Bridge crest is the financial branch of Carvana. When I tried to make my first payment, they refused to allow me to make a payment VIA my credit card and tried to force me into auto pay. I refused. They also tried to get me to pay VIA a debit card. I do not own a debit card. Then they wanted me to drive 34 miles to the nearest Walmart and make my payment there. I refused. I mailed them a check on 27 November (the day that I contacted Carvana trying to make my first payment and they transferred me to Bridge crest). Bridge crest harassed me everyday frm 28 November through 9 December asking where the payment was after I told them that I had mailed it on 27 November 23). I found out today that Bridge crest actually cashed and posted my payment on 7 December 23. They called me on 8 December and 3 times on 9 December AFTER they had cashed and posted my payment on 7 December. I requested a monthly financial statement from Bridge crest and they REFUSE to give me a monthly financial statement. I was told the only way that I could get a financial statement was to telephone Bridge crest each month (you are on hold for 45 minutes to an hour and then you are transferred to 2 or 3 different people and each time you must give all of your personal information). It takes between 1 hour to an hour and a half to request this. I am not wasting 1 and 1/2 hour each month to get a financial statement that Bridge crest should be providing. Bridge crest told me that they would try and ruin my excellent credit (credit score 820). If they try and mess up my credit I will sue them in a court of law. I would never recommend Bridge crest or Carvana to anyone. I am 73 years old, US Marine, RETIRED US Army and I have a flip phone that I can only make calls on and I am limited as to what I can do on a computer. Bridge crest is a TERRIBLE COMPANY and they do NOT care for their customers.
I am a legal researcher and as such dug all the way down on Carvana/bridgecrest.
Carvana Captures a block of credit for the full value of the car. You Sign a promise and they keep the credit capture and give you a repayment contract. The security Interest in the car YOU give it to Them! You can take it back.
Carvana LLC a.k.a. "sponsor" Gives your contract to:
Carvana Depositor, LLC a.k.a. "Depositor" who gives your contract to:
Carvana Auto Receivables Trust, LLC a.k.a. "Issuer" who "issues" a security in the form of an "anticipation note" and sells the note to investors for full cash value.
Bridgecrest Credit Co. a.k.a. "Servicer" only services the security, not your contract! When you create an account with bridgecrest that is what creates the obligation on the security they created. using the account obligates you to the account. here is the proof in this affidavit: https://www2.greenvillecounty.org/scjd/PublicIndex/PIImageDisplay.aspx?ctagency=23002&doctype=D&docid=1566219690922-398&HKey=1118011111771511128680991105677112120687843971151161176511089841067451121101115104114107691137189531199885&AspxAutoDetectCookieSupport=1
the obligation came through the creation of the bridgecrest account. Once your loan is paid off the will ask you to create another account to review payment history, thus a new security with the SEC, thus more obligations...
my suggestion is check your contract. If Bridgecrest is not listed as the servicer or there is no assignment agreed on the contract then do not open an account with bridgecrest. (they will use the voluntary autopay authorization form to justify bridgecrest being the servicer by this is deception as it is voluntary and you can cancel at any time.)
Send them a letter stating it was your intent to receive full cash value for the consumer credit transaction. ask for the credit capture to be returned then file a 1099 OID for the full value of the transaction. let the IRS go get the money for you. they will send you a treasury check for the loan and send the check to bridgecrest to pay it off. DO YOU RESEARCH!!! they are scamming everyone. Bridgecrest is chasing you to pay for for their obligations not yours
I got a vehicle with them and at the time was getting paid weekly so they set me up on bi-weekly payments. After a few months I changed jobs and started working for a school system which only pays monthly. I contacted Bridgecrest to get my payment frequency changed and they said they couldn't because my account was to new, it had to be at least 6 months old. This led to me being late on payments and gett late fees charged on what was already a ridiculously high interest rate (I'm paying over 250 in interest a month which is more than half of what the payment is). Once my account was old enough to get the frequency rate changed I contacted them and was told my account had to be in good standing with on time payments for the prior 3 months to have that done.
The whole reason I wanted the frequency change in the first place was to be able to not have late payments. I can't afford to pay more than what I was already paying to get ahead, it's a trap I can't dig out of. Selling the car isn't an option due to their interest rates leaving me with such a negative equity in the vehicle. They call me 6-8 times a day. I used to explain on a daily basis that I now only get paid once a month just to get a phone call from another representative and have to explain the same thing over again. I don't even answer the phone for them anymore. They are a terrible company to do business with.
