Consumer complaint received 2023-08-08
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : I would like to file a formal complaint against the company : Bridgecrest ; with whom I have a 72 month lease for an auto loan of a XXXX XXXX XXXX. 

Account : XXXX I would like to state, before submitting this complaint I have contacted the company several times trying to resolve these issues. Which has left me with no other option. A certified letter was mailed XXXX XXXX XXXX. Which I did not receive a response too. I contacted the company via phone in XXXX, & XXXX requesting for a supervisor in the credit department to follow up with me, no one has ever called back. 

In XXXX of XXXX, after being on time with payments for 20 months, I fell behind due to being XXXX which I informed the company. I pleaded to receive one good will adjustment for the late payment, which they did not offer. I did made sure to stay on time with all payments because I seen that this company does not care about the personal matters of their customers. 
10 months later, in XXXX of XXXX  Bridgecrest reported a late payment, even though on my end the payment was made in time. I made my payment on XX/XX/XXXX, however the company did not process it until XX/XX/XXXX. Which now, marked me as 30 days late to the credit bureaus. 
3 weeks later, on XX/XX/XXXX I received an email from my credit monitoring service, stating that Bridgecrest had closed out the months report, and as of XX/XX/XXXX I was being marked late for that month. Which on my account dashboard, I had until XX/XX/XXXX to make the payment. I called in asked why was the month already being reported, and it was only the XXXX of the month? I was assured that this would be cleared, which it was not. I informed the representative that I was going through escrow for my new home, and could not have this report late, especially when the payment was not. Bridgecrest did not correct this problem, and I was denied the loan for my home. This has been one of the most emotionally distressing companies Ive EVER dealt with. Ive spoken to multiple account managers, and none have offered any kind of assistance. 

Again this month, XXXX XXXX a payment was made on XX/XX/XXXX at XXXX, ( time stamp on my confirmation email ) Per Bridgecrest, all payments needed to be made by XXXX PST to prevent account being reported as late. 
Bridgecrest did not post this payment until XX/XX/XXXX, 3 days later. When the payment was made on time. 
They are now stating that this payment as well, will be reported as late. This is inaccurate reporting. 

I have included time stamps of recent email confirmation, along with letter that was mailed in XXXX ( before additional late payments were added ). Also included a copy of Bridgecrests website that states payments are posted when made, which is false. As a consumer I find it very hard to believe that companies can completely ignore the law and get away with it. 

The law states that at no point should there be a late payment reporting to my consumer report and it should not include an transactions or experiences between me the consumer and any person making a report. 

T

hese are clear violations of my consumer rights under 15 U.S. Code & 1681a. 15 U.S. Code & 1681a1 and also 15 U.S. Code & 1666b I am asking for the
company to remove all late payments that have been reported to my account.

Dates : XXXX XXXX XXXX XXXX  This has had a direct impact on my mental and physical health. These illegal reportings are preventing me from being able to care for myself and my children, and also causing emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation