|
11738300
|
2025-01-25
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-25
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-25
|
|
|
11473944
|
2025-01-10
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem related to refinancing
|
| Sub Product |
Loan
|
| Date Received |
2025-01-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-10
|
|
|
6440563
|
2023-01-13
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-01-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-13
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and Bridgecrest repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to Bridgecrest multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with Bridgecrest and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over 5 years ago? Was it sold, XXXX it be listed as a charge off? And if its a charge off, should it be listing late payments? When did the late occur? And why is the balance still the same, was the car not sold? Who was it sold to? Is the account charged off? If so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, Bridgecrest to report inaccurate, incomplete, unverifiable information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. For many years. This company is updating incomplete, unverifiable, and incorrect information every month. I have disputed these unverifiable inaccuracies in writing, on line, and by phone with XXXX, XXXX, XXXX, and the company ; but yet these data furnishes still allow this company to destroy my credit worthiness by intentionally reporting incomplete, unverified, and inaccurate information every month for XXXX. This company is intentionally destroying my credit worthiness by intentionally violating the FCRA requirements by intentionally reporting incomplete, inaccurate, and unverifiable information. PLEASE HELP BECAUSE I HAVE SUBMITTED MANY DISPUTES BUT THE COMPANY AND THE CREDIT BUREAUS CONTINUE TO '' UPDATE '' THE ACCOUNT WITH INACCURATE, UNVERIFIABLE INFORMATION ALTHOUGH THEY CLAIM TO HAVE INVESTIGATED.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6262326
|
2022-11-30
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Unable to receive car title or other problem after the loan is paid off
|
| Sub Product |
Loan
|
| Date Received |
2022-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-07
|
| Complaint What Happened |
I refinanced my auto loan in XXXX with XXXX. They sent a check to Bridgecrest to pay off the loan. My payment due date was XXXX the XXXX and since Bridgecrest exists because of bogus fees, there is no grace period on their loans. So I had to make my payment that day. Then they post the check from XXXX on XX/XX/XXXX, we can call that a coincidence if they like, but we all know it is not.
Bridgecrest refuses to refund me for the overpayment amount which is around {$690.00}, I can not get the exact amount because they have shut off my access to my account and do not send out paperwork. The majority of their business is fraudulent, so that is no surprise. I have called and spent hours on the phone with them and getting the run around, but still no check.
This is my last ditch effort to get my funds as the next step is court and the entire fraudulent loan itself will be brought into question then as well as their shady business practices. I charge {$1000.00} an hour as well and they will pay that bill for all the hours I have wasted on this by them trying to steal my money as well as making me pay interest on money that couldn't exist without me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5575231
|
2022-05-18
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Loan
|
| Date Received |
2022-05-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/2022, I called Bridgecrest to let them know that I was going to trade in my vehicle and needed a XXXX payoff amount. ( The car note due date was on the XXXX ).
On XX/XX/2022, while at the dealership, the salesman asked me to call Bridgecrest again to verify the payoff amount.
On XX/XX/2022, I purchased a new vehicle and traded in the vehicle that was financed by Bridgecrest.
On XX/XX/2022, Bridgecrest called me twice stating that they had not received payment on my car loan. I informed them that the car was traded in and that they should have received the payoff check from the car dealership.
Bridgecrest continued to send me text messages and voice messages regarding a loan payment on the car it had financed.
On XX/XX/2022, I contacted someone at the dealership to see if they had sent the payoff check to Bridgecrest. She told me that they had. She and I got on a three-way call with a XXXX at Bridgecrest. The rep at the dealership gave the rep at Bridgecrest the date that the check had been sent to the lockbox ( a day or two after purchase ) and she verified the lockbox address. No one had been there to receive the check.
Bridgecrest reported a late payment to the credit bureaus.
I contacted Bridgecrest to get the late payment removed, because it was not my fault that they did not receive payment on the vehicle, when it was clearly sent in due time.
