Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Kentucky in which I got financing XXXX XXXX time amount financed was {$17000.00} total of payments was {$29000.00}. Payment ending maturity date XX/XX/XXXX. 
I made payments all the way up to XX/XX/XXXX according to their transaction history I paid a total of {$29000.00} per my bank account and statements I paid a total of {$29000.00}. At one point they informed me I had modified my agreement five times to add XXXX payments each time totaling XXXX to the end of my payment contract which does not XXXX anything in this modification about a difference in payment just a different maturity date my new maturity date on the last modification agreement says XX/XX/XXXX. 
According to Bridgecrest not drive time Bridge rest is who I pay the payments to apparently I modified this agreement five times I requested the documents they sent me the five documents with the first maturity date changing to XX/XX/XXXX the second one the maturity date XX/XX/XXXX the third XXXX XX/XX/XXXX And the fourth XXXX new maturity date XX/XX/XXXX so there wasn't XXXX times there was only XXXX. With my new maturity date XXXX of XXXX I continue to make payments all the way up XX/XX/XXXX in which I was told on the phone of my maturity date at that time was XXXX of XXXX not XXXX XXXX of XXXX therefore I kept paying until XXXX. After XXXX I did not hear from Bridgecrest I started waiting on my title I called they informed me I owe {$7100.00} due to the extensions the XXXX they claim I got but they only sent me XXXX when I tried to dispute this they told me they were going to repo my car if I didn't pay it I told them then they're going to have to repo it did not hear from Bridgecrest for a while a long time they started calling again saying I owed this money I decided to file bankruptcy on the vehicle after discussing it with individuals I decided to dismiss the bankruptcy because I don't feel I owe this money the contract was paid I don't know where they're getting this balance from why they never repoed it since XXXX if I owed this why they never sent me a letter collected. I called them today and they told me they're not coming after my car it's not worth it and then I'm pretty much stuff with my car with no title for the rest of my life. A family member has also purchased a vehicle from the same company she paid her car off bridge Crest sent her the title with no lean she did not hear from them 6 months later she's getting the garnishment saying that she owes money for where she was 5 days late XXXX or XXXX years ago without any kind of notification. Not only do I feel they're scamming me they also charged me {$3.00} every time I made a payment. My understanding when I signed that loan contract for {$29.00}, XXXX. Total old my car was paid off cuz I have paid that amount regardless of where they put that money at because according to their transaction history it makes no sense where they put {$33.00} here 's {$130.00} here different amounts in different places the bottom line is I have paid over {$29000.00} for this car and now they're telling me I'm stuck with it with no title for the rest of my life unless I pay that {$7100.00} after doing multiple research I have found many numerous complaints of people having the same problem I'm having with the same company multiple civil action suits multiple XXXX  complaints. I'm not going to say I didn't get rude with them on the phone because I did but they've also gotten rude with me and threatened me as the gentleman today informed me since I have so many attorney friends maybe I should call one of them to have them explain it to me I don't understand how someone can come after you for {$7000.00} more than what your contract says. also I was recently informed in the state of Kentucky I should have my title with the XXXX XXXX 's name on it when I purchase a vehicle I have never got a title when I advise the gentleman on the phone about that today he said call the XXXX and get your title but our name is going to be on it

Company response to consumer: Closed with explanation