Consumer complaint received 2019-01-30
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My last complaint was closed because it was determined it was a duplicate complaint which isn't true. Look at my prior complaints to both Companies Bridgecrest Credit Company and XXXX XXXX. Through misleading tactics from both companies I have been misled and has suffered from mistakes from both companies. To recap I bought a vehicle from XXXX XXXX from there XXXX XXXX, Maryland location in XX/XX/XXXX. It was a XXXX XXXX XXXX. After a long battle of arguing with both companies it was bought back from me because of the rust and mechanical issues I was having because of Flood Damage to the vehicle before I had owned the vehcile. So after numerous days off taking the vehicle in to repair shops for opinions and getting things documented it was finally bought back from in XX/XX/XXXX. So I was told at the time unknowingly that the money I had paid into my first vehicle wouldn't count on my Credit Score and wouldn't be entitled to any of the 6 plus months of on-time payments. So when I was put into my new vehicle from this company I could only use my original down payment towards my new vehicle. At the time I was just happy I was able to get out of my current vehicle and into a lower mileage vehicle. So My interest rate was raised because of things outside of my control and was told after many discussions that Bridgecrest wasn't in charge of setting my interest rate even though they are my Finance Company but XXXX XXXX would have that ability. So my interest rate was raised and after also fighting this point it was also offered to match my original interest rate of my prior vehicle but because I was upset at the time and lost my temper, that settlement was taken off the table. I was rightfully upset and I can only apologize for my shortcomings. For this complaint I am requesting some more answers to my ongoing concerns. I have been in contact with Maryland State Police Automotive Safety Division which is in charge of Maryland State Inspection Inspectors and Guidelines. Too much time has passed since getting my original vehicle so they cant investigate the issue of how my original vehicle ever passed inspection. The first thing I would like if it would be possible to see what happened to that vehicle after I had returned it to XXXX XXXX. I your companies cant help me to with this I will be forced to take legal action and research it myself to make sure someone else didn't get into this unsafe vehicle. I was told verbally without knowing and signed documentation that gave top my ability or to have been made aware that all of my payments form my prior vehicle was not entitled to me as well as the 6 months of on-time payments which is unfair twice so it is like nothing ever happened fro the 6 plus months that I was in my XXXX XXXX XXXX. That is my main complaint of why just because I was in the vehicle the money was paid for the time of use of a vehicle that wasn't in my opinion uo ti par for sale to the general public so both companies made that money without any repercussions for saying a vehicle that should have been sold to the vernal public to begin with. It is common sense to me to at least give that money back to put towards my new vehicle that I had gotten but we are passed that now and will not quit filing complaints until I get at least some of my money back I had paid into my other vehicle. I believe I should be entitled to because of my pain and frustration while dealing with my prior vehicle. I am being punished for owning a vehicle that shouldn't have been sold to the general public. Also I need some more answers. I am requesting the process from start to finish on how vehicles are sold from these companies because I believe there has been more mistakes made that helps convince my case. From getting approved online for a vehicle and when entering the dealership acquiring finance for set vehicle. Like I said XXXX is in charge of setting the interest rate to Bridgecrest so I need to know why they could up my interest rate fro things outside of my control. In my eyes it is like beating a dead horse. So I am under rate influence I can throw all that money at my prior vehicle which was unsafe for sale to the General public and not to be able to retain any of my money bth payment wise and lost time from taking off to get it into a repair shop. SO I would like a detail explanation of the process even how the Salesman that took care of my situation is paid with the sale of both vehicles. So I am led to believe that he made commission both times which would be unfair in my opinion. Both companies are making out without having to sacrifice anything like I have. So free money for 6 plus months and the ability to XXXX me over a higher interest rate and keep going on as business as usual. I cant get out of this vehicle because of how much I owe so I'm between a rock and a hard place. I'm at the point my credit isn't getting any better too not fast of my own so what if let these companies repo my vehicle because I'm at the point when is enough, enough? I have nothing to show for the past year of on time payments and instead of paying these companies and not getting anything I'd rather just take the hit that I'm already taking and be un burdened with having to pay a company that hasn't had my best interests in mind form the start. Im tired of arguing my points and paying into a system that is rigged to hurt people in my situation with horrible credit. Im not use with he interest level but jus the increase that was made because of no wrong doing on my part. One the life of the loan ( s ) the higher interest rate would amount to over {$600.00} in extra money because of the error made by both companies. I would have to check but If I was to go rob a back anything over {$500.00} would be a felony. That is what is happening to me. It is theft. So I would be held responsible these companies should be held responsible. I have copied this complaint and as you are getting this I have forward this to the Maryland Attorney General 's office as well as the Maryland State Police Automotive Safety Unit to investigate both companies in the Sate of Maryland because it is my belief I can't be the only one this has happened too. So I might not be able to have my original vehicle investigated but I believe I have enough evidence for the State to investigate any of there companies inspections of other vehicles to show that there is a pattern of wrongdoing and should have set companies be held responsible for saying sub par vehicles to the General Public.

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