Bridgecrest

November 29, justify;"> Revdex.com [redacted] Re: Complaint # [redacted] To Whom It May Concern, Thank you for bringing this matter to our attentionWe 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 Mitsubishi GalantAttached you will find a copy of the Contract for your reviewThe Contract was subsequently assigned to [redacted] , now known as Bridgecrest Acceptance Corporation At the time of purchase, our customers agreed to make bi-weekly payments of $and final payment of $213.53, beginning June 20, 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 changeA 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 madeBridgecrest 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 paymentsOur 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 contractWe advised our customer to provide two consecutive paycheck stubs to show proof of her new pay frequencyTo this date, we have not received the paycheck stubs that had been requestAdditionally, 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)

October 20, justify;"> Revdex.com Ph(602) 264- Fax (602) 263- Re: Complaint # [redacted] To Whom It May Concern, Thank you for bringing this matter to our attentionWe 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 Chrysler PacificaAttached you will find a copy of the Contract for your reviewThe 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 accountOn 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-days to reflect with [redacted] On October 18, 2016, DriveTime spoke with our customer to address her current concernsWe explained that we would look into the reporting with [redacted] to see why the reporting is still not showingWe informed her that the reporting was sent to [redacted] in April as we informed her(Full Response provided to the Revdex.com)

(Please see attached PDF for full response) On October 21, 2016, we successfully made contact with our customerOur customer expressed his displeasure about his negative experience with a member of management and explained why he was requesting the defermentWe apologized for his experience and offered our customer the one payment deferment requestedWe explained why his account is considered not eligible for defermentsWe explained that our allotted amount of deferments has been reached for the month of October, so we would not be able to complete the deferment until the beginning of NovemberPer processes, once this deferment modification is completed, Bridgecrest will be unable to process any deferment modifications on his account for the next monthsWe further explained that all future payments would have to be made on time, including the payment due on October 29, If the payment is not made, the deferment will not be completedOur customer understood all terms, accepted the offer, and the call was ended on amicable terms The experience described by our customer is not in keeping with DriveTime's set standards of service and supportDriveTime strives to make each customer’s experience both rewarding and pleasant while ensuring that every customer is treated with the utmost respectWe will be reviewing the situation stated by our customer for any internal training opportunities We sincerely apologize for any confusion or inconvenience this matter may have causedThe deferment process has been started for our customerAs a gesture of goodwill, we will also provide a $credit to the principal balance Bridgecrest thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at 800-965- Sincerely, Jessica HCustomer 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 contractNow the RENTAL CHARGE or what they sometimes call FINANCE CHARGE is based on the following formula: RESIDUAL VALUE + DEPRECIATION [redacted] 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 / 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

They set up auto draft on my account before I left the dealerMy first payments they charged me an additional fee for lack of funds in my account but my account had more than enough money to cover the draftI spoke to a manager and all they did was demand I pay the feesSo I did and I changed banks because they said it was the banks faultThen guess what it kept happeningSo now I pay them from a green dot cardThey call every day and wake up my month old even though my account is current just to see how things are goingReally? I will never use this Jew company againThey jew you out of your money and take advantage of people with low credit

after speaking with Jeremy with customer relations at Bridgecrest yesterday he agreed that the balance of $would be adjusted off my account and that he would have the credit bureaus to have them remove the late status on my credit reportI 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 notI don't see anywhere on the response from Bridgecrest that the small balance of $would be written off and all credit bureaus notified as per our telephone discussion yesterday Tuesday October 18, at approximately 2:pacific timeTherefore, 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 resolutionAlso, 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

(Please see attached PDF for full response) Bridgecrest offers our customers the ability to access and manage their account online at www.bridgecrest.comAt this time, our system does not show that our customer has registered his accountWe invite our customer to visit our website and do so at his convenienceShould there be any issues registering his account online, we invite him to contact Bridgecrest Customer Service at [redacted] On November 10, 2016, we successfully made contact with our customerOur customer relayed the entirety of his experience and that he was still unable to log in to his account We explained the above-mentioned information and confirmed that his Auto Pay was set up currentlyThe correspondence was then ended on amicable terms We sincerely apologize for any inconvenience or frustration this matter may have causedAs a goodwill gesture, we have applied a $credit towards our customer’s principal balanceShould our customer have any further questions, we encourage him to contact our Customer Relations department at (800) 965- Bridgecrest thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at 800-965- Sincerely, Jessica HCustomer Relations

