Consumer complaint received 2024-01-12
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a car through XXXX. I am told that a shady company named " Bridgecrest '' is the loan or bank for my car. They have several lawsuits against them from many states for fraud and poor business practices. CA, Missouri and PN are 3 states who are hearing cases about them for deceptive business practices. So this company has a proven track record of issues both legally and financially for their " practices ''. Here is a link as proof that 3 states have lawsuits or actions against this company to verify what I am saying. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have NEVER had any company called " Bridgecrest '' ever call my cell phone ever. I submitted evidence of this with my last complaint through the CFPB. I had scammers called " XXXX XXXX '' and other names of personal people call me over and over so I refused to answer such scammer calls as my name has been part of several data breaches through medical, financial and other breaches and I have had to freeze my credit files with all 3 credit companies. They claim in their rebuttal to my first complaint with the CFPB that they, " Bridgecrest '' called me. They never did. Again nobody with a phone number showing the name " Bridgecrest Acceptance Corporation '' or " Bridgecrest '' EVER contacted me. Instead, XXXX XXXX called me so many times I had to block the number and personal people 's names that are not Bridgecrest. 

Any reputable company would have their name in the called I.D . calling customers. Bridgecrest, never once called me and I went over my phone records through XXXX to verifiy this. So they lied. I have evidence they lied that " Bridgecrest '' ever contacted me. 

Legally, a company can not have a personal cell phone number, they must identify themselves as the company they claim to be, which they have never done. So I want this complaint escalated that they have never called me from any " company line '' called Bridgecrest ever to this date. I banned XXXX XXXX from calling me and other fake people who pretended to be " Bridgecrest ''. I am also reporting this matter to the state of Michigan and to the federal government as this is deceptive to expect a consumer to pick up a phone number for a PERSON and not a company who is clearly identified. 

So because of this and their absolute terrible response to my initial complaint with the CFPB, I am moving forward with my complaints that they are committing fraud by not clearly calling from a company named Bridgecrest. 

It is not legal for individuals to use personal cell phone numbers to call consumers and pretend to be a company. I also am requesting formally from the government and the CFPB for Bridgcrest to idenify who " XXXX XXXX '' is and transmit that information to me and to the government and to the Consumer Financial Protection Bureau immediately as they gave my number to this person to harass me nonstop on my cell and impersonate a company called Bridgecrest. 

As of today 's date, XXXX, I have never ever been called on my cell phone by any such company called " Bridgecrest ''. I refuse to call any number they provide since the scammer " XXXX XXXX '' got my number and several other individuals who are scammers who pretend to be this company called Bridgecrest as I have no way of knowing the number is real. I demand they give me the reason why XXXX XXXX called me over and over as they failed to address this in their last reply to my CFPB complaint. WHO IS XXXX XXXX AND WHY DID BRIDGECREST GIVE HER MY PHONE NUMBER? 

Payment Due Date is Illegal Window of 0 Days! 
Also, like all car loans, you have a window to pay and I was told that. Now Bridgecrest is saying you have 0 days of leeway on your due date. Really? UNHEARD OF IN THE AUTOFINANCE INDUSTRY unless you are shady. When I had a loan through XXXX XXXX I had a two week window to pay. Why is this company doing this? People 's paychecks do not always come easily to align with due dates and as a XXXX  I get paid twice a month, so can not help it is my payday does not align with the due date EXACTLY so this is not legal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation