Capitol Hill Flower & Garden Inc

Before Bridgecrest can release documentation to any insurance company for total loss claims, we request a market evaluation, settlement breakdown, and the total loss summaryAfter reviewing our customer’s account, we found his insurance company faxed in a request for the letter of guarantee on
September 13, As this fax did not include the market evaluation and the settlement breakdown, we did not accommodate their requestWe also found we did not follow up accordingly with the insurance company to inform them of our requirements for sending documentsNo further interactions occurred until January of 2017.On January 10, 2017, the insurance company contacted Bridgecrest to provide a summary of the total loss claimWe advised them we needed a market evaluation and a settlement breakdown. On January 27, 2017, after receiving all requested documentation from the insurance company, we supplied them with the letter of guaranteeThe letter of guarantee listed two addresses to send payment to: *** *** *** Phoenix, AZ and *** ** *** *** *** ** ***. On February 17, 2017, the insurance company advised Bridgecrest they had sent in an insurance check for the total loss claimWe informed them we had not received the check and determined they had sent it to an incorrect address, *** ** *** *** *** *** ** ***We advised them of the correct addresses, and they informed us they would be reissuing a check.On March 13, 2017, Bridgecrest received the insurance check, totaling $2,This amount was applied towards our customer’s principal balance, leaving a remaining principal balance of $1,937.79. We apologize for the delays in finalizing our customer’s total loss claimSince March of 2017, our customer has continued to make payments towards his loanFurthermore, he spoke with Bridgecrest on several occasions requesting the waiver of any additionally accrued interest on his account(continued on attached)

Thank you for bringing this matter to our attentionWe 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 Toyota HighlanderThe vehicle came with a 30-day
/ 1,500-mile DriveCare Limited Warranty, administered by AeverexOur customer opted to purchase an additional 5-year/50,000-mile Vehicle Service Contract, also administered by AeverexThe Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance CorporationAttached 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 controlAeverex 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 ACissuesAeverex encouraged him to have a diagnosis completed at an in-network repair facility.On October 24, 2016, our customer voluntarily surrendered the vehicle to DriveTimeThat same day, DriveTime processed the vehicle accordingly and made arrangementsto transport the vehicle to the neauction.On November 2, 2016, a third party requested the 10-day payoff amount for the vehicleWe provided a 10-day payoff amount of $15,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 vehicleHe 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 DriveTimeOur customer also stated concerns with the way the trade line was being reported to the major credit reporting agenciesHe advised the vehicle was being reported as an involuntary repossession rather than a voluntary surrenderAfter further review of the account, we have determined that no action was taken by Bridgecrest in reference to the aforementioned concernsWe apologize for any inconvenience this matter may have caused.On December 1, 2016, our customer contacted Bridgecrest in reference to theinsurance claimWe informed him our third party vendor had filed a lien holders claim on behalf of Bridgecrest and encouraged him to contact them for further assistanceWe 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 concernsWe 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 himWe 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 providerOur third party vendor filed a claim on behalf of Bridgecrest when damage was found on the vehicleOur 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 estimateIf our customer if disputing the damage occurred while in his possession, he would need to dispute that with his insurance providerIt 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 causedAs a goodwill gesture, Bridgecrest has sent our customer a $American Express gift card to the address on file. Bridgecrest thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at 800-965-

When completing a loan modification for a Frequency Change, Bridgecrest typically requires our customer to provide pay statementsBridgecrest wants to ensure that we are setting our customer up for a successful change to their loan, therefore, pay statements are required to validate our customer’s pay scheduleAdditionally, Bridgecrest also requires our customer to fulfill their contractual obligation to bring their payments current before we allow a modification for a Frequency Change to occurAs a gesture of goodwill, Bridgecrest has not required our customer to send in her pay statements nor have we required her to bring her account current prior to providing her a loan modificationWe apologize for any confusion or inconvenience this matter may have causedBridgecrest is still currently in process of providing a Frequency Change and two payment deferments to our customerBridgecrest thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ***

I Disagree totally with the response from bridge crestreading other complaints I now totally understand that bridge crest only defends itself even when they are in the wrongThere has been several similar complaints made against this financing company as wellI will like to personally obtain all recordings with agents name, dates and timesI will also contact the consumer protection bureaus as well as my state attorney general, because I know what was told to me and if information is being withheld to make the company look good then I condemn it and I believe more action should be takenI highly recommend a investigation to be launched based on the fraud events of the companyI did talk to a very nice relations specialist named Jessica, which I thought we established an accurate and friendly line of communicationBut this response is ridiculous

