Consumer complaint received 2021-06-01
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
An employee at Bridgecrest Credit Company deleted my credit information from all three credit bureaus it wasn't until I ran my credit report that this was found out. I contacted the XXXX XXXX XXXX and XXXX from Bridgecrest called me on XXXX informed me that she was responding to my complaint that received from the XXXX XXXX XXXX and had to reach out to me to ask some general questions hear my side of it and do some investigating into what happened. Then stated she could see where someone had deleted my account information and that they shouldn't have she told me she had to do a little more investigating because I filed a complaint with the XXXX XXXX XXXX  but I more than likely would not be responsible for paying for what was left on my car after the auction because someone had deleted the account information from the system and that it should not have been removed. XXXX said she would contact me in a couple of days with the results I did not hear from her I instead received an email from someone by the name of XXXX XXXX who also stated that they reviewed my account and their records indicate it all information previously reported by Bridgecrest Credit Agencies. Also that they would not report any additional information regarding my account to the agencies which is probably because it's been deleted so there's no way they can. I called Bridgecrest to get a better understanding of what this letter meant and spoke to a lady at Bridgecrest who then connected me to XXXX who today XXXX attemped to tell me that it is the policy of Bridgecrest that whenever someone files a reaffirmation in a bankruptcy they delete their credit information from the system. I responded to her by letting her know that that was not what she told me last week and if she remembered that she told me my information should not have been deleted from the system and if this was the department she worked in why she was not aware of this policy if it's the normal policy and procedure to refuse to answer she just continue to say I will be responsible to pay what was left after the auction I've been informed her that does not sound right or Fair because since you deleted my account information you can't even see what my initial loan amount was and I don't have the paperwork anymore so it will be very easy for them to say I owe them whatever amount they choose which I don't think it's fair legal and I am not going to just accept. XXXX then went on to tell me that there was a lot of discrepancies in my initial complaint that XXXX  and XXXX pull up different car histories and that I was given a history on my car stating my car had had four owners I informed her that is not what was told to me she said well I have a paper in front of me that you signed, I informed her I don't trust XXXX XXXX nor do I now trust Bridgecrest so I don't care what she has in front of her I know what was told to me and I also had my fiance with me and he also heard the gentleman say my car had one owner had never been in an accident and never left the city of XXXX that it was used as a rental car which is one of the reasons why I was more interested in the car. The car started having transmission issues after not even driving the car for 6 months which also leads me to believe that XXXX XXXX selling flood cars and they had to know that the transmission had issues. Now that someone has illegally deleted my loan information from the system and deleted it out of all three credit bureaus none of my payment history shows up which does not help my credit score all of my information is just gone and now Bridgecrest is still trying to get ahead by charging me what they claim they're not getting from a car that they erased the account information from. I feel this was done maliciously because they saw I was filing bankruptcy and didn't want me to be able to put my loan on my bankruptcy. I was brushed off by XXXX as if she was just saying oh well now there's nothing they can do. Your company went back and deleted financial records which can't be legal. I do not feel I should be responsible for paying what Bridgecrest says is left after the auction of the XXXX  XXXX XXXX  due to my account information being deleted by someone who os employeed with their company. This is unfair and a terrible thong to do to Consumers and then want to force payment on an acount that no longer exists.

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