Bridgecrest

October 28, 2016 Revdex.com Phone: [redacted] Fax: [redacted]   Re: Case #: [redacted]   To Whom It May Concern:   Thank you for bringing this matter to our attention. We appreciate the opportunity to re-address our customer’s concerns. As stated in our initial response, our customer’s vehicle was recovered when her Proof of Income documents were determined to be fraudulent during our after-sale review process. As our customer notes in her complaint, we contacted her by phone to advise that additional documentation was required. Attached you will find the Proof of Income documents for your review. On September 29, 2016, the vehicle was recovered. On that day, the customer made several calls to Bridgecrest to discuss the situation. At no point did our customer state that personal items remained in the vehicle. Our notes indicate that she reported that she had surrendered her keys and retrieved her items from the vehicle. Our notes further indicate that she was provided with the contact phone number for the recovery agency. Were any items left in the vehicle, she would need to contact that agency to retrieve them.
FULL RESPONSE ATTACHED

To Whom It

May Concern,Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On February 5, 2016, our customer entered into a Simple Interest Retail Installment

Contract with DriveTime when she

purchased a 2010 Buick Lacrosse. The...

Contract was

subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance Corporation. Attached is a copy of the Simple Interest Retail Installment

Contract for your reference. On November 23, 2016, our customer contacted Bridgecrest inquiring about possible

payment deferments. She informed us that she had been assisting with her mother’s medical bills. We advised her that we would need proof of out of pocket expenses in order

to submit the request

for payment

deferments.Payment deferments are provided

to our customers who have experienced a hardship.

The purpose of these deferments is to provide payment assistance by placing these payments at

the end of the loan. This will push back the maturity

date and interest continues to accrue during the deferment period. In order to perform a payment deferment, Bridgecrest requires our customers to provide evidence of a hardship. For

our customer, we requested she

submit a billing statement for her medical expenses. We do not require personal

information be left on the billing statement, or any

other supporting documents, but Bridgecrest needs

to verify that there was a hardship. Bridgecrest does not offer payment deferments until our customers are

outside their hardship.We do this to ensure

that our customers will be able to maintain their regularly schedule payments after the deferment period.On November 28, 2016, Bridgecrest spoke with our customer concerning her

payments. She informed us that she was paying out of pocket for medical expenses and needed assistance with November’s payments. She inquired about having the pay frequency changed to monthly as this would help her maintain payments on her account. She also made us aware of the poor customer service experience she had with prior Bridgecrest representatives, to which we are exploring for any training opportunities and will handle internally. We offered to

perform a two payment deferment for the payments in the month

of November. Our customer expressed

satisfaction with our

offer of resolution. At this time, Bridgecrest is currently working with our customer to complete a two-

payment deferment. Once the deferment completed, we will perform a frequency change

to monthly.We apologize for any inconvenience or confusion this matter may have caused. As a goodwill gesture, Bridgecrest has applied a $25.00 credit towards our customer’s account balance. Bridgecrest thanks the

Revdex.com for their ongoing support. Should you have any questions or concerns, please contact

us by calling us at

[redacted].

To Whom It

May Concern: Thank you for bringing this matter to our attention. We appreciate the opportunity

to address our customer’s concerns.On June 29, 2010,

our customer entered into a Simple Interest Retail Installment Contract

when he purchased a 2005 Dodge

Ram 1500 from DriveTime. The...

Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest

Acceptance Corporation. Attached is a copy of the Simple Interest Retail Installment

Contract (Contract) for your review. At the time of sale, our customer agreed to make 129 bi-weekly payments of $209.44 beginning on July 17, 2010 and one final payment of $209.05 on June 27, 2015. In December of 2014, Bridgecrest performed a frequency change to semi-monthly payments beginning in January of 2015, for the 2 and 17 of

every month. On page one of the Contract, under subsection Federal Truth in Lending Disclosures, it provides

the following:·    Annual Percentage Rate – 21.339%·    Finance Charge - $10,540.30·    Amount Financed – $16,686.51·    Total of Payments - $27,226.81·    Total Sale

Price - $29,576.81 (with a $2,350.00 down payment)As this is a simple interest loan, interest continues to accrue daily. On page 3 of the Contract, under subsection Finance Charges,

it states: “This is a simple interest Contract. The finance charges you pay will depend on how you make your payments. Your actual finance charges may be more than the disclosed Finance Charges if you make your payments late or inless than the scheduled amount.”Our customer has had extensive payment history.