Bridgecrest refused to remove the late payment.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5490996
|
2022-04-24
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-04-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have contacted Bridgecrest formerly XXXX explained this account was settled and closed. This account has {$0.00} balance. This account with Bridgecrest formerly XXXX has been settled and closed, but is still on all XXXX of my credit reports. This account was paid fully by the insurance company upon repossession. Therefore this account needs to be removed Immediately! Therefore you are reporting false information on my credit.
As a citizen I have a RIGHT to have a accurate credit report, but as a CONSUMER congress gives me a right to dispute inaccurate information on my credit profile.
15 USC 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5283939
|
2022-03-03
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Debt collection
|
| Sub Issue |
Told you not to respond to a lawsuit they filed against you
|
| Sub Product |
Auto debt
|
| Date Received |
2022-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Bridgecrest called me on a recorded phone call telling me that they have SOLD my information to XXXXXXXX XXXX XXXX She stated that 2017 XXXX XXXX has been sold. I did not give Bridgecrest permission to sell my information. The XXXX went out on me on a bridge and they knew. I was told by the lady at bridgecrest if i wanted my information I would have to buy it back from XXXX XXXX which I found rude as well as her attitude. All Im asking is that they settle this mess with XXXX XXXX. I just this collection gone off my credit not in a negative way
|
| Consumer Consent Provided |
Consent provided
|
|
|
10852443
|
2024-11-20
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4349060
|
2021-05-04
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Auto debt
|
| Date Received |
2021-05-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10274002
|
2024-09-27
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Unable to receive car title or other problem after the loan is paid off
|
| Sub Product |
Loan
|
| Date Received |
2024-09-27
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-27
|
| Complaint What Happened |
Bridgecrest charged off the loan. I only owed about {$1000.00} when I lost my job and couldnt make payments. Now I owe more than twice as much, and they wont send the title to MS so I can renew my license plate. I paid for that car more than twice over, due to their predatory loan interest. I have a special needs child who has to go to medical appointments.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10229402
|
2024-09-24
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Deficiency balance after repossession
|
| Sub Product |
Loan
|
| Date Received |
2024-09-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10132320
|
2024-09-17
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-17
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6690139
|
2023-03-13
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-13
|
| Complaint What Happened |
15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A states a person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1668B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10085942
|
2024-09-11
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with fees charged
|
| Sub Product |
Loan
|
| Date Received |
2024-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3627762
|
2020-04-29
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Loan
|
| Date Received |
2020-04-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9985695
|
2024-08-29
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9845922
|
2024-08-19
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-19
|
| Complaint What Happened |
XXXX ALLOWED BRIDGECREST CREDIT C, AND XXXX XXXX I TO REPORT THIS ITEM ON MY CREDIT WHICH IS NOT IN FACT MY MINE. I NEVER HAD A CAR LOAN WIHT BRIDGECREST CREDIT C. I WOULD ASSUME IT IS IMPOSSIBLE TO HAVE THIS ON MY CREDIT WHEN IT IS NOT MINE. THIS ERROR IS ILLEGAL AND UNETHICAL. XXXX FAILED TO AN INESTIGATION. XXXX FAILED TO PERFORM An INVESTIGATION. THOSE ACCOUNTS HAS BEEN DAMAGING TO ME. REMOVE BOTH ACCOUNTS IMMEDIATELY. I CALLED XXXX THE REPERSENTIVE CONFIRMED THAT THE ADDRESS IT WAS UNDER IS NOT MY ADDRESS SHE STATED THAT IT WILL IN FACT BE UPDATED ITS NOT UPDATED
|
| Consumer Consent Provided |
Consent provided
|
|
|
2677670
|
2017-09-18
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Denied request to lower payments
|
| Sub Product |
Loan
|
| Date Received |
2017-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
They are constantly calling threatening about this vehicle
|
| Consumer Consent Provided |
Consent provided
|
|
|
8360205
|
2024-02-16
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-16
|
| Complaint What Happened |
