Capitol Hill Flower & Garden Inc

To Whom It May Concern,On April 21, 2015, our customer entered into a Lease Contract with DriveTime when she leased a 2005 Toyota Sienna. While DriveTime originated the Lease and is the Lessor,Bridgecrest Credit Company is the servicer of the Lease.When a consumer purchases or leases a vehicle, that...

vehicle is subject to sales tax. Sales tax is governed by state laws, which vary by jurisdiction. The sales tax is typically determined by the county where the purchaser/leaser resides. Under the terms of our customer’s lease contract, customers are subject to and responsible for any assessments or fees that DriveTime/Bridgecrest pays on their behalf, at the time of contracting, or any other time thereafter. This includes, but is not limited to, taxes.In this case, our customer leased the vehicle in Missouri which yields a sales tax of 4.225%. However, when calculating sales tax as stated above, it is based on the state and county our customer’s reside in. Our customer currently resides in the state of Kansas.Initially, when she leased the vehicle the tax rate was 6.15% in Kansas and her bi-weekly payments were $230.50. In July of 2015, the state of Kansas taxes raised to 6.5%subsequently causing our customer’s payments to increase by $0.75. Due to the raises oftaxes, her payments were adjusted to reflect the current tax addition in the amount of$231.25 on July 11, 2015. Bridgecrest, like all other commercial industries within the United States are subject to state and county tax. In addition, like other commercial entities, DriveTime is not notified when state and county tax changes occur. However, we must adhere to the regulations of each state to which we operate, therefore, we have taken the appropriate measures to ensure that all accounts are subject to required adjustments. We also encourage our customers to contact Bridgecrest lease customer service when these changes occur.On August 24, 2015, our customer contacted Bridgecrest regarding her payments. The lease representative assisting our customer advised that she was past due $2.23. Our customer stated she was notified that her payments were $230.50 and inquired about thedelinquency. At this time, our records indicate that our customer was not advised of the state tax adjustment. Our customer was advised that her payments increased and payment arrangements were made for $233.48. Bridgecrest offers a variety of different payment options to our customers includingAutomated Clearing House (ACH). ACH payments are electronic fund 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 recipientsonline pay service. This method of payment can be structured for automatic withdrawal.Should a payment amount change for any reason, it is the customer’s responsibility to make the necessary adjustments with their financial institution or Bridgecrest’s lease customer service department.On March 21, 2016, our records indicate that our customer’s ACH payments had not been adjusted to cover the full $231.25. Our customer expressed concerns regarding a past due balance. The assisting Bridgecrest representative advised our customer that she believed the past due amount was due to a change in Kansas state tax. However, the representative was unable to confirm that this was in fact accurate and advised that a lease manager would follow-up with our customer.The next day, a lease manager contacted our customer regarding the status of her lease account. We advised that although our customer opted to enroll in ACH, the taxation within her state adjusted to a higher percentage subsequently causing her payments to increase. Due to the increase, our customer had accrued a delinquent balance of $14.23.Our customer became escalated due to Bridgecrest’s inability to inform her of the tax adjustment and ended the call.On June 14, 2016, our customer contacted Bridgecrest regarding a past due balance. Ourrecords indicate that our customer had accumulated a delinquency of $18.73. The assisting Bridgecrest representative advised that our customer’s ACH periodic bi-weeklypayments were in the amount of $230.50. Because of the taxation change in the state ofKansas, each periodic payment since July of 2015, was $231.25. Therefore, every ACHpayment made since that date accrued a delinquency of $0.75. To resolve our customer’sconcerns, due to the confusion the tax adjustment caused, the lease representative initiated a credit of $18.73 as a good will gesture. In addition, our customer authorizedthe lease representative to discontinue her current ACH payments; then reinstate herACH with accurate payment amount of $231.25.On January 10, 2017, we spoke to our customer to address the concerns in her complaint.Our records indicate that our customer was $32.40 delinquent. We advised that the underlying issue causing our customers confusion originates from an increase in the taxes by her state/county. In addition, we advised that Bridgecrest is not intentionally causing her payments to increase and that we are governed by the regulations of her state. Bridgecrest understand and recognizes this process has caused our customer legitimate confusion. Given that, Bridgecrest has applied a goodwill credit of $32.40. Our customer was satisfied with our resolution and we ended correspondence on amicable terms.After further in depth review we found that our customers lease of the vehicle and the administration of her lease account were handled in accordance with our standards procedures and all applicable laws. Bridgecrest is also currently aware that an additional tax adjustment has occurred in our customer’s state/county. As such, our customer’s periodic bi-weekly payments are now $234.47. We strongly encourage our customer to contact Bridgecrest’s lease customer service department at (800) 813-5883 for assistancewith adjusting her ACH payments.We apologize for any confusion or inconvenience this matter may have caused. As an additional goodwill gesture, Bridgecrest has applied a $25.00 credit toward our customer’s lease account.Bridgecrest thanks the Revdex.com for their ongoing support. Should youhave any questions or concerns, please contact us by calling us at [redacted] Sincerely, Brodie H. Customer Relations Department

September 7, 2016   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 July 11,...

