX XXXX XXXX XXXX XXXX and covered by their XXXX policy. The vehicle was totalled in XXXX of XXXX and I notified Bridgecrest within a week about the vehicle 's status and to start the XXXX insurance claim. A late payment was reported to the three Credit Reporting Agencies for XX/XX/XXXX despite the fact they were informed the vehicle was totalled and would be paid for by XXXX insurance.
02/04/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IL 60827	Web
I was financing an auto loan with Bridgecrest and on XX/XX/2017 I was struck from behind while sitting at a stop light. The vehicle was total and XXXX sent a Vehicle Value Report with a settlement value and is waiting for the letter of commitment to finalize the contract. I called several times to close the contract so I can find another vehicle. It's been several weeks, Bridgecrest never contact my Gap insurance, is collecting payments, charging interest and stalling to secure another auto loan.
10/31/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	CO 815XX	Web
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.
11/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32312	Web
I checked my credit report to find a trade line from Bridgecrest for a repossession. I have never had a car loan in my name at all nor have I ever co-signed for any car. This account does not belong to me and I want it removed from my credit. The account is associated with my niece, XXXX XXXX, who used my identify fraudulently and forged my signature to obtain a vehicle loan. I had no parts in this and never authorized any kind of transaction like this as my credit has never been strong enough.
11/01/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 32819	Web	Servicemember
There were issues with the Vehicle and the Loan company were supposed to pay for those repairs but instead, it came out of my own pocket. We had an oral discussion about it because they contacted me at my job, repoed my vehicle at my job, and withheld my personal property from me for a Month refusing to give me the location of the vehicle, once I ended up getting my personal property that included phones, credit cards, medicine, clothes, etc some items were stolen and I ended up losing my job
04/20/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	GA 30134	Web
Bridgecrest Credit Company which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$16000.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however Bridgecrest failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
01/05/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30032	Web	Servicemember
Bridgecrest compant has charged me more in interest than whats required contractually. Every month I am to be charged between XXXX per month in interest. They have taking a fee of more then XXXX % in interest out of my monthly payment and refusing to correct the account. Resulting and a year of overpayment causing inflation and refused to refund the credit back to account. I have asked and emailed servel times to make adjustments I never missed a payment. Ive always paid more then required.
09/12/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	CA XXXXX	Web
I requested a copy of the original loan agreement submitted to bridgecrest XX/XX/2023 haven't received it XXXX the XXXX 2023 applied for a mortgage approval due to non-disclosure they were unable to give it to me the non-disclosure with the fees never left by bridgecrest XXXX XXXX open accounts with balance XXXX balance {$32000.00} the other balance {$36000.00} the other balance {$9300.00} all under the heading of bridgecrest account that was pulled by XXXX I took pictures and I have them
07/18/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	MO 631XX	Web
Hello, My car was declared a total loss in XX/XX/2023. My car loan with Bridgecrest was paid in full in XXXX of 2023. I have contacted Bridgecrest numerous times to request that they report to the credit bureau that my car loan has been paid in full. They have not done so and refuse to do so. I would like my credit report to reflect that my loan was paid in full. The information with Bridgecrest is below. They were paid a total of XXXX which paid off the remaining balance of the car loan.
01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30022	Web
On XX/XX/21 I mailed certified mail including an identity theft affidavit and an FTC identity theft report to XXXX, Bridgecrest, and XXXX XXXX regarding identity theft and they have refused to remove items from my credit report. They received mail on XX/XX/21 according to USPS.I sent another letter to them back on XXXX XXXX. They have failed to provide me with evidence of their claims. It has been over 30 days since they was suppose to verify so items must be removed from my credit report
03/29/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 323XX	Web
The account they are trying to collect has 2 different collection agencies trying to collect on the same account those collection agencies are XXXX XXXX XXXX XXXX. Bridgecrest is the original and its been 6 years since they repoed they car also I only owed XXXX and something on it at the time it was repoed they sold the car for more than what I owed and are still trying to collect XXXX this needs to be removed from my credit ive tried disputing this 4 times now and nothing ever gets done.
02/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19124	Web
XX/XX/-XX/XX/I underwent several month of sickeness due to XXXX like symptoms. I also lost two members of my family and faced the transition of also having to abruptly move home from my university. According to Section 1637 ( b ) I should have received notice 21 days before due date of payment. I have never received any notification of payment. Bridgecrest claims regardless of sickness they are not able to change this information on my report whether due to sickness, ailing health or not.
04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30134	Web
Bridgecrest Credit which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however Bridgecrest failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33598	Web	Older American, Servicemember
This complaint is against Bridgecrest. They sent in a 30 day late payment against me to the Credit Bureaus and said I was late by {$23.00}. I asked them to remove this because I have worked hard on my credit and I make sure I am never late. How am I late by {$23.00}? The young lady said she could not help. Bridgecrest has lied because I am never late with my bills. I refinanced my house and paid them off because they are not a fair company. I would like to have the late payment removed.
09/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 79705	Web
Violation of Payment request and additional payments directing Bridgecrest to apply to principal balance. Company applied payments to strictly interest and illegal fees. Violations include Truth In Lending Act ( TILA ), The Fair Credit Billing Act ( FCBA ) and The Consumer Finacial Protection Act ( CFPB ). Including but not limited to ( TILA ) section 129B ( 3 ) ( B ) ( i ), ( FCBA ) section 161, ( CFPB ) section 1031, 12 USC 5536 ( a ) ( 1 ) ( A ) ( B ), 15 USC 9056 ( b ), 12 USC 5531
01/28/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NJ 08096	Web
i paid this vehicle off and I've called and left message messages for XXXX and we paid this vehicle off in XXXX 2020 and it was a big issue prior to this and I just want my title please. on XX/XX/XXXX they signed for the title to have it signed because dmv stated they didn't sign it. They received it on XX/XX/XXXX and it just needed to get signed. I've called several times asking for the title and I'm told it's being worked on. How long does it take to sign a title and send it back.
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	NV 89014	Web
I sent a request to have the account removed from my credit report because it had inaccurate account information. The balance was lower than what was showing on my credit report they responded by just lowering the balance, but that is incorrect because that was incorrect on my credit report and I want to have that account removed from my report. And per definition, anything that is inaccurate on my report should be removed in this case I want to have this account removed immediately.
09/07/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AZ 85035	Web
My car was totaled in a car accident recently. I wasnt working at the time and so therefore I could not pay for the insurance deductible. The car was deemed a loss. The loan company repossessed the car since I could not continue paying the monthly note with {$20000.00} left to pay it off. The loan company then sold the vehicle for {$5000.00}, making me cover {$16000.00} for the remaining balance Im currently still unemployed and can not make this payments which is daunting my credit.
10/25/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 32043	Web
On XX/XX/XXXX a payoff check was mailed from XXXX XXXX to XXXX XXXX to pay off our traded in XXXX XXXX XXXX XXXX. On XXXX XXXX I called them for the status of why I still had a balance listed on their website. I was informed the check had been received but it was XXXX short. I was told that if I paid them that they would backdate the check and it would be taken care of. We are now getting emails about late payments and its now three days away from reporting late on our credit bureau.
09/10/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL XXXXX	Web
THIS COMPANY IS FAILING TO PROPERLY ACCOUNT FOR LOAN PAYMENTS THAT ARE APPLIED TO THE PRINCIPAL OF THE LOAN. YOU HAVE TO WAIT FOR AN EXCESIVE AMOUNT OF TIME FOR BRIDGECREST TO APPLY THE AMOUNTS TO THE PRINCIPAL WHICH MAY CAUSE A DELAY IN PROPERLY APPLYING ACTUAL PERIODIC LOAN PAYMENTS TO THE LOAN. WHEN THEY ARE CONTACTED, THEY CONTINUE TO FAIL AT APPLYING THE AMOUNT PROPERLY AND CORRECTING THEIR ERRORS. THIS COMPANY NEEDS TO BE FINED AND PAY PENALTIES FOR THEIR OUTRAGEOUS PRACTICIES.
11/09/2023	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	NY 121XX	Web	Servicemember
I contacted Bridgecrest Bank to request that we work out a satisfactory solution regarding the charged off account from XX/XX/2022 on XXXX separate occasions. Bridgecrest Bank has stated that they will not enter into any payment arrangement in regards to this account. Bridgecrest Bank has stated that they will not provide any written correspondence or statement regarding the denial of a payment plan. Bridgecrest Bank stated they would only converse about the account verbally.
07/11/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NJ 07103	Web
Since XXXX I've been trying to resole this account with the company, Bridgecrest is still reporting to the credit bureau as derogatory/delinquent.I have made numerous attempts to resolve this issue, and have been given the back and forth with the company saying they will get back to me .The account is in a bad state and I need this to be rectified as soon a possible so that I can increase my credit score and have this account taken out the system and the account status updated.
09/19/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MD 20748	Web
For the months of XXXX, XXXX, XXXX and beginning of XX/XX/2018 I received repeated calls from Bridgecrest Acceptance Corp. The calls would be back to back and incessant ( I have my phone records ) .I received a call yesterday from " XXXX '' from the company indicating that they are only allowed to call 3 times per week and leave a message [ or something to that extent ] ). I explained to her that wasn't the case and to provide me with a call log ... the conversation ended there.
04/08/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TX 75067	Web
I am currently behind in payment on my account. I again have been receiving several calls a day after one voicemail has been left. After a voicemail has been left there continues to be calls made on the same day. Today XX/XX/XXXX I have 2 voicemails from them and have the voicemail logs and call logs. I have previously made a complaint # XXXX and this action still continues to happen knowing they are in violation. I want the balance of XXXX taken off due to this 2nd violation.
06/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33764	Web	Older American
Purchased 2 vehicles over time from same company. XX/XX/XXXX was the first, monthly payments made until XX/XX/XXXX when I traded to another vehicle with same company. Continued with new loan thru XXXX with same financial company ( XXXX ). When I was at my bank for loan they told me I had no history of any loans in the past. I called car dealership and they referred me to their financial company who handles their loans. I contacted them and I get the run around and no answers.
05/26/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32073	Web
I have reached out to bridgecrest 3 times about hardship due to the global pandemic. They emailed me telling me they will not help me and continue to harass me ( today they called me 17 times back to back ). At this point I am feeling threatened and scared to answer my own phone. I have told them my situation via phone and email. There is no need to call me almost 20 times a day ( from 7 different numbers ). We are in a global pandemic, I dont need this additional stress!
11/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92173	Web
I previously disputed the lates and asked for it to be corrected with no reply from company my wife is ill for the last 4yrs and her health will never improve her diagnosis is XXXX i never was 30 or 60 days late I paid my account 7 days before it would be 30 days late including 10 days on shorter months which technically is not 30 0r 60 days late yet they continued to report consecutive lates I would would like my credit report on all 3 credit reporting agencies corrected
12/18/2021	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
I do have a vehicle with bridge crest, I did speak with a representative know as XXXX XXXX about this matter and was told do not worry about it. So all of a sudden this item was put on my credit report so I asked to see contracts etc so they send me information Im the mail to send a copy of my social security number and asking for my drivers license. No Im not complying with this fraudulent activity sending my personal information to them. Not comfortable with that at all.
10/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC XXXXX	Web
My account was showed on the credit report as being late in XXXX and XXXX, I've always paid my account on time before the Covid -19 crisis, I contacted the company to let them know I was quarantined for two weeks both months due to covid exposure and the creditor told me it would not be a problem and it wouldn't affect my account but they still reported late payments to my credit report, I have disputed the account and provided paperwork but both times nothing has changed
04/25/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 080XX	Web
I need some of the amount from payments where I was paying extra to be applied to the principle balance instead of toward interest on the loan. Ive been calling on the matter since XXXX and Ive even sent a spread sheet over TWICE to show the corrections that need to be made. Some of the corrections are being made but not all of them and Ive given them months to complete this task and they are ignoring me and telling me something different about the situation every time.
01/17/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75089	Web	Servicemember
I was never late on the paid off account/s listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report. Per 15 USC 1666b a creditor may not treat a payment on a credit card as an open ended consumer credit plan. Please update the payment history as XXXX status ( Paid as Agreed Never Late ).
11/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MO 65201	Web
In their attempts to collect a payment they are harassing me via my cell phone. Most recently, on XX/XX/2023, they called repeatedly while I was at work. They called at XXXX and left a voicemail. They called again minutes later at XXXX and they called again at XXXX. Back to back to back calls. It is causing mental/emotional distress to be receiving these calls like this. It feels very threatening and makes it so that I do not want to talk to them regarding my account.
01/08/2024	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	SC 29687	Web
My signature. I never legally signed the XXXX XXXX Contract and XXXX Agreement and XXXX XXXX Agreement. Its a digital signature that they provide when they dropped off the car. I know that XXXX and XXXX acts there are for major requirements for an electronic signature to be recognized as legal under U.S. law. And that is the Intent to sign, consent to do business electronically, clear signature associations and record retention. This is for the State of XXXX XXXX.
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89119	Web
In ordinance With the fair credit act The following creditors have violated my rights Bridgecrest formally XXXX and XXXX XXXX XXXX XXXX A Under 15USC 1681 section 602 States that I have the right to privacy.15USC 1681 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose.
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79705	Web
Inaccurate reporting on consumer report confirmed by Bridgecrest and credit reporting agencies, Notice of complete validation documentation request not received ( Request sent XXXX XXXX, including Notice of Dispute of account ) XXXX Notice sent fax and via certified mail XX/XX/XXXX due to no documentation request received. Account status not correctly reported to credit reporting agencies and attempt to collect debt including late fees applied during Dispute status.
11/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
This debt collector engaged in threatening deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I am entitled to XXXX dollars per violation and clearly they violated my rights.
10/12/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 79705	Web
The response letter and statement sent to me via Registered Mail dated XX/XX/2023 is not sufficient evidence to prove validation requirements. Also noticeable was there was no notice of right to dispute on Bridgecrest response as well as sensitive account information was sent via Registered Mail displaying symbolism on envelope in an attempt to collect a debt which violate privacy laws. This is different violation concerning not statement on letter Right to Dispute
05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46201	Web	Servicemember
Vehicle loan thru Bridgecrest is still showing it as open and having a XXXX $ balance as of XX/XX/XXXX it should have been closed and fell under under service member credit relief act. Since I was a XXXX warrior waiting XXXX retirement. It has caused numerous problems with me obtaining new auto loan and they typically effect my score it was open in XXXX and it should be off my credit report but instead it's still showing up as an open account and as a active loan.
05/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 227XX	Web
BRIDGECREST CREDIT C and XXXX XXXX XXXX C did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of XXXX XXXX XXXX should be less than XXXX dollars. The best payment history. I try to buy home ( FHA loan-first time home owner ) for my kids, BRIDGECREST CREDIT C and XXXX XXXX XXXX XXXX should update my monthly payment as soon as possible.
06/20/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30005	Web
I Consumer XXXX XXXX entered into a consumer credit transaction with Bridgecrest, one on XX/XX/2021 and one on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Bridgecrest took cash. The finance charge is supposed to include insurance, but Bridgecrest made me purchase insurance separately.
01/08/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77043	Web
I found out that I was a victim of Fraud and someone falsely used my identity as a co-signer on a auto loan. I was not aware of this until XXXX XXXX had gave me a call. They stated that the person who stole my identity had gap insurance and that it would cover the debt. Although I told them this is not me they continue to report this as a charged off on my credit report. I would like an investigation to show proof as me as a co-signer and have the debt removed.
02/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	UT 84663	Web
Dear BRIDGECREST FORMERLY XXXX # XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/ for 300 days late :? I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being XXXX with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40215	Web
In accordance with the Fair Credit Reporting Act BRIDGECREST Account # XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
02/16/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	OK 736XX	Web
Yes on XX/XX/2021 I traded in my XXXX XXXX on a XXXX XXXX XXXX and they decided to not move forward with the sale and told me 5 months later they will be trading me my car back in exchange for that XXXX back I agreed they came took the XXXX months ago and left me rideless because they sold my XXXX instead of not giving it back so they done won more then they bargain for I'm not paying for something I don't have I'd rather have of had my car back as well but no
02/15/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OH 43219	Web
I called the company once and due to financial hardship I did not get in contact with them to make payment arrangements. Without a car I will lose my job and as a result of delinquent rent payments I am currently being evicted. Their online payment portal is down and I am unable to retrieve my account/loan number to conduct any business. My name is XXXX XXXX I own a 2014 XXXX XXXX My payment amount is {$400.00} My address is XXXX XXXX XXXX XXXX, Ohio XXXX
06/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	VA 23231	Web
I got the predator loan.I feel I'm being taken advantage of.My car is only worth XXXX $ my pay off is XXXX I pay {$300.00} every other week when I assumed it was only {$300.00} a month.I did not understand as much as I thought being I end up paying {$900.00} a month plus {$300.00} car insurance.I don't know why XXXX XXXX interest rates are so unaffordable and Bridgecrest want the money regardless when you would be better off in a XXXX XXXX for that rate...
