Consumer complaint received 2019-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX, after test driving, examining, and the assurance by the dealership that all of their vehicles were thoroughly inspected prior to sell, I purchased a XXXX XXXX XXXX ( XXXX/mi ) from the XXXX listed above along with a 30-day warranty by the dealership and a 5 year/50,000 mile warranty plan from XXXX , paid monthly, which I was told was an excellent plan in the unlikely event that certain vehicle components failed within a certain timeframe. Unfortunately, after researching this company, had I been warned of the owners felony history and unsavory practices and transaction, I would never have done business with XXXX XXXX XXXX , XXXX. 
After only six ( 6 ) days from purchase the vehicle began to make noises and the dreaded yellow engine light on the instrument panel came on. I contacted the dealership immediately and was directed to take it to XXXX where the vehicle was assessed as having NO oil. I had been driving my family around in this vehicle unaware that it had no oil which probably caused engine problems that have resulted in my present serious and critical problem with the vehicles engine. After having the vehicle assessed at XXXX I assumed that all was well. This, again, was a major mistake. Two months later the vehicle began to make an even louder noise, but this time it cut off several times in the middle of traffic while driving my XXXX, XXXX, and XXXX-year-old to school and daycare. I had to call out of work that day in order to get this situation resolved and after much back and forth between the dealership and the warranty company, I was responsible for paying to have it towed to the dealership, as directed by XXXX. Once at the dealership ( XXXX XXXX ), after both XXXX and I getting continuous runaround by XXXX, XXXX diagnosed the problem as metal shavings which clogged a critical component in the engine which they cleared. Because these were metal shavings, without further assessment, which XXXX denied, the problems could reoccur. This means that wherever these shavings came from not only will they continue to clog the engine, but that component will fail as well sometime soon. I am paying a steep amount for a vehicle that puts my children and I in physical danger and has me in fear of driving the vehicle at all. It is unfortunate that I have only received the run-around for the past five days between speaking with XXXX who referred me to XXXX ( and back and forth between the two ) continually. It is even more unfortunate that after being proactive in calling Bridgecrest to make payment arrangement ( because I could not afford to continue making on-time payments after paying for towing and transportation rentals ), Bridgecrest not only denied my request for payment arrangements, they also assessed overdraft and late fees. I have explained the situation repeatedly, been charged personally with having the vehicle towed to the dealership, am paying continuously for XXXX and XXXX transportation to and from work and picking up my children, borrowed my mothers vehicle ( also from XXXX ), etc., all of which has taken up a lot of time, caused undue uncertainty, and unnecessary inconveniences for my family and me, in addition to paying for a vehicle and a warranty for a car I can not use. I was warned that if I attempted to bring the vehicle back or decide not to pay my monthly bill of {$430.00} to Bridgecrest, it would be considered a voluntary repossession with additional charges assessed accordingly. The stress and frustration caused by this situation has been astronomical and I would like it resolved immediately so that I can get back to the daily activities of a working single parent.

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