Bridgecrest/XXXX is reporting inaccurate information on my credit report. As per the Simple Interest Retail Installment Contract ( page 2 of 5 ), the security interest secures payments of all amounts I owe in the contract and performance of my OTHER agreements in the contract. Bridgecrest collected a security interest, therefore the balance is {$0.00}. Although, I know I will file grievances with other agencies regarding the deception of the contract, the forgery ( electronic signature ), and the securities fraud, I want it on record in this complaint filed with the CFPB that Bridgecrest/XXXX practices in deception and fraud, robbing consumers. Also on the contract it states the amount of credit provided to me on my behalf, I am the creditor. I was not informed that I was entering a contract to be charged a finance charge for my own credit. No attorney was present to explain the legalese. document attached
|
| Consumer Consent Provided |
Consent provided
|
|
|
6686949
|
2023-03-13
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7011406
|
2023-05-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-05-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8049831
|
2023-12-22
|
Improper use of your report
|
Vehicle loan or lease
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Loan
|
| Date Received |
2023-12-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/2022 I entered into a simple retail installment contract with XXXXXXXX XXXXXXXX XXXX XXXX also known as Bridgecrest. I was mislead to believe that I needed to commingle a cash down payment and that this was a loan. I was told I had to put an cash down payment of {$2800.00} down. I signed a promissory note along with a security agreement which created a negotiable instrument. Earlier this year my vehicle was then stolen by this company they are now falsely reporting and interfering with my pursuit of happiness. There is a great deal of fraud and misreprsentation invovled in this transaction and Bridgecrest/XXXX needs to be held liable.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8193655
|
2024-01-20
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Bridgecrest/XXXX had been paid in full but will not correct credit report. The account is still showing a balance. XXXX investigated but kept the same information that was a remaining balance. I sent the paid in full letter to eperian but they did not correct their error.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7022219
|
2023-05-25
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Auto debt
|
| Date Received |
2023-05-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-25
|
| Complaint What Happened |
This Bridgecrest so cheat she wrong amount and scammers
|
| Consumer Consent Provided |
Consent provided
|
|
|
6827696
|
2023-04-11
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with fees charged
|
| Sub Product |
Loan
|
| Date Received |
2023-04-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-11
|
| Complaint What Happened |
I purchased a car from XXXX XXXX in XXXX TN in XXXX or XXXX the loan was for a little over {$21000.00} @ XXXX a month .... From my calculations I'm done paying that loan off and they're saying I still owe over {$7000.00}...
Loan Company name : Bridgecrest Car make model : XXXX XXXX XXXX Account # of loan : XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
7500711
|
2023-09-05
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-09-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4237984
|
2021-03-23
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Auto debt
|
| Date Received |
2021-03-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-29
|
| Complaint What Happened |
Hi, I have been with bridgecrest all for over two years now. And during the pandemic they were saying that they were going to make accommodations. And it was nice, except they were still reporting to the credit bureau. This company completely misrepresented The accommodations. Even when I spoke directly to more than one representative, they told me that I would not be reported to the credit bureau if I paid X amount. I did what I was supposed to do on my end but I still ended up being reported and 30 points on my credit dropped. I would like something done about this, it should be illegal, we are still in a pandemic and they are still reporting late payments even with payment arrangements.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6140973
|
2022-10-28
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2022-10-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4079863
|
2021-01-20
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5632557
|
2022-06-03
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Debt collection
|
| Sub Issue |
Contacted you after you asked them to stop
|
| Sub Product |
Auto debt
|
| Date Received |
2022-06-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I've been XXXX for a year, not my loan fraud used to put my name and social on account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5054612
|
2021-12-29
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Bridgecrest Acceptance Corporation
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Auto debt
|
| Date Received |
2021-12-29
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-29
|
| Consumer Consent Provided |
N/A
|
|