12/22/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 60007	Web
I have tried to voluntarily repossess the lemon that XXXX XXXX sold me haven't even had my car a year and the engine failed. They never mentioned anything about XXXX XXXX having engine failure especially that specific make and model the XXXX soul plus. Usually people just repossess the car they want me to pay for my own tow and sign paperwork which is not something that usually happens with paperwork my attorney advised me not to sign any of the documents.
05/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93274	Web	Servicemember
I have paid off my vehicle loan last month in full and Bridgecrest updated my credit report to show that it was paid in full and closed. For some reason they have decided to reopen the account and show a balance still due which has caused my credit score to tank. When I tried to submit a dispute through XXXX they have denied my request for an update saying it was being reported correctly as open and a balance due even though that is factually incorrect.
08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 793XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington , DC XXXX I do not feel the actions of my auto financer are fair. They report every blemish, and when I pay the car off they remove all the account, its gone, no bad or good credit. Nridgecrest reported every flaw when late and pulls the record when I pay it off, im dependent on the score, it would at least tell creditors its paid. XXXX XXXX XX/XX/
08/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 91766	Web
I have forwarded all information to Bridgcrest regarding identity theft and they will not remove or respond, other than saying that I am responsible for the debt and they have proof that this information is unverifiable and is willfully refusing to stop reporting to the credit reporting agencies. They also do not respond with the proof that show I owe this debt. I am going to sue this company the credit reporting agency and CFPB for not acting on this.
09/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92555	Web
Bridgecrest formerly XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.
03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 15136	Web
In XXXX of 2020, my auto loan payment was reported 30 days past due. I have reached out to Bridgecrest in regards to resolving this matter being that I was inadvertently affected by the COVID-19 pandemic before we all knew what it all entailed. My payments have never been late before or after this month and they refuse to make this exception or notate my account, or offer any form of relief in this matter. I filed a dispute with XXXX on XX/XX/2020.
12/03/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AL 362XX	Web
I bought a car through XXXX/bridgecrest. During that time in XXXX the motor blew up and I did pay for the warranty. XXXX XXXX failed to act on said warranty and I turned in the car. Since XXXX to now, XXXX/bridgcrest has posted and keep changing my closed date on the loan. And keep changing it from voluntary to in repossession. Every other month. Thus bringing my score down each time. I have reached out with no results. Im at a loss of what to do.
10/01/2021	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA XXXXX	Web
My vehicle was involved in an accident and was deemed as a total loss by my insurance company. This finance company Bridgecrest received the final payoff from my insurance company on XXXX XXXX. To date this company has failed to process the payment and close out this account. I am unable to obtain a new vehicle with this still showing outstanding. I have contacted Bridgecrest more the 7 times and they refuse to assist me with resolving this issue.
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11238	Web
In accordance to the fair credit reporting Acts, this creditor has violated my rights under USC1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 and also stated that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. it is also
04/05/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	OH 430XX	Web
I refinanced and paid off a car loan that was held by Bridgecrest back in early XXXX of 2019. It was overpaid by aproximately {$130.00} and I have not yet received the refund of the overpayment. Everytime I call they tell me that a check has been sent and verify the address with me but it has been 2 months and I have not received a check. I think there has been adequate time to issue this refund and do what is necessary to make sure I receive it.
09/21/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77070	Web
I have a loan with BRIDGECREST XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BRIDGECREST with no successful resolution. XXXXonly reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX - XX/XX/XXXX / XXXX, XX/XX/XXXX.
03/13/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MO 63136	Web
I got my car through XXXX in XX/XX/XXXX. My car was written off as a charge off in XX/XX/XXXX. I got no letters, calls emails or anything. When I logged onto my account online my account is no where to be found. I get an error message that states there are no accounts with my credentials. My car was recently taken by the repo man on XX/XX/XXXX. I did not receive any calls saying they were looking for my car or wanting to begin a new payment plan.
06/19/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 30349	Web
Bridgecrest has used my non public personal information to furnish information on my credit report UNAUTHORIZED and unlawfully HAS stolen my property ( XXXX XXXX XXXX XXXX # XXXX ) Which is a BREACH of PEACE. Please refer to complaint ID # XXXX where i have given notice of rescission to XXXX ( Notice & Other documentation from the complaint Also Attached for Review ). I called regarding the matter and they are willfully denying me these rights.
09/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72205	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose. XXXX XXXX XXXX
04/20/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 34234	Web
XXXX XXXX XXXX XXXX XXXX license # XXXX, has and continues to attempt to trespass on my private property. Description 2018 XXXX XXXX XXXX XXXX vin XXXX My private property is in possession of my private trust and if trespassed again, this company agrees to compensate my trust {$10000.00} per day. This is a public notice. Any attempts after this notice is received constitutes as theft and trespass. My private property does not have a lien on it.
07/25/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	FL 331XX	Web
I have gap insurance with XXXX XXXX bridgecrest for XXXX Gap coverage, my car insurance already give to they bridgecrest that my car is total loss amount, the evaluatin of vehicule and sentlement breakdown, and I ask bridgecrest for one letter or email for my gap insurance claim that cover, they dont want any letter or email for that, also don't want give me finance for other car, knowling I dont have fault of the crash and always paid on time!
07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30318	Web
In accordance with the Fair Credit Reporting Act BridgeCrest Account # XXXX has violated my rights. Under 15 USC 1681 sections 602 States I have the right to privacy .15 USC 1681 Section 604a section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credits as late for any purpose
07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30318	Web
In accordance with the Fair Credit Reporting Act BridgeCrest Account # XXXX has violated my rights. Under 15 USC 1681 sections 602 States I have the right to privacy .15 USC 1681 Section 604a section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credits as late for any purpose
08/09/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 33157	Web
I spoke with someone representing the company Bridgecrest on several occasions and told them not constantly call all day and night. They call from different numbers back to back. They aggressively call my place of employment informing them of my personal business pertaining to the vehicle and demanded to speak to me. They are constantly harassing me morning and night even after making payment arrangements. It 's very stressful and humiliating.
11/07/2023	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	KY 40216	Web
Contact agency about repo and having name removed from the account. Due to not having the vehicle, nor made any payments. I was just the joint owner to help the person get the car. I spoke to staff at the Bridgecrest agency. I was informed that I would have my name removed from the account and info updated on my credit to say paid by creditor. It has been over 30 days and I have not received any documents from our conversation or the account.
01/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32714	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1691 prohibits consumer reporting agency from taking adverse action against the consumer for exercising their rights.
09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28269	Web	Servicemember
I have tried numerous times now to dispute with Bridgecrest the inaccurate reporting of data to my credit reports. As of today they continue to violate the FCRA and I intend to seek damages if these accounts are not deleted asap, I currently owe Bridgecrest no money so I have to take the continued reporting of incorrect information as an attempt by Bridgecrest to defame and slander with the intent to prevent me from getting credit elsewhere.
01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TN 38109	Web
To Whom it may concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly investigate, update and delete addresses that i never resided and may possibly be listed on my credit report due to fraud. Please remove all other names variations immediately. Collection Account : BRIDGECREST - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32608	Web
I have wrote bridge crest letting them know that my account says open when it is closed and reporting on my credit report. I also advised Bridgecrest that formerly XXXX XXXX on XX/XX/XXXX of the incorrect balance and that it says closed and still showing up on my credit report. They verified as accurate. I also disputed this again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and still no luck. This is really hindering my credit.
11/09/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 94559	Web	Older American
This is now my FIFTH COMPLAINT for the same matter. XXXXBridgecrest has not provided title to the car but they acknowledge that I paid off the loan in full at the end of XXXX. My fourth complaint still shows open in your portal but the company has not made contact and I think five months is long enough to wait for the title. Do I need to start writing congress? Can XXXX XXXX help me if I contact her? As you can tell, I am beyond frustrated.
12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL XXXXX	Web
I sent a letter asking experience to reinvestigate my accounts. Everything is not 100 % accurate. This is causing me XXXX, I feel helpless because the credit bureaus are not doing their job. According to 15 USC 1681i, XXXX, XXXX and XXXX have thirty days to investigate and send me results which I have not ever received. They are in violation of 15 USC 1681i 15 USC 1681i ( 5 ) 15 USC 1681i ( 7 ) 15 USC 1681s-2 ( 1 ) 15 USC 1681 ( b ) ( c )
01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MO 64130	Web
UPDATE FIRST AND LAST NAME REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS. REMOVE ALL ADDRESSES CONSIDERED NON MAILABLE. PRIVACY ACT OF XXXX CHARGE OFFS IS CONSIDERED AS A CERTIFICATE OF INDEBTNESS WHICH MEANS IT IS INCOME AND CAN NOT BE REPORT TO CREDIT REPORT. IT MUST BE REMOVED. THE LAW STATES THAT IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. UPDATE AS PAID AS AGREED. REMOVE INQUIRIES, HARD, SOFT, PROMOTIONAL, PREAPPROVALS- PER 15USC 1681
11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30038	Web
In accordance to the Fair credit reporting act This creditor ( Bridgecrest ) has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose.
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19701	Web	Servicemember
In accordance with the fair credit reporting act, this creditor has violated my rights! I have the right to privacy! The consumer reporting agency can not furnish an account without my written instructions! A creditor may not treat a payment on an account under an open and consumer plan as late for any purpose! XXXX XXXX XXXX XXXX ( car loan ) for the amount of approximately {$690.00} for XX/XX/2023 has reported late on my credit report
06/27/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	MA 02302	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for dis purpose. 46.7K
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75042	Web
I HAVE REQUESTED THE PAYMENT INFORMATION FROM BOTH PARTIES ON XX/XX/2022 XXXX AND XXXX & BRIDGECREST FOR ALLEDGE NEGATIVE PAYMENT HISTORY AND NEVER RECIEVED THE INFORMATION AFTER NUMEROUS REQUEST HOWEVER ITS WAY PAST 30 DAYS FROM LAST LETTER, SO SINCE THE INFORMATION HASN'T BEEN RECEIVED AND THY 'RE REPORTING CURRENT ON A CLOSED ACCOUNT THE DEBT NEED TO BE DELETED ASAP. ACCOUNT INFO. XXXX XXXX XXXX Account XXXX BRIDGECREST Account XXXX
01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33907	Web
Few years ago I purchased a vehicle my loan provider was Bridgecrest auto finance. During that time they have an inaccurately reporting to the credit bureaus I reached out to them multiple times too Bridgecrest in the guards to multiple late payments that are incorrect Starting from XXXX To XXXX at this point I dont know what to do I want this to be corrected but unfortunately Im on able to speak to someone order to handle this situation
02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30458	Web
I had a XXXX XXXX XXXX XXXXXX/XX/XXXX I hit a deer and my insurance totaled the car, insurance paid the car off and they reported that I was behind on my payments which made my score drop big time, they settle the claim in XXXX, so how was I behind on my payments when my insurance already paid them off. Bridgecrest is the company I finance the car with. And it said on my credit report that it was paid off. XXXX dollars. That's not right
08/05/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60505	Web	Servicemember
I have auto-pay set up for the XXXX and XXXX XXXX of the Month, i login and pay online via credit card on each due date. Within XXXX the harassment starts via constant calling and saying the payment has not been made! i continue to get called constantly throughout the day by Bridgecrest financial agent claiming payment was not made. There has to be a way to make them stop. Payment is XXXX semi monthly XXXX and last day of the month
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 275XX	Web
In accordance with the Fair Credit Reporting Act, XXXXt Account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33460	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 123
12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27804	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose. 301
09/25/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28270	Web	Servicemember
Vehicle loan was closed on XX/XX/2022 and was reported as 30 days delinquent with a XXXX XXXX balance in XXXX of 2022. Bridgecrest formerly XXXX refuses to remove the delinquent status from my credit portfolio. The delinquent status has caused my XXXX score to drop by XXXX points. I'm a military veteran looking to purchase my first home but the negative mark on my credit has slowed the process of being approved with a lower rate.
06/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 641XX	Web
Bridgecrest is reporting a loan on my XXXX credit file that I did not oblige to. The loan is fraud. I've sent my supporting documents on XX/XX/2020 as well as I was in contact with someone by the name of XXXX XXXX on the compliance team and have not gotten a response. The loan amount appears to be {$11000.00}. The address Bridgecrest sent over to me is not an address I have lived at nor is the signature on the documents my signature.
01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA XXXXX	Web
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT BRIDGECREST ACCOUNT # XXXX HAS VIOLATED MY RIGHT. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURSHISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIR CARD ACCOUNT UNDER AN OPENEND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPO SE.
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35216	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 604 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77459	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpo se.
02/08/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20747	Web	Older American, Servicemember
I have been paying loan payments for years and today looked at how much I still owe. I also looked at how my payment were being applied to the loan. Most of my payment was going to interest. In two years I have reduced what I owe on the principle {$2000.00}. The cost of the car was {$12000.00} and still owe {$9900.00} after 2 years of Payments of {$330.00} a month ( {$8000.00} ). There is definitely something wrong in this equation.
02/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28216	Web	Servicemember
Ive had 2 loan modifications in XXXX and one in XXXX. The account now shows current but the history still shows XXXX days past due. Part of the modification process is to bring the account current and Im doing so the credit history for that time was supposed to be updated to show current. Under the laws of the FCRA this accounts history isnt being reported properly and it is adversely affecting my credit and score. Please remediate.
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02302	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78626	Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
01/10/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 10016	Web
In an attempt to set me behind on payments and leverage unjustified late fees to my account, Bridgecrest has deemed my account " ineligible for autopay. '' I therefore have to remember to call them and make manual payments every XXXX weeks. They have unfairly applied late fees to my account and have made no effort to resolve this matter. I am even on the phone to them right now as we speak, and have been on hold for XXXX minutes.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33460	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 6 02 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 12205	Web
In accordance with the fair credit Reporting act XXXX AccouRt # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canne furnish a account without my written instructions. 9384 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open End consumer credit As late for and purpose
07/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85035	Web
I purchased a XX/XX/XXXXXXXX XXXX with over 100k miles on it, in XX/XX/XXXX for {$8000.00} from XXXX. The vehicle was repossesed in XX/XX/XXXX. It is being reported by collection agency as account opened in XX/XX/XXXX with a $ XXXX account balance. I have been disputing the correctness of this reporting with XXXX and XXXX with no luck. I am being denied credit because of this. I just want it removed from all credit agencies.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39212	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32257	Web
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63121	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 604XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose
11/24/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	NC 28173	Web
I sent a cease and desist letter to Bridgecrest on XX/XX/XXXX to which they've disrespectfully ignored my request and sent the entire letter back to me. I stated I wanted them to remove all negligent and embarrassing information, which they did not, nor did they send a check for the punitive damages they've caused. Is Bridgecrest above the law? Why do they get to operate above the law? How will they be reprimanded by the CFPB?
03/22/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NC 28031	Web
I noticed I had a debt collection on my credit report. from Bridgecrest for accountXXXX. I sent a request for a validation of this debt to Bridgecrest via mail on XX/XX/2022 per my rights under the Federal Debt Collection Practices Act. As of today, XX/XX/2022, I have not received any validation of this debt. They have not responded to me in the necessary amount of time and I would like this debt removed from my credit report.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30904	Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21218	Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my right. 15 USC 1681 Section 602 States I have the right to privacy. 15 Im USC 1681 Section 604 A sections 2 : It also States a consumer reporting agency can not furnish a account without my writing instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open End consumer credit plan as a late purpose
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19121	Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KS 664XX	Web	Servicemember
Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC, 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a credit, may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 22003	Web
Bridgecrest XXXX XXXX account number XXXX was paid off on XX/XX/2022. Three times payments on XX/XX/2022 for pay off. Payment confirmation numbers XXXX, XXXX and XXXX. ( see attached files ) Everything paid off, bridgecrest should update Paid off information to credit bureaus and should delivered title to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to contact to Bridgecrest but they dont pick up phone call. XXXX
