Consumer complaint received 2024-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
This serves as a formal complaint against BRIDGECREST ACCEPTANCE CORPORATION. BRIDGECREST ACCEPTANCE CORPORATION has illegally charged fees to my account. On XX/XX/2024, I scheduled a one-time payment for my car note payment. Details regarding my scheduled payment is Amount to be withdrawn : $ XXXX Bank account ending in : XXXX Account number : XXXX Confirmation number : XXXX Withdrawal date : XX/XX/2024. On XX/XX/2024, I checked my bank account, which is through Bank XXXX XXXX, Account ending in XXXX, I saw that the total amount was deducted into my account and the transaction read the transaction was processing with BRIDGECREST ACCEPTANCE CORPORATION. I logged into my portal with BRIDGECREST ACCEPTANCE CORPORATION, I saw that the payment posted and that I was illegally charged a NSF in the amount of {$15.00} that was included into my payment. I called BRIDGECREST ACCEPTANCE CORPORATIONs customer service line ( ( XXXX ) XXXX ) at XXXX XXXX. I spoke to a representative who stated that my payment was returned on XX/XX/2024. I scheduled and made a payment on XX/XX/2024. I explained to the representative that the money was taken out of my account and there was no payment returned from XXXX  XXXX XXXX and that the transaction was removed from the balance in the overnight processing which takes XXXX hours. I explained to the representative that this has happened back in XXXX, and I had t file a complaint then. I explained that a Bridgecrest representative reached out to me after my complaint and explained that the there was glitch with their system, and this should not happen again. The customer service could not offer much assistance. 
I recently filed a complaint on XX/XX/2024, regarding BRIDGECREST ACCEPTANCE CORPORATION illegally charging fees to my account. Complaint Number XXXX. I am filing another complaint on XX/XX/2024, because BRIDGECREST ACCEPTANCE CORPORATION once again have engaged in false, deceptive, unfair, and abusive practices in violation of several federal and state laws. Once again, XXXX  XXXX XXXX through the banking app verified that there was no returned payment, and that the transaction was removed from the balance in the overnight processing which takes XXXX hours. A few months later, I was charged another fee illegally. 
My claims against BRIDGECREST ACCEPTANCE CORPORATION are as follows : - BRIDGECREST ACCEPTANCE CORPORATION falsely claimed that the scheduled payment in the amount of {$600.00} from my checking account was returned from my bank due to insufficient funds. This is a false and misleading representation in violation of 15 U.S.C. 1692e of the FDCPA. 
- BRIDGECREST ACCEPTANCE CORPORATION failed to conduct a reasonable investigation into the previous issue of systemic error that had occurred in XXXX. As the same issue occurred XXXX. 
Exhibits Attached Are Exhibit 1 : Scheduled Detailed Payment with BRIDGECREST ACCEPTANCE CORPORATION Exhibit 2 : Pending Transaction reflecting on my banking App as of XX/XX/2024 XXXX XXXX  Exhibit XXXX : XXXX  XXXX XXXX XXXX Transaction Process/Procedure Exhibit 4 : Detailed XXXX  on my BRIDGECREST ACCEPTANCE CORPORATION Account If this problem continues to exist, I will have no choice but to pursue other legal remedies, including federal court litigation. 
Thank you for your prompt attention!

Company response to consumer: Closed with explanation