I work hours a dayI'm not allowed to receive calls on my jobIwas told I have a five day grace period to make my payment but the harrassments start on day one! But, the beat part is the fact they actually called my boss today thinking it was my place of employment! I have never been more embarrassedMy boss just so happens to be my daughter's fiance! I can tell you that I have called them when I get off work only to be spoken to by very hateful people! I would never advise that anyone do business with this company or Drive time because its nothing but trouble and very unprofessional!

Went on line to setup payments for the frist and they tried ti to take it on the 25th and charged me dollars when I called them to stop they payment I was informed they could not be of any help go figure

(Please see attached for full response) On January 12, 2017, Bridgecrest successfully made contact with our customerWe explained we would like to offer the five payment defermentsThis would require our customer to make one payment towards the accountHer next due date would be January 21, 2017, which would need to be made on timePer procedure, a maximum of payment deferments can be offered over the life of a financed loanFollowing these deferments, it is unlikely we will be able to offer our customer any deferments for the remainder of her loan, so she would be required to make future payments in a timely mannerAs this is a simple interest loan, interest will continue to accrue during the deferral periodThis interest may cause a balloon payment due after the maturity date of the loan is reachedOur customer understood and accepted our offerThe call was then ended on amicable terms The actions described in our customer’s correspondence are clearly not in keeping with DriveTime's set standards of service and supportDriveTime strives to make each customer’s experience both rewarding and pleasant while ensuring that every customer is treated with the utmost respect We apologize for any frustration or inconvenience this matter may have causedWe will continue to work with our customer through the completion of the offered resolutionAdditionally, as a gesture of goodwill, we have applied a $credit to our customer’s principal balance Bridgecrest thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact our Customer Relations Department at (800) 965- Thank you, Jessica H Customer Relations

Please see the attached PDF for the full response On May 23, 2016, our customer sent a payoff check in the amount of $17,to satisfy her loan justify;"> If our customers wish to cancel their Vehicle Service Contract or GAP Addendum they can do so at any time by contacting Bridgecrest or the service provider AeverexOur customers are required to sign and submit cancellation documents for each service they wish to cancelIf the documents are received by Bridgecrest, we will subsequently forward them to AeverexOnce received by Aeverex, on the 18th of each month the cancellation is processed and a refund is generated, if applicable, at a pro-rated amountShould Aeverex receive the documents post the 18th, then the cancellation and refund will not be processed until the following month Additionally, on page two of the Vehicle Service Contract under section “Definitions” it is stated: “Refund Period” means forty-five (45) days from the date of Administrator’s receipt of Your cancellation notice.” On June 2, 2016, Aeverex received the cancellation documents for the Vehicle Service ContractOn June 21, the refund check was sent to our customer’s address on file On June 20, 2016, our customer contacted Bridgecrest in regard to the GAP AddendumBridgecrest provided our customer with the GAP Addendum cancellation form by way of emailLikewise, we advised she would need to sign and then submit the cancellation form to AeverexOn June 21, Aeverex received the GAP Addendum cancellation form On July 22, 2016, we contacted our customer to address the concerns in her complaintShe was advised that we had been unable to process the GAP Addendum refund in June, due to Aeverex receiving the cancellation documents post the 18thAdditionally, on June 20, the refund check for the GAP Addendum of $had been mailed to the address on fileOur customer was pleased with the resolution, and we ended our correspondence on amicable terms

(Please see attached for full response) On January 12, 2017, Bridgecrest contacted our customer to discuss her concerns. In an effort to assist her, Bridgecrest offered five payment deferments. At the time this offer was presented, our customer’s account was six payments past due, as another payment became due on January 7, 2017. Because the account was 6 payments delinquent, we advised her she would need to make one payment of $220.33, prior to the loan modification. Bridgecrest advised after the modification was processed, her next due date would be January 21, 2017. Our customer accepted the offer for assistance. On January 17, 2017, our customer made a payment of $220.00 towards the account. On this same day, the loan modification request was submitted. On January 18, 2017, Bridgecrest contacted our customer to re-address her concerns. We explained the above-mentioned information. Our customer advised she would be unable to make the payment due January 21, 2017, after the modification was processed. Bridgecrest stressed the importance of making the payment. Our customer advised she would not sign the loan modification documents until she was able to make another payment and successfully process the five payment deferments. We will continue to work with our customer through the completion of the loan modification. We apologize for any further confusion this matter may have caused. Bridgecrest thanks the RevDex.com for their ongoing support. Should you have any questions or concerns, please contact our Customer Relations Department at (800) 965- 8043. Thank you, Jessica H. Customer Relations

I was told while purchasing and after purchasing their temporary insurance that I will be receiving a refunded check as long as I purchased my own insurance within a 7day periodSo rushing to do so in order to help pay to register my car I did exactly as I was told and never received a checkInstead they TOOK my money and applied it to principle when I was told by the dealership and by their own operator I would be receiving a checkHad I known it was going to be applied to a principle I would have kept the temporary insurance and registered my car and gotten insurance when the time cameSo this company is giving out information and doing whatever they want with your money as well as making you feel cheated and bamboozled as if you would lie and make things upI wish I would never have gone into business with this company as they are not a company who does not care about their customers or keeping their word

I have been a customer with Bridgecrest since June of 2017. I really like Bridgecrest for several reasons. 1. If you miss a payment or are unable to make a full payment, they are willing to work with you to help you make a payment that you can actually pay. However, the remainder payment amount will still need to be repaid. This I understand and I have no problem with. However, the issue I am running into is the interest on the loans. I am very dissatisfied with how the interest accrue on the loans. I am ahead of my schedule payment date, however see no real decrease in the amount of interest owed. They say that the interest is supposed to be simple but it isn't because according to definitions, simple interest accrue based on the amount the individual paying on the loan owe, however, their amount of interest is accrued daily, which confuses me because while the interest goes down over a period of time, you still may find yourself paying an absurd amount of interest, which in effect keeps you from paying down your car faster because a large chunk of it goes to interest.

The second thing I like about bridge crest is I have seen my credit score increase over time due to payments being made. I just think it would be a good idea to reward individuals who do prove they can and will make on time payments by reducing interest significantly, where more principal goes toward the loan. more like dollars instead of cents. My interest is in dollar, yet my return is in cents. While I thank bridge crest for helping me build my credit, I look forward to the days when my interest rates will be lower.

Overall, that's the only issue I have. I really like bridge crest and as long as you are honest with them, they will do their best to work with you.

Brandy M~
Wisconsin

June 6, Revdex.com Ph(602) 264-Fax (602) 263-0997 Re: Complaint # *** To Whom It May Concern, Thank you for bringing this matter to our attentionWe
appreciate the opportunity to address our customer’s concernsOn June 24, 2015, our customer entered into a Return Anytime Lease Contract with DriveTime when she leased a Chevrolet HHRAttached you will find a copy of the Contract for your reviewThe Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance CorporationOn July 7, 2015, our customer contacted DriveTime to advise that she had been involved in an accidentOur customer provided our representative with a claim number and advised that they would update DriveTime when they had more informationOn July 18, 2015, our customer’s insurance company contacted DriveTime to advise that the vehicle was a total lossOn July 30, 2015, DriveTime and our customer’s insurance company completed the total loss processOn August 1, 2015, DriveTime placed our customer in a new vehicleOn August 3, 2015, our customer called to state that a payment had been drafted from her account for $for the previous vehicleOur customer requested that this payment be refunded, as she no longer had the vehicleDriveTime has confirmed our customer has received the payment refundBetween August 13, and June 3, 2016, our customer had inquired with multiple representatives about receiving reimbursement for overdraft charges assessed through TD Bank totaling $Our customer had been instructed to send in a running bank statement showing the Bridgecrest transaction as well as any related overdraft chargesOn September 14, 2015, our customer sent in a signed letter from TD Bank stating overdraft transactions had occurredBridgecrest was unable to accept this letter since it did not include a running balance(FULL VERSION ATTATCHED)