I purchased a vehicle through DriveTime. My interest rate rate is over 20%. I have made ontime payments for over a year. I try to have the vehicle refinanced but the lenders tell me I have to much negative equity. The original loan amount was for 15000 now a year later we are are down to 13000 but the vehicle is only worth 6000. I feel Bridgecrest is preying on people that are less than credit worthness and sticking them with riduculous terms therefore enslaving them with insurmountable debt.
I purchased my Chevrolet Malibu September 9th 2017. A week later my check engine light came on. I said ok warranty (30) day warranty they checked it out got it back (3) days later check engine light back on. The car was sold to me with me being told it was in excellent condition. No no even close and it went from 10,000 to 14,000 % my butt.
This company is horrible, I swear when I call it's the same person every time. They don't try to help you they don't have any options even when you make all you payments on time. This was the worst mistake of my life! Praying to get my car refinanced and be done with them!
WELLLLLL after my father paid for it for almost 6 months he said he no longer wanted the vehicle because the interest rate was to high and THEY ROBBED ME and I agree so now the vehicle is sitting on my credit and my fathers WHICH IS ABSOLUTELY WRONG! Why couldn't they take my name off the loan my father agreed that he would take over the loan CAN I GET SOME HELP OR ADVICE FROM SOMEONE PROFESSIONALLY PLEASE HELP !! AND TO THE WORLD*
1/2017 Normal Payment $4.96 1/21/2017 NSF Fee Paid $15.00 1/21/2017 Down Payment $176.52 1/9/2017 Normal Payment $196.48 12/30/2016 Normal Payment $196.48 12/11/2016 Normal Payment $73.00 12/11/2016 Down Payment $123.48 12/5/2016 Extension $0.00 12/5/2016 Extension $0.00 12/5/2016 Extension $0.00 12/5/2016 Extension $0.00 11/26/2016 Normal Payment $196.48 11/20/2016 Normal Payment $96.48 11/12/2016 Normal Payment $100.00 10/31/2016 Normal Payment $196.48 10/15/2016 Normal Payment $196.48 10/1/2016 Normal Payment $196.48 9/28/2016 NSF Fee Assessment $-15.00 9/28/2016 Payment Reversal $-196.49 9/24/2016 Normal Payment $196.49 9/16/2016 Normal Payment $392.92 9/1/2016 Normal Payment $196.48 8/21/2016 Late Fee Assessment $-5.00 7/29/2016 Normal Payment $320.00 7/15/2016 Normal Payment $196.48 6/26/2016 Late Fee Assessment $-5.00 6/4/2016 Normal Payment $196.48 5/21/2016 Normal Payment $196.48 5/15/2016 Late Fee Assessment $-5.00 4/25/2016 Normal Payment $92.96 4/25/2016 Principal Only Payment $209.30 4/22/2016 Normal Payment $196.48 4/22/2016 Payment Reversal $-196.48 4/20/2016 Normal Payment $196.48 4/20/2016 Payment Reversal $-196.48 4/2/2016 Normal Payment $196.48 4/22/2016 Normal Payment $196.48 4/22/2016 Payment Reversal $-196.48 4/20/2016 Normal Payment $196.48 4/20/2016 Payment Reversal $-196.48 3/22/2016 Normal Payment $196.48 3/20/2016 Late Fee Assessment $-5.00 3/10/2016 Payment Reversal $-695.00 3/2/2016 Principal Only Payment $695.00 4/22/2016 Principal Only Payment $695.00 4/22/2016 Payment Reversal $-695.00 4/20/2016 Principal Only Payment $695.00 4/20/2016 Payment Reversal $-695.00 3/17/2016 Principal Only Payment $695.00 4/22/2016 Payment Reversal $-209.30 4/20/2016 Principal Only Payment $209.30 4/22/2016 Down Payment Reversal $-300.00 2/13/2016 Down Payment $300.00 4/22/2016 Late Fee Waived $5.00
A neuroscientist couldn't explain this. I've had payments changed from payments to down paymwnts, I get late fees for no reason, nsf fee for no reason, my initial down payment was reversed several times its been such a heart pain. I feel mentally anguished. I cry and cry. I don't get any answers. No one will help. I told them today I was going to look for an attorney who might be able to figure it all out. I have no money to pay but pray someone willhelp
Put $2,500 cash down for a 2008 Mazda Tribute with ~99,000 miles. After 2 years of paying $9,000 on-time I still owe over $12,000. That is nearly $25,000 on a car that is worth $3,000 at most.