As of November 30, 2016, our customer has

been:·    5 days past due 21 times·    10 days past due 21 times·    20 days past due 19 times·    31 days past due 24 times·    61 days past due 8 times Additionally, throughout the life of the loan, Bridgecrest has worked with our customer on

multiple occasions by assisting with payment deferments and frequency changes to assist our customer’s success in the loan.  Assisting with multiple payment deferments moved our customer’s maturity date of January 2,

2018. On January 8, 2016, our customer made a payment of $5,000.00 to his account. Of this amount, $4,960.00 applied towards the payments between January

2016 and a November

of 2016. The remaining $40 applied towards the late fees on the account. Throughout this

period, Bridgecrest has only received one other payment, on November 25, 2016, for$229.14. As of November 30, 2016, our customer’s accountis current with

$81.08 needed to satisfy the

next

payment

due on December 2, 2016.Between May of 2016 and current, Bridgecrest and our customer have had conversations concerning

the payoff amount. He informed us that he has paid close to the original total sales price and inquired why the payoff balance remains. We advised him that he entered

intoa simple interest loan and interest continues to accrue daily. Bridgecrest informed him

they have assisted with multiple payment deferment which will affect the payoff amount and

maturity date.At this time, Bridgecrest is

offering the following settlement

offer to our customer: Bridgecrest agrees

to:·    Allow You to retain the vehicle.·    Waive deficiency balance·    Release the

title·    Modify credit reporting by Us (“trade line”) from all three (3) major Credit Bureaus(“Credit Reporting Agencies”) to report

Bridgecrest trade line as PAID IN FULL Our customer will be required to sign a Full Settlement and Release of Claims if they choose to take advantage of this offer. This settlement offer is good until December 16,2016. We have also sent our customer of all the requested documents he signed at the time of sale.We apologize for any inconvenience or confusion this matter may have caused. As a goodwill gesture, Bridgecrest has sent a $25.00 American Express gift card to the address

on file. Should our customer wish to discuss this matter

further, we encourage him to contact our Customer Relations

department at 800-965-8043. Bridgecrest thanks the

Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at

800-965-8043.

I was told I needed 2 pay stubs and then on a different phone call o was told I did not need pay stubs I just needed to make a frequency change once I paid 2 payments to make the account up to date. the miss communication is why there weren't any pay stubs sent in.

(Please see attached PDF for full response)
We have reviewed our files and found that our customer’s purchase, finance of the vehicle, and the administration of his loan has been handled in accordance with our standards, procedures, and all applicable laws. Although not liable for the accident or resulting damages, we have made the following offer to our customer:
·         Delete trade line from all three major credit bureaus.
·         Waive the deficiency balance, $3,232.70.
·         Customer agrees to remit payment to DriveTime via certified funds in the amount of $3,232.69.
The Full Settlement and Release of Claims has been sent via email to our customer. Should he change his mind and wish to accept the offer, we invite him to reach out to our Customer Relations department at (800) 965-8043, so that we may continue to work towards an amicable resolution. Once a resolution has been completed, should our customer desire to do further business with us, we invite him to do so at his convenience.
 
We sincerely apologize for any frustration or inconvenience this matter may have caused. We encourage our customer to also work with the at-fault insurance company regarding any fees caused by the accident.
 
Bridgecrest thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact our Customer Relations Department at [redacted]

 
Thank you,
 
Jessica H.
Customer Relations

Never again will I finance with Bridgecrest! Bad enough I had a terrible interest rate. But I totaled my car on Saturday. I have been calling since Monday to get a copy of my GAP contract! That's all I need. Between me and a dealership, we have requested this document a total of 13 times now! Every time I call they say they don't have it and have to send a request to the correct department, but the department doesn't take calls?!!! I waited an entire week for them to send me the WRONG FORM! A gap cancellation form?! No. I call back and I'm told the same thing, this will take 24-48 hours. But it took a week to get the wrong form. They harass you to death about payments but can't help you when you ask for something as simple as a contract. Never again! I'll make it my point to ensure not one person I know goes to Bridgecrest/Drivetime.