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address the consumer’s concerns Bridgecrest offers several payment options for our customers’ convenienceOur customers are able to make a payment over the phone, online, or via text with Western Union
(“Speedpay”)These options are processed by a third party vendor who charges a $convenience fee, as of April 2016, for every payment madeAdditionally, our customer can contact our Bridgecrest Customer Service department or visit www.myaccounts.bridgecrest.com to make a one-time ACH payment, schedule post-dated payments or, if the account is current, enroll in AutoPayAny transaction completed over-the-phone must be authorized by the card or bank account holder On May 9, 2017, Bridgecrest spoke with the consumer to discuss this matterHe informed us the transaction had been reversed and a police report has been filedAdditionally, he advised us he was assessed a $overdraft fee through his bankWe requested he provide a running bank statement so we may investigate further into the origination of his concerns At this time, we have not received the consumer’s running bank statement but will continue correspondence, until we are able to complete a thorough review into our consumer’s concerns We apologize for any inconvenience or confusion this matter may have caused 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, Danielle CCustomer Relations

On August 30, 2017, we contacted our customer and confirmed he had retrieved the vehicleOur customer expressed concerns about having to make two payments of $to secure the release of the vehicle, when he had only agreed to make one at this timeAdditionally, our customer discussed concerns that the vehicle had been damaged by the recovery vendorAfter further review of our customer’s situation, we refunded the second payment of $made via certified funds as a goodwill gestureShould the initial ACH payment of $be reversed for any reason, our customer has acknowledged an understanding that the vehicle will be reassigned for recoveryAdditionally, we are currently reviewing the situation with the recovery vendor and intend to work with our customer until this matter is resolved

Please see the attached PDF for our full response.On September 2, 2016, Bridgecrest continued to make collection effortsOur customer wished for a representative of Bridgecrest upper management to contact himHe stated that an error occurredOur customer was advised that we would have a
representative from Bridgecrest management review his account. Throughout October and into December, our customer continued to make payments less than he was scheduledThis caused his account to remain delinquentBridgecrest continued attempts to contact our customer to cure his account. Bridgecrest has made several unsuccessful attempts to contact our customer to address his concernsOn January 20, 2017, we sent a letter via Fed Ex to his address he providedThe intent of this letter is to inform our customer of our attempts to reach him Bridgecrest sincerely apologizes for the underlying issues that caused this delay, and understands the unnecessary hardship and inconvenience this matter has causedBridgecrest is making every effort to ensure that the Contract Rate Buy Down is completed for our customer and has applied a credit toward our customer’s payments of $to bring the account currentAdditionally, as a goodwill gesture, Bridgecrest will credit our customer’s account one monthly payment of $ 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 Department

THe response from the company is not accurate, or acceptableI never received any contact from the company after the conversation on July 27th asking them to stop calling me during my work hoursNot only did I stop receiving calls but also the text message notifications and emailsI never miss my calls and I do not have any calls whatsoever from Bridgecrest since 7/27/I told them I would have the money they asked for on Thursday 8/17, and they took the car that Tuesday 8/I refuse to pay such a large amount to get my vehicle back when no communication was made on their end AT ALL until the order for repo was already issuedAt that point it was too lateI am going to contact an attorney regarding the harassing calls at work, the emails falsifying assistance offers and the disrespectful manner in which I've been talked to by management with the company

Please see the attached PDF for our full response. Bridgecrest made several, unsuccessful attempts to contact our customer and address her concernsOn January 12, 2017, we sent a letter to the address providedThe purpose of this letter is to inform our customer of our attempts to reach her
We encouraged our customer to contact our Customer Relations department at *** *** so we are better able to address her concerns On January 13, 2017, our customer contacted Bridgecrest regarding the above-mentioned letterWe advised that we are unable to accommodate her request, as her account does not meet the requirements for deferment eligibilityAs an alternative option, we offered our customer payment arrangementsWe reached amicable terms and set a Promise to Pay for January 20, We will continue to work with our customer in assisting her with the success of her loan until it is paid in full Bridgecrest strives to make each customer’s experience both rewarding and pleasant while ensuring that every customer is treated with the utmost respectWe apologize for any confusion or inconvenience this matter may have causedAs a goodwill gesture, Bridgecrest has applied a $credit 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 Department

Thank you for bringing this matter to our attentionWe appreciate the opportunity to re-address our customer’s concernsOn June 15, 2017, Bridgecrest spoke with our customerWe explained why she was listed as the co-buyer on the loan rather than the buyerIn response, she advised us she did not have an active insurance policy at the time of sale but had the ability to obtain itWe advised her, since she was present at the time of contracting, she had the opportunity to retain insurance coverage for the vehicleThis would allow her to be named the buyer of the vehicleOur customer expressed dissatisfaction with our explanation and the call was endedWe apologize we were not able to reach a mutual understanding with our customerShould she have any additional questions or concerns, she may contact our Customer Relations department at *** *** Bridgecrest thanks the Revdex.com for allowing us the opportunity to address our customer’s concernsShould you have any questions or concerns, please contact our Customer Relations department at *** ***

