Bridgecrest 's system has an error where accounts nearing their date of maturity automatically flag as past due. My accounts date of origination is XX/XX/XXXX. From that moment up until XX/XX/XXXX, my account was on auto pay. On the XXXX of every month, Bridgecrest automatically withdrew {$260.00} dollars from my checking account. My personal financial records reflect this. Bridgecrest 's company records reflect this. On XX/XX/XXXX, I checked my mailbox to discover a piece of mail from Bridgecrest dated XX/XX/XXXX and titled " NOTICE OF RIGHT TO CURE DEFAULT. '' I immediately called the number in the top right corner of the letter and was connected with an agent, who let me know about the false past due notice issue. He submitted my account to Payments Research and warned me that if they werent able to rectify by XX/XX/XXXX there would be a strike against my credit that they would then fix.…
CFPB COMPLAINT DATABASE
Bridgecrest Acceptance Corporation
650 real consumer complaints filed against Bridgecrest Acceptance Corporation at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Repossession149
- 02Managing the loan or lease146
- 03Incorrect information on your report105
- 04Problem with a company's investigation into an existing problem52
- 05Attempts to collect debt not owed35
Top states filing
Recent complaints
The 30 most recent complaints against Bridgecrest Acceptance Corporation where the consumer chose to publish their narrative.
I have a loan with BridgeCrest and I had a job loss. I communicated with them and they let me know that there was a scheduled payment that I was unaware of. They asked me if I want to cancel it and I confirmed with them. Yes I would like to please have that canceled. My account was overdrawn as they continued to take a payment without my authorization and I have screenshots and proof where I confirmed to please cancel my payment. They refuse to return the money and they claim they have no ability to stop it. I spoke with the bank and the bank said they absolutely have the ability and only they can stop it.
I voluntarily had my car repossessed, knowing there would be an amount Id eventually owe. I started receiving texts about this on XX/XX/year>. I called on Thursday, XX/XX/year>, at XXXXXXXX XXXX to discuss my options for paying back the debt of {$14000.00}. During the call, the representative mentioned that if I paid the debt back in semi-monthly payments, I would receive a 55 % discount, bringing the balance down to {$6300.00} with a reasonable payment plan. Once I agreed to this arrangement, I asked for documentation outlining the new terms, including the amount due, payment deadlines, and payment amounts. The representative told me that they dont provide that information and that I would receive an email after I set up auto pay. I insisted on getting something in writing because I wanted to pay the debt, but they were preventing me from moving forward. The representative then warned me that it would be reported as a non-payment on my credit report.…
I am filing this complaint regarding my auto loan account for a XXXX XXXX XXXX. On XX/XX/XXXX, sent certified written requests to both Bridgecrest ( loan servicer ) and XXXX ( selling dealer ). These letters were delivered and requested specific documentation and clarification regarding my loan. As of today, I have not received any response. My request included : -A complete payment history and breakdown of how each payment has been applied -Documentation supporting all add-on products included in my loan -Copies of any signed agreements authorizing the purchase of those add-ons -A clear explanation of how interest is being calculated and applied to my account My loan includes several add-on products, including a service contract, GAP coverage, and a vehicle tracking product, which increased my amount financed by over {$6000.00}.…
I am submitting a new complaint regarding Bridgecrest Credit Company , LLC due to failure to provide requested documentation and continued collection activity. I previously requested a complete contract file and documentation supporting all charges included in my account. To date, I have not received sufficient documentation verifying authorization of charges or a full breakdown of the account balance. Despite this, I am being threatened with repossession. The lack of documentation supporting the balance raises serious concerns regarding the accuracy and validity of the account. I am requesting immediate production of all requested records and review of this account before any further collection or repossession actions are taken.