2016, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2011 Ford Fusion. 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. During the contracting process on July 11, 2016, DriveTime required a proof of income from our customer to ensure income was sufficient to maintain loan payments. Our customer provided us with a paycheck stub from her employer and an Employment Verification Form that her employer filled out. The Employment Verification Form was signed by her employer and had shown that her employment was still active. Under the terms of the Retail Installment Contract, we notify the customer that we may perform after sale verification of the information provided to us by the customer. On August 16, 2016, DriveTime contacted our customer’s employer as part of the verification process. DriveTime found that our customer had not worked with the employer since July 6, 2016, this was prior to the sale of the vehicle. Our customer’s employer also informed us that the individual who signed the Employment Verification Form never worked for the company. DriveTime made contact with our customer this same day to inform her that the information she provided to us at the time of sale did not pass verification. DriveTime requested our customer to return the vehicle since the employment verification failed. In effect, she had misrepresented her employment status to us and forged documents.On August 18, 2016, our customer spoke with DriveTime to see if she was able to providenew Proof of Income to keep the vehicle. DriveTime informed our customer that she can Formerly DT Credit Company, LLC provide us with Proof of Income from her new employer for verification, this would consistof the same needed information that we require at the time of sale.On August 25, 2016, DriveTime received our customer’s updated Proof of Income. The Proof of Income provided by our customer did not meet DriveTime’s requirements as it was handwritten and did not utilize our standard Employment Verification Form.Additionally, no paycheck stubs were provided.On August 29, 2016, we recovered our vehicle. At the time of the recovery, our customersaccount was current, however she did have a total of 3 Non-sufficient Funds (NSF)transactions on her account from the following dates: August 5, August 20, and August 24,2016. Since our customer had not provided an updated Employment Verification Form andthere were multiple NSF’s on the account, Bridgecrest recovered the vehicle. On the sameday, we informed our customer that we would not allow a redemption of the vehicle, dueto the employment verification failure/misrepresentations and multiple returned NSFpayments.On September 2, 2016, we spoke with our customer to discuss her concerns. We explained to our customer the reasons for recovering the vehicle. Our customer informed us that she no longer wanted the vehicle and was only interested in a refund of her $1,200.00 down payment. We explained that after the 5 day Vehicle Return Period, depending upon the total fees and costs, we retain $800.00 of the down payment after sale to cover our expenses, including the costs to recondition and prepare the vehicle for sale, and the fees and costs related to the recovery of the vehicle.We apologize for any confusion or inconvenience this matter may have caused. Afteradditional consideration, we will refund the amount of her down payment over $800 or$400. If she is willing to accept this offer, we will require a signed settlement agreement.We had previously informed our customer that there will be no adverse credit reportingfrom her loan and the trade line will be removed from all 3 major credit bureaus. As agesture of goodwill, Bridgecrest has mailed our customer a $25.00 American Express giftcard.Bridgecrest thanks the Revdex.com for their ongoing support. Should you haveany questions or concerns, please contact us by calling us at [redacted].Sincerely,Jeremy R.Customer Relations

My name is [redacted]. I filed a complaint against Bridgecrest and received a response today.  I tried to refuse their response and put in a rebuttle, but it wasn't accepted. I called in and was recomended to email you. The following is my rebuttle, and I'm attatching proof.I never asked to be placed on a do not call list. The same woman called me twice with conflicting information.  She gave me the same options I've already exhausted. I signed up for autopay the day of the purchase, like I told her. Attached is the proof she asked for.Autopay is the only free option to make a payment, and they refuse to acknowledge that I ever signed up. I've tried to sign up twice. Also, a payment in April was lost. I spent three days trying to revover my payment. I'm a hairstylist and make $200+ a day. That $25 "goodwill" money is an insult.  I have been physically sickened by this whole transaction.I want all the money back that I've paid in fees since the day I signed up for autopay. I refuse to keep giving people my personal information over the phone if they don't use it propperly. I'm a victim of identity theft and these reps could very well be using my information for other purposes.If they refuse to acknowledge any wrong doing, I will refuse to pay for the vehicle. My credit isn't more important than my health.

Complaint: [redacted]
I am rejecting this response because:I called the business and asked that the owner return my call so I could personally explain why I can not take the $60.00 as this is a point- they delivered the wrong flowers which is admitted o by all and I shouldn't take anything. Visa does have the dispute. if the owner had returned my call, he would know that.
Sincerely,
[redacted]

July 7th, 2017 Customer: "I will drop this for the return of the $60.00 you offered" Me: "In that case, send me a letter showing that the charge has gone through since I know you already talked to Visa. Otherwise, I will wait until the end of the month and then send you the check." Customer: "I will send the letter but not sure when billing will go through-sometime in the next 3 weeks I would suppose" This was via e-mail on July 7th, 2017. I'm currently waiting for the letter from the customer so that I can send her the check. She initially went through Visa to do a chargeback. I need to make sure she's not taking $91 + the $60 that I offered her.Sent on: 7/24/2017 7:56:35 PM