Bridgecrest Acceptance Corporation Consumer Loan Complaint

Bridgecrest Acceptance Corporation Consumer Loan department,

Vehicle loan Managing the loan or lease California

I purchased a 2007 - - nearly 4 years ago for $10000.00 with $ - down. My payments are $340.00 per month. I just called to see what my payoff was and they told me it was nearly $14000.00 This seems like unfair lending practice. How can I have paid on a used car this long an owe more than I purchased the car for. What are my options in getting out of this without messing up my credit? Thank you!