Sure, my credit score has gone up a *few* points, but at what cost? In retrospect, I should have paid off the $5,000 I had in debt that made my credit score so weak in the first place. My score would have went up more than DriveTime helped me with and I wouldn't have negative equity and be upside down in a car loan. Still owing $12,000 on a car that is work $3,000 is absolutelty ridiculous and should be illegal.
But I did sign the paperwork, so I suppose I'll just let them suck me dry until we find another option.
If anyone out there is looking for a class action lawsuit, I'm in.
Let me tell you, I financed a vehicle from GO FINANCIAL who either sold my loan to BRIDGECREST loan servicing or maybe it's their sister company. Anyway, they are doing something very illegal with my vehicle title and registration. I've contacted my local DMV and they told me that unless they place the title and registration in my name that I can't legally drive the vehicle. Well, it has been 3 months and they still have the vehicle titled and registered in a totally different state, yet I have the vehicle and still pay a car note. I can't even get my car registered, inspected or insured!!! 3 FREAKING MONTHS and this still hasn't been done. They lie and say that they're sending the docs to my local notary but they never do. I've even been pulled over by the police and almost got my vehicle taken because these guys have the paperwork screwed up!!! It doesn't take a rocket science to know that the vehicle that you finance must be able to be driven by the consumer legally after it's purchased. I'm not letting them get away with this l, trust me, this is just the beginning. I've been extremely patient and in communication with this company but clearly they've been taking advantage of me for too long. STEER CLEAR OF THESE CROOKS, they don't care, they just want a quick buck!!! They sold me a vehicle that I can't even drive legally in my state without the proper state title and registration. I've never written a review before but this is well deserved and overdue!!!!
Where do i start? I will start by starting here: i purchased a 2009 chevy hhr from their downey, ca dealership in june 2015, i remember being told by the salesman that the vehicle was just brought to the lot from the truck. I financed the vehicle, laid down a down payment, and agreed to pay $198.54 every two weeks for a $9,995.00 vehicle, they also tack on a warranty, and charge you for putting their gps system on your car( so they can repossess it later if you fail to make payments) literally a month and a half after driving the vehicle, the front brakes completely failed to the point where a mechanic in westminster, ca at a sears, had to use an acetylene torch to remove the pads and rotors, he put them in a bag and told me i should contact the dealership because two months of driving didn't cause that kind of wear and tear, i did just that and for four months they asked me to fax over the receipt and list of repairs, back and forth i went, faxing, emailing, and calling, being palmed off one person after another and then some, only to be told "your $2,995.00 warranty" doesn't cover brakes. A few months later, in december, the throttle body asembly went out, i called aevrex, their warranty company, i was sent to an approved vendor in santa ana, ca, the mechanic called aevrex, he told me they don't cover "throttle body assembly" i was livid, i called aevrex only for them to tell me the same thing. So, i believe their warranty is an angle to tack on more money and get more money out of you, it's really not worth the paper it's written on...I told them as much and of course, they try their ole salesman tactics of trying to convince you, you need it...Hmmmm...Ok... Subsequently, just a few months into driving the vehicle, the driver side door handle came off in my hand, the cigarette lighter came completely out of its housing, passenger side window takes some doing and time to roll down, and i can't forget, the rear door doesn't lock, it didn't lock when i drove it off the lot, but they call that a "cosmetic issue" a broken lock, a faulty lock is a "security issue" anyone who cases the vehicle will be able to access it from the back, get in and take anything they want or steal the car, but somehow that was considers cosmetic ohhh but i have to call that a blessing because the one set of keys they gave me, a key fob, it stopped working, in order to open my doors or access the vehicle, i had to crawl in through the back to open the doors, i thought no big deal, i will just get a battery to get the key fob working but...There was more to it than just that, it had to be replaced and recoded and that cost me $146.00, lol! wow! but the most recent issue is an engine light is on and the electronic traction control system went out with the indicator light on, i experienced that first hand when i drove a few weeks back on a light rainy evening, going below the speed limit and the vehicle almost crashed... That's a major safety issue and problem!!!! so...Getting on with my story, i decided to make payments on my timeline, paying them at the end of the month, they should consider themselves lucky that i am paying them at all for a piece of crap lemon they sold me!!! they have no problem haranguing and harassing me for a payment, oh by the way, they will harass your friends and references also, they did mine, according to one of my good friends, they used language like, "it would be beneficial that you call us." my