Consumer complaint received 2019-01-29
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XX/XX/XXXX, I received a modification of terms. In XX/XX/XXXX, I received another one. In XXXX, I've worked extra hard to honor my agreement with Bridgecrest. I event went back to working a XXXX job as a teacher XX/XX/XXXX. Since XXXX began, here are the amounts paid for the year based upon clearing my bank account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX At the end of XXXX, I inquired about another extension, as I could prove that I started the new job with a more consistent salary to help catch up, but I wouldnt receive my first paycheck until XX/XX/XXXX. Nevertheless, I worked my XXXX business and XXXX XXXX day and night to generate the income to make up the payments, as the collections rep was really nice about helping me. When I last paid Bridgecrest on XX/XX/XXXX {$460.00}, the rep asked me about the next payment. My response is and has always been " I make a payment by the end of the month '', which I've been doing since my finances became time in XXXX. I even paid extra. On XX/XX/XXXX, I receive a credit alert from XXXX   XXXX saying " Improved Account BRIDGECREST FORMERLY XXXX XX/XX/XXXX from XXXX ''. Maybe that is what prevented me from proactively reaching out to Bridgecrest again, as Im thinking the extra payments are really working to catch me up. The two FULL payments in XXXX would remove 60 days of delinquency. However, after work yesterday, XX/XX/XXXX, I'm on the phone with my fiance and hear '' are they getting the car ''? The repo man was here. I'm beyond shocked. I immediately call Bridgecrest. Why is the repo man there? " You put a XXXX on the account ''. " Yes I did, but I also asked you all to contact me by mail, since you disrupt my work environment by calling multiple times a day. My track record is that I will always pay the bill. You all could have also emailed me to let me know I was out for repossession. '' Sir, we sent you a letter. " When? I havent received it yet ''. We also sent a repo notice by email. " NO sir, you did not. The last email I received from Bridgecrest was XX/XX/XXXX thanking me for my payment. I periodically got emails from Bridgecrest, including XX/XX/XXXX for address verification, and one in XX/XX/XXXX and XX/XX/XXXX, but whenever I respond, Bridgecrest reps do not reply. However, I was never notified that I was in default of the contract and repossession was imminent. Bridgecrest reps also told me that there had been calls, but NO ONE left voicemails of any kind nor is there a record of the calls, which would be a violation of the XXXX. From previous deadlines, I know that Bridgecrest will charge off the account at 120 days. As of yesterday, I was 117 days and payment was scheduled for XX/XX/XXXX, as Bridgecrest knows I get paid at the end of the month. However, to submit it for repossession is absurd. Previously, I've crossed that deadline and Bridgecrest communicated with me to resolve the delinquency crisis. However, that has not happened this time.

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