I purchased a vehicle from XXXX approximately one month ago after multiple visits to the dealership. I traveled over an hour and a half on three separate occasions because I was consistently told by the salesperson that the vehicle was priced at approximately XXXX dollars and that my payments would be XXXX dollars per month. During the sales process, I was instructed not to worry about reviewing the paperwork and was told to simply click through and sign. I relied on those statements. At no point during any conversation was I told that the payments would be biweekly. The word biweekly was never used or explained. My co-signer was present during the transaction and can confirm that we were only told the payments would be XXXX dollars per month. We both relied on that representation in agreeing to move forward.…
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Date : XX/XX/year> Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Company : Bridgecrest XXXX. XXXX XXXX XXXX, AZ XXXX Subject : Formal Complaint Inaccurate Repossession Reporting, Failure to Validate Debt, and Potential FCRA Violations To Whom It May Concern, I am filing this formal complaint against Bridgecrest for reporting a repossession on my credit file that is inaccurate, unverified, and potentially unlawful. Despite my efforts to obtain proper validation, Bridgecrest has failed to provide competent evidence supporting the reporting of this account. This matter involves serious violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to the reporting of information that can not be substantiated and failure to conduct a reasonable investigation.…
I am filing a complaint against Bridgecrest regarding attempts XXXX collect on an auto loan account that was previously charged off. The creditor has written this debt off as a loss. Despite this Bridgecrest continues XXXX attempt XXXX collect payment as if the account is still active, without clearly disclosing the charge off status or providing proper validation of the debt. I believe this may be a violation of the Fair Debt Collection Practices Act ( FDCPA ) XXXX/or inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). The attempt XXXX collect this debt is being collected without proper validation. The status of the account is misleading XXXX/or inaccurately represented. I have not received sufficient documentation supporting the current balance or authority XXXX collect I wanted XXXX settle this amount at the previous amount of {$3000.00} that they were offering at XXXX time. I didnt have the funds then but have it now.…
As I stated before, these companies sent me up for failure. Many tas I have called them and asked them to set it on a day that I get paid. They refuse to do that, they kept telling me that they do it on the next time. When I get it paid up, that never happened.And I was a says, fees from the bank and from them, which caused me to go into financial turmoil. When the vehicle was repossessed, I never received any notice about this? Until after the vehicle was sold XXXX dollars and they expect me to pay XXXX XXXX XXXX dollars.Not only that, they keep changing the amount that is due. Their response was is that they said that I purchased a XXXX XXXX.I never purchased a XXXX XXXX. And I didn't get it from XXXX XXXX, whatever they said it came from XXXX. They're excuse for why did not receive the paperwork? Is because I put a do not Contact on my file because I kept harassing.…
entered into a retail installment contract to purchase a vehicle through XXXX XXXX XXXX XXXX XXXX, which was later assigned for servicing and collection to Bridgecrest Credit Company , LLC. Lack of Clear Disclosure / Pressure at Signing You were not given a clear explanation of : total cost financing structure down payment implications Add-on products XXXX XXXX XXXX, XXXX ) were : presented under pressure not clearly optional not fully explained Disputed Account + Demand for Verification You formally disputed the account You requested verification and documentation You made a good-faith presentment/tender Contradictory Statements by Bridgecrest They said : We reviewed your account AND ALSO We can not locate your account Continued Collection + Threatened Repossession Despite : your dispute lack of verification inconsistent records Failure to Prove Authority They claim to act as assignee/servicer But have NOT provided : full chain of assignment proof of entitlement to enforce Credit…
CFPB COMPLAINT : WILLFUL MISREPRESENTATION DURING FEDERAL INVESTIGATION Complaint Subject : Deceptive Acts and Willful Misrepresentation during Federal Investigation Company : Bridgecrest Acceptance Corp. Representative Involved : XXXX XXXX XXXX XXXX XXXX. ) Description of Deceptive Acts : This is a follow-up to a previous complaint regarding Bridgecrests failure to provide a vehicle title. I am reporting a documented instance of Bridgecrest providing false and misleading information to the CFPB during an active investigation. On XX/XX/XXXX, Bridgecrest XXXX XXXX XXXX XXXX initiated a XXXX telephone conversation with me. During this call, she explicitly stated that Bridgecrest was in possession of the title for my XXXX XXXX XXXX.…
b'Bridgecrest Acceptance Corporation is actively violating the Fair Credit Reporting Act and the Truth in Lending Act. On XXXX XXXX XXXX I sent them a formal notice of dispute, revocation of Power of Attorney, and demand for validation regarding account XXXXXXXX via certified mail (Tracking XXXX XXXX XXXX XXXX XXXX. They signed for it. I sent a second notarized notice of default on XXXX XXXX XXXX.\n\nAll documents were NOTARIZED AND SEALED - THERE COULD NOT POSSIBLY BE A QUESTION OF IDENTITY\n\nThey refused to provide my certified contract or validate the debt within the statutory 30-day timeframe. Instead, they use a bad-faith "address / identity mismatch" excuse to deliberately ignore my notarized correspondence.\n\nThey completely ignore my revocation of their Power of Attorney and keep reporting unverified, derogatory marks to my credit profile. This directly violates 15 U.S.C. 1681s-2.…
XXXX XXXX is a third party collector and are not the original owner of this account that they purchased from Bridgecrest. Further more they are illegally re-aging the open date which violates FCRA and FDCPA extending the time negative items stay on my report. Therefore I believe this account needs to be removed i have sent experian proof of the open date and they failed to investigate this matter.
