Bridgecrest

August 3,
Jasmine Hill
Revdex.com
Ph###-###-####
Fax ###-###-####
Re: Consumer Complaint No***
Dear MsHill,
Thank you for bringing this matter to our attentionWe appreciate the opportunity to re-address our customer’s concerns
When our customers opt to cancel their Vehicle Service Contract (VSC), administered by Aeverex, the refund amount is dependent on the date of cancellation and mileage on the vehicle at time of cancellationIf our customer’s VSC has not expired by time or mileage, the refund owed to our customers is proratedAeverex will deduct from the total cost of the VSC for every mile driven since time of saleIn addition, Aeverex will deduct any cancellations fees, as applicableAny remaining refund will be applied towards our customer’s principal balanceIf the loan has been paid in full, DriveTime will send our customer a refund check to their address on file
Similarly, when our customers opt to cancel their GAP coverage, the refund amount is prorated at time of cancellation
We apologize for any confusion or inconvenience this matter may have causedIf our customer has any additional questions or concerns, we encourage her to contact our Customer Relations department for further assistance
Bridgecrest thanks the Revdex.com for their ongoing support and allowing Bridgecrest the opportunity to address our customer’s concernsShould you have any questions or concerns, please contact us by calling us at ###-###-####
Sincerely,
Diana C
Customer Relations

Stay away from bridgecrest at all possible cost. They are crooks. pay very close attention to your account. They always seem to forget something. Never again

October 18,
"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 November 3, 2016, our customer entered into a Closed End Motor Vehicle Lease Contract with DriveTime, when she leased a Hyundai ElantraWhile DriveTime originated the Lease and is the Lessor, Bridgecrest Credit Company is the servicer for the Lease. The vehicle came with a Driver’s Seat Limited Warranty, administered by AeverexIncluded you will find the Lease Contract and the Driver’s Seat Limited Warranty for your reference. On or around September 7, 2016, Bridgecrest experienced an issue with the payment processor used to process lease paymentsPayments scheduled to be automatically withdrawn after that date would not be pulled as scheduledUpon discovering this error, Bridgecrest sent a letter to affected customers advising of the error and provided instructions for the next steps regarding their accountsThis letter has been attached for your review.
FULL RESPONSE ATTACHED

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint
ID ***, and while the year make a model of the vehicle listed in the response is incorrect, the rest of the account of my experiences with the company are correct.*** / Bridgecrest has called me and reached out to me to correct my concerns and since they have contacted me, I have received my title to the vehicle (free and clear of any lien-holder previously listed), I have received my refund check in the correct amount of the over payment I made , and I have received a $gift card for my troublesThank you for your assistance, Revdex.com, for facilitating the prompt resolution on this matter
Regards,
*** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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 resolvedI an thankful that the organization is able to assist me in my time of hardship however, I noticed that no where in the letter did it state that I have never been late or missed a payment prior to this requestThank you again for your assistance!
Regards,

August 29, 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 concern On August 29, 2016, we spoke with our customer to discuss her concerns, and to make sure we were in agreement We advised our customer that our intention is to waive the late fees on the account ($as of August 27, 2016) due to the confusion caused by the failed attempts to modify her accountWe explained that, although the late fees had been incurred prior to the first attempt to modify the account, we agreed that the process had been extended unnecessarilyAs a gesture of goodwill, we will be crediting our customer’s account $once the modification has completedThis is expected to occur no later than September 2, Our customer provided further information regarding what she characterized as disrespectful treatment on the part of our employeesI assured our customer that we will review the relevant calls to determine if any internal action is warranted As a further gesture of goodwill, we will be sending a $to the mailing address provided by our customer Bridgecrest thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us at ###-###-#### Thank you, Jeremy NCustomer Relations
FULL RESPONSE ATTACHED

I did receive contact from BridgecrestHowever, I was told I had to make two payments one on the 18th and another on the 20th which is not stated in their responseAccording to the email where I was corresponding with MsS***, it stated I had to make on payment on the 30th and then defermentsI made the payment on the 30th and advised Bridgecrest, I have attached all the email correspondence reflecting suchSo because Bridgecrest initially refused to contact me back after I spoke with numerous associates there, such as Mark G*** (supervisor) Angelica D*** and othersso now I am being penalized and having to make extra payments.
Thank you

Please see the attached PDF for the full responseOn September 6, 2016, Bridgecrest received a copy of our customer’s driver’s license, social security card,
and the signature page of the ID theft affidavitAs the copy of the social security card and driver’s license were illegible and the theft affidavit was incomplete, Bridgecrest was unable to initiate an investigation Bridgecrest has made several unsuccessful attempts to contact our customer and further address her concernsAttempts to reach her have been unsuccessful but will continue in an attempt to reach an amicable resolution. On September 9, 2016, we sent a letter via certified mail to our customer’s address on fileThe purpose of this letter is to inform our customer of our attempts to reach out to her We would like the opportunity to help our customer, but we need completed, verifiable informationWe request that our customer file a police report and provide Bridgecrest/DriveTime with the entirety of the police report to ensure that we can work cohesively with the police department to resolve this matterWe also require the full theft affidavit signed and notarized with legible copies of her driver’s license and social security cardTo this date, Bridgecrest/DriveTime has not received a police report nor completed identity theft documentation We apologize for any confusion or convenience this matter may have causedAs a goodwill gesture, Bridgecrest has applied a credit of $toward our customer’s principal balance Bridgecrest thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-#### Sincerely, Brodie HCustomer Relations

December 21,
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Revdex.com
*** *** ***
*** *** ***
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 March 13, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a Chevrolet CruzeThe Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance CorporationAdditionally, our customer purchased a year/50,mile Vehicle Service Contract serviced by AeverexThe cost of the Vehicle Service Contract was $2,Attached you will find a copy of the Retail Installment Contract and Vehicle Service Contract for your review On April 15, 2015, our customer spoke with Aeverex to inform them that the check engine light was on and the vehicle was shakingAeverex referred our customer to an in-network repair facility for a vehicle diagnosis and for a claim to be filed
On April 20, 2015, the in-network repair facility spoke with Aeverex to file a claimThe repair facility suggested a valve cover gasket replacementThe valve cover gasket is a non-covered component under the terms of the Vehicle Service Contract therefore; Aeverex denied the repair
On this same day, our customer spoke with Bridgecrest to inform us of needed repairs and requested assistanceBridgecrest informed our customer that we would review the estimate to see if there were any possible exceptions that could be made
On April 21, 2015, Bridgecrest made an exception and provided approval for our customer’s repairs for the valve cover gasket totaling $Our customer was responsible for the deductible of $100.00, per her Vehicle Service Contract
(Full Response provided to the Revdex.com)

October 28, Revdex.com Phone: *** *** Fax: *** *** Re: Case #: *** To Whom It May Concern: Thank you for bringing this matter to our attentionWe appreciate the opportunity to re-address our customer’s concernsAs 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 processAs our customer notes in her complaint, we contacted her by phone to advise that additional documentation was requiredAttached you will find the Proof of Income documents for your reviewOn September 29, 2016, the vehicle was recoveredOn that day, the customer made several calls to Bridgecrest to discuss the situationAt no point did our customer state that personal items remained in the vehicleOur notes indicate that she reported that she had surrendered her keys and retrieved her items from the vehicleOur notes further indicate that she was provided with the contact phone number for the recovery agencyWere any items left in the vehicle, she would need to contact that agency to retrieve themFULL RESPONSE ATTACHED

I have a auto loan through BridgecrestI made a payment last week Wednesday, and another last FridayThis morning I received a text that my payment was rejected for non-sufficent fundsI checked my bank account to find the money was still thereChecked with my bank and the payment has not been submittedI went to the Bridgecrest site (logged into my account with them) to find I was being charged a $non-sufficent fund feeCalled their customer service to ask what account did they try to pull from, and why I was charged the feeEventually 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 $feeI asked if I could email a screenshot of my accountThey don't accept screen shotsMade the payment+$fee with no guarantee the the $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 $fee I should not have been charged! My intention is at first chance refinance this loan and NEVER deal with Bridgecrest EVER again!

This company has the worse customer service I have ever experienced!!!! They care nothing about their customers livelihoods or well beingI will post on every website I possible can to stop anyone from wasting their money or time with a company who cares nothing about the people keeping them employed

October 10,
"margin-bottom: 0.0001pt;">Revdex.com Phone: *** *** Fax: *** *** Re: Case #: *** To Whom It May Concern: Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn September 14, 2016, our customer entered into a Simple Interest Retail Installment Contract when he purchased a Chrysler 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 Corporation. On September 19, 2016, as part of a standard after sale verification process, we determined that the Proof of Income documentation submitted by our customer at the point of sale was not verifiableOur representatives called our customer and advised that she would need to return to the dealership with verifiable documentation to prove her incomeOur customer stated that she would return to the dealership the next day, September 20, Our customer did not return to the dealership on September 20, Seven more calls were placed to our customer between September 20, 2016, and September 26, 2016, but our representative was unable to reach her again

July 29,
face="Times New Roman" size="3">
Revdex.com
Ph(602) 212- 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 concerns
On February 4, 2016, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a Hyundai ElantraThe contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance CorporationAttached you will find the Simple Interest Retail Installment Contract, for your reference
At the time of sale, our customer agreed to make bi-weekly payments of $and one (1) final payment of $with an Annual Percentage Rate of 22.613%, beginning February 20,
We understand the importance of building and maintaining a credit scoreWe also understand the importance of accurately reporting credit activity to the three Major Credit Reporting bureaus
On May 28, 2016, our customer contacted Bridgecrest and indicated that her payment history was not being reported accurately to the credit bureaus. Bridgecrest advised her that we would submit a request and look into her concerns
On June 1, 2016, Bridgecrest confirmed that our customer’s trade line and payment history was reporting accurately
On July 6, 2016, our customer contacted Bridgecrest and indicated concerns with her trade line and payment history not being reported to the three Major Credit Reporting bureausWe advised our customer that updates are sent to the Credit bureaus once a month and we have previously confirmed that her trade line and payment history were up to dateOur customer was not satisfied with Bridgecrest’s response
Continued(Full version provided to the Revdex.com)
Tell us why here

December 12,
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Revdex.com
*** *** ***
*** *** ***
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 June 1, 2016, our customer entered into a Simple Interest Retail Installment Contract with Bridgecrest when she purchased a Hyundai AccentAttached you will find a copy of the Retail Installment Contract for your reviewThe 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 vehicleThe 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 doesAt the time of sale, our customer purchased a CPI policyAttached 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 anotherAn ACH debit requires the payee to provide a routing number and bank account number to complete their payment through the recipients online pay serviceAs the transaction is administered by a third party, performed online or by mobile application, Bridgecrest direct services are not used to assist with this processOur customer had recurring ACH payments for both her Bridgecrest loan and her CPI Policy
(Full response provided to the Revdex.com)

June 27,
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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 concerns On June 5, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a Ford FusionAttached 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 As a courtesy to our customers, Bridgecrest submits loan activity to all major credit reporting agencies on the final day of every monthThis information includes the payment history, loan balance, and monthly minimum payment required
On June 15, 2016, our customer spoke with Bridgecrest to inquire why his credit reporting balance had been raised by $Our customer was informed that the amount would be looked into further to see if reporting was accurate
On June 17, 2016, our customer was informed that the increase of $was due to an accrual of interest between his payment dates
On June 24, 2016, Bridgecrest made contact with our customer and provided detailed information in regards to how a simple interest loan functionsBridgecrest had provided our customer with an amortization schedule of payments showing how the payments had applied towards the principal and interest on the loanContinued (Full response submitted to the Revdex.com)