friend asked me, was that some sort of veiled threat? Are they going to harrass me now? So...I have been paying them every month, maybe not $198.54 every two weeks but $300 a month, and i went down to the street today where i park my vehicle...And it was gone!!! i called bridgecrest, they palmed me off on "the redemption department" i had to pay $1,175.00 to get them to start paperwork and relinquish my vehicle back to me not before giving me the number of the repo agent who has their own separate fee, i wanted to take care of that, i called the repo company based in santa ana, ca, you have to make an appointment??? So i asked, i have to wait one more day to get my vehicle out of impound so you can add another daily rate? That just made the woman on the phone very upset, "we don't do that!" so they take my vehicle, impound it...I spoke with bridgecrest redemption department, five or six different people Remember, i mentioned they palm you off) basically, the gist of it, pay a said fee so they can get paperwork started and notify the repo agent, i told the redemption department rep that i have a check i can give them over the phone but was told that that would only slow the process because they can't start relinquishing the vehicle until the payment has posted. I couldn't use my card because it's in the repossessed vehicle, so thank god for online banking, i had to transfer money between accounts to pay their fee, i was told going online would expedite the process so i did that...I called them back, they told me the payment had not posted...Asked me how i paid? I told them what i did, i said online, they said checking account, i said online, they said checking account until both the rep on the phone and i started screaming at each other, by the way i also got lectured by him about how i pay and how my car was repossessed, he said "he was standing next to the manager when she explained to me the process!" long story short, it came out of my checking account that was given to them online to make these one time monthly payments which is how i have always paid. So, i retrieved my credit card number from a business debit card to make the payment, first i transferred the money...Again...I made the payment with a rep, "he had to break them up into two payments and i had to pay 2 processing fees...Hmmmm...Ok..." lol! so, i went back and forth with their department to tell them to then reverse that first, initial payment because i wasn't going to pay them twice, "he told me to take that up with my bank!" they said there was nothing they could do. So i did just that, i called wells fargo bank, i spoke to a banker who told me they totally misinformed me, it's a process known as ach, the banker told me they had complete control to process and reverse payments since the type was ach, they proceeded to tell me if the payment does go through it would be considered fraudulent. So besides being deceitful, lying, they also commit fraud here?? I called the redemption department back one more time, i told the rep what my banker told me, the rep told me that totally wasn't true, that they have no control over it, i asked them who does? Lol! he didn't know who did, he put me on hold to talk to his manager who just reiterated to him once again, only my bank could reverse the payment, they have no control?? I said ok, my bank can't prevent or reverse something that hasn't yet gone through or posted to my account, all they can do is fix it when it occurs, if bridgecrest has no idea, it must be a third party payment processor like western union, the rep claimed once it's initiated, they don't see it, i told them my bank doesn't see it either, so who does see it? He couldn't answer my question, a third party must see it right? And the third party is not an independent body, they are paid to do business processing transactions for bridgecrest, so how can they not know about their payment processing system? Wow... I was asked why i wasn't making the payments, i explained to the rep, would you pay for a lemon? The breach of contract started before i drove it off the lot! i asked him, would you pay for a vehicle that continue to have that many problems that fast only having the vehicle in a short amount of time? I asked him, what in the hell did you sell me? All he could say was i am sorry, i understand your frustration, and for the last year or so, that's all these people have been saying! they haven't offered any help! they haven't offered to repair my vehicle! they gave me a $25 gift card i believe, and made a one time courtesy payment to my account a while back...But something is going out on this vehicle every other month or so, where does that begin to compensate me for my problems with this vehicle that they repossessed today?? Was this all just coincidence? Was the vehicle held together long enough with cheap parts and bubble gum to get me off the lot and beyond the five day grace period of returning the vehicle? Failed brakes in just two months of personal driving? Electronic throttle body assembled? A rear door that doesn't lock? They just chronologically go out one at a time? I don't buy it! i am not the idiot they take most people for, clearly there were problems with this vehicle and it wasn't inspected before it was given over to me for use and finance. But wait a minute! one of the reps on the phone today in the redemption department told me, "they have a very impressive inspection system, i have seen it myself!" so i am supposed to just take his word for