I am filing a complaint regarding my auto loan account with Bridgecrest ( account number : XXXX ). The vehicle associated with this account developed serious mechanical issues and had multiple recalls, which ultimately made the vehicle undriveable. I attempted to communicate these issues and seek a resolution ; however, many calls went unanswered, and my concerns were not properly addressed. Despite the condition of the vehicle, the account proceeded to repossession. I was not provided with clear or adequate communication regarding the repossession process, including notice of sale or details about how the vehicle would be sold. Following the reposession, the account balance changed significantly from approximately {$28000.00} to {$10000.00}. I have not been provided with a detailed explanation or documentation showing how this remaining balance was calculated.…
I financed a XXXX XXXX XXXX XXXX with XXXX miles on XX/XX/XXXX. The purchase price was {$18000.00} with an out-the-door total of {$20000.00} financed through Bridgecrest. The vehicle was repossessed on XX/XX/XXXX ( approximately XXXX miles at that time ). Bridgecrest contacted me multiple times via phone and email attempting to get me to reinstate the loan and return the vehicle, but offered no modified terms that would make the payments manageable. On XX/XX/XXXX, I received a mailed notice stating the vehicle was sold for {$6200.00}, resulting in a {$15000.00} deficiency balance ( aggregate owed {$22000.00} minus sale proceeds ). No notice was sent by registered or certified mail within 10 days of repossession ( by approximately XX/XX/XXXX ) advising of intent to pursue a deficiency or my right to demand a public sale, as required by XXXX. XXXX. All earlier communications were informal and did not comply with this statute.…
I fell behind in XXXX and XXXX on payments. On XX/XX/XXXX they repossessed the vehicle at some point in the middle of the night. I enailed the loan servicer the next day in regards to my situation. I then spoke to them on the phone where I was looking at close to {$2000.00} to catch up. As a XXXX veteran i am on a fixed income and the payment wasn't going to be deposited soon enough to prevent the sale. So I messaged the loan servicer again about retrieving my belongings and never got a response
Re : Dispute of Inaccurate Information Account # [ XXXX ] Bridgecrest To Whom It May Concern : I am writing to dispute multiple inaccuracies appearing on my XXXX credit report regarding the above-referenced Bridgecrest auto loan account ( Account Number : XXXX ). I request that you investigate these errors and correct or delete the inaccurate information pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. SPECIFIC ERRORS IDENTIFIED : 1. Erroneous Payment History Coding The payment history incorrectly reports " R '' ( Repossession ) status for XXXX consecutive months from XX/XX/XXXX through XX/XX/XXXX. Once a vehicle is repossessed and the account charged off, continuing to report monthly repossession codes is factually impossible and misleading. This suggests the account is being reported as a fresh repossession each month rather than accurately reflecting a single repossession event followed by collection activity on the deficiency balance. XXXX.…
I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX, and financed the vehicle through their lending platform. Shortly after taking possession of the vehicle, on XX/XX/XXXX, I experienced a serious mechanical failure involving the wheel assembly, including the studs and/or hub. This failure created a dangerous driving condition and rendered the vehicle unsafe to operate. The vehicle required extensive repairs totaling {$9700.00}. I filed a claim with XXXX warranty provider on XX/XX/XXXX, but the claim was denied under the assertion of outside influence, despite no evidence of misuse, accident, or external damage. This denial appears improper and left me financially responsible for a failure that should not have occurred under normal use.…
I have been in communication with Bridgecrest for over a month due to my account being behind. I was told that if I made a payment of XXXX before the due date of XX/XX/XXXX or on the date, I have been getting emails that had been giving misinformation with the time dates and amounts. Which I was referring to to keep up with my payment alongside the app online. The app doesnt give you full breakdowns like it needs to so I also referred to my emails which I do have but one of my main concerns is while I was in my vehicle. There was hooks attached and damaged my vehicle vehicles as the repo agent was trying to repossessed my car while I was still inside of the car. So Im knowledge that is illegal in Georgia.
I purchased a vehicle on XX/XX/year>, through Bridgecrest. By XX/XX/year>, the car became completely undriveable. I had to pay {$200.00} in towing fees just to get it to a mechanic within the warranty network. I have been in contact multiple times with the dealership that sold me the car and with Bridgecrest regarding this issue. I requested to return the car and have the loan removed so I could obtain a working vehicle. These requests were denied, and I was told that surrendering the car would count as a voluntary repossession and result in a charge-off on my credit, despite the fact that the car is undriveable and not in my possession. I was also informed that it could possibly take up to XXXX weeks for the car to be fixed, even if everything goes perfectly, and that there is no guarantee the warranty claim will be approved. The warranty offers rental reimbursement of only {$300.00}, which will not even cover a single week of a rental car, leaving me without transportation.…
A vehicle I was lawfully in possession of was repossessed by a contractor acting on behalf of Bridgecrest Credit Company even though Bridgecrest did not have a valid lien or legal right to repossess the vehicle. The vehicle had previously been purchased at a government seizure auction by a family member and transferred with a valid title. Despite this, a repossession company acting on instructions connected to Bridgecrest removed the vehicle from a gated residential parking garage without notice in the morning hours on or about XXXX/26. The vehicle was held for more than five days before it was ultimately released. During that time I was deprived of the use of the vehicle and had to limit normal travel and activities, which included instances where I could have been attending to income-producing tasks. I also incurred transportation expenses during this period.…
This is the second time I am trying to resolve this if you pull up the previous case on my account last year in XXXX not XXXX last year in XXXX I started calling to switch for XX/XX/XXXX to XX/XX/XXXX. I was about three months behind you guys said I could the agent at that time felt I repeat failed to tell me that there was a second part of the disclosure she had told me that she assures me the dates would get changed. I was under the assumption that it would be changed by XXXX come XXXX. I still see that she told me that it would update within XXXX hours or that it should be updated and I can see that change on my end however, a month later I called and apparently there was a second part of the disclosure that I didnt hear I have been behind on my stuff for almost a year, talking to multiple managers, multiple supervisors with all the supervisors and managers telling me and saying the words I assure you, we will resolve this. I guarantee you we can switch this.…
I dispute the accuracy of the following tradelines and request immediate reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). If any furnisher can not verify with complete documentation, delete the item from my consumer file. 1 ) XXXX XXXX account ending XXXX - Reported late payments : XXXX XXXX ; XXXX XXXX. - Dispute : These late payments are incorrect. Verify full payment history, dates, and status. Delete if unverifiable. 2 ) XXXX XXXX account ending XXXX - Reported late payments : XXXX XXXX ; XX/XX/XXXX. - Dispute : These late payments are incorrect. Verify full payment history, dates, and status. Delete if unverifiable. 3 ) Bridgecrest account ending XXXX - Reported : current balance {$14000.00} ; original balance {$26000.00} ; last payment date XX/XX/XXXX ; repossession/derogatory status. - Dispute : Last payment date is incorrect ( XX/XX/XXXX is inaccurate ), repossession status is incorrect, DOFD/balance/dates are inaccurate.…
XXXXI am filing this complaint regarding my vehicle purchase from XXXX XXXX XXXX XXXX XXXX, which was financed through Bridgecrest, and the subsequent repossession, sale, and handling of the vehicle through XXXX auction services. I would like to note that, I had repeatedly reached out to bridgecrest to voluntary repossess the vehicle due to constant issues , and they repeatedly advised me they could not. XXXXFrom the time of purchase, there were significant issues that suggest the vehicle was misrepresented and not in the condition advertised. XXXX promoted the vehicle as having passed a XXXX-point inspection, yet they have repeatedly refused to provide documentation identifying what components were inspected, repaired, or replaced. Shortly after delivery, substantial mechanical issues became apparent, indicating pre-existing problems that were not disclosed prior to sale.…