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s...

concerns.
On July 27, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2012 Nissan Versa. The Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance Corporation (Bridgecrest). Our customer purchased the 5-year/50,000-mile Vehicle Service Contract. Attached you will find the Simple Interest Retail Installment Contract and the Vehicle Service Contract for your reference.
In April 2016, DriveTime received a private letter ruling from the state of Indiana, which concluded that our Vehicle Service Contract product is not subject to Indiana sales tax. As a result of this, this account received a refund for the sales tax charged at the time of sale and applied towards the principal balance only. All payments made on or after the sales date and before April 2016, were reversed and reapplied to the account.
On June 3, 2016, our customer contacted us concerning the payments on the account. We informed her that the down payment was reversed and reapplied as a “normal payment” on her account. We advised her to continue to make her regularly scheduled payments since the down payment was technically satisfied.
As of June 14, 2016 our customer currently owes $681.26 for $616.26 in past due payments, $60.00 in in-sufficient funds fees, and $5.00 in a late fee.
Full response provided to the Revdex.com

my 2iphones 6s plus bankcard food stamps card were stolen from out that car at the tow yard.I didn't miss no payment they could have sent me an email or letter or even contacted my references and told me to return the car instead of having it repoed another thing they haven't tried to resolve the matter at all the tow man called the police and lied and said I had a gun tried to put my life in danger that's not right my deposit wasn't giving back since they set there on time frame unknown to me they neverror sent me in writing or by email that they needed my bank statements and that's being discrimated against because people who give them check stubs don't need to give them bank statements but because I'm disable I need to that's not right I provided my proof of income which is just like a pay check stub and I didn't think that the bank requested the bank statement because they never contact me requesting it with a time frame to bring them this company is dead wrong for what they did bottom line they went about it the wrong way not like a professional by law they stole the car and my things it's been a month and they haven't resolved the situation at all nor pay for my phones or give me my money I put as a downpayment plus I found out they was overcharging me

October 20, 2016

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Revdex.com
Ph. (602) 264-5299
Fax (602) 263-0997 
 
Re: Complaint # [redacted]
 
To Whom It May Concern,
 
Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.
On March 26, 2012, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2004 Chrysler Pacifica. Attached you will find a copy of the Contract for your review. The Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance Corporation.
We determined after review that we had inadvertently deleted reporting on our customer’s account. On April 11, 2016, DriveTime spoke with our customer and discussed her previous Revdex.com complaint ([redacted]). We agreed to resend reporting to one of the credit bureaus, [redacted]. That same day, DriveTime resent the reporting tape and informed our customer that it may take between 60-90 days to reflect with [redacted].
On October 18, 2016, DriveTime spoke with our customer to address her current concerns. We explained that we would look into the reporting with [redacted] to see why the reporting is still not showing. We informed her that the reporting was sent to [redacted] in April as we informed her.
(Full Response provided to the Revdex.com)

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.On February 9, 2016, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a 2007 Toyota Highlander. The vehicle came with a 30-day...

/ 1,500-mile DriveCare Limited Warranty, administered by Aeverex. Our customer opted to purchase an additional 5-year/50,000-mile Vehicle Service Contract, also administered by Aeverex. The Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance Corporation. Attached is a copy of the Simple Interest Retail Installment Contract, DriveCare Limited Warranty, and Vehicle Service Contract for your reference.On February 20, 2016, our customer contacted Aeverex to express concerns with arattling in the climate control. Aeverex encouraged him to have a diagnosis completed at an in-network repair facility.On September 21, 2016, our customer contacted Aeverex to voice concerns with ACissues. Aeverex encouraged him to have a diagnosis completed at an in-network repair facility.On October 24, 2016, our customer voluntarily surrendered the vehicle to DriveTime. That same day, DriveTime processed the vehicle accordingly and made arrangementsto transport the vehicle to the near-by auction.On November 2, 2016, a third party requested the 10-day payoff amount for the vehicle. We provided a 10-day payoff amount of $15,637.47 with a per diem of $7.14,this amount will be accurate until November 12, 2016. On November 7, 2016, our customer contacted Bridgecrest with concerns about an insurance claim filed due to hail damage on the vehicle. He advised us that he was contacted by a third party insurance provider and advised there was an insurance claim initiated on the vehicle he had previously voluntarily surrendered back to DriveTime. Our customer also stated concerns with the way the trade line was being reported to the major credit reporting agencies. He advised the vehicle was being reported as an involuntary repossession rather than a voluntary surrender. After further review of the account, we have determined that no action was taken by Bridgecrest in reference to the aforementioned concerns. We apologize for any inconvenience this matter may have caused.On December 1, 2016, our customer contacted Bridgecrest in reference to theinsurance claim. We informed him our third party vendor had filed a lien holders claim on behalf of Bridgecrest and encouraged him to contact them for further assistance. We then provided him the contact information for the third party vendorthat processed the lienholder claim.On December 5, 2016, Bridgecrest contacted our customer in an effort to address his concerns. We informed him our third party vendor had filed the insurance claim and we would need to gather further information in order to determine how Bridgecrest was able to assist him. We advised him we would follow up with him, in reference to the status of his concerns, periodically.At this time, we are unable to assist our customer with the lienholders claims with his insurance provider. Our third party vendor filed a claim on behalf of Bridgecrest when damage was found on the vehicle. Our third party vendor will send photos of the damage to our customer insurance provider and provide them the opportunity to inspect the vehicle damage and write an estimate. If our customer if disputing the damage occurred while in his possession, he would need to dispute that with his insurance provider. It is up to his insurance provider based on their policy whether or not they accept (pay) or deny the claim.As a goodwill gesture, Bridgecrest has submitted a request to delete the trade line from the major credit reporting Agency.We apologize for any inconvenience or confusion this matter may have caused. As a goodwill gesture, Bridgecrest has sent our customer a $50.00 American Express gift card to the address on file. Bridgecrest thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at 800-965-8043.