it? Because he saw their inspection system and was impressed by it? A biased bridgecrest employee? Yeah! sure man! i believe you because you said the sky is falling, it must be falling! if they did inspect it then it was half a*s, or just a quick comb over, they didn't get under the hood or check the brakes, and come to think of it, if they did inspect it, they would have caught the rear door lock issue, sorry guys that's not cosmetic, it's a major security issue, man in all that impressive inspection, is it possible they overlooked it? All i keep getting is i am sorry, and that's it. The worst part is that i brought it to the attention of the attorney general for the state of california where i reside, they did some correspondence with bridgecrest, mailed these documents and told me "they considered the case closed." the investigative judicial body of my home state and that's all they could do for me?? They are about as useless as bridgecrest. Maybe that's why i didn't vote for her in this election:) please don't go to bridgecrest! they target the bad credit demographic like myselfHey we can't all be perfect), they sell crap vehicles, they palm you off, they give you the runaround, they sell you a useless warranty that covers virtually nothing! they take your money and repo your car if you can't pay, they sell you vehicles that they don't really inspect, perhaps some do get inspected and have to pass a thorough inspection process, but not mine or i wouldn't be submitting a this dealership is deceitful, dishonest, they lie, and maybe even fraudulent, who knows. Don't be a victim, please read my report, learn from this one, learn from the others not to create more victims, the victory is for bridgecrest to overhaul and change their practices or pull up stakes and get the hell out of town! this has got to stop! you know why they have been getting by with it, because they can.
Bridgecrest.com Reviews
Bridge crest is the financial branch of Carvana. When I tried to make my first payment, they refused to allow me to make a payment VIA my credit card and tried to force me into auto pay. I refused. They also tried to get me to pay VIA a debit card. I do not own a debit card. Then they wanted me to drive 34 miles to the nearest Walmart and make my payment there. I refused. I mailed them a check on 27 November (the day that I contacted Carvana trying to make my first payment and they transferred me to Bridge crest). Bridge crest harassed me everyday frm 28 November through 9 December asking where the payment was after I told them that I had mailed it on 27 November 23). I found out today that Bridge crest actually cashed and posted my payment on 7 December 23. They called me on 8 December and 3 times on 9 December AFTER they had cashed and posted my payment on 7 December. I requested a monthly financial statement from Bridge crest and they REFUSE to give me a monthly financial statement. I was told the only way that I could get a financial statement was to telephone Bridge crest each month (you are on hold for 45 minutes to an hour and then you are transferred to 2 or 3 different people and each time you must give all of your personal information). It takes between 1 hour to an hour and a half to request this. I am not wasting 1 and 1/2 hour each month to get a financial statement that Bridge crest should be providing. Bridge crest told me that they would try and ruin my excellent credit (credit score 820). If they try and mess up my credit I will sue them in a court of law. I would never recommend Bridge crest or Carvana to anyone. I am 73 years old, US Marine, RETIRED US Army and I have a flip phone that I can only make calls on and I am limited as to what I can do on a computer. Bridge crest is a TERRIBLE COMPANY and they do NOT care for their customers.
I am a legal researcher and as such dug all the way down on Carvana/bridgecrest.
Carvana Captures a block of credit for the full value of the car. You Sign a promise and they keep the credit capture and give you a repayment contract. The security Interest in the car YOU give it to Them! You can take it back.
Carvana LLC a.k.a. "sponsor" Gives your contract to:
Carvana Depositor, LLC a.k.a. "Depositor" who gives your contract to:
Carvana Auto Receivables Trust, LLC a.k.a. "Issuer" who "issues" a security in the form of an "anticipation note" and sells the note to investors for full cash value.
Bridgecrest Credit Co. a.k.a. "Servicer" only services the security, not your contract! When you create an account with bridgecrest that is what creates the obligation on the security they created. using the account obligates you to the account. here is the proof in this affidavit: https://www2.greenvillecounty.org/scjd/PublicIndex/PIImageDisplay.aspx?ctagency=23002&doctype=D&docid=1566219690922-398&HKey=1118011111771511128680991105677112120687843971151161176511089841067451121101115104114107691137189531199885&AspxAutoDetectCookieSupport=1
the obligation came through the creation of the bridgecrest account. Once your loan is paid off the will ask you to create another account to review payment history, thus a new security with the SEC, thus more obligations...
my suggestion is check your contract. If Bridgecrest is not listed as the servicer or there is no assignment agreed on the contract then do not open an account with bridgecrest. (they will use the voluntary autopay authorization form to justify bridgecrest being the servicer by this is deception as it is voluntary and you can cancel at any time.)
