Consumer complaint received 2018-12-29
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Good afternoon, I believe I have all of my issues correctly documented. Going forward since obviously can't beat a dead horse anymore I have come up on a year of dealing with these issues and wish for something in writing stating what XXXX/Bridgecrest has done for me in the past year after dealing with issues form my first vehicle being bought back to getting a higher interest rate on new vehicle because of no fault of my own other than buying a vehicle from XXXX that shouldn't have been sold to the general public to begin with. It has been too long for me too file a claim with Maryland State Police Automotive Safety Divison to have them investigate the Maryland State Inspector that passed my previous car. So what I'm to do. The settlement was taken off the table after I voiced my opinion on how horrible set companies were on dealing with my issues and making things right. I do apologize to a point but got to look at it from my side of things everything has been set up to cover the dealership and/or company which I cant complain about that is business but I have not gotten anything in return other than heartache trying to get things offered to me from both companies. Biggest waste of time was no one relying the information to me who was actually responsible for setting my new interest rate until it was too late. Also after being offered a reimbursement check for some things which I wasn't entitled too but tried to make me happy with my situation. It was delivered late in response so I would have to make a mother payment before I was to get set check before leaving to go out of town on business after giving both companies more than enough time get it to me before I left. That clear disregard caused me to question to keep fighting the issue and that was when I sent some nasty emails and correspondence at which time the settlement was taken off the table. Your companies hasn't done anything in my view to help me move rthis past year other than cover your XXXX. Part of the settlement would be to quit fighting these issues and would going forward not be able to bring anything up. Made all of my payments on time with a company that is suppose to help customers rebuild their credit. There simplest answer which is a escape goat was they have no control on how the credit bureaus report the info they give to them and I get that but at the time of signing for new vehicle it should have at least me given the same interest rate not higher. Worst business ethics ever in my opinion and would recommend anyone to use these companies and would rather looking back rely on public transportation than with these companies. Setting the high interest rate Im not upset with but to be backed into a corner to where I cant get out of this vehicle with out taking no hit at all is unacceptable. No one would take it as a trade in because of the terms of the loan. How can you as company do this? In writing what your company 's have plans to make me happy or at least a summary of what exactly has been done in my favor of the past year. Which is nothing in my opinion other than screwing my credit up and getting me into the situation that I cant get out of this vehicle without taking serious hits to me to my credit.

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