(Please see attached for full response)
On December 19, 2016, we successfully made contact with our customer to discuss her concernsWe advised that we
would credit the account $for the non-sufficient funds fee and requested a running bank statement to review to reimburse the $overdraft feeOur customer accepted our offer and the call was ended on amicable termsWe apologize for any confusion or inconvenience this matter may have causedAt this time, we have applied the $credit to our customer’s account and have reimbursed our customer the $overdraft feeAdditionally, as a gesture of goodwill, we have applied a $credit to our customer’s principal balanceBridgecrest thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact our Customer Relations Department at *** *** ***Thank you,
Jessica H
Customer Relations

Please see the attached PDF for full response
October 14,
Revdex.com
Ph*** ***
Fax *** ***
Re: Complaint # ***
To Whom It May Concern,
Thank you for bringing this matter to our attentionWe appreciate the opportunity to re-address our customer’s concerns
On October 11, 2016, our customer contacted Bridgecrest to discuss her concerns furtherShe stated that Aeverex had reimbursed her $per the terms of the Vehicle Service ContractHowever, she stated that the amount reimbursed did not meet her expectations since she paid a total of $in rental and tow feesWe encouraged her to provide us with copies of her expense receipts for review and the option for possible reimbursementThat same day, Bridgecrest received her receipts
On October 12, 2016, we contacted our customer to re-address the concerns in her complaintWe advised that we would make an exception and reimburse four days at $per day as written on her receiptIn addition, we offered to reimburse four days at $per day, equivalent to the terms of her vehicle service contractOur customer agreed, and we ended correspondence on amicable terms
Bridgecrest thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ***
Sincerely,
Brodie H
Customer Relations Department

I have a family member that is currently terminally ill. I called BridgeCrest to postpone two bi-weekly payments until the first of the following month. The CSR cancelled my AutoPay, which was an indication it was not a problem, then told me I have to call back in five days to see if my request was accepted. My AutoPay should have never been cancelled until the determination was made, and the date given is after my scheduled payment. I requested a supervisor. I explained several times I was trying to do the right thing and was simply trying to see my mother before she passed. Zero empathy from the supervisor who repeated what was obviously trained for her to say, "We do not make arrangements until you are out of your hardship". I explained I could make the payments on the first of the following month, she then tried to get me to make a "minimum payment" that was twenty-three dollars less than the full payment. I would never call to defer 23 dollars and was a insult. Then asked for a sum that was two thirds the payment amount. Finally she conceded to the point that I had to repeatedly make, indicating that I needed my funds to see my mother before she dies. She stated that was fine and then stated that there would be a five dollar fee accrued daily. The lack of compassion from BridgeCrest and this supervisor was abysmal. After having to make another call and speaking to another Supervisor the change was made to allow for my payments on the following month with a total of a ten dollar late fee. I understand that BridgeCrest is a business and is there to make money. The D Level customer service level is appalling. I have made payments to them for three and a half years without incident. No factors of my account, its history or the current hardships of my mother passing were taken into consideration on any of my calls.

Review the call.
Revdex.com:
I have reviewed the response made by the business in
reference to complaint ID *** and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,

October 19,
"margin-bottom: 0.0001pt;">Revdex.com Phone: *** *** Fax: *** *** Re: Complaint #*** To Whom It May Concern: Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns On December 10, 2015, our customer entered into a Simple Interest Retail Installment Contract when she purchased a Mazda from DriveTimeAttached you will find a copy of the Contract for your reviewThe Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance CorporationAt the time of sale, our customer agreed to make monthly payments of $341.60, and final payment of $340.95, beginning January 11, Our customer’s account currently shows as $past dueThis discrepancy began with the payment our customer made in May; on May 25, 2016, our customer made a payment of $311.00, or $less than the amount due On August 9, 2016, our customer contacted Bridgecrest to request a change in her due dateOur representative advised her at that time that the account was $past due, and submitted to have our customer’s due dates changed from the 11th of each month to the 18th No payment was received for the month of August, and on September 13, 2016, the account became days past dueAt days past due, the account incurred a late fee of $5.00, bringing the amount owed to $35.60, not including the full payment that was also past due on that dateFULL RESPONSE ATTACHED