Send them a letter stating it was your intent to receive full cash value for the consumer credit transaction. ask for the credit capture to be returned then file a 1099 OID for the full value of the transaction. let the IRS go get the money for you. they will send you a treasury check for the loan and send the check to bridgecrest to pay it off. DO YOU RESEARCH!!! they are scamming everyone. Bridgecrest is chasing you to pay for for their obligations not yours
I got a vehicle with them and at the time was getting paid weekly so they set me up on bi-weekly payments. After a few months I changed jobs and started working for a school system which only pays monthly. I contacted Bridgecrest to get my payment frequency changed and they said they couldn't because my account was to new, it had to be at least 6 months old. This led to me being late on payments and gett late fees charged on what was already a ridiculously high interest rate (I'm paying over 250 in interest a month which is more than half of what the payment is). Once my account was old enough to get the frequency rate changed I contacted them and was told my account had to be in good standing with on time payments for the prior 3 months to have that done.
The whole reason I wanted the frequency change in the first place was to be able to not have late payments. I can't afford to pay more than what I was already paying to get ahead, it's a trap I can't dig out of. Selling the car isn't an option due to their interest rates leaving me with such a negative equity in the vehicle. They call me 6-8 times a day. I used to explain on a daily basis that I now only get paid once a month just to get a phone call from another representative and have to explain the same thing over again. I don't even answer the phone for them anymore. They are a terrible company to do business with.
I purchased a vehicle through DriveTime. My interest rate rate is over 20%. I have made ontime payments for over a year. I try to have the vehicle refinanced but the lenders tell me I have to much negative equity. The original loan amount was for 15000 now a year later we are are down to 13000 but the vehicle is only worth 6000. I feel Bridgecrest is preying on people that are less than credit worthness and sticking them with riduculous terms therefore enslaving them with insurmountable debt.
I purchased my Chevrolet Malibu September 9th 2017. A week later my check engine light came on. I said ok warranty (30) day warranty they checked it out got it back (3) days later check engine light back on. The car was sold to me with me being told it was in excellent condition. No no even close and it went from 10,000 to 14,000 % my butt.
This company is horrible, I swear when I call it's the same person every time. They don't try to help you they don't have any options even when you make all you payments on time. This was the worst mistake of my life! Praying to get my car refinanced and be done with them!
WELLLLLL after my father paid for it for almost 6 months he said he no longer wanted the vehicle because the interest rate was to high and THEY ROBBED ME and I agree so now the vehicle is sitting on my credit and my fathers WHICH IS ABSOLUTELY WRONG! Why couldn't they take my name off the loan my father agreed that he would take over the loan CAN I GET SOME HELP OR ADVICE FROM SOMEONE PROFESSIONALLY PLEASE HELP !! AND TO THE WORLD*
