Consumer complaint received 2018-07-31
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Filing yet another complaint can only try to see have it explained and documented on how Bridgecrest and XXXX have done and will continue to do shady business deals while taking advantage of people like me in my situation with horrible credit. Thinking because I have horrible credit I will not fight the issues involved. My prior complaint they apologized for me not getting my reimbursement check in timely matter like promised I ', m over that just want to make it clear it wasn't sent in a timely matter because I believe they wanted me to make the first mistake and not make payment on time or do something that I believe that will help their case if we are to ever take this to court. I have done everything that has been asked even though I believe I'm in my right not to. But why would I hurt my already horrible credit score and end up hurting myself and getting my vehicle taken form me. They were advertised as a company to help people like myself in my situation with horrible credit, build it up and be able to get into a vehicle when no one else would. I do commend them for that but not at this price. Im doing everything right making payments on time even though I have been heated a number of times and after calming down realize why should I help their cause. It is my belief they delayed my reimbursement check until after I had too make a payment to see if I was bluffing about not paying them. In previous emails I have recently sent to them I have no issue filing complaints until I'm blue in the face. I have been wronged and want things adjusted. What is the hold up they were fined by you for doing almost the exact same thing a few years ago and obviously haven't learned. What have I done to warrant this kind of treatment. I can see if I wasn't paying them but I am and every time I get a response from them it is worded very well that I have nothing to say but ok. In the State of Maryland a verb agreement over {$500.00} has to be in writing according to my research and feel that I am owed those payments back. But looks past that maybe I'm wrong that can happen. In their own words stated numerous of times that they went against company policy and reminded my contract which I'm also thanking them for and those payments aren't refundable because it was time that I was in the vehicle I had driven. Ok so by saying that in my eyes correct me if Im wrong, it is company policy to sell sub standard vehicles to people in my position with horrible credit and no money so they cant fight back and take them to court. The only reason it took so long to get out of the vehicle was because their process was very long to get things documented so that being said if they cant give me all of my payments back should at least in my opinion pro rate part of my payments back. I didn't sell myself a sub standard vehicle they did. Seems like I'm getting punished with all of the repocussions and they are carrying on business as usual with nothing stopping them form doing this to other customers. It will be a cold day in XXXX before I stop with these complaints and have nothing better to do then be thorn in their side until something is done to prevent this from happening to other customers. I pay my payments on time so Im not doing anything that would put me in breach of contract so I'll keep doing what I have to do until I either get something done so no one has to go through this like I have or I guess they find some other loophole they have that Im unaware of to get me from stop filing these complaints. I'm not doing anything illegal or am not threatening anyone so I can keep filing complaints and being a XXXX XXXX XXXX XXXX XXXX until I'm blue I the face and they cant stop me as log as I'm making payments onetime and for the correct amount. All nice on paper how they answered my concerns but got look through the blurred lines and actions taken by them have only helped them and not me the customer in good standing. Also they have given me documentation showing when signing for new vehicle my other was on my credit report so it was used to give me new interest rate. WHY DIDNT IT GO DOWN if it wasn't enough time reported that fine but need a better explanation at this point we are beyond being subtle.

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