Complaints for Bridgecrest in Mesa, AZ - 156281409

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
6	Agreed to make an adjustment
0	Refusing to make an adjustment
9	Refuse to adjust, relying on terms of agreement
1	Unanswered

16 complaints against Bridgecrest

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5/9/2024

RESPONSE: Refuse to adjust, relying on terms of agreement Amount in Dispute: $0.00 Amount Settled: $0.00

Customer Complaint

4/16/2024

Ive been financing with this company since 2019 using my debit card to make bi-weekly payments the entire time. Now that i have less than $2000 left to pay off they are making it difficult for me to make a payment using online methods or over the phone. I havent tried in person yet but i know this can not at all be legal. Ive called them twice and both times they gaslit me and told me it was my card. I called the bank this card is issued under and theres no issue. Then i went and made other online payments again with no issues so i know its this place. I have read other reviews about this company since this has happened and the reviews seem to suggest that this company makes it very difficult to receive title after pay off amongst other shady processes so i am making this complaint as a paper trail because my jeep will be paid off by August and i dont want these people to even attempt to keep my title. Ive worked very hard and made my payments mostly in a timely manner and i want my title when im done paying. Theyre already doing this thing where i cant pay so i just dont know what else they will do. Resolution Sought My desired outcome is to be able to make my payments online or on the phone again.

Company Response

4/26/2024

April 26, 2024 Business Consumer Alliance To Whom It May Concern: Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer's concerns. Please see the following for details. On January 3, 2019, our customer entered a Retail Installment Contract (Contract) when she purchased a 2016 Jeep Patriot from DriveTime. Subsequently, the account was assigned to Bridgecrest. At the time of purchase, our customer agreed to remit biweekly payments of $217.32 beginning January 26, 2019. This information is outlined under the Truth in Lending Disclosures on page one of the Contract. On April 12, 2024, our customer contacted us reporting she was unable to remit a payment online. We attempted to process the payment by phone and advised her to reach out to her financial institution for further troubleshooting as the payment was not accepted. Upon receipt of our customer's complaint, we reviewed the account and have confirmed all policies and procedures were followed in the administration of the account. Additionally, we confirmed our customer successfully remitted an online payment on April 13, 2024. We attempted to contact our customer to discuss her concerns but were unsuccessful in reaching her. At this time, should our customer have any further questions we encourage her to contact us at the number provided below. Bridgecrest thanks the Business Consumer Alliance for allowing us the opportunity to address this matter. Should you have any additional questions, please contact our Customer Relations department at (800) 967-8854. Sincerely, Erica W. Agency Specialist

4/25/2024

RESPONSE: Refuse to adjust, relying on terms of agreement Amount in Dispute: $55,890.00 Amount Settled: $0.00

Customer Complaint

4/3/2024

I have been disputing the amount of $55,890 for over 90 days. Bridgecrest financial made a huge mistake on charging me a ridiculous amount on a used 2021 Mitsubishi Outlander. It rains inside the car. They never performed any routine maintenance on the car. Each time I take it for service I end up paying for repairs that should have been performed before the sell of the car. I only make $36,000 per year from Amazon. They failed to tell me how they arrive with $29,000 for the car and a $26,000 interest charge. They failed to tell me how they arrive at that amount when I have other obligations such as rent, utilities, etc. to pay for. I specifically told them at the time of purchase I did not want a car note over $400 per month. My note with them is $355.63 biweekly. Please help me out of this nightmare. Resolution Sought What they can do at this point is to provide me with a brand new 2024 vehicle of my choice with a monthly car note of $400.00 per month for 60 months.

Company Response

4/12/2024

April 12, 2024 Business Consumer Alliance To Whom It May Concern: Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer's concerns. We have confirmed that all policies, procedures, and applicable laws were followed in the origination and administration of the Retail Installment Contract (Contract). Please see the following for details. On October 28, 2023, our customer entered the Contract when she purchased a 2021 Mitsubishi Outlander from DriveTime. The Contract was subsequently assigned to Bridgecrest. At the time of purchase, our customer agreed to remit biweekly payments of $355.63 beginning November 24, 2023. She also agreed to finance a total amount of $29,093.38, with a 24.21 Annual Percentage Rate (APR), for a total sales price of $55,833.07. This information is outlined under the Truth in Lending Disclosures on page one of the Contract. There is no penalty for early payoff, and should our customer wish, she may explore third-party refinancing options at any time. Included in the total purchase price of the vehicle are the following optional products our customer elected to purchase: a 5-year/50,000-mile Vehicle Service Contract (VSC), Guaranteed Asset Protection (GAP), and LoJack Go (GPS). SilverRock is the administrator of these products, which can be cancelled at any time prior to their expiration, and any applicable prorated refund would be applied toward the principal balance of the account. To ensure that customers understand their financial terms and are satisfied with their purchase, Bridgecrest attempts a "Welcome Call" to go over Contract terms, scheduled due dates, simple interest structure, and sales experience. On October 30, 2023, we spoke with our customer and completed the "Welcome Call". She expressed her understanding of the terms of her Contract. Upon receipt of our customer's complaint, we spoke with our customer on April 10, 2024, and discussed the above referenced information. We are unable to accommodate our customer's request to lower her monthly scheduled payment amount, alter her Contract terms, or facilitate an exchange of her vehicle. At this time, should our customer have any further questions we encourage her to contact us at the number provided below. Bridgecrest thanks the Business Consumer Alliance for allowing us the opportunity to address this matter. Should you or our customer have any additional questions, please contact our Customer Relations department at (800) 967-8854. Sincerely, Jacqueline M. Agency Specialist

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