I have sent all documents and I have the confirmation pages from certified mail and faxI have supplied an affidavit pertaining to identity theft that has been notarizedI have ever also supplied my identifying documents, a copy of the report filed with the FBI Apply whatever credit you like since it is not my account! Also, the only phone calls I receive is when I am at work and unable to answerWhen I have tried to return the call, I am told that the individual is not in the office and/or it is "after office hours"

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

September 9, 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 January 2,
2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a Chevrolet TrailblazerThe Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance CorporationAttached will be the Simple Interest Retail Installment Contract for your reference At the time of sale, our customer agreed to make bi-weekly payments of $beginning on January 30, and one final payment of $on May 15, On August 15, 2016, our customer contacted Bridgecrest to set up a promise to payShe advised us that she would be able to make a payment of $on August 26, 2016. On August 23, 2016, our customer contacted Bridgecrest to set up a post-dated paymentShe agreed to make a payment of $on August 26, Bridgecrestset up the post-dated payment through Western Union to withdraw $on August 26, By that date, our customer’s account would be days past due for$642.99.On August 26, 2016, two payments of $posted to our customer’s accountThe first $payment was made through Western Union; the post-dated payment setup on August 23, The second $payment was made online at***, through the one-time ACH payment methodPost-dated payments are arranged through Bridgecrest representatives while the ACH payments are made and authorized manually by our customers.On August 29, 2016, Bridgecrest received the bank statement our customer had faxed inHowever, it was not legible; we requested our customer send another copy of the bank statement.On August 30, 2016, Bridgecrest had received a legible copy of the bank statementand forwarded to management for further review.On September 2, 2016, Bridgecrest contacted our customer after reviewing the bank statementsWe informed our customer that we could only refund $of the$Because our customer was delinquent when she authorized these two payments, they applied towards the past due balance and the remaining $219.33went towards the following scheduled paymentWe submitted the request for a physical check of $for our customer.On September 6, 2016, after speaking with our Payment Research department, they found some concerns with the bank statementOn it, her transaction for August 26, is showing as “Funding Reversal”, this means that the bank is requesting the payment of $be returned to them. That same day, Bridgecrest contacted our customer in attempt to explain the situationWe informed her that in order for us to confirm the payments are posted we hold the funds for 7-business days, from the transaction date, to ensure the payment will not reverseAfter said period of time, we are able to request a check be cut for the over payment amount of $219.33.At this time, our customer is not satisfied with Bridgecrest’s responseHowever, we are unable to process a refund until we confirm that her payment has posted to the account and will not reverse.We apologize for any inconvenience or confusion this matter may have causedAs a goodwill gesture, Bridgecrest has applied a $credit to the account balanceBridgecrest 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,Carlos S.Customer Relations

This response is just as unethical as the process that I am complaining aboutI was called by the rep who told me that I signed documents that stated the warranty was optional even though I did not know that it was an optional warranty because he manager told me it was requiredI was told I should have read carefully what I was signing of fine print, over pages that I was told to signI was told by the That I needed a lawyer present to read these documents as they stated things like the warranty was optional even though I was not given the option to decline the warrantyI was then told that because I did not know that the warranty was optional I have missed the waiver period to waive the warranty and I finally I was told that I was not going to be given a waiver and that I would have to pay $16,on a car that is worth $6,Like I have stated this lendor is a predatory lendorI have spent a lot of money fixing this car and all of my major repairs were denied by this warrantyEvery time I was told to refer to the documents I signed which states that nothing is coveredI basically paid $5,for a warranty plus interest for a scamThis company has made no attempts to be ethical and continues to blame me for not having a lawyer read my contract before signingThey are preying on low income individuals