December 12, 2016

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Revdex.com
[redacted] 
 
Re: Complaint # [redacted]
 
To Whom It May Concern,
 
Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.
On June 1, 2016, our customer entered into a Simple Interest Retail Installment Contract with Bridgecrest when she purchased a 2014 Hyundai Accent. Attached you will find a copy of the Retail Installment Contract for your review. The Retail Installment Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance Corporation.
When purchasing a vehicle, Bridgecrest provides our customers with the option to purchase a Creditor Placed Insurance policy (CPI). This policy is available to any customer who has not already obtained any insurance coverage for their vehicle. The CPI policy is a single-interest coverage policy for Bridgecrest and does not directly protect our customer’s interest in the same way that a liability insurance does. At the time of sale, our customer purchased a CPI policy. Attached you will find a copy of the CPI Addendum for your review.
Bridgecrest offers a variety of different payment options to our customers including Automated Clearing House (ACH). ACH payments are electronic funds transferred from one bank account to another. An ACH debit requires the payee to provide a routing number and bank account number to complete their payment through the recipients online pay service. As the transaction is administered by a third party, performed online or by mobile application, Bridgecrest direct services are not used to assist with this process. Our customer had recurring ACH payments for both her Bridgecrest loan and her CPI Policy.
(Full response provided to the Revdex.com)

November 29, 2016

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Revdex.com
[redacted] 
 
Re: Complaint # [redacted]
 
To Whom It May Concern,
 
Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.
On June 3, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2012 Mitsubishi Galant. Attached you will find a copy of the Contract for your review. The Contract was subsequently assigned to [redacted], now known as Bridgecrest Acceptance Corporation.
At the time of purchase, our customers agreed to make 138 bi-weekly payments of $213.54 and 1 final payment of $213.53, beginning June 20, 2015. Bridgecrest intends to keep the terms of our customer’s contract as written, unless a change is otherwise agreed upon by Bridgecrest and our customer.
On May 10, 2016, Bridgecrest assisted our customer with a one-time due date change. A due date change is a type of loan modification that allows our customer to remain on the same pay frequency, but change the dates the payments are made. Bridgecrest only allows one of each type of loan modification for our customer’s loan.
Between the months of June to November of 2016, Bridgecrest spoke with our customer on several occasions in reference to her payments. Our customer mentioned she receives her paychecks on the 5th and the 20th of every month and requested a change to her payment frequency of her contract. We advised our customer to provide two consecutive paycheck stubs to show proof of her new pay frequency. To this date, we have not received the paycheck stubs that had been request. Additionally, we advised our customer in order to qualify to have her payment frequency changed her account must be current.
(Full response provided to the Revdex.com)

To Whom It May Concern: Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.On November 21, 2014, our customer entered into a Simple Interest Retail Installment Contract when she purchased a 2005 Nissan Murano. The Contract was...

subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance Corporation. The vehicle came with a 30 day/1,500 mile DriveCare Limited Warranty, administered by [redacted] Our customer purchased an additional 5-year / 50,000-mile Vehicle Service Contract, also administered by [redacted] Attached will be the Simple Interest Retail Installment Contract, the DriveCare Limited Warranty, and the Vehicle Service Contract for your reference. DriveTime does not compete on price, nor do they hide it. They encourage our customers to research all aspects of their purchase prior to sale. In fact, the majority of people who visit DriveTime’s website review inventory. They believe a large number of our customers review inventory online, including vehicle pricing, before coming to their dealerships. DriveTime also post the prices of our vehicles on all of the vehicles at their dealerships. On November 26, 2014, our customer contacted [redacted] to voice concerns with a key fob issue and the vehicle not starting. [redacted] encouraged her to have a diagnos is completed at an out-of-network repair facility.On March 30, 2015, our customer contacted [redacted] to express concerns with the check engine light and exhaust issues. [redacted] informed her that the exhaust is non-covered under the Vehicle Service Contract. On April 20, 2015, our customer informed [redacted] that she had driven over a large hole in the road, causing the axle to fail, the wheel to bend, and the tire to go flat. [redacted] advised her that physical damage is non-covered under the Vehicle Service Contract.On December 2, 2015, our customer informed Bridgecrest that she had paid $976.71 out of pocket for repairs on the vehicle. We advised that we would submit a 4 payment deferment modification to management for review. However, we requested the repair receipts to continue the review and deferment process.On December 3, 2015, after receiving and reviewing the repair receipts, Bridgecrest approved a 4 payment deferment modification.On December 11, 2015, Bridgecrest finalized the 4 payment deferment modification for our customer.On May 6, 2016, our customer informed Bridgecrest that she paid $1,701.71 for the alternator, wiring for the alternator, towing, replacing the exhaust, and replacing the taillight. We offered to submit a 7 payment deferment modification to offset the cost of out of pocket repairs. Bridgecrest informed her that it would need to go through a review process; if the modification is not approved then payment arrangements will need to be made. At that time, our customer was 90 days past due for $1,447.90, not including any late fees or insufficient funds fees.That same day, the modification was approved and the modification agreement was emailed to our customer for her to review and sign.On May 10, 2016, after receiving our customer’s signed acknowledgement of the modification agreement terms, Bridgecrest successfully completed the 7 payment deferment. Her account would reflect zero past due payments. Unfortunately, any additional finance charges or fees, accrued throughout the life of the loan, will remain unsatisfied until paid by our customer, as we are unable to defer them.On May 28, 2016, our customer’s regularly scheduled payment came due.On May 31, 2016, we began to attempt to reach our customer regarding her past due payment. On June 13, 2016, at 16 days past due, we spoke with our customer regarding her past due balance. Our customer informed us she was aware of the account status and stated she would make a payment on June 17, 2016.As of September 26, 2016, our customer is 32 days past due for $911.54; $15.00 in late fees, $233.90 in insufficient funds fees, and $662.64 for payments.On September 26, 2016, Bridgecrest spoke to our customer in attempt to address her concerns. We encouraged her to have an in-network repair facility complete a diagnosis if she is experiencing mechanical concerns with the vehicle. We informed her that the past due balance is including insufficient funds fees and late fees, all of which do not transfer with payment deferments.At this time, Bridgecrest is able to report that the payment deferment in May of 2016 was completed. We are unable to accommodate our customer’s request to place her into another vehicle or update her credit report to reflect as current as this would be inaccurate reporting.We apologize for any inconvenience or confusion this matter may have caused. As a goodwill gesture, Bridgecrest has applied a $25.00 credit towards our customer’s principal balance. Bridgecrest thanks the Revdex.com for their ongoing support. Should you have any questions or comments, please contact our Customer Relations Department at [redacted]. Thank you, Carlos S. Customer Relations

Due to my recent dispute and case with Drivetime through Revdex.com AZ, I got both issues addressed.  The issue with the lease and questions I had were not but Drivetime resolved this issue in another way.  However, others need to be aware of the following research determined: The rate used across the board at Drivetime per Jessica for the RESIDUAL VALUE is 14.5% or 85.5% x CAPITALIZE COST+  over the lease period.  The point I made to Drivetime is that not every car depreciates in the same manner, but no adequate response to this.  The 85.5% becomes the DEPRECIATION AND OTHER AMORTIZATION COSTS on the contract. Now the RENTAL CHARGE or what they sometimes call FINANCE CHARGE is based on the following formula: RESIDUAL VALUE + DEPRECIATION* x MONEY FACTOR.  I asked for an explanation of the money factor and no one was able to answer this.  The rate on the contract comes out to be 59.2% but the formula indicates the money factor is the APR / 2400 but the figures do not add up.  
I was supposed to have a specific time to go meet the local dealership and requested a call from Robert Purnell in Salem VA to set up an appointment but never received a call.  The moral here is NEVER EVER go back to a DRIVETIME dealership for help after the purchase of a vehicle.