09/23/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD 206XX	Web	Servicemember
XXXX, XXXX has failed to provide proper verification that an account belongs to me, and furthermore it has been noticed that they are illegally charging some type of additional fees/interest to this account on a month basis. After dispute, they not only failed to prove that the account was mine but also how they can substantiate a balance that they are reporting as a higher balance by hundreds of dollars on a monthly basis.
06/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30238	Web
XXXX / bridgecrest is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them XXXX they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are XXXX and that 's a lie! I am going to make sure bridgecrest pays for their lies all the time.
10/04/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TX 761XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a creditcard account under an open end consumer plan as late for any purpose.
06/10/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80020	Web	Servicemember
My principal payment only wasn't applied or reversed until XX/XX/2021, the payment was taken out of my account XX/XX/2021. I get charged a daily interest on the daily principal balance of the loan. XXXX is now reporting a incorrect balance on the loan than what Bridgcrest is showing on my statement. A difference of over {$400.00} more than what is actually owed on the loan as of today. I have included a snap shot of both.
10/06/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89135	Web	Servicemember
I recently has a loan go into default within the last 24 hours. I contacted the company and ask about my right to redeem the auto. I am aware that to reinstate my vehicle I am required to pay all late payments and fees due to bring the loan current. The representative told me that the entire balance on the loan of XXXX has to be paid in full which is inaccurate. This is a clear violation of my rights to reinstate my loan.
08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29205	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30087	Web
Around XX/XX/2017 some opened a credit card with XXXX without my knowledge. I disputed the account and XXXX refused to remove the card, even though I have a police report and supporting documents proving the account is not mine. The account was opened in Hawaii. Which I have never lived there. Also I have Submitted Disputes with XXXX XXXX XXXX and Bridgecrest and have received the same results, along with XXXX XXXX XXXX
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95823	Web
In accordance with the Fair reporting Credit act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
06/30/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CO 810XX	Web
LOAN PAID IN FULL XX/XX/20 NO TITLE KEEP GETTING RUN AROUND XXXX SAYS TITLE DEPARTMENT DOES NOT TAKE PHONE CALLS NO MANAGER AVAIALABLE WHEN CALL CUSTOMER SERVICE TRANSFERED TO VOICEMAIL TRIED TO GET DUPLICATE TITLE UNABLE STATE OF COLORADO SAYS VEHICLE STILL HAS LIEN XXXX SAYS TITLE MAILED HOWEVER THAT IS NOT TRUE BECAUSE STATE REFUSES TO ISSUE DUPLICATE TITLE BECAUSE LOAN STILL SHOWING ON VEHICLE. ITS BEEN 8 MONTHS
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 22901	Web
Tried to get Bill consolidation from the lawyers that brought the case from XXXX XXXX XXXX but kept giving false documents and different deficiency balance. It is showing up on my credit report as XXXX XXXX XXXX balance is not XXXX its XXXX is what I was told by the lawyers that brought the debt XXXX XXXX XXXX! I have false documents and a fake warrant that they created from XXXX when the car was repossessed in XXXX!
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60563	Web
I ask the finance company to not share my personal information, such as my experiences and transactions and they continue to do so without my permission. They lied and said I signed a contract giving them permission to do so. Its no where in my contract and its an invasion of my privacy. Consumer Law 15 usc 1681 A ( 2 ) a1, also 15 usc 6801, and 6802, 15 usc 1681 B. They have broken and violated my consumer rights.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30016	Web
in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 1618 Section 602 States I have the right to privacy. 15 USC 1618 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21218	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 394XX	Web
15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A states a person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1668B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/21/2016	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	TX 75134	Web
I have contacted XXXX XXXX as it shows on my credit report ) and was told this is now Bridgecrest. I contacted Bridgecrest about verifying my signature on this account OR remove it. I have ONLY received letter after letter for me to send in my personal info as I did/have and still nothing. This has been ongoing for more than 6 months and still no resolve but it still remains on my credit report without verification
08/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19119	Web
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMANDS the following below : Account Name : BRIDGECREST Account Number : XXXX
10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48322	Web
In Accordance with the Fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have a right to privacy.15 U.S.C 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open end as late for any purpose.
04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60419	Web
They told me they couldnt do anything about it, to call XXXX XXXX. I called XXXX XXXX so they could remove the false information and they told me its correct like XXXX, my credit score has been XXXX ever since the vehicle was totaled and was being paid by insurance. The vehicle was paid by insurance company and gap coverage insurance people. The vehicle was totalled XXXX XXXX and it is now XX/XX/2021 i need help.
05/18/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 78230	Web	Servicemember
On XX/XX/XXXX vehicle was Repossessed with out a right to cure letter. XX/XX/XXXX spoke to a representative over the phone advises to pay online witch was a balance of {$1700.00} witch was what was showing ( screen shot was taken ). When looking at bank statement they charged {$2000.00} witch was not aurhorized. When calling back they said they dont know how it happend and dont want to credit back the difference.
08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89119	Web
In accordance with the fair credit reporting act this creditor has violated my rights Under 15usc1681 section 602 states I have the rights to privacy 15USC1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written information Under 15USC1666B a creditor May not treat a payment on a credit card account under a open and consumer plan as late for any purpose
10/02/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Personal information incorrect	DC 20020	Web
I am a federally protected consumer and I requested validation of alleged debt with Bridgecrest. This document was received by Bridgecrest on XX/XX/2020. I have yet to receive a response from the company involving this alleged debt. Bridgecrest is in violation of 15USC1692. The company responded to my request alleging that they are unable to fulfill my request due to insufficient information. Documents attached.
07/06/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 787XX	Web
I purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX, and financed {$19000.00}. I have been making bi-monthly payments of {$220.00}. I have made 33 such payments, every single one on the day that it was due, for a total of {$7500.00}. As of today, XX/XX/XXXX, the payoff on my loan is {$19000.00}. The loan is financed through Bridgecrest XXXX. I would like to have this issue investigated, please. Thank you.
10/01/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	MI 48315	Web
Approximately around XX/XX/XXXX I called bridgecrest and I spoke with someone regarding that I do not work full time hours anymore due to convid. I was told that my auto loan could be pushed back, so now XX/XX/XXXX I am in the process of moving and my credit score is being pulled and my auto loan is reflecting negative on my credit score which is why I am having a very difficult time getting approved for homes.
11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30324	Web
In ordinance with the Fair Credit Reporting Act, Bridgecrest account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 SC 1681 section 604 A 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
01/07/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92544	Web	Servicemember
I purchased a 2007 XXXX XXXX nearly 4 years ago for {$10000.00} with $ XXXX down. My payments are {$340.00} per month. I just called to see what my payoff was and they told me it was nearly {$14000.00} This seems like unfair lending practice. How can I have paid on a used car this long an owe more than I purchased the car for. What are my options in getting out of this without messing up my credit? Thank you!
03/08/2020	Yes	Vehicle loan or lease Loan	Problem with fraud alerts or security freezes	NV 89101	Web
Tried to get information on my loan a account ledger from Brigecrest financial in which I was told the sold my loan to a 3 party company and have no information of my account when I asked how did you even pull my account up or is you sold my account why dont you have a day of sale to the 3 party and dont you have to have a receipt for your im companies auditing they were rude and was hung up on many of times
04/22/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	IL 604XX	Web
I have started a payment plan with the company to continue making payments on my car loan and they are to begin making positive notations on my report to the bureaus. My credit report shows the car remaining in charge off status. I was struggling with payments during the pandemic and still managed to keep the payments going. I would like to have the payments made to the company to be reported to the bureau.
11/10/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IN 464XX	Web
The auto company is continuing to report this account late. I have contacted them several times. I am repeatedly hug up on, am transfer to an out of the country foreigner or a XXXX speaking agent and I am an American who only speaks English. I have sent in written request and the company has failed to correspond. I am making all my payments on time and they continue to report them 30 days late each month.
09/04/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA 302XX	Web
Vehicle was repossessed on XX/XX/2018. I called Bridgecrest ( XXXX XXXX ) to see what amount I could pay to retrieve the vehicle. I was told that I had 2 weeks to pay this amount. When i went to get the vehicle, it had already been sold. I was told it was sold at an auction but i was never notified that the vehicle was going to auction. I also never received a notice of the amount that the vehicle sold for.
10/25/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 79705	Web
No notice of right to dispute on Bridgecrest response as well as sensitive account information was sent via Registered Mail displaying symbolism on envelope in an attempt to collect a debt which violate privacy laws.Violation concerning not stated on letter sent Right to Dispute. Also not made aware or given the opportunity of right to remedy " charge off '' which is a violation of consumer protection laws
10/10/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 78660	Web	Servicemember
After I paid off my loan, Bridgecrest had told me they had released my title to another creditor XXXX years earlier. They do not have the title and still continued collecting money and didnt tell me that my title was sent to another financial institution. I paid off my car on XX/XX/XXXX for the remaining balance of {$2700.00} but the total was replaced and sent to another financial institution on XXXX XXXX
09/27/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	DE 19805	Web
I have a loan with BRIDGECREST. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
11/09/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30312	Web
A fraudulent loan for a car was opened in my name. I have filed identity theft, police reports and done everything I was suppose to do to ensure this car loan was not taken out by me and have it removed from my credit report. I have called the company, disputed the charges and nothing has happened. The representatives were very rude. If I used a company for a car loan service it would never be this company
12/29/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	WA 99004	Web
The disreputable organization the complaint is against in general is XXXX who owns both XXXX and Bridgecrest which the latter two commits usury. The APR I am given is 15.43 %. Even for a newer car I shopped around, the interest rate is still above the state 's limits. I have contacted their representatives twice and confirmed that the price given to me online is the actual amount and it is non-negotiable.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AR 723XX	Web
Have been dealing with company for years. Instead of deleting due to their mess up they keep changing one or two things and dragging along. Account appears as if I still have an active loan causing problems with account but has repossession when they was paid complete with insurance etc. a phone call reveals how they didnt even allow me access to the sale. Balance is incorrect, reporting is incorrect etc
04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30152	Web
Bridge crest has now incorrectly reported my account as open as of XXXX of this year and added a late payment for XXXX of XXXX. This account was closed in XXXX of XXXX. Its now showing it was closed in XXXX of XXXX. I want the fraud theyre committing to stop immediately. Theyve now damaged my credit again with their fraudulent practices. My score has dropped XXXX points because of what theyre doing!
08/22/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NC 284XX	Web
I received several calls from Bridgecrest ( formerly XXXX XXXX ) requesting payment. Repeated calls 5-7 times a day from various phone numbers. When I have answered the call the company reps never identify themselves or state the debt collection statement that informs me they are collecting a debt. This leads me to doubt their identity and/or believe they are violating my safety and rights as a consumer
03/03/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	WI 53218	Web
Bridgecrest illegally repossessed my car in XX/XX/2023. They sold the car for XXXX and I I owed XXXX. They sent I paperwork first that I owed XXXX and then XXXX. Complaint to XXXX received an rejection or accepted to XXXX for which they owed me. Never received any corrected paperwork. Ive tried to communicate cant get a manger its been 4 months and still no understanding why I havent received anything.
01/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NJ 07601	Web
On XX/XX/2023, I contacted Bridgecrest ( my auto loan company ) about the exorbitant interest rate of 22.391 % that they are charging me. I asked for them to adjust my rate as it is hard for me to manage and that the rate is technically consumer usury. They responded by saying that " I signed the contract and that they can't do anything other than recommend that i contact a third party to refinance ''.
09/07/2023	Yes	Vehicle loan or lease Loan	Repossession Damage caused or loss of personal items in vehicle during the actual repossession	TX 79705	Web
" Illegal Repossession Attempt '' occurance on XX/XX/2022 due to company failure to notify XXXX XXXX XXXX of issues resolved prior which resulted in damages to vehicle. Neither Bridgecrest nor XXXX are claiming responsibility of damages. Payments came out of pocket for repairs resulting in delays, Bridgecrest notified by phone day of occurrence as well as follow XXXX after response from toe company
10/28/2021	No	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	GA 30106	Web
On Thursday XXXX XXXX I initiated communication with XXXX of Bridgecrest requesting a cease and desist of all communication with the exception of written notice via mail. I was assured that I was not speaking to a robot and that I would not receive further emails. On XXXX XXXX I received an email from Bridgecrest stating " this is an attempt to collect a debt '', despite my cease and desist request.
10/16/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	PA 18360	Web
On XX/XX/2018, a charge for XXXX as posted against my XXXX Account held by XXXX. This charge was made by " XXXX Bridgecrest XXXXBridgcst XXXX TEL ID : XXXX ''. I tried to call Bridgecrest, but they won't speak to me and insist I reach out to their legal department through my XXXX XXXX. Unfortunately, XXXX won't escalate this on my behalf due to a window ( even though it was quite a recent charge ).
07/02/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TX 77471	Web
In accordance with the Fair Credit Reporting Act ( FCRA ), Bridgecrest Acceptance Corp has violated my rights. 15 USC 1681a ( 2 ) ( A ) ( i ) states that reports should exclude any information solely as to transactions or experiences between the consumer and the person making the report. Bridgecrest has included late payment history which is in violation of the provision set fourth within the FCRA
10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80020	Web	Servicemember
Accordance with the Fair reporting act this creditor has violated my rights. Under 15 usc 1681 section 2 states I have the right for privacy. USC 1681 section 604a a consumer reporting agency can not furnish an account without my written instructions. Under uscs 1666b a creditor can not treat treat a payment on a credit card account under an open consumer account open end as late for any purpose.
02/12/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MS 397XX	Web
XXXX legal group has bought my credit information from Bridgecrest acceptance. I gave bridgecrest the auto because the transmission went out on me on a busy bridge which could have cost me and my kid our life. They promised me that they would not share my information but yet they sold my information to XXXX legal. Now XXXX legal is threatening to sue me for a car that bridgecrest has sold again.
08/10/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30297	Web
On XX/XX/2022 roughly XXXX XXXX XXXX XXXX stole my vehicle from in front of my home. After contacting BRIDGECREST I was informed they had contracted with XXXX XXXX XXXX and provided them with my personal and private information to enable XXXX XXXX XXXX to carry out and perform violations of transporting stolen property. BRIDGECREST or XXXX XXXX XXXX are not interested parties in my contract.
10/06/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AL 36092	Web
My car was totaled and XXXX XXXX sent the payoff to Bridgecrest on XX/XX/2021. I was advised by Bridgecrest to wait ten business days for the account to be closed, which is stopping me from getting another auto loan. It has been ten days and my account is still open. I am also being asked for another loan payment which doesnt make sense if they have been sent payment for the remaining balance.
07/03/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30047	Web
i submitted a complain 2 days ago about this company and it lies they are depositing check in my account allthough we were promised and told that they dont have those payment my last complain is XXXX they have since withdrawn another XXXX from my account this manager which here phone number is XXXX XXXX XXXX she promised that they have no payments and she will reimburse me any fees or payments
01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29483	Web
According to the IRS canceled debt MUST be reported as income when a consumer file taxes according to the publication 4681 ( XXXX ), canceled debts, foreclosures, repossessions, and abandonments. This company is refusing to provide me with a 1099-C to report my income and they are refusing to DELETE the reported account from my consumer report which income is not apart of a consumer report.
04/17/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	SC 29229	Web
I have new and updated information for the complaint # XXXX with BRIDGECREST. I received communication from BRIDGECREST on XX/XX/2021 threatening me with legal action if I do not give them my property. I have a cease and desist on BRIDGECREST dated XXXX. BRIDGECREST has violated my consumer rights under the FDCPA. I have attached a copy of the communication that was sent by BRIDGECREST.
02/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 12144	Web
Company has consistently refused to provide monthly statements, either mailed or electronic. Users are unable to view anything other than a balance when accessing their online 'portal '. Calls to customer service reps have resulted in being told that they do not provide statements to their customers. I wasn't event provided with a complete account number when I was approved for the loan.
04/01/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MI 490XX	Web
I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to respond or verify that this is indeed my debt.
08/09/2022	No	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30260	Web
This company XXXX XXXX has harassed me about a dent in the amount of {$14000.00} in the months of XXXX, XXXX, and XXXX year of XXXX have asked them not to harass me call nor send me emails and they continue to do it they also said that my debt will continue to harm my credit until I pay them which I do not owe them I owe Bridgecrest company Ive never XXXX any contracts with XXXX XXXX XXXX
11/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45133	Web
In accordance with the fair credit reporting act XXXX account numbers ( XXXX XXXX XXXX XXXX Support ) ( XXXXBridgecrest ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
10/31/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TN 37040	Web	Servicemember
