Bridgecrest Acceptance Corporation Consumer Loan Complaint

Bridgecrest Acceptance Corporation Consumer Loan department,

Vehicle loan Managing the loan or lease Arizona

History of account : I am a co-signer on - - - auto loan for my husband, - who is an immigrant from - trying to establish his credit. We have had this loan for over 4 years and NEVER had a reported late. In appx - - actually had a corporate wide credit reporting issue and for 7 months had to pull ALL their reporting from the bureau while fixing it. This resulted in us losing an established credit account from our files ; significantly dropping our credit scores during that time and forcing us into sub prime lending. The histories were added back to the bureau, it increased our score but no renumeration was given for the higher rates of interest we had to pay on new accounts established during that time. We had been using their only auto pay option though - -. Current issue : In -, - - sent me an alert that a company called Bridgecrest ( whom at this stage I had never heard of ) placed a - late on our credit file. I called to find out who the company was and was told they bought out


informed me that the issue lay solely with Bridgecrest and refused issue an email stating that - had acted in error. I was only directed back to Bridgecrest who continue to this day to disavow any responsibility with their - party provider ( they now provide their own auto pay internally ). We immediately caught up the late pay plus the current bill and set a new auto pay with Bridgecrest themselves. After a great deal of being pushed back and forth, I gave up for awhile. That is until the - credit report came out and I saw it dropped our scores by - points. We are closing a new home on - - and this has put us into a much higher interest rate for the new home we are currently buying. It will cost us an added $270.00 a month! I called Bridgecrest back again to plea bargain for a courtesy removal of the late reporting under the justification that it was a shared responsibility. Same scripted response. I politely told the rep that I would be forced to involve the CFPB. It was ignored. She claimed there had been - calls made. I told her it never happened and asked to have a recording of any calls they supposedly tried to make to me or any letters showing that - or Bridgecrest had ever sent us a letter of introduction to Bridgecrest. At this stage she became politely frustrated and transferred me to a supervisor named -. - listened sympathetically, looked at the phone log and informed me that one of the numbers they had been calling was a bad number. The other number they had was mine. She said they have no ability to pull a record only to see a call log. I asked if they would have identified who they were when calling. She said they would likely only say : '' This is Bridgecrest and we would like to speak to - - ''. I have no recollection of ever receiving a call nor did they call from any of the - - numbers saved in my phone. However, they are still working numbers that go directly to Bridgecrest. My point being it was an unrecognizable company and phone number. If I did n't know who Bridgecrest was, I would have assumed they were sales people and blocked them. She also did n't seem to know who CFPB was. She gave me her extension and suggested I call - - again and try to get them to send an email stating it was their fault ... which brings me - degrees back to where I started.