Consumer complaint received 2021-08-10
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
To whom it may concern, In XXXX of XXXX, I purchased a used car against my better judgment. I am an unmarried military widow and I was a new resident of a new state and I was struggling to get situated. We went to a XXXX dealer who sold us a XXXX XXXX. I bought the car and the down payment was low, the paperwork implied that the car was in decent shape, The low down payment that we paid was increased by {$1000.00} 4 months after we had the vehicle in our possession. A call from an account manager. Announcing that we did not satisfy the proper down payment and they discovered the administrative error, and I was made to pay the {$1000.00}. I asked for a grace period for my impending monthly payment. I was denied. they blew me off with something about 'contractual obligation '' An alleged senior manager from the XXXX location where I purchased the vehicle. Told me to contact JAG or whomever I wanted. I had to pay the money or return my vehicle, IT was the law. 

I am a military widow and a single parent. At that time I was afraid of not being able to provide for my senior parent and daughter in a new state. I paid the XXXX extra and yes it was a hardship. I have never had interactions with BRIDGECREST Acceptance corporation that resulted in a solution for the account issues I begin to notice excessive fees, harassing collections calls, and emails. aggressive collection behaviors, I spent a great deal of time disputing excessive credit reporting on my credit report. If a dispute is in error and retracted, the damage is already done to the consumer 's account I have asked to return the vehicle they have assured me that would cause me more damage, credit-wise. I also noticed that when the account was current I still received many calls. 'Reminders that my BRIDGECREST bill was soon due. I am drowning and they are excessive with their collection practices. As a consumer, I am being financially drained and my credit is trashed.. I did some research and found out that Bridgecrest acceptance Corporation is in violation of the USC 15 congressional codes and the fair credit reporting act laws that are put in place to protect the consumer. Via registered mail I have sent over a packet with a notarized Cease and Desist letter, an affidavit, and supporting documents to prove violations. I hope your agency can provide the support I need. Bridgecrest has received my communication. As of XX/XX/XXXX. They have elected to ignore my notarized " Cease and Desist '' and all other legal documents included in the packet, they reported me to the credit bureau as 60 days late causing another plummet in my score .which violates my request in Cease and Desist document. according to XXXX. My case is not an isolated incident they have many similar complaints regarding contracts and collection practices. 
attached is a copy of the info I sent certified mail to BridgeCrest Acceptance Corporation, in an effort to support my claim Thank You

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