I found out on XX/XX/XXXX that a car note was fraudulently opened in my name through Bridgecrest financial in order to purchase a XXXX XXXX XXXX from XXXX for {$38000.00} around the end of XXXX, XXXX. I notified XXXX and Bridgecrest. Recommend investigating the loan officer and salesperson for complicity since the identification used doesn't match my actual address or previous addresses.
10/07/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX XXXXX	Web
I was working with my car company on making a payment and they decided they didnt want to work with me anymore or accept payments so I was told to refinance the car or trade it before its XXXX, so I did and I went and got it approved at XXXX for a trade in and they pick the car up the same night it was approved. Please see attached emails for proof of claim. Without prejudice, UCC 3-603.
12/10/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	OH 45013	Web
I had medical issues that caused me to fall behind on payments every month. I recently had those hardship issues resolved and can get back on track to paying on time. However, during this time, a bunch of late payments were added to my credit report. This resulted in a drastic change in my credit report. Due to those reported late payments, I am having trouble being approved for a home.
07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91766	Web
On XX/XX/2020 I sent via certified mail, deliver receipt to advise that two accounts with this bank listed on my credit report were fraudulent. This company failed to remove although cfpb complaint, police report with account listed, notarized affidavit were received. This company is acting in excess of the law. I sent a follow up letter on XX/XX/2020 demanding they comply with the law.
01/13/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MS 39211	Web
Agreed on a settlement. Once completed instead of updating my account or removing the debt they brought it current and insist that I still owe them funds when I do not. I have reported it to the credit beaus and the company itself along with sending my full payment receipts and they all have denied it. I go to look up the debt on the website and it now says my account isn't even found.
02/07/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX XXXXX	Web
I have reported Bridgecrest as stolen I identified opened a account without my knowledge they too the original acct off but Bridgecrest sold that account and XXXX put it back on wont remove it after it the the same account they removed before. Same issue with the sprint account on XXXX they rude and dont listen to your statement or the FTC report sent I want those 2 accounts removed
07/16/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MD 21114	Web
I had filled a resent complaint against Bridgecrest and you can look it up since than I have had nothing but trouble getting documentation form them stating where I signed stating that when they bought my defective vehicle back from me I wasn't entitled to any of my payments back for not selling myself defective car they did. If it isn't written down I'm owed that money back XXXX XXXX
08/03/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32725	Web	Servicemember
I have an auto loan that was paid off on XXXX/XXXX/2016 in the amount of {$14000.00} ( PAID IN FULL ). As of XXXX you are still reporting my paid off account as ( OPEN ) with a balance of {$14000.00}. This is incorrect credit reporting. Please update all XXXX of my credit reports XXXX as PAID IN FULL with a {$0.00} balance. As this is incorrect balance is affecting my credit rating.
06/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MO 64138	Web
Ive been with Bridgecrest for several years they are fraudulently charging me NSF fees when I havent bounced any payments. When I called customer service today XX/XX/2023 asking them about the charges they said they wasnt showing that on their end however, I see it clear as day from my payment history. They refused to give me a answer and this has been going on for several years now.
03/09/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77449	Web
Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.
10/20/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75051	Web
I was less than a week late for my car payment, it was repossessed without even a call to resolve first. When I called to see if it had been repossessed or stolen, I was told they would no longer do business with me and there was no possibility of getting my car back. Bridgecrest then told me I may or may not even be allowed to get my car seats back because it was n't my car anymore.
12/19/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	AR 72032	Web
I have put in a billing error dispute with Bridgecrest. After repeatedly trying to resolve the issue, despite my communication with them to cease and desist, for lack of acknowledgment of the dispute, They continue to break the Fair Debt Collection Practices Laws amongst other federal laws by continuously calling me, texting me and emailing me daily in an attempt to collect a debt.
01/09/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TN XXXXX	Web	Servicemember
Bridgecrest sent me an email XX/XX/XXXX to remind me to make a payment before XX/XX/XXXX to avoid having a delinquent mark on my credit. I made the payment XX/XX/XXXX but today XX/XX/XXXX I received a late payment mark on my credit. I spoke with XXXX in collections and she would not let me speak to a supervisor or speak to anyone else for assistance. They need to be investigated.
10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11520	Web
This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
08/13/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89052	Web
They repossesed my car during pandemicand then put the loan into charge off status. I am still paying on the loan and they are not taking the vehicle out of charge off status NOR reporting the payments i make to them. Furthermore they are imposing due dates on days they are not open. So if i pay the following business day the loan reflects as late. They repo after one day late.
02/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11412	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
01/17/2019	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	VA 223XX	Web
I refinanced my car with Bridgecrest through XXXX XXXX. Everything was fine and seamless. Out of nowhere, after accepting XXXX 's money, Bridgecrest is refusing to send XXXX the title for my XXXX XXXX XXXX. They are saying they don't want the payoff from XXXX. However, they already took the money. I have already worked with my new credit union and everything making payments.
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77060	Web
I have not given written instructions for any late payments to be reported on my credit report. Any negative reporting without consent is fraud and a form of identity theft. 15 USC 1681 section 602 A- states I have the right to privacy 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
02/10/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30344	Web	Older American
Brought XXXX XXXX from XXXX XX/XX/XXXX, Bridgecrest finance the car for XXXX, for 72 months the car was total on XX/XX/XXXX and I still owe XXXX. I wasnt at fault didnt have Gap they claimed. The third party ins took blame was suppose to paid them XXXX they also took my vehicle and left me carless. My problem is I paid them XXXX a month and only XXXX is applied to principal
04/02/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MI 48224	Web
Vehicle was repossessed by company. Company sent letter of notice to sell vehicle after XX/XX/23 if full payment not received before date. I accepted the offer and tendered payment in ACCORD AND SATISFACTION in the amount of {$11000.00} on XX/XX/23 using XXXX money order XXXX which was subsequently cashed by the company. Clearly prior to the deadline date of the notice.
05/11/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	NC 28376	Web	Servicemember
I bought a XX/XX/2012 XXXX XXXX from XXXX and it turns out that it was a lemon. The transmission is slipping and my car shudders. The more I look into the issue the more it seems like XXXX should have told me that this would be an issue. Also I am being charged >24 % interest on the vehicle, is that legal? I purchased the car alone and I feel like I was taken advantage of.
09/22/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC 28025	Web
I have been with Bridgecrest since 2017. I have paid over XXXX towards a 10 year old car. I am upside down and offered to pay them XXXX additional on the loan and company refused. They stated they don't do settlements. My payments are current and the car is not the best. I got approved for another loan. It is sad how a company shows no interest in helping their customers.
04/04/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 32073	Web	Servicemember
Company told us we would have to re-apply for another loan through them to get a lower interest rate. We are currently paying 19 % interest. Florida is considered a COVID-19 Pandemic FEMA State Disaster Declarations and now with a stay home order. They will not help us with out payment of {$470.00} in anyway and are charging late fees to extend the due dates by two weeks.
04/09/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 78109	Web
As many Americans I am not working due to the Coronavirus Pandemic. Bridgecrest will not help the customers. They will not give 2 weeks for payments to be made. Their answer to everyone is file unemployment or use your Stimulus check first to pay our loan. Every other car company I know of are putting their customers first. Bridgecrest is only putting themselves first!
02/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32824	Web
i am trying to shop for a house and in my credit report pops up a voluntary repossession of a car with the same company i bought a car someone had use my previous identification to make that loan so i am trying to remove it from XXXX which is the one that is giving a hard time and obviously sent it directly to the company which is stating that i have the loan on my car
03/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90220	Web
Ive disputed this debt numerous times trying to verify an original contract and balance information. I have never received validation or information on original balance. There has not been a note or memo on collections to reflect my dispute. Lastly this company every month puts an inquiry on my report and updates the balance every 30 days. This company is harassing me.
08/13/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32712	Web
I have written to this Creditor ( Bridgecrest ) and ask that they prove the supposed debt they sent to be on my credit file. They have not validated this " debt '' and they have inconsistent information on the file as well. Because of the non-existent validation and the Inconsistent information I According to the FCRA and the FDCPA, it needs to be removed immediately.
04/22/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	VA 24017	Web
I am having a hard time due to the coronavirus pandemic my hours have been cut which caused me to fall back on payments for rent and car. I have explained to Bridgecrest what was going on I keep getting harassing phone calls looking for money that I dont have And its very irritating Im trying my best to do what I can but this company is very unhelpful during this time
09/19/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 27712	Web
Bridgecrest Credit is currently reporting that my account is past due. This is incorrect. It is delinquent because of an error that they made. My pay-dates changed, and I advised them to adjust my payment schedule accordingly. Despite requesting the change, they did not adjust the payment schedule resulting in the problems with the payment. They know its their fault.
11/12/2021	Yes	Vehicle loan or lease Title loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78753	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
04/08/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL XXXXX	Web
The company overcharged me for a XXXX XXXX XXXX that came with XXXX XXXX miles and it had alot of electrical problems & they refuse to refinance my vehicle & I couldnt keep up with payments causing them to take the car & they barely worked with me only helped me for one month but was more concerned about me paying them & not my situation due to me losing my job.
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53209	Web
IN ACCORDANCE WITH THE FAIR REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS 15 U.SC181 SECTION 602. I HAVE THE RIGHTS TO PRIVACY 15 USC 1861SECTION 604A SECTION 2 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCONT WITHOUT WRITTEN INSTRUCTION 15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENT ON OPEN CREDIT CARD ACCOUNT AS LATEON CONSUMER CREDIT PLAN ON ANY PURPOSE
05/31/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web
SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. If every piece of documentation can not be provided the account must be removed from my credit report immediately.
03/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20746	Web
I have received a data breach letter from XXXX and XXXX. I have tried disputing the items on my report but was told there is nothing no one can do. I should only have one account XXXX XXXX I have so many inquiries and accounts that I know nothing about like Bridgecrest and XXXX. I have contacted IDENTITYTHEFT.GOV and submitted a complaint as well XX/XX/2019
04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78254	Web
I called XXXX and sent a dispute to the credit bureau in XXXX about the account still showing open on my credit report. XXXX is saying the credit bureaus take 90 days to update their records. Which is false ... one because I did a dispute with XXXX and XXXX lied and told them the account is still open. And they are refusing to correct it on my credit report
06/27/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 32757	Web
2.5 years ago I went to XXXX and leased a van after them telling each month it gets report to the credit bureaus! Well now that my van is almost paid off i went to try to get a newer car and found out they never put one payment on my credit! If they can repo my car if i dont pay and put it on my credit why are they not showing me paying every month on time?
01/02/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	IN 46260	Web
My account on my car loan with Bridgecrest was charged off in XX/XX/2020. The car was repossessed but I got the car back XX/XX/2020. I am currently still making payments on the car but it still shows up on my credit as charged off. I asked them if they could remove it and they refused. If I'm still making car note payments, it shouldn't be charged off.
03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29906	Web	Older American
Bridge crest is the loan company for XXXX This was never a loan as the car my son received was not working and they are picking it up. XXXX paid for the two months that they left it sit in the driveway. They insist on having it delinquent on my account and still showing late fees, it was never an active loan. I want it off my credit report completely.
12/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28025	Web
XXXX/BRIDGECREST are breaking the law by continuing to show inaccurate information on account. Account is in repossession yet companies are reporting late payments. Co-applicants name is spelled completely wrong, as well as a $ 0 monthly payments being reported as well. All of these inaccuracies are in violation of federal law and need to be deleted.
08/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33411	Web
Recently I looked at a copy of my credit report and noticed this account. I feel that this account is adversely affecting my credit report I have disputed and contact them numerous times in reference to this account I've also provide them with a identity theft report this account is hindering me from purchasing my dream home. XXXX is the Balance
12/13/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 77065	Web
A representative made several calls to me offering a fake settlement on the account they claim i owe money for. Asked for letter in writing n was never recieved..asked to speak to someone in management was unsuccessful. The statue of limitation to collect a debt n Texas is 4 yrs..they always call n never offer official documentation about the debt
06/12/2023	No	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PA 152XX	Web
Got a car from XXXX and bridgecrest. I was never able to register the car because of them. It became illegal to drive as they wouldn't send out new temp plates. I'm not risking or paying for an undrivable car. They repossessed and sold at auction. I wanted the car and their processes didn't allow for me to register it. Now they say I owe money
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19121	Web
Bridgecrest XXXX loan reported a repossession on my credit report will out my cassette nor did they write me unletter to inform me that they will put that on my credit report I asked them to remove it and they refused to They received the vehicle back as well and the insurance paid for the damages to the vehicle because it was in a hit-and-run
03/05/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89431	Web
I was in a car accident on XXXX hit from behind the insurance company and the gap insurance paid off my car loan with Bridgecrest long story short is my account is closed but bridgecrest give me an late payment on my credit report for XX/XX/2021 which has dropped my score on my credit and the credit bureaus is doing nothing to fix the problem
02/09/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 76210	Web	Servicemember
I am a XXXX employee and have been furloughed many of times in which I notified Bridgecrest and was giving a plan to put payments on the back end of my loan and pay them. However, the payments have been and are reflecting 30 and 60 days late which is incorrect. I have since then not missed a payment and have paid off the loan in its entirety.
05/21/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80020	Web	Servicemember
I my additional payment of {$250.00} made on XX/XX/2021 shows to have been reversed on the ledger, however, it hasn't been retroactively back dated to the proper balance or daily interest rate I should be charged since XX/XX/2021. I've submitted my snap shots from XX/XX/2021 and this morning XX/XX/2021. The lack of integrity is astonishing.
08/05/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 34667	Web
The car I just purchased had problems 5 days after I got it The car was in repair shop over a week. Has problems driving it two weeks. I put XXXX down and last payment was on XX/XX/XXXX for XXXX every two weeks. My car got repo this morning and i tried calling over the weekend and emailed them to let them know I would make payment Wednesday
10/18/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 21221	Web
I have asked XXXX to stop calling me from a local phone number. They insisted that it is not them. I have voice messages from them linked to the number. When I call the number it is an actual person 's phone number and she has had the phone number for over 10 years. My payment isnt due until XXXX, and they have been harrassing me all week.
08/13/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	PA 19134	Web
the company is reporting my nonpublic information without my consent, under 15u.s.c6802 Obligations with respect to disclosures of personal information. I have a right to privacy and I never received or was told that I could Opt out from my nonpublic information from get report. This is a violation of my consumer rights and identity theft
10/21/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 28215	Web
Complaint against - XXXX XXXX -- - A company called XXXX XXXX has been harassing me with constant calls. Bridgecrest is the debt collector for another company called XXXX, a car retailer. I never bought any property from XXXX, but the agency Bridgecrest keeps contacting me, even after I asked them to put my name on their Do-Not call list.
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60409	Web
After reviewing my credit reports I noticed accounts that I didnt recall. My information was compromised and sensitive information as well as personal items and devices were at risk. I would like removal upon investigation of : Bridgecrest XXXX And also any original documentation used to open this account, ID, signature, credit card
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	GA 31404	Web
15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.. 15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
10/09/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	KY 42101	Web	Servicemember
In XXXX of 2022 The Vehicle owner Left the Vehicle On the side of the road because said vehicle was inoperable due to a Car accident. The owner of the Vehicle was Unemployed at the time and could not afford to have the Vehicle towed. The Financial company Repossessed the vehicle and is still Charging my account effecting my Credit.
10/14/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web
I have sent a validation letter on XX/XX/2022 to this company named Bridgecrest, and yet to receive a response of validation, it has been XXXX calendar days and I need this debt remove from my credit report immediately, due to no response of validation and incorrect billing, I will also have the attached letter I sent down below.
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30039	Web
Bridgecrest Finance company keeps opening and closing my charged off account since 2021 so that my account will keep it active and updated on my credit report abusing the system to keep opening and closing the account. Everything they closed it each month it drops my score and restarts the statute of limitations on the account.
04/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 71107	Web
On XX/XX/2021 I sent third dispute to XXXX, XXXX, and XXXX in regards to reporting incorrect information. I have not received any information on them validating the accuracy of the account, however the reports that they provide remains unchanged. Bridgecrest account was a voluntary repo that was charged off and paid as agreed.
04/13/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	SC 29625	Web
XXXX XXXX has failed to produce a right to cure required by my state, committed libel by notating my account as fraud, disclosed privacy to a third party, threatened and harassed via phone calls, called multiple times within short times, told many different stories regarding my account, failed to produce a requested contract.
12/24/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 07047	Web
Bridgecrest has deemed me " ineligible '' for autopay, resulting in numerous unnecessary fees, which I want refunded. I want to be on autopay. I have tried to speak to a manager, all of whom refuse to take my call and do not deliver promised callbacks. Complaints submitted to the company have gone unaddressed and unresolved.
08/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30297	Web
I have a loan with XXXX XXXX, XXXX XXXX, and BRIDGECREST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and BRIDGECREST with no successful resolution. There was definitely an error on their part.
04/12/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29642	Web
I am unable to get monthly statements on my auto loan. On the company 's website, it will show a payment breakdown with principal and interest but since XXXX 2017 mine has been incorrect. They have not applied 2 payments to my balance. When I called them they said it was a " Glitch in the system and they could n't fix it ''.
08/26/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CT 06511	Web
Reported Amount due to alledged debt collector owed : XXXX Reported to Credit reportig agency when initially no reporting was told would go to said entities ( i.e XXXX, XXXX, XXXX ) Property Siezed total Amount : XXXX Total written off XXXX. Liability forced upon by constant written notifications and threats of garnishment
06/03/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	KY XXXXX	Web	Older American
I had an account with XXXX XXXX XXXX. I lost my job and turned the vehicle back in. However I have a XXXX XXXX on my credit report for XXXX. I do not owe them this amount. The vehicle has been resold. I am not able to get a home loan because of this. Please help me get this off of my credit. Thank you, XXXX XXXX XXXX
04/05/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	KY XXXXX	Web
XXXX XXXX XXXX is charging excessive interest that violates KRS 360.010 Legal interest rate. I borrowed {$10000.00}, the maximum interest rate is 19 % interest rate, XXXX XXXX XXXX is charging 23.057 % interest rate. XXXX XXXX XXXX has refused to talk to me about the issue. See : Kentucky Court of Appeals Case XXXX
05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 641XX	Web
I disputed XXXX XXXX opened XX/XX/XXXX amount {$750.00} and Bridgecrest date opened XX/XX/XXXX amount {$11000.00} both XX/XX/XXXX and XX/XX/XXXX. I included a notarized FTC report to both companies as well as credit bureaus and the accounts have not been removed. These accounts are not mine and was opened fraudulently.
01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30306	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission and instructions.
01/03/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 44120	Web
I payed the lender money to not repo the car and they took the car stated I owed them XXXX dollars and said because I aint pay them that I owe them XXXX dollars now and the name of the company that kept my money and car is bridgecrest they are a rip off my loan has been XXXX for 3 years never went down after payments
06/03/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NY 142XX	Web
Hi Ive been in the hospital I was paying on my loan monthly company didnt tell me about charge off nobody called me I told company I was saving up to make more payments.They charged off my loan without warning and didnt tell me I had to call them to be notified very very poor customer service I had enough for 3 pmts
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33009	Web
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/09/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 79705	Web
I called to request paper statements to be sent for my records which they must supply by law. I was refused by special person assigned to my account ( XXXX XXXX. I was told that they can not supply my request and to only view online. Online does it supply breakdown of fees and charges and does not supply a invoice.
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19139	Web
Bridgecrest has previously agreed to update status, from Charge Off per Credit Report upon completion of payments in full to close/paid status. however after my full payment Bridgecrest refused to update my account. I would also like to include, that the vehicle was repossessed immediately after I made a payment.
04/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MS 386XX	Web
I purchased a car from XXXX XXXX in XXXX TN in XXXX or XXXX the loan was for a little over {$21000.00} @ XXXX a month .... From my calculations I'm done paying that loan off and they're saying I still owe over {$7000.00}... Loan Company name : Bridgecrest Car make model : XXXX XXXX XXXX Account # of loan : XXXX
04/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32829	Web
I have contacted these creditors to dispute these accounts and they do not have permissible purpose to be reporting this false accounts nor do they have my correct information or documents. they are in violation of my consumer rights according to consumer law. The creditors are Bridgecrest, XXXX and XXXX federal
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33147	Web
15 USC 1681 Section 602 States I hhave the riight to privacyy 15 USC Section 604 States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 891XX	Web
Bridgecrest is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting on there. This debt was paid off a while ago and they have not updated a single thing. I ask that they remove the balance from my credit file and stop affecting my credit.
11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30238	Web
I noticed my credit report with Bridgecrest was incorrect. They have an incorrect monthly balance since I opened the account showing {$490.00}. It should be {$460.00}. They also have not updated all my payments Ive made with the credit bureau. I told them to do this multiple times XX/XX/2024. Still not done.
12/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 604XX	Web
I have tried relentlessly to get in touch with this creditor. They are reporting that the car is repossessed when in fact it was traded in for another car. THey are also still showing a balance owed of XXXX and it should be at a balance of. The incorrect reporting is affecting my ability to obtain a mortgage
05/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IA 520XX	Web
My auto loan is through Bridgecrest and I do not receive monthly statements, only " recent activity '' is shown on my account. Recently I noticed that my payoff number, for my car, is {$2000.00} higher than a week prior! However, since they refuse to send actual statements, I have no idea why this happened.
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48187	Web
A portion of the loan was paid off by insurance company yet it continues to show a balance of {$17000.00}. I confirmed this because I checked the payment portal with Bridgecrest and it shows a balance of {$2200.00}. XXXX claims it was investigated and confirmed as being {$17000.00}, which is totally untrue.
07/01/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30236	Web
In accordance with the fair credit reporting act XXXX account # XXXX Bridgecrest, has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1692c ( C ) states you have the right to refuse to pay any debt 15 U.S.C 1692b ( 2 ) debt collectors can not say you owe anything
12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23224	Web	Servicemember
15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1691 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card as an open-end consumer credit plan as late for an purpose
02/27/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 303XX	Web
I am a victim of identity theft and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, Credit Report, etc. The accounts are attached. XXXX XXXX, Bridgecrest, and XXXX XXXX original credited XXXX XXXX.
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	PA 19149	Web
Bridge crest from XX/XX/2016 is still on my credit ... after they have the wrong information on my credit and it's affecting my score. I sent letters and disputed so many times and it comes back accurate results. Please erase Bridgecrest XXXX off my credit. Also it's been 7 years the accounts been closed.
06/26/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NY 10010	Web
XXXX company repossessed my vehicle, sold vehicle for a profit and have neither awarded me the monetary gains, removed the balance, nor returned my personal property that was in vehicle. Repossession agent used in repossession of vehicle requested {$350.00} in cash to not repossess vehicle XX/XX/2022.
06/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32807	Web
Ive explained this to the company numerous times, the loan was in my fathers name he passed away from XXXX there has to be some sort of law in place for this, this I aint supposed to be on my report anyway its older then 2 years, XXXX related death period Im not paying this loan no way no how anyway so!
04/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27215	Web
Months of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX this bridge crest company reported me as late when a payment plan was established. Company now stating no matter if a satisfactory agreement was in place they still need to report late. Have tried to speak with them directly, wrote letters yet still they report
09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33433	Web
I recently reported inaccuracy of a 30 day late payment reported on my credit I actually reached out to The company and also credit reporting agency XXXX XXXX and after their so-called investigation they did not provide any proof of accuracy of this item I would like to have this item. My credit report
08/28/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21921	Web
I made numerous attempts to get answers on this situation, i did not apply for any car loan, as they claim, nor have i know the co-buyer on this loan. Speaking to Bridge crest i was never give the location of where this loan was opened. i was never given any paper work with my signature attached to it
03/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	SC 29730	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 303XX	Web
I recently noticed that errors on my credit report has false and misleading information for individual accounts did not quite meet the credit reporting standards of being 100 % accurate. This has tarnished my character and credit and I Demand CFPB to enforce correction and or deletion of these items.
12/03/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 77033	Web
I have tried to dispute this information. I have asked for documents and procedures used to prove that this debt belongs to me. As a consumer I do not owe any debt. The reporting of this account is hurting my credit score. this violates 15 USC 1681G, UCC 9-611-613. Please have this account removed.
02/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	KY 427XX	Web
Company is the definition of predatory lending. I was made aware that my loan was accruing about XXXX dollars in interest a day, meaning only about XXXX dollars of my payment was going towards my principal. If my calculations are correct this would be well over the allowed 16 % in New York state.
11/24/2023	Yes	Debt collection Auto debt	Electronic communications You told them to stop contacting you, but they keep trying	MO 64118	Web
Bridgecrest Acceptance Corporation continues to harass me using profane and obscene language over an alleged debt I do not owe after I sent them a cease and desist letter back in 2022 and they have yet to provide me with all the necessary documentation I requested to verify this alleged account.
04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60628	Web
XXXX was removed from XXXX and XXXX but still remain on XXXX XXXX - the information is incorrect and inaccurate. XXXX was removed from XXXX and XXXX but still remain on XXXX XXXX XXXX - the information is incorrect and inaccurate. Bridgecrest - have not done business with this company.
06/25/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	DE 198XX	Web
On XX/XX/XXXX I financed a car through Bridgecrest. At the time I believed that the interest rate was accurate at 26.314 %, however, on XX/XX/XXXX, upon refinancing the loan with another lender the interest rate dropped to 7.25 %. Bridgecrest would not work with me to lower the interest rate.
05/04/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	FL 33127	Web
I did a voluntary repossession due to child support obligations and the car was returned. The state suspended the registration on the vehicle due to alledged outstanding child support obligations. I do not owe this amount and the vehicle in question has since been resold to another consumer.
03/26/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AL 357XX	Web
Account was opened XX/XX/2017 only missed 1 payment due to job loss spoke with them I tried to make a payment arrangement they refused to work with me after 1 missed payment they repossessed my car then sold it and put a balance of {$3500.00} on my credit after the account was already closed
07/18/2019	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Didn't receive services that were advertised	FL 33401	Web
I test drove this car for 7 days and sent it back and they still have this open contract on my credit report for a car that I do not own. And they verified my Dispute I did with the credit bureau as accurate and it is inaccurate. I do not own this car. Why is this still in my credit report??
09/18/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 94559	Web	Older American
This is my fourth complaint for the same matter. I purchased a car from XXXX in XX/XX/2021. The financing was provided by their sister company, Bridgecrest. I paid off the loan in late XX/XX/2021and I still do not have a title. Please don't close this complaint until the matter is resolved.
01/30/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75067	Web
I am currently behind in payment of my car. I have received several calls a day and today XXXX18 have gotten 2 voicemails about this issue. I am of the understanding that after contact has been made once a day, such as leaving a voicemail, there are to be no other calls made that same day.
09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33009	Web
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : BRIDGECREST XXXX
03/18/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	KY 41011	Web
I am writing you to inform you that Bridgecrest was unwilling to defer a payment, with the coronavirus and a state of emergency here in Kentucky and across the nation. I would like to warn other consumers that good payment history does not allow you to defer a payment with Bridgecrest.
04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31088	Web
In XXXX of 2022, in response to a goodwill requests, my rights were violated. 15 U.S.C 1681 Section 602 A states I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
12/04/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 95823	Web
Bridgecrest refused to provide a paper form of invoice/bill after numerous request by phone requesting this method of debt invoice. Was never given any notice before repossessing my car nor was I provided any information on my options ways to catch up or settle my delinquent balance.
05/27/2021	Yes	Vehicle loan or lease Loan	Problem with fraud alerts or security freezes	FL 33023	Web
Bridgecrest is reporting on my credit report, this account does not belong to me. I have submitted a police report and filed a complaint with the Federal Trade Commission in regards to an identity theft. I am respectfully requesting that this account be deleted from my credit report.
08/02/2019	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	IL 60419	Web	Servicemember
I paid the remaining debt owed to Bridgecrest on XX/XX/2019. One month later I reviewed my credit score which displayed an open account that was previously closed once the final payment was received and verified by Bridgecrest. My credit has decreased dramatically due to this issue.
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	WI 53208	Web
On XX/XX/2023 I reached out to bridgecrest for a certified bill in the amount of {$5700.00} but they provided no bill. I asked him to send me a certified copy of a legal binding contract that we both signed they did not provided it. This is my third attempt to get a bill from them.
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30331	Web
Dates : XX/XX/2020, XX/XX/2020 and XX/XX/2020 ( Bridgecrest ) These have been reported as 30 days delinquent, I was unable to make the payment due to pandemic crisis that happen, not at fault. I lost my place employment so it had begin to become extremely hard to keep up with bills
07/11/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX 75007	Web
i got in a wreck, on XX/XX/XXXX and have been making payments on my loan account. I have gap insurance and the gap company paid out the leinholder from the day of the accident. the leinholder now is not refunding my money for the 5 payments i have made since the day of the accident
10/13/2023	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	TX 79705	Web
Response to CFPB complaint presented False and misleading statements made by Bridgecrest representative without confirming initiation of a transaction no made by me. Bridgecrest actions is in violation of defamation making a claim without evidence of statements made on XX/XX/2023.
05/28/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	KY 40356	Web
XXXX failed to give me my title to me after i paid them XXXX dollars down payment then i walk outside to have my truck stolen by someone and XXXX has yet to acknowledge that they took my truck and havent told me where it is so i can go get my truck nor have they sent me the title.
04/06/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 19131	Web
I paid my auto loan off in full to XXXXBridge Crest, yet the completed payment has not been reported to the credit bureau : XXXX, XXXX, XXXX. Moreover payments have not been reported for the last 2 months, as a result my credit report is reporting false and inaccurate information.
11/22/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	GA 30909	Web	Servicemember
They keep repossessing my vehicle every time I come home. When I ask for letters or attempt to make arrangements they will not I asked for letters cant get them. They asked me was I still in the XXXX I told them yes. They will not let me refinance. They wouldnt lower the interest
11/14/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OH 45324	Web
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.
11/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 90029	Web
During my loan with Bridgecrest, I had issues with returned ACH payments and incurred return check fees. Even after canceling auto pay, payments were still being debited, and the email notifications lacked clarity about which payments were being referred to, causing confusion.
04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 335XX	Web
I had a car loan in XXXX, or XXXX from XXXX XXXX XXXX and the car was repossessed in XXXX But every year or month they put it on my credit as a new loan. It has been over a timeframe to come off of my credit. Which it is XXXX and it is still stopping me from getting a vehicle.
04/13/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85283	Web
Reached out to XXXX to remove a XXXX day late fee charge that was incorrect. Spoke to the XXXX XXXX XXXX and they agree that XXXX day late report should be removed and all late fees but XXXX late payments. XXXX refuse to change or update report with documents that was provided
08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21220	Web
i set up payment plans these past 2 months with multiple accounts to avoid delinquency 's on my credit report and they have still managed to add delinquencies on my credit report which are hurting my credit also multiple inquiries that i have not approbed of are on my credit.
10/27/2020	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	DC 20020	Web
I am a federally protected consumer and I sent Bridgecrest a cease and desist that was received on XX/XX/2020. This is a violation of 15USC1692g ( B ). The letter that was sent to me by Bridgecrest had threatening language in it that has caused stress to myself and my family.
05/03/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	TN 38127	Web
I financed a vehicle through bridgecrest with drive time and paid a cash down payment but when I looked at my statement it was posted that it was a credit transaction.which the down payment was not applied to the loan in which it wasn't. This makes the contract null and void
12/15/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IL 60423	Web
Please be advised I paid off Bridgecrest the middle of XXXX, with a refinance from XXXX XXXX XXXX XXXX they cashed the check on XX/XX/2020 and have refused to show the account as paid in full. I have been contacting them to resolve this issue since XXXX with no resolution.
09/27/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 75180	Web
I had a car from XXXX XXXX and I got really sick and couldn't afford the car and I called the company and told them I couldn't make the payments anymore they told me to take the car back to the dealership and drop it off this was 2017 now they are calling me for XXXX dollars
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 331XX	Web