1/2017 Normal Payment $4.96 1/21/2017 NSF Fee Paid $15.00 1/21/2017 Down Payment $176.52 1/9/2017 Normal Payment $196.48 12/30/2016 Normal Payment $196.48 12/11/2016 Normal Payment $73.00 12/11/2016 Down Payment $123.48 12/5/2016 Extension $0.00 12/5/2016 Extension $0.00 12/5/2016 Extension $0.00 12/5/2016 Extension $0.00 11/26/2016 Normal Payment $196.48 11/20/2016 Normal Payment $96.48 11/12/2016 Normal Payment $100.00 10/31/2016 Normal Payment $196.48 10/15/2016 Normal Payment $196.48 10/1/2016 Normal Payment $196.48 9/28/2016 NSF Fee Assessment $-15.00 9/28/2016 Payment Reversal $-196.49 9/24/2016 Normal Payment $196.49 9/16/2016 Normal Payment $392.92 9/1/2016 Normal Payment $196.48 8/21/2016 Late Fee Assessment $-5.00 7/29/2016 Normal Payment $320.00 7/15/2016 Normal Payment $196.48 6/26/2016 Late Fee Assessment $-5.00 6/4/2016 Normal Payment $196.48 5/21/2016 Normal Payment $196.48 5/15/2016 Late Fee Assessment $-5.00 4/25/2016 Normal Payment $92.96 4/25/2016 Principal Only Payment $209.30 4/22/2016 Normal Payment $196.48 4/22/2016 Payment Reversal $-196.48 4/20/2016 Normal Payment $196.48 4/20/2016 Payment Reversal $-196.48 4/2/2016 Normal Payment $196.48 4/22/2016 Normal Payment $196.48 4/22/2016 Payment Reversal $-196.48 4/20/2016 Normal Payment $196.48 4/20/2016 Payment Reversal $-196.48 3/22/2016 Normal Payment $196.48 3/20/2016 Late Fee Assessment $-5.00 3/10/2016 Payment Reversal $-695.00 3/2/2016 Principal Only Payment $695.00 4/22/2016 Principal Only Payment $695.00 4/22/2016 Payment Reversal $-695.00 4/20/2016 Principal Only Payment $695.00 4/20/2016 Payment Reversal $-695.00 3/17/2016 Principal Only Payment $695.00 4/22/2016 Payment Reversal $-209.30 4/20/2016 Principal Only Payment $209.30 4/22/2016 Down Payment Reversal $-300.00 2/13/2016 Down Payment $300.00 4/22/2016 Late Fee Waived $5.00
A neuroscientist couldn't explain this. I've had payments changed from payments to down paymwnts, I get late fees for no reason, nsf fee for no reason, my initial down payment was reversed several times its been such a heart pain. I feel mentally anguished. I cry and cry. I don't get any answers. No one will help. I told them today I was going to look for an attorney who might be able to figure it all out. I have no money to pay but pray someone willhelp
Put $2,500 cash down for a 2008 Mazda Tribute with ~99,000 miles. After 2 years of paying $9,000 on-time I still owe over $12,000. That is nearly $25,000 on a car that is worth $3,000 at most.
Sure, my credit score has gone up a *few* points, but at what cost? In retrospect, I should have paid off the $5,000 I had in debt that made my credit score so weak in the first place. My score would have went up more than DriveTime helped me with and I wouldn't have negative equity and be upside down in a car loan. Still owing $12,000 on a car that is work $3,000 is absolutelty ridiculous and should be illegal.
But I did sign the paperwork, so I suppose I'll just let them suck me dry until we find another option.
If anyone out there is looking for a class action lawsuit, I'm in.
Let me tell you, I financed a vehicle from GO FINANCIAL who either sold my loan to BRIDGECREST loan servicing or maybe it's their sister company. Anyway, they are doing something very illegal with my vehicle title and registration. I've contacted my local DMV and they told me that unless they place the title and registration in my name that I can't legally drive the vehicle. Well, it has been 3 months and they still have the vehicle titled and registered in a totally different state, yet I have the vehicle and still pay a car note. I can't even get my car registered, inspected or insured!!! 3 FREAKING MONTHS and this still hasn't been done. They lie and say that they're sending the docs to my local notary but they never do. I've even been pulled over by the police and almost got my vehicle taken because these guys have the paperwork screwed up!!! It doesn't take a rocket science to know that the vehicle that you finance must be able to be driven by the consumer legally after it's purchased. I'm not letting them get away with this l, trust me, this is just the beginning. I've been extremely patient and in communication with this company but clearly they've been taking advantage of me for too long. STEER CLEAR OF THESE CROOKS, they don't care, they just want a quick buck!!! They sold me a vehicle that I can't even drive legally in my state without the proper state title and registration. I've never written a review before but this is well deserved and overdue!!!!