THIS IS A SERIOUS SCAM!!! I cannot believe that this place is in businessI found out how much interest that my child was paying on her car and I flippedShe Called the customer service so that I CAN PAY OFF HER CAR LOAN, and I was told that they can only accept payments of 1,or lessWhat kind of sense does that make? They dont finance cars for only 1,000.00, so why would that be the maxthat they can accept at one time? I know they just want more interest to buildSo then I had to make DIFFERENT TRANSACTIONS AND THEY CHARGE OVER DOLLARS FOR EACH TRANSACTION.!!!!! WHAT!!??? Otherwise I had to send the payment in the mail to some place with a suite #HUH? I refused to give them one more day to charge interest, so I GLADLY paid the $to get it done over the phone If you need a vehicle (like my daughter did) PLEASE STAY AWAY FROM THIS PLACETake a bus for a while or even uber, but you will regret dealing with place My daughter paid on her car for a year and only paid it down a thousand dollarsShe even paid extra most monthsThat gives you an idea of how high her interest was PLEASE WATCH OUTDRIVE TIME PREYS ON PEOPLE WHO NEED A VEHICLEIf at all possible please waityou will be glad you did
I tell anyone who mentions needing a car, to stay away from this place AND drive time

Past few weeks we've made our payments online because it's free Over the phone payment is almost 4$Anyways my husband and I got a car there in March rightNot only did the transmission have a recall from Ford we didn't have the car for less than days and than it was in the Ford dealership for weeks weeksWe called drive time and told them and they couldn't do anything about it Yet it was still under the warrantyWouldn't waive our first payment even tho it was in the shop for 2-weeks Back to the paymentsWe made payments the last times I the first time we got a text and email stating they received the payment and thank youYet our account got a reversal payment and our account ( bank account was over drafted.) I thought maybe I calculated things wrongSo second time we did the online banking again cause it's freeThis time I made sure we had 8$ left in the account after the time of transactionsOnce again it said thank you for your transaction we have received your money I checked my bank account a couple days later and it was over draftedOnce again and they had made a payment reversal even tho I had money in my accountWhich btw also put me in the negativeEven have the bank statement to prove we had the fundsThan they harassed my husband about it Finally he put me on the bill with him so I can handle it before he can't deal with it nomore
The representative named love made an agreement with me about making the regular payment and then each week paying a little extra to get caught up so we dont lose the carMy husband works and goes to school and we have children so we can't afford to lose it Anyways they harassed us just this past weekendTold us we needed to make the payment by card ( even tho I couldn't afford the extra 4$) She was rude and inconsiderate and a total wench
It's not my fault you guys have been taking my payments and than reversing it for what reasons idkIf you guys looked at my account you'd see that up until the last weeks wed been paying on time or close to itNever miss a payment
If we have to weve called you and explainedDoing it online may be free but it is a scam
They will pretty much reverse your payment I even recalculate everything that statement to make sure I didn't over calculate something in the accountMy husband even looked it over snd nothing was wrongShould of had 8$ left in the account yet we were over drawn my 35$Than expected us to pay again even after I never got my full amount of money backone last thing when we went and got our car they told my heart it was to put downAfter he filled out paperwork they than upped it to 1500$because he was a previous customerYet they couldn't tell him before that??? RidiculousNever will I recommend this placeOnly reason we used it was because we were desperate at the timeAnd now it's a hassleNoone will touch our car because it's 25% equity Our car was sold at an auction for 7grand yet with this company were gonna be paying for a car not worth itWhat a rip off

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s
concernsOn July 27, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a Nissan VersaThe 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 ContractAttached you will find the Simple Interest Retail Installment Contract and the Vehicle Service Contract for your referenceIn 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 taxAs 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 onlyAll payments made on or after the sales date and before April 2016, were reversed and reapplied to the accountOn June 3, 2016, our customer contacted us concerning the payments on the accountWe informed her that the down payment was reversed and reapplied as a “payment” on her accountWe advised her to continue to make her regularly scheduled payments since the down payment was technically satisfiedAs of June 14, our customer currently owes $for $in past due payments, $in in-sufficient funds fees, and $in a late feeFull response provided to the Revdex.com

** *** *** ** *** *** *** *** *** *** ** *** *** *** ** *** *** *** *** *** ** *** *** ***
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,
*** ***