The car loan was closed due to the car being a total loss all bills were finalized and the checks were sent. They are still report on my credit report that I am 30 days and then 60 days delinquent when the house has been closed out! How can I possibly owe on a XXXX balance.
12/17/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NJ 08055	Web
I was Hit from behind by another car and my car was totaled. I just bought the car so I owed over XXXX dollars. His insurance paid it off but I tried to buy another one and my credit dropped 100 points. My interest rate went way up. I was wondering if you could tell me why?
01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MS XXXXX	Web	Older American, Servicemember
Bridgecrest/XXXX had been paid in full but will not correct credit report. The account is still showing a balance. XXXX investigated but kept the same information that was a remaining balance. I sent the paid in full letter to eperian but they did not correct their error.
06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	TX 75020	Web
I noticed in XX/XX/2023 that there are a ot of accounts on my credit report that I do not recognize. I was unsure of the proper way to handle this situation along with the correct steps to follow until now. I am a victim of identity theft and this needs to handled asap.
08/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89147	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I also understand that the credit bureaus have been allowed and additional 15 days to investigate, and yet still have not received any investigation results.
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	SC 29229	Web
I was told by a representative at BridgeCrest, that if I made a payment to make the account current .that they would remove the late fees for XXXX & XXXX, I have made several attempts and nothing has ben done, I would like this to be remove off of my credit report.
09/27/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NC 289XX	Web
Original purchase amount in XX/XX/XXXX was {$8500.00}. Car was repossessed in XX/XX/XXXX with only one payment of XXXX not paid. They are reporting that I owe XXXX on a car that I do not have and didnt originally cost that much and almost a year payments paid on.
08/17/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AZ XXXXX	Web
On XXXX XXXX, 2017 I discovered Bridgecrest Credit Company , LLC had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to the FCRA. I did not receive any such notification.
09/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89147	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
11/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30043	Web
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32309	Web	Servicemember
I have some late payments that I was advised that I could get removed from my Credit Bureau by one representative. They sent a letter stating that they will not do it. this comes after the person told me that I was able to have the late payment marks removed.
02/06/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	VA 235XX	Web
I was not notified of my right to rescission as required by law under 15usc1635. I would like to rescind this transaction, retain possession of the property, and receive compensation for payments/ down payment sent to this company. in accordance with the law.
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75052	Web
Drive time aka Bridgecrest, on my credit report for XXXX, they keep updating it as repossessed every month making it look like I have a new repossession. On my XXXX credit report, they indicate that I had a high balance of XXXX in XXXX which is in accurate.
08/22/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30080	Web	Servicemember
15 USC 1681 Section 602 states I have the right to privacy In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a Account.
01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	VA 22204	Web
There is a open account listed by Bridgecrest Acceptance Corporation on my credit report reporting to XXXX, XXXX, and XXXX with different addresses for their contact information on each report. This has made it very difficult for me to contact this company.
03/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AZ 85295	Web
Bridgecrest is violating the law with misleading practices, unfair debt collection. 15usc1692 Committing fraud with down payments 15usc 1605 Violating the law by giving my information to third party without my consent 15usc 1605 unlawful finances charges
10/23/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MD 20774	Web
Please see attached BRIDGECREST RESPONSE to my initial complaint # # XXXX. Also, see attached my NOTICE OF CLAIM TO INTEREST. I will no longer allow XXXX XXXX, the Chief Financial Officer of BRIDGECREST and his compadres to mishandle my securities.
01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38114	Web
Bridgecrest XXXX XXXX XXXX XXXX XXXX, AZ XXXX account balance XXXX opened date XXXX XXXX this account is not mine I did not open this account with the company an XXXX XXXX XXXX XXXX, XXXX XXXX, CA is reporting this account on my consumer report as well
10/25/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 79705	Web
The response letter and statement sent to me via Registered Mail dated XX/XX/2023 is not sufficient evidence to prove validation requirements. This was requested since XX/XX/2023 without complete validation request and requirement considered by law
05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98034	Web
Dear CFPB, I have submitted dispute for one of the inaccurate accounts on my credit reports. I did request all the information about account and XXXX hasnt provided them to me. I want them to provide all information as a proof that account is mine.
10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39194	Web
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. This request has been denied and I would like these inaccurate information to be removed. XXXX BRIDGECREST XXXX XXXX XXXX XXXX
12/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TN 38133	Web
I scheduled a payment then I had to cancel it. I received an email stating it was canceled. I had scheduled automatic payment for XXXX and the still drafted both payment. When one was returned they charged me a nsf fee when it was their mistake.
06/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37013	Web
I have sent them the 609 letter requesting that they send me documentation of my contract with my signature. None of the credit agencies have responded and its been 30 days they have to show proof. I was never notified of my car being repoed.
07/12/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 023XX	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
05/15/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 34741	Web
we have payed on the car for 3 years and still owe XXXX the car is only appraised at XXXX thur XXXX XXXX now bridgequest how can they charge so much how can we pay fair market value without putting a bigger ding in our creditt
07/17/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 17055	Web
This is a formal notice to the consumer financial protection bureau requesting that Bridecrest provides an explanation of how I can exercise the nondisclosure option of sharing nonpublic personal information with a nonaffiliated third party
03/24/2023	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CO 808XX	Web
Bridgecrest has not applied and of the payment to the principal, has increased interest rates and violated the loan contract. I have tried for a year to get the bank to explain why the principal has not bugged. They refuse to supply answers
01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	VA 23832	Web
acct : Bridgecrest XX/XX/XXXX - XX/XX/XXXX this account was for a vehicle. the vehicle was totalled and the account was closed however my report says that the account is past due. it was paid in full by the insurance. the past due is XXXX $
04/16/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NJ 08854	Web
I returned vehicle as a voluntary repossession due to damages cause by natural declared disaster XXXX XXXX. Vehicle was sold and account was closed. Now Company is reporting to credit bureaus that I owe a balance and account is delinquent.
11/03/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NY 10031	Web
I sent a different complaint on XX/XX/2022 to BRIDGECREST CREDIT COMPANY LLC, for account number XXXX. The company 's response not satisfactory and the complaint was closed. I Pointed out all of the laws that they broke this time around.
12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32765	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10940	Web	Servicemember
As per my credit reports it states negative remarks for late payments dating 2020 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Due to Covid 19 Ive contact the company which is Bridgecrest to rectify the matter but to no avail.
10/10/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 33801	Web	Older American, Servicemember
Made arrangement on payment, but they still call every few hours from XXXX XXXX and was told not to call to check their notes on date payment would be made. I'm suffering with stage 4 XXXX and this is upsetting as well as harassing,
08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33157	Web
BRIDGECREST CREDIT COMPANY , LLC has not been able to verify this account and the credit bureaus XXXX and XXXX are refusing to remove the account from my credit report I have written them multiple times and they have not responded
03/11/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TN 37211	Web
Bridgecrest loan. Traded XXXX XXXX. XXXX for XXXX XXXX XXXX. Loan for both cars with Bridgecrest but loan for XXXX still shows on credit report making it appear as if I owe XXXX total but it should be ard XXXX. Need this corrected
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 907XX	Web
my consumer report has improper reporting and has been compromised these accounts are not my accounts i have no accounts with these companies never gave any of these companies authorization in writing to access my consumer report
09/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 219XX	Web
Payment was sent in XX/XX/2023 for {$12000.00} and they applied all to principle and they started reporting my payments as late payment and attempting to collecting full payment and not just interest. This has ruined my credit.
09/17/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34744	Web
I'm asserting my right to rescind my contact due to fraud, violation of the following USC : 15 USC 1666d ( a ) ( b ) ( c ) 18 USC 8 15 USC 1605 15 USC 1605b 15 USC 1692 ( c ) ( a ) 15 USC 1692 ( b ) ( 2 ) 15 USC 169 ( b ) ( 5 )
10/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08401	Web
Bridge crest reported on my credit reports a charged off on the account it should reflect a balance of XXXX XXXX Charged off means they received a XXXX from irs means they have a tax credit. They can not by law collect from me
08/16/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	PA 150XX	Web
I refinanced my vehicle. The payoff has been received by my previous finance company and verified by my new one. This has been almost 2 months ago and the previous company has still yet to apply the payoff funds to my account.
08/25/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33596	Web
Hello. Unable to repay current loan due to financial hardship directly impacted via COVID-19. Was able to sell vehicle. I have made every single payments on time or even more money. Company will not issue a deferment payment.
01/27/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	GA 30223	Web
I have a car through XXXXXXXX XXXX and their credit company bridgecrest. I am trying to refinance the loan ( which is still a high ridiculous amount ) and the refinance company says my cat isn't on any of my credit reports.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OK 73115	Web
I have never applied for a credit loan or car loan with this company yet they have my credit report and have been using it. And told me when I called to clear it up to " call the police '' and they would do nothing to help
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75024	Web
I paid and closed my car loan on XX/XX/XXXX, and this company reported me 30 days late for XXXX even though the loan was paid in XXXX. That makes absolutely no sense, I need this late remark removed from my credit report.
08/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30101	Web
I am not sure of the specific dates, but I have reached out to this company on several occasions requesting that they remove the negative/ late payments from my account as my vehicle has been paid off since XXXX of 2020.
02/06/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32065	Web
XX/XX/2018 Auto Loan was sold and XXXX in the amount XXXX I disputed the items to Credit Agency and the company bridgecrest no action was made. I would love dor this to be removed from my report being that it is false.
08/04/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 77388	Web
I disputed this information to the three bureaus and i neve received anything. I also sent the information to creditor and nothing was sent back to me. They never sent me a certified letter or anything on this account.
08/10/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	PA 191XX	Web
I was XXXX at the time the loan was originated. I had sent documentation from the Pennsylvania Department of XXXX confirming my dates of XXXX. They have been very unwilling to help or participate in solving this issue.
12/05/2023	Yes	Vehicle loan or lease Lease	Repossession Deficiency balance after repossession	NV 89115	Web
The company close that account saying that I old him {$10000.00} XXXX supposed to be in a cosigner on a vehicle that I never drove or had anything to do with it. Im not understanding why are all these people anything
01/31/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	LA 71201	Web	Servicemember
The fraudulent account is not mine, I am not liable for the account. It is fraudulent and unauthorized and should be removed from my credit report. This has been filed with the Police department as well as the FTC.
12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30076	Web
I filed a dispute in regards to incorrect items listed on my credit report. It has been well over 30 days and I have not received any investigation results. I demand that these items be deleted from my credit report.
01/23/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AL 350XX	Web
XXXX sold me a bad vehicle. Bridgecrest doesnt want to pay for damage but I am still order to pay XXXX dollars It was also written in the warranty that they would pay for the damages engine trans oil problems etc
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75134	Web
There is a company reporting inaccurate late payments on my credit report. I reached out to the credit bureau about this on XX/XX/XXXX and they did not reply back. They also have not fixed the inaccurate reporting.
11/03/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 79705	Web
Billing concerns, emails I received from Bridgecrest over a 3 day span. XXXX. Amounts in attachments show incorrect and inaccurate. changes made due to retaliation for complaints on company standards and practices
04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32822	Web
Bridgecrest is inaccurately reporting that my account was 30 days past due. I spoke with them and they were not able to explain how the 30 days are past due ( a payment was made before the 30 day time frame ) XXXX
05/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21218	Web	Servicemember
I have not supplied proof under the doctrine under estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
04/10/2020	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	ID 837XX	Web
I called on a number of occasions and asked to be placed on a Do Not Contact list. They have stopped calling but still are sending me emails ; emails that dont have anything to do with my account in particular.
08/24/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 75115	Web
During time contract was signed I never received my 2 attachments informing me of my right of rescission. I sent a affidavit o rescission on XX/XX/22. Bridgecrest sent a letter trying to denounce my affidavit.
04/26/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30318	Web
Please send me the original contract with my signature and the lender 's signature on the contract. PLEASE DO NOT SEND A COPY. Please provide an audit trail for the alleged debt as well to validate the debt.
07/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30101	Web
I have reached out to XXXX XXXX card on several occasions asking to remove the account off of my credit bureaus. The account has been paid for over a year now and they refuse to remove it off my credit report.
12/28/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 24019	Web
They keep calling telling us we need to make a payment, and we keep telling them, we can't till be get our Social Security, then they call again. Today alone the have called all out phone 7 times before noon.
05/01/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75214	Web	Servicemember
My down payment on my car payment contract was fraudulently listed as credit applied to my loan financed with the credit lending company Bridgecrest financing. This ordinance is in violation by 15 USC 1605
09/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48198	Web
Reported : XX/XX/2023. By : Bridgecrest Amount : {$7200.00} Action was : I spoke with company informing them of the fraud and that this debt was not mine.Then they informed me to file a complaint to CFPB.
07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77598	Web
I was trying to buy a home, and I realized I have damages on my credit report. According to the 15 U.S.C 1681 Law, there should not be any damages on my credit report. It is a defamation to my character.
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55044	Web
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
12/24/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NC 28358	Web
They call multiple times per day and early in the morning. They are also calling from different numbers. I have already explained to them that I am going through hardship and they continue to harass me.
11/29/2016	Yes	Debt collection Auto	Communication tactics Called outside of 8am-9pm	IL 62269	Web
I finance my car through bridgecrest. They continue to call before XXXX. I have told them several times I have relocated.I still recieve phone calls at XXXX .They also leave several voice mails a day.
08/09/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	AZ 85205	Web
The financial institution that is in charge of my auto loan has been repeatedly calling me. As of writing this statement, they have called me 8 times in 3 days. I have a call log and voicemails.
10/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 20155	Web	Servicemember
I have disputed several times to show that I paid off Bridgecrest account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.
08/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 631XX	Web
THE CREDITOR WAS CONTACTED AND MADE AWARE THAT THE REPORTING OF THE ACCOUNT WAS INACCURATE AND IS CAUSING DAMAGES TO MY CREDIT REPORT. THE LATE REMARKS -XX/XX/2020, XX/XX/2020, XX/XX/2020 XXXX
08/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37922	Web	Servicemember
Bridgecrest is the creditor for two ( 2 ) of my accounts pertaining too auto loans. Bridgecrest has failed to properly update the status of both my accounts to all three ( 3 ) credit agencies.
02/23/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	CO 806XX	Web
I attempted to reach out to Bridgecrest and they informed that they were not able to locate and account with my SSN so why is it right that they are able to put a derogatory mark on my credit?
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 923XX	Web
I am requesting this document because I do not believe this repossession should be reported on my credit report and that it is reporting inaccurately. BRIDGECREST XXXX Balance : {$10000.00}
06/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	LA 70119	Web
I have requested debt validation proof more than 90 days ago. XXXX was the only CRA who deleted the unverified and inaccurate account. XXXX and XXXX continue to report the unverified debt.
11/22/2020	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33598	Web	Servicemember
I am a federally protected consumer and Bridegcrest has violated me under the provisions of 15 USC 1692, 15 USC 1605, 15 USC 1602, and 15 USC 1681. Please review the attached documentation.
07/18/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OH 44601	Web
They are charging me more interest than what is allowed by law. My current interest rate is 22.789 %. when the maximum for a auto loan is 16.00 %. This is predatory lending at its finest.
12/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 287XX	Web
I bought a new car and the old loan from Bridgecrest was rolled into my new loan. My Bridgecrest account has been closed for 2 MONTHS. I disputed this and it showed as correct. It is not
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92505	Web
I have reached out to all three credit reporting agencies as well as furniture of reporting and accurate information which seems to be fraudulent and do not match current credit profile
01/01/2020	No	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32304	Web
I had a repossession four years ago and creditor report the repossession a month ago and another repossession got on my credit due and total lost of vehicle due to theft and accident.
08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33411	Web
XXXXDisputed account but didnt remove for XXXX Bridgecrest-Disputed account but didnt remove for XXXX XXXX-disputed but didntb remove for XXXX XXXX-Disputed but didnt remove for XXXX
06/04/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	OH XXXXX	Web