I received a check for only $51.98 for a Tow and Rental Reimbursement. This is unacceptable! I kicked out approximately $463.61 not including the money I had to pay for the fixings of the vehicle. I was told that I will receive my money back and $51.98 is no where near $463.61! I am very upset with your service and request my funds be paid ack immediately!

It got what I thought was a telemarketer call from this company and I called back and asked to be removed from their call list. When I asked what type of business this company is in, the customer service representative said she could not discuss it.

I'd say this this business is suspicious, but it seems to be in the car loan business.

I do not understand, how are company who says they are all about customer service, continues to remove the customer, from the service. I have been jumping through hoops for the last 3 weekshow doing and submitting everything that has been requested to resolve the issue. EVERY time I call, I get a different response and answer. You ask to speak with a supervisor and then you get questioned as if they are screening you to speall with the President of the United States of America! 3 weeks into this issue and yet my issue is still unresolved, and told to call back in yet another 48 hours. At this point, I'm really considering the fact of just voluntarily turning this car back over to them, vs jumping through these ungodly hoops for a due date change. Why is it such a big deal and so much paperwork to request a due date change in order to be set up on automatic deductions to make sure you get your money in a timely fashion without being late, do you not want your money? It's really beginning to feel like your company is setting people up to fail versus setting people up to get back on their feet!! The fact that I get more peace of mind walking and riding the bus then I have the last 60 days with your company I will NEVER recommend your company to anyone.

In response to the company's response. I am surprised that Carlos answered this compliant as, I have filed a compliant against him with his company. When Bridgecrest reached out to me, about the Revdex.com inquiry, it was by Carlos, he was very condescending and argumentative with me. I asked for a supervisor and he fact told me he was the supervisor and that I could speak to no one else. I ended the call with him. After that call ended, I contacted the company back and got another representative who said Carlos was not a supervisor and that someone else would help me. I have since been speaking to a manager within Bridgecrest and we are working on a resolution. I did request that the tape from our conversation be pulled, as it shows how demeaning and condescending that Carlos was along with being dishonest about his position with the company.

after speaking with Jeremy with customer relations at Bridgecrest yesterday he agreed that the balance of $34.60 would be adjusted off my account and that he would have the 3 credit bureaus to have them remove the late status on my credit report. I brought to his attention that there were no payments ever missed in my account because if that had been the case it would be reflecting on my balance now and it does not. I don't see anywhere on the response from Bridgecrest that the small balance of $34.60 would be written off and all 3 credit bureaus notified as per our telephone discussion yesterday Tuesday October 18, 2016 at approximately 2:10 pacific time.
Therefore, I do not agree with their response or resolution to this matter as it doesn't coincide with what Jeremy and I discussed yesterday that would be the resolution. Also, the fact that I changed my due date has nothing todo with my initial complaint and it was on their part inappropriate to bring in another matter when it had and does not have anything todo with my complaint .

I have a auto loan through Bridgecrest. I made a payment last week Wednesday, and another last Friday. This morning I received a text that my payment was rejected for non-sufficent funds. I checked my bank account to find the money was still there. Checked with my bank and the payment has not been submitted. I went to the Bridgecrest site (logged into my account with them) to find I was being charged a $15 non-sufficent fund fee. Called their customer service to ask what account did they try to pull from, and why I was charged the fee. Eventually asked for a supervisor, who stated they could not view payments made online (free service), but she could take a payment over the phone ($3.95), which would include the $15 fee. I asked if I could email a screenshot of my account. They don't accept screen shots. Made the payment+$15 fee with no guarantee the the $15 would be credited. This is the 2nd time Bridgecrest has "claimed" to have attempted to pull a payment when nothing showed they actually had done so! Also, the 2nd time being "pressured" into making a "late", but not late payment with $15 fee I should not have been charged! My intention is at first chance refinance this loan and NEVER deal with Bridgecrest EVER again!