For full response please see attached. In reviewing the account, our customer was only twelve days past due when the ATP had originally requested the loan deferments on October 9, Generally, when an account is only one payment past due, Bridgecrest will encourage customers to set payment
arrangements to avoid any additional interest which would occur with a loan defermentAdditionally, we are unable to defer future paymentsOur customer was only one payment past due at the time the ATP spoke with Bridgecrest, therefore we would be unable to honor the ATP’s request to defer two months of future payments to the end of the loanInstead, we encouraged the ATP to set an arrangement to make the payment at a later date. We apologize for any frustration or inconvenience this matter may have causedWe value our customer’s excellent payment history with Bridgecrest and due to the sensitivity of the matter, we are willing to defer the two currently past due bi-weekly payments to the end of the loanShould our customer agree to this offer, the customer will need to complete a loan modification agreement acknowledging the deferment terms. On October 11, 2017, we were able to contact the ATP to discuss the aforementioned informationThe ATP expressed satisfaction with the outcome and explained she would have the account holder contact Bridgecrest to complete the modification processWe will continue to remain in contact with the ATP to ensure all which has been promised is executed in a timely manner

For full response please see attached. On February 7, 2017, we processed a frequency change for our customer from a bi-weekly frequency to monthlyAdditionally, we approved a loan modification to defer the past due balance equivalent to seven payments on the account to the end of the loan to
assist in bringing the account to a current status. At this time, as the most recent payment due has not been received, our customer’s account is currently reflecting days past due for a total amount of $As all credit reporting has been completed accurately based on the transaction history, we are unable to honor our customer’s request to modify his credit reportingIn an attempt to reach an amicable resolution, we have applied a $credit to our customer’s account as a gesture of goodwill to assist in bringing it to a current statusWe have additionally attached a copy of our customer’s payment schedule and transaction history for your reference. We apologize for any frustration or inconvenience this matter may have causedAt this time we have made contact with our customer to discuss the aforementioned informationWe have provided our customer with the transaction history for his reviewOur customer advised he would compare to his records and would follow upShould our customer wish to discuss the matter further, we encourage him to contact our Customer Relations department at his earliest convenience *** ***

On October 17, 2017, we contacted our customer and attempted to address his concernsWe discussed options for assisting him with reimbursement; however, our customer advised that because the money had not already been refunded to him and his next payment due date was approaching, he would allow the
funds to remain on the accountWith these funds applied, our customer’s account is currently reflecting as a Paid Loan

For full response, please see attached. Additionally, we reviewed our customer’s rental reimbursements for a claim initiated on December 21, Per the terms of the Vehicle Service Contract, it is the warranty provider’s obligation to provide rental reimbursement of $for every eight hours of labor time required to complete the repair, up to five days per breakdownHowever, due to a delay in the repairs, *** authorized nine days of rental reimbursement for our customer and directly paid for a rental vehicle for an additional days for the inconvenienceAt this time, our customer would have only been responsible for any security deposit or fees assessed by the rental provider. When our customers’ accounts fall past due, we make multiple daily attempts to make payment arrangements, within applicable state and federal lawsOur primary goal is to work with our customers if a situation arises and find a solution to help them get back on trackIn order for calls to cease, the account must be brought current or a promise to pay must be set. Bridgecrest provides our customers the ability to set call window preferences for cell phone numbersThese are specific windows of time, specified by our customer, when calls can be receivedMrand Ms*** can also opt to place their phone numbers on the Do Not Call listFor numbers on the Do Not Call list, Bridgecrest will not be able to contact them at that phone number, for any reasonShould they have any questions or concerns in reference to their vehicle or loan, they will need to contact DriveTime or Bridgecrest for further assistance. We have reviewed our customer’s account and have determined it was handled within DriveTime standards and all applicable lawsAll outbound call attempts were made at a time when our customer’s account was reflecting a past due amountAdditionally, we have respected our customer’s request to no longer be contacted regarding the status of her account

On October 7, 2014, our customer entered into a Simple Interest Retail Installment Contract when she purchased a Dodge Nitro from DriveTimeThe Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance Corporation (Bridgecrest)Our customer elected
to purchase a 3-year / 36,000-mile Vehicle Service Contract, administered by ***Attached is a copy of the Contract and the Vehicle Service Contract for your reference. At the time of sale, our customer agreed to make monthly payments of $478.68, with one final payment of $477.76, beginning on November 19, She also agreed to finance a total of $20,with a 18.43% Annual Percentage Rate (APR), as outlined on page one of the ContractAdditionally, on page two of the Contract, under Itemization of Amount Financed, it provides a breakdown of what is included in the financed amount. Our customer’s contract is a ‘simple interest’ contractThis means a “finance charge” (interest) is charged each day on the amount financed with usWhen our customer makes a payment, the payment pays interest and then it pays/reduces the amount financedIf a payment is made late, the contract continues to accrue interest and more the payment has to go to pay the extra interestThis means less of your payment goes to pay/reduce the amount financed and it can take longer to pay off the contract with usWe strongly encourage our customers to make their payments on timeHowever, our customer has been days past due two times, days past due three times, days past due six times, and days past due eight times

October 18, 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