This loan is paid off in full and the lender Bridgecrest is refusing to update all 3 credit bureaus to reflect a {$0.00} balance, these actions are hindering my debt to income ratio.
02/18/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 63129	Web
I have been called by XXXX XXXX XXXX years ago about a car my mother got in my name and I told them then it wasnt me. Now currently I see that I got a letter saying I am Being sued
11/09/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 342XX	Web
Nothing. I just want this debt removed from my credit being that the car was repossessed and 8 months after you reported to my credit that the car was affected by natural disaster.
06/06/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30338	Web
That XXXX needs to be deleted immediately and showing paid in full not a charge off this company wouldnt provide a XXXX form or honor my gap coverage stealing money numerous times
10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30331	Web
Bridgecrest is not assisting me with several disputes I have emailed and sent via mail. regarding a removal of the late payments on dates of XX/XX/XXXX, XXXX XXXX and XXXX XXXX
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web
i have reached out to this company 6 times by mail and i have not gotten a response i have debt validations letters and also cease letters, i have not gotte any responses back
02/16/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30236	Web
I have reach out to BridgeCrest and requesting information in which I have yet receive a response. BridgeCrest is in violation of my rights as a federally protected consumer.
02/16/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30236	Web
I have reach out to BridgeCrest and requesting information in which I have yet receive a response. BridgeCrest is in violation of my rights as a federally protected consumer.
01/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30189	Web	Servicemember
My dad passed and was faced with financial difficulties. I have reached out to the company for bereavement assistance and none was provided, just payment arrangement 's only.
10/24/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	NC 27896	Web
I traded in my used car with Bridgecrest Financial for a brand new car and the loan is still being reported on my credit report as a active loan that has not been paid off.
08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60651	Web
Late payment on my credit report supposed be remove due to privacy and consent. There's no law, stating that late payments should be reported under the privacy and consent.
04/25/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MD 21921	Web
my XXXX was repossessed, and the account was charged off but still shows a balance due, it was charged off in XXXX of 2020 but states it was repossessed in XX/XX/2020 2020
09/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 890XX	Web
I have requested items on my credit report are investigated and please send me results in 30 days, This investigation took well over 30 days as I am still waiting results.
02/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 454XX	Web
I filled a dispute awhile ago in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.
07/15/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 303XX	Web	Servicemember
Have tried to refinance loan due to high predatory interest rates and have not been able to do so as they charge a daily compounding interest rate of almost XXXX per day
11/04/2020	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	LA 70737	Web	Servicemember
I am a federally protected consumer and Bridgecrest Financial has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
07/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19132	Web
Fraud Account When I found out I contacted the company directly and even filed report with the FTC they have been unresponsive and they are not willing to work with me
10/19/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30102	Web
The car loan was paid off by insurance. The collection company is charging me interest because interest was charged while they waited for the insurance company to pay
04/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 191XX	Web
There is an fraudulent car loan on my credit report I sent the credit bureaus the information they needed from me & still no progress please help me with this matter
03/19/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	DC 20020	Web
I Am Not Liable For This Debt With BRIDGECREST And Do Not Have A Contract With ( BRIDGECREST ). They Did Not Provide Me With The Original Application As Requested.
08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33029	Web
According to the Fair Credit Reporting Act.This account has reached it's expiration date, and must be removed.Also including false information about late payments.
01/11/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 78108	Web
Bridgecrest is reporting a auto loan that I 'm not responsible for. I have disputed and sent paperwork with explanation.Please help me resolve this matter quickly.
09/06/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75115	Web
I got a car loan XX/XX/22 and it has come to my attention that my right of rescission was never provided or explained. I sent a affidavit of rescission XX/XX/22
01/03/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30324	Web
The car was in an accident, which it was totaled and the insurance company paid the car off. The information on my credit is incorrect saying it was charged off
08/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 216XX	Web
I am currently in a chXXXX bankruptcy filing status which bridgecrest is aware of and they have continued to report payments as late after my bankruptcy filing.
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92555	Web
I have notified the following companies : XXXX XXXX and Bridgecrest regarding fraudulent accounts reporting on my credit report. No response by either company.
01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	SC 29687	Web
BridgeCrest, XX/XX/21. My XXXX to XXXX according to XXXX XXXX of rescission. They have been none compliant and has not offered a remedy to resolve the matter.
11/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30316	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. BRIDGECREST CREDIT C XXXX Balance : {$0.00}
04/07/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	OH 44102	Web
I never signed or dealt with XXXX XXXX. Very unaware of this company. I asked can they submit all documents I signed with their company and received nothing
09/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33407	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
11/26/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78759	Web	Servicemember
I tried to contact Bridgecrest twice. Both times they would not talk to me because my social security does match what they have. This is not my agreed loan.
10/24/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	GA 317XX	Web
XXXX XXXX XXXX chargeoff payment plan Amount owed not accurate car not worth it & eraneous errors & I Neva gave anybody permission sell my acct to 3rd party
05/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30341	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30083	Web
After reviewing my credits report I noticed a charged off still reporting monthly to the credit bureaus! I never received a 1099c or cancellation of debt.
03/26/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77521	Web
Bridgecrest falsely reports a debt for {$16000.00} from XX/XX/XXXX to XX/XX/XXXX have received threatening letters and phone calls from the debt collector
08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32818	Web
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
10/11/2020	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	LA 71112	Web
Bridgcrest I have XXXX XXXX XXXX that is XXXX behind I tired to work it out with them and they want my car and not trying to work with me with situation
04/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77380	Web
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34638	Web
I have filed a dispute in regards to the incorrect items on my credit report.It has been over 30 days and i have not received any investigation results.
03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 150XX	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
03/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28147	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 151XX	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
06/17/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32807	Web
This loan was for my father, I was the co-signer he passed away from XXXX in XXXX they repossessed the car I dont think its right being on my report
06/03/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	GA 30577	Web
There's accounts on my credit report that I don't recall having knowledge about. I would like to have them removed as soon as possible indefinitely.
02/10/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 78230	Web
I have not received my over payment, and this car is still showing as current on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98034	Web
This company is reporting that I owe money to them. I have tried to fix this issue with them MANY TIMES and they decline to verify my debt to them.
10/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08401	Web
Debt is charged off which mean debt is forgiven by law and should have a balance of XXXX. Legally they are issued 1099-c and it is a tax write off
09/20/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 77479	Web
I filed disputes with all three credit bureaus and not one received a response from the creditor nor the creditor mark the account as disputed.
11/07/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75061	Web
I have a loan with XXXX now know as Bridgecrest presently. This company no matter what will report late payments, even when you are caught up.
07/20/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 94559	Web	Older American
My loan was paid in full in XXXX but I have yet to receive the title and the lender has not yet reported the payoff to the credit bureaus,
12/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78244	Web
I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response
01/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92808	Web
I never had a car loan, I was in XXXX during the time of this loan and I was the vicitm of idenity thedt and I have filied with the ftc.
12/27/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	AR 72032	Web
I submitted a prior complaint, reference # XXXX. I am still receiving harassing communication from Bridgecrest. See attached documents.
09/06/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 29605	Web
Its things that are on my credit report that have the dates open and the dates last reported wrong and or different on my credit report
07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30083	Web
Bridgecrest is reporting negatively to the credit bureaus on my credit report after the it was charged off & i never received a 1099c.
02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33463	Web
Contacted company requested they stop reporting an account that was paid off by insurance as derogatory, chargeoff, and/or collection.
10/19/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77021	Web
SOMEONE STOLE MY PERSOANL INFORMATION AND OPENED THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : XXXX XXXX OPENED : XX/XX/2013 AMT. XXXX
08/31/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75115	Web
On XX/XX/2022 Brigecrest illegally hired a third party company to repo my vehicle violating 15U.S.CODE 6802 which is against the law.
10/19/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MO 65109	Web	Servicemember
I keep paying extra money and it keeps disappearing and not going to my principal so their charging more in compound Interest per day
05/22/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 27103	Web
My boyfriend submitted fake check stubs to obtain a vehicle loan and is now hiding the car because he is unable to make the payments.
06/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web	Servicemember
XXXX refuses to look into the evidence submitted about accounts that actually are reporting false information on my credit report
07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA XXXXX	Web
Account number XXXX XXXX XXXX XXXX per statue 15usc these items are reporting in error. Account number XXXX BRIDGECREST
07/04/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 29210	Web
Laid off due to COVID 19. Company refused to work with me and reposessed my vehicle in the middle of a pandemic. Unacceptable
11/16/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	TX 75287	Web
Company has my name wrong and Ive never lived at address shown, also account shows closed but still showing on credit report
09/15/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 15235	Web
I paid this account off twice payments are getting reversed to the account but the money is not returned to my bank account!
02/22/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 208XX	Web
the company is taking my payment for my due car note and subtracting fee from it then reporting me to credit breau as late!
01/30/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL 322XX	Web
I have spoken with them several time in removing lates fees off my credit. My account have never been more than 30days late
10/18/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30305	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32822	Web
Bridgecrest is inaccurately showing that my account was 30 days past due. I made a payment within the 30 day window.
12/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	GA 30008	Web
I asked for paper statement or bill so I could endorse the check or use the remittance coupon to discharge my debt.
08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32811	Web
I have been writing letters since XX/XX/2021 and I never got a response. Payment history is wrongly being reported.
05/03/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	IL 60504	Web
I just checked my credit report and I dont recognize a loan thats on my credit. I am a victim of identity theft
04/06/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 77571	Web
I tried to contact the company for a deferment on my auto loan. They refused and I it offered 1 week extension.
07/19/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NC 27616	Web
I am not associated the address in file that attached to my credit report and my name is incorrectly spelled.
12/06/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44128	Web
this company had my car repossessed by an unauthorized third party and i want a copy of my original contract
12/14/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	SC 294XX	Web
Bridgecrest is reporting on XXXX and XXXX all incorrect information that was wrongly reported and not mine
03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 608XX	Web
I've told this company multiple times to remove the late payments from my consumer report and they REFUSE.
02/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07305	Web
Under 15 US Code 1666 ( b ) - Correction Of Billing Errors no late payments should be on a consumer report
04/27/2023	Yes	Debt collection Auto debt	Communication tactics Called before 8am or after 9pm	MI 483XX	Web
I received a collection call from the company after XXXXXXXX XXXX. I had already made my monthly payment.
06/16/2021	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	GA 30088	Web
Bridgecrest has violated my rights under the : 15 USC 1605a, 15 USC 1692b ( 2 ), and 15 USC 1692b ( 5 )
02/22/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 282XX	Web
I have disputed several times reached out to the company to remove this fraudulent charge and they wont
08/14/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	CA 92311	Web
The amount that was financed is wrong and they are. Also representing late payments thats incorrect
01/13/2022	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	WI 53222	Web
Never missed a payment and at payoff my account is sating they I owe payment and reversed payment.
03/15/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	DE 19720	Web
I was 13 days late on a car payment, the company reprocessed my vehicle without any notification.
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53222	Web
XX/XX/2021 {$27000.00}. I have tried calling and writing the company since i seen this reported.
12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30228	Web
These credit inquiries are unauthorized and meed to be removed from mt credit report immediately
11/25/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	WI 53406	Web	Servicemember
bridgecrest finance car is paid off by carvana due to selling me a car that was not repairable
04/22/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 37363	Web
Company continues to call every day after due date. 3 or 4 times a day. Account aways current.
09/21/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	AZ 859XX	Web	Older American
I have contacted Bridgecrest for a payoff letter as I am trading in my car for a new vehicle.
07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 15136	Web
Vehicle was voluntary given back XXXX yrs ago. It says my account is still past due and open
06/03/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MS 38655	Web	Servicemember
I've been XXXX for a year, not my loan fraud used to put my name and social on account.
06/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27534	Web
Bridgecrest credit is reporting incorrect information on my credit reports.
12/30/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 330XX	Web
XX/XX/2019 for XXXXbalance also loan and interest went up too high XXXX
12/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MA 02122	Web
I've been making payments and the initial loan amount never goes down
08/30/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29710	Web
My credit had negative and late payments reported on my credit report
09/17/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IN 46410	Web
I am the Consumer and Natural person and my rights has been violated.
08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77584	Web
Unauthorized and inaccurate accounts reported from my credit report
09/26/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MA 024XX	Web	Servicemember
Bridgecrest refuses to allow me to make payments on its web portal.
12/20/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	SC 29405	Web	Servicemember
Debt happened why I was XXXX and asking for debts to be removed.m
08/29/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IN 46226	Web
if the account is charged off how is balance continuously growing?
12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 92084	Web
This Company is NOT reporting my Payments I'm making on my loans.
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60153	Web
DEBT IS MORE THAN 7 YEARS OLD AND TOO MANY INACCURACIES EXIST.
01/06/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 33407	Web
Bridgecrest auto loan on my account XXXX needs to be removed.
01/16/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	FL XXXXX	Web
I off Bridge crest need it to be report to XXXX credit report
12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45371	Web
they are reporting information to 3rd party nonaffiliate 's
09/05/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	CA 933XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/18/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MS 38671	Web
They are constantly calling threatening about this vehicle
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36117	Web
I do not recall ever having this account/ Identity Theft
05/25/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MS 39120	Web
This Bridgecrest so cheat she wrong amount and scammers
05/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33023	Web
Victim of Identity theft, please see attached report.
09/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 303XX	Web	Older American
COMPANIES REFUSE TO REMOVE INACCURATE INFORMATION ...
03/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32810	Web	Servicemember
I have accounts on my credit file that are not mine
08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MD 21122	Web
This account is too old to be on my credit report
01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 92084	Web
Company is in violation of the original contract.
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45014	Web	Servicemember
Bridgecrest falsified that I had a late payment.
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 352XX	Web
Disputed information in XXXX and again in XXXX.
04/17/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	PA 18951	Web	Servicemember
Got a police report somebody stole my identity
03/01/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CO 810XX	Web
Loan Paid Off XX/XX/XXXX Will not send title.
04/14/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 19138	Web
principal payments not applied to principal
10/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48234	Web
I would like everything to be disputed
06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TX 78754	Web	Servicemember
identity theft of my credit report
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	VA 231XX	Web
i was a victim of identity theft
04/22/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 75227	Web
Auto dept does not belong to me.
06/08/2023	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	MI 48234	Web
The car was sold in a auction
10/26/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	NV 89052	Web
Several calls and disputes
09/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 395XX	Web
Late payment not removed
12/08/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 33705	Web	Servicemember
Bridgecrest
02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	GA 30342	Web	Servicemember