I bought my vehicle XXXX XXXX XXXX XXXX years ago. I always pay my payment on the due date of XX/XX/XXXX this XX/XX/year>. I was XXXX XXXX late and they sent me a letter to repossessed my vehicle if I didnt pay them within XXXX XXXX or they were gon na attach my pay and repossessed my car with the letter that they sent me the company I pay them for my car payment is called Bridgecrest . I did call Bridgecrest and I asked them to send me their paperwork that says if Im XXXX XXXX late in paying my payment, can they come and repossessed my car the woman I spoke to ignored what I was asking and just hung up the phone. This is the second time this year that I was XXXX XXXX late past my XXXX of each month date and paying it and both times they sent me a threatening letter. They were coming to repossessed my vehicle. I was a XXXX late XX/XX/year> paying my vehicle on that exact date due to the fact that I had XXXX for XXXX days.…
I am asserting Criminal Wiring Tampering and Material Misrepresentation under the FTC Holder Rule. I have provided a XXXX XXXX XXXX documenting a rigged alternator wire and XXXX corporate checks used to conceal defects. I have filed XXXX Public Records Request XXXX for the dealer 's bond. Bridgecrest is attempting to collect on a void contract induced by fraud. ''
I reviewed my consumer Reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for accounts : ( BRIDGECREST ) : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Also, this is not a charge off I own this car as I have paid in full Thank You XXXX XXXX
In XX/XX/XXXX, I purchased and financed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. XXXX acted as both the selling dealer and the finance company in this transaction. Within four ( 4 ) months of purchase, the vehicle suffered complete motor failure. I incurred the following out-of-pocket expenses as a direct result : One week without transportation Upfront rental car costs Towing fees to three separate locations Warranty deductible for motor replacement Approximately {$1200.00} {$1500.00} in total unexpected expenses The vehicle remained in the repair shop for over sixty ( 60 ) days. Upon return, the same motor defect reoccurred within thirty ( 30 ) days, confirming the repair was inadequate. These failures violate the Texas Finance Code and constitute unfair, deceptive, and abusive acts and practices under federal consumer financial law.…
Issue : Bridgecrest is refusing to post a payment that my bank confirms they received. Details : On XX/XX/year>, I made a {$400.00} payment to Bridgecrest. My bank has confirmed that the payment fully settled and the funds were received by Bridgecrests payment processor. I have provided Bridgecrest with bank statements showing the transaction cleared, including the settlement confirmation. Despite this, Bridgecrest continues to claim they do not have the money and repeatedly instructs me to contact my bank. My bank has already verified that the funds left my account and were accepted by the merchant. This is an internal posting error on Bridgecrests side, not a missing payment. I have requested escalation to their Payment Research department, but Bridgecrest refuses to escalate and continues to place the burden on me to resolve an issue that is entirely within their control.
XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my credit report under the provisions of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ). The account listed below is being reported to XX/XX/XXXXXXXX XXXX XXXX as a charged-off auto loan with an outstanding balance. However, I have received IRS Form XXXX from the creditor indicating that the debt was canceled and discharged. Creditor Name : BRIDGECREST Account XXXX * * * Because BRIDGECREST has reported the debt to the IRS as canceled, continuing to report a balance due or charge-off status is inaccurate and misleading. A canceled debt should not continue to reflect an outstanding obligation. Under the Fair Credit Reporting Act, credit reporting agencies must ensure maximum possible accuracy of the information they report.…
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