Consumer complaint received 2016-11-16
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The creditor fails to provide the legal notice, breaches the peace, or violates any other law related to repossession then a wrongful repossession has occurred. Within 120 days of the Effective Date, not call a particular phone number related to an account if any person has requested, orally or in writing, that XXXX BridgeCrest stop calling such number or has stated, orally or in writing, that the consumer that XXXX BridgeCrest is trying to contact can not be reached at that number ; Must not communicate with any person including references. Requested to do so by the person after the account has become delinquent or XXXX BridgeCrest reasonably believes that the earlier response of such person is erroneous or incomplete and such person now has correct or complete location information ; and XXXX BridgeCrest has not had contact ( meaning outbound call with right party contact or inbound call, email, or letter ) with the consumer in 30days or more. Must not communicate with third parties, including references, after the third parties have requested, orally or in writing, that XXXX BridgeCrest not communicate with them must take the following affirmative actions within the time periods provided : Within 30 days of the Effective Date, not adopt and implement reasonable policies and procedures to prevent communications that would be violation damages to the accountholders. Must not communicate with consumers at their workplaces if consumers have requested that XXXX BridgeCrest not communicate with them at their workplaces fully aware XXXX BridgeCrest knows that the consumers ' employers prohibit communications to their workplaces XXXX of FL adhere no personal use company 's property business lines, fax, copier, email and computer system etc.. The written consumer information furnishing policies and procedures that Furnisher Rule in compliance effective date cease furnishing information related to a voluntary or involuntary repossession verified the information is falsehood written that must be permanently block the refurnishing of the inaccurate information the accountholder motion name XXXX instance that Motion Consent Order requires the Board to ensure adherence to, or undertake to perform, certain obligations of XXXX BridgeCrest, the Board must : a. Authorize whatever actions are necessary for XXXX BridgeCrest to fully comply Motion with the Consent Order ; Require timely reporting by management to the Board on the status of compliance obligations ; Require timely and appropriate corrective action to remedy any material non-compliance with any Board directives related to this Section the act of wrongful repossession, property damages my property was harmed, stolen end up missing during the repossession, and consequential damages the repossession hurt your credit rating and has impacted my ability to keep my job majority required you must have reliable transportation not public transportation means of traveling and more. Left myself self with our support of living to buy food and more. They refuse to accept my emails that are legal form of contact in writing my statements to communicate in writing. ASK ME!

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