02/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 238XX	Web

01/30/2024	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	IL 62025	Web

01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43227	Web

01/29/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 32218	Web	Servicemember

01/27/2024	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	MA 02360	Web

01/27/2024	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	KY 40165	Web

01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77077	Web

01/27/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 23666	Web	Servicemember

01/26/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	NV 89511	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28152	Web

01/25/2024	Yes	Vehicle loan or lease Loan	Repossession Voluntary repossession	TX 78724	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 18020	Web

01/23/2024	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IL 60453	Web

01/23/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MA 02780	Web

01/23/2024	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29072	Web

01/23/2024	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29072	Web

01/23/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07860	Web

01/23/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44118	Phone

01/20/2024	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	GA 30349	Web

01/20/2024	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	GA 30349	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77022	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29072	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46214	Web

01/19/2024	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	VA 23831	Web	Servicemember

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29574	Web

01/18/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94534	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30313	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10475	Web

01/17/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85741	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33543	Web

01/16/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43054	Web

01/16/2024	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	FL XXXXX	Web	Older American

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30349	Web

01/15/2024	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA 19104	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89511	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77096	Web

01/14/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 150XX	Web

01/12/2024	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	NJ 07304	Web

01/12/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 317XX	Web

01/12/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	TX 78252	Web

01/11/2024	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL XXXXX	Web

01/10/2024	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32926	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 152XX	Web

01/10/2024	Yes	Vehicle loan or lease Loan	Repossession Voluntary repossession	TX 77469	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TN 372XX	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34769	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92115	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60619	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30309	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	FL 32219	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 15235	Web

01/04/2024	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 75051	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11249	Web

01/03/2024	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TN 37769	Phone	Servicemember

01/03/2024	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 94565	Web

01/02/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NC 27104	Web

12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30084	Web

12/28/2023	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	GA 30331	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40272	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60409	Web

12/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85018	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NC 28012	Web	Older American, Servicemember

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60628	Web

12/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28278	Web

12/19/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 323XX	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77077	Web

12/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89106	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30024	Web

12/16/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	TX 75034	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48221	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48221	Web

12/15/2023	Yes	Vehicle loan or lease Lease	Improper use of your report Reporting company used your report improperly	IL 60449	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30016	Web

12/15/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	GA 30102	Web	Servicemember

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31150	Web

12/13/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	TX 75034	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 11249	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23220	Web

12/10/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 78217	Web

12/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21206	Web

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30501	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36108	Web	Servicemember

12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45371	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90247	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46214	Web

12/05/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 75189	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10475	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30501	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32501	Web

12/02/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	NC 28518	Web

12/01/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 28518	Web

12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30269	Web	Servicemember

11/28/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	TX 75034	Web

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36301	Web

11/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10980	Web

11/25/2023	Yes	Vehicle loan or lease Lease	Repossession Company communicating payment assistance or payment extension options	NV 89178	Web

11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78015	Web

11/22/2023	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	OH 43216	Web

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77032	Web

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30120	Web

11/15/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30102	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75078	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31210	Web

11/09/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	SC 29032	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28086	Web

11/07/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	CA 92234	Web

11/07/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	NY 10980	Web

11/06/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MO 64093	Web	Servicemember

11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33409	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19140	Web

11/03/2023	Yes	Vehicle loan or lease Lease	Repossession Notice to repossess	CO 80915	Web

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15205	Web

10/31/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	TX 75034	Web

10/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95833	Web

10/29/2023	Yes	Vehicle loan or lease Loan	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48035	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60628	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19120	Web

10/25/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 79705	Web

10/25/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79705	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79705	Web

10/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	CA 92651	Phone

10/23/2023	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	AL 36108	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45371	Web

10/21/2023	Yes	Vehicle loan or lease Loan	Repossession Voluntary repossession	MO 63116	Web

10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77077	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76308	Web

10/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	GA 30078	Web

10/15/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AL 36426	Web

10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10475	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30045	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30045	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30045	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78015	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77032	Web

10/12/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	MD 21215	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 14624	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46214	Web

10/10/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	IL 62221	Web

10/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 17109	Web

10/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19082	Web

10/06/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 90004	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19140	Web

10/04/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IN 46342	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11691	Web

10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77096	Web

10/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60827	Web

09/30/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77598	Web

09/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77384	Web

09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07304	Web

09/26/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 32320	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33321	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38125	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48204	Web

09/21/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	IL 60193	Web

09/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NJ 08610	Phone

09/21/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	TX 79925	Web

09/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31907	Web

09/20/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30016	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85308	Web

09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34761	Web

09/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 91729	Web

09/17/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 770XX	Web

09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77079	Web

09/15/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 75180	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35064	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60628	Web

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30060	Web

09/12/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web

09/12/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CO 80214	Phone

09/12/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PA 15235	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60618	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web	Servicemember

09/11/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	FL 32303	Web

09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77077	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28278	Web

09/06/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MI 48127	Web

09/05/2023	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07206	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39648	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77079	Web

09/04/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 92336	Web

09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60409	Web

09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60409	Web

08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web

08/30/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 77057	Web

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29483	Web

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19082	Web

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 290XX	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75115	Web

08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75019	Web	Servicemember

08/24/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NY 11743	Web	Servicemember

08/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NY 11743	Web	Servicemember

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19150	Web

08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17046	Web

08/23/2023	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Billing dispute for services	TX 77568	Web

08/22/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	AL 36108	Web	Servicemember

08/22/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30078	Web

08/19/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29016	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	PA 18104	Web

08/14/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30253	Web	Older American, Servicemember

08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	PA 18104	Web

08/10/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AZ 85378	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web

08/08/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OH 43222	Web

08/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77026	Web

08/07/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NC 27616	Web

08/04/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MT 59106	Web

08/03/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 01821	Phone

08/02/2023	No	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	GA 30349	Web

08/01/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 93401	Web

07/31/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33172	Web

07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77088	Web

07/28/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA 19104	Web

07/28/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 53220	Web

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75067	Web

07/27/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA 19104	Web

07/26/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 29483	Web

07/26/2023	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30034	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TN 38112	Web	Servicemember

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33881	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 335XX	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28213	Web

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30274	Web

07/21/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY 11249	Web

07/19/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	KS 67654	Phone

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19146	Web

07/15/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32534	Web	Servicemember

07/14/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32534	Web	Servicemember

07/13/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	PA 17055	Web

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27405	Web

07/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 21133	Phone	Servicemember

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11212	Web

07/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 76052	Web	Servicemember

07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28052	Web

07/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28052	Web

06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32222	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75067	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35215	Web

06/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15001	Web

06/26/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NV 89156	Web

06/22/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60612	Web	Servicemember

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30016	Web

06/19/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 21230	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28037	Web

06/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20740	Web

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30052	Web

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77449	Web

06/12/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem extending the lease	GA 30127	Phone

06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20784	Web

06/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 280XX	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75067	Web

06/08/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	OH 43147	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40211	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78626	Web

06/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 19132	Web

06/06/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OH 44130	Web

06/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60605	Web

06/06/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 12201	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28052	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89135	Web

06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 16511	Web

06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 91729	Web

06/01/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30044	Web

06/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 31217	Phone

05/31/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 38108	Phone

05/30/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MN 55077	Web

05/29/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA 15218	Web

05/26/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 31217	Phone

05/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MS 39120	Phone

05/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60645	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 13057	Web

05/24/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	NJ 08330	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19139	Web

05/24/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33019	Web

05/24/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MI 48191	Web

05/23/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	IL 60056	Web

05/23/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30054	Phone

05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39056	Web

05/20/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PA 18447	Web	Servicemember

05/18/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 76671	Web

05/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91763	Web

05/18/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	NY 11370	Web

05/17/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NY 119XX	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92877	Web

05/17/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30005	Web

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30080	Web

05/15/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 28040	Web

05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63136	Web

05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95747	Web

05/14/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	GA 30005	Web

05/13/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 18017	Web	Servicemember

05/12/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 32808	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46409	Web

05/11/2023	Yes	Vehicle loan or lease Lease	Improper use of your report Reporting company used your report improperly	NV 89119	Web

05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 47368	Web

05/09/2023	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CT 06511	Web

05/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80936	Referral

05/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30223	Web

05/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 78634	Web

05/08/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90746	Web

05/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 08330	Web

05/07/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 27858	Web

05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77035	Web

05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CT 06820	Web

05/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29611	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30309	Web

05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90014	Web

05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20770	Web

05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75039	Web

04/30/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36608	Web

04/29/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	GA 30005	Web

04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30083	Web

04/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	WI 53212	Web

04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89118	Web

04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75035	Web

04/26/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90017	Web

04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CT 06751	Web

04/26/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NY 10032	Web

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28037	Web	Servicemember

04/24/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PA 17055	Web

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28212	Web

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32303	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30135	Web

04/20/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30132	Web

04/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30253	Web	Older American, Servicemember

04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33069	Web

04/15/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30016	Web

04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76542	Web

04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76542	Web

04/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30339	Web

04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34747	Web

04/14/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MD 21215	Web

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30096	Phone

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08648	Web

04/11/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PA 19004	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89119	Web

04/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29611	Web

04/10/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	PA 17055	Web

04/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 38118	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32837	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34747	Web

04/06/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web

04/02/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	FL 34747	Web

04/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30132	Web

03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32224	Web

03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80013	Web

03/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30152	Web

03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19152	Web

03/26/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	CT 06820	Web

03/26/2023	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33068	Web

03/24/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33032	Web

03/22/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 32605	Web

03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77015	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90712	Web

03/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 61821	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77095	Web	Servicemember

03/16/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30084	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34747	Web

03/15/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 20770	Referral

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32821	Web

03/14/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 90712	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23455	Web	Servicemember

03/13/2023	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33009	Web

03/13/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	OH 44105	Web

03/10/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33068	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39213	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30315	Web

03/09/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 77084	Web

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30312	Phone

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 13209	Web

03/07/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 17055	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75089	Web	Servicemember

03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34747	Web

03/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33309	Web

03/03/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	AL 36769	Web

03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60564	Web

03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80013	Web

03/01/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 76180	Web

03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77351	Web

03/01/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 77351	Web

02/27/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 32805	Phone

02/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 08638	Web	Servicemember

02/23/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32935	Postal mail

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75115	Web

02/21/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60637	Web

02/19/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX 76085	Web	Servicemember

02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11691	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46360	Web

02/15/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33032	Web

02/08/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PA 17603	Web

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95828	Web

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CO 80013	Web

02/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30339	Web

02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32065	Web

02/05/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OH 43147	Web

02/04/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 34667	Web

02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19124	Web

02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48225	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60115	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30338	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75007	Web

02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80013	Web

02/01/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33592	Web

02/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20723	Web

01/31/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75115	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80013	Web

01/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78216	Web

01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80013	Web

01/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20745	Web

01/26/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80013	Web

01/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 17034	Web

01/23/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33160	Web

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77396	Web

01/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63136	Web

01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28273	Web

01/19/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75062	Web

01/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 38120	Phone	Older American

01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web

01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34747	Web

01/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 77070	Web

01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30141	Web

01/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MO 63116	Web

01/12/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 76002	Web

01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85042	Web

01/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32224	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34747	Web

01/10/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 32839	Web	Servicemember

01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23513	Web

01/09/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	MO 63136	Web

01/08/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 85043	Web

01/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80013	Web

01/08/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OH 43081	Web

01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63136	Web

01/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	FL 32605	Web

12/31/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD 20912	Web

12/30/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30180	Web

12/29/2022	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	KY 40258	Web

12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33009	Web

12/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34747	Web

12/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21044	Web

12/22/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 31312	Web

12/22/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NV 89123	Phone

12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77459	Web

12/19/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NM 87114	Web

12/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35115	Web

12/17/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	GA 30002	Web

12/16/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32224	Web

12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77064	Phone

12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60647	Web

12/13/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 76028	Web

12/12/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA 90017	Web

12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33324	Web	Servicemember

12/12/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32224	Web

12/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34747	Web

12/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	SC 29684	Web

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43031	Web

12/08/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30310	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33313	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33634	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33634	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90250	Web

12/04/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29483	Web

12/04/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 24501	Web

12/03/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 11249	Web

11/28/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MI 48198	Phone

11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75115	Web

11/28/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75115	Web

11/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75062	Postal mail

11/24/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	PA 19132	Web

11/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 23234	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78634	Web

11/19/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 90301	Web

11/18/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	VA 23666	Web

11/16/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 76207	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	RI 02861	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33311	Web

11/14/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NV 89121	Web

11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75115	Web

11/12/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75115	Web

11/11/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32210	Web	Older American

11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75115	Web

11/11/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60459	Web	Servicemember

11/10/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IA 50315	Web

11/10/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 92648	Web

11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31602	Web

11/09/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MA 01922	Web

11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33125	Web

11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CO 80911	Web

11/02/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	KS 66221	Web	Servicemember

10/28/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75115	Web

10/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web

10/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79705	Web

10/28/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MS 38654	Web

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30076	Web

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	KY 40203	Web

10/27/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AL 36608	Web

10/25/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 90008	Web

10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20770	Web

10/24/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66221	Web

10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32222	Web

10/20/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35209	Web	Servicemember

10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60559	Web

10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97007	Web

10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75115	Web

10/11/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	KY 40215	Web

10/11/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29203	Web	Servicemember

10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31602	Web

10/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32837	Web

10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web

10/06/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 75115	Web