Where do i start? I will start by starting here: i purchased a 2009 chevy hhr from their downey, ca dealership in june 2015, i remember being told by the salesman that the vehicle was just brought to the lot from the truck. I financed the vehicle, laid down a down payment, and agreed to pay $198.54 every two weeks for a $9,995.00 vehicle, they also tack on a warranty, and charge you for putting their gps system on your car( so they can repossess it later if you fail to make payments) literally a month and a half after driving the vehicle, the front brakes completely failed to the point where a mechanic in westminster, ca at a sears, had to use an acetylene torch to remove the pads and rotors, he put them in a bag and told me i should contact the dealership because two months of driving didn't cause that kind of wear and tear, i did just that and for four months they asked me to fax over the receipt and list of repairs, back and forth i went, faxing, emailing, and calling, being palmed off one person after another and then some, only to be told "your $2,995.00 warranty" doesn't cover brakes. A few months later, in december, the throttle body asembly went out, i called aevrex, their warranty company, i was sent to an approved vendor in santa ana, ca, the mechanic called aevrex, he told me they don't cover "throttle body assembly" i was livid, i called aevrex only for them to tell me the same thing. So, i believe their warranty is an angle to tack on more money and get more money out of you, it's really not worth the paper it's written on...I told them as much and of course, they try their ole salesman tactics of trying to convince you, you need it...Hmmmm...Ok... Subsequently, just a few months into driving the vehicle, the driver side door handle came off in my hand, the cigarette lighter came completely out of its housing, passenger side window takes some doing and time to roll down, and i can't forget, the rear door doesn't lock, it didn't lock when i drove it off the lot, but they call that a "cosmetic issue" a broken lock, a faulty lock is a "security issue" anyone who cases the vehicle will be able to access it from the back, get in and take anything they want or steal the car, but somehow that was considers cosmetic ohhh but i have to call that a blessing because the one set of keys they gave me, a key fob, it stopped working, in order to open my doors or access the vehicle, i had to crawl in through the back to open the doors, i thought no big deal, i will just get a battery to get the key fob working but...There was more to it than just that, it had to be replaced and recoded and that cost me $146.00, lol! wow! but the most recent issue is an engine light is on and the electronic traction control system went out with the indicator light on, i experienced that first hand when i drove a few weeks back on a light rainy evening, going below the speed limit and the vehicle almost crashed... That's a major safety issue and problem!!!! so...Getting on with my story, i decided to make payments on my timeline, paying them at the end of the month, they should consider themselves lucky that i am paying them at all for a piece of crap lemon they sold me!!! they have no problem haranguing and harassing me for a payment, oh by the way, they will harass your friends and references also, they did mine, according to one of my good friends, they used language like, "it would be beneficial that you call us." my friend asked me, was that some sort of veiled threat? Are they going to harrass me now? So...I have been paying them every month, maybe not $198.54 every two weeks but $300 a month, and i went down to the street today where i park my vehicle...And it was gone!!! i called bridgecrest, they palmed me off on "the redemption department" i had to pay $1,175.00 to get them to start paperwork and relinquish my vehicle back to me not before giving me the number of the repo agent who has their own separate fee, i wanted to take care of that, i called the repo company based in santa ana, ca, you have to make an appointment??? So i asked, i have to wait one more day to get my vehicle out of impound so you can add another daily rate? That just made the woman on the phone very upset, "we don't do that!" so they take my vehicle, impound it...I spoke with bridgecrest redemption department, five or six different people Remember, i mentioned they palm you off) basically, the gist of it, pay a said fee so they can get paperwork started and notify the repo agent, i told the redemption department rep that i have a check i can give them over the phone but was told that that would only slow the process because they can't start relinquishing the vehicle until the payment has posted. I couldn't use my card because it's in the repossessed vehicle, so thank god for online banking, i had to transfer money between accounts to pay their fee, i was told going online would expedite the process so i did that...I called them back, they told me the payment had not posted...Asked me how i paid? I told them what i did, i said online, they said checking account, i said online, they said checking account until both the rep on the phone and i started screaming at each other, by the way i also got lectured by him about how i pay and how my car was repossessed, he said "he was standing next to the manager when she explained to me the process!" long story short, it came out of my checking account that was given to them online to make these one time monthly payments which is how i have always paid. So, i retrieved my credit card number from a business debit card to make the payment, first i transferred the money...Again...I made the payment with a rep, "he had to break them up into two payments and i had to pay 2 processing fees...Hmmmm...Ok..." lol! so, i went back and forth with their department to tell them to then reverse that first, initial payment because i wasn't going to pay them twice, "he told me to take that up with my bank!" they said there was nothing they could do. So i did just that, i called wells fargo bank, i spoke to a banker who told me they totally misinformed me, it's a process known as ach, the banker told me they had complete control to process and reverse payments since the type was ach, they proceeded to tell me if the payment does go through it would be considered fraudulent. So besides being deceitful, lying, they also commit fraud here?? I called the redemption department back one more time, i told the rep what my banker told me, the rep told me that totally wasn't true, that they have no control over it, i asked them who does? Lol! he didn't know who did, he put me on hold to talk to his manager who just reiterated to him once again, only my bank could reverse the payment, they have no control?? I said ok, my bank can't prevent or reverse something that hasn't yet gone through or posted to my account, all they can do is fix it when it occurs, if bridgecrest has no idea, it must be a third party payment processor like western union, the rep claimed once it's initiated, they don't see it, i told them my bank doesn't see it either, so who does see it? He couldn't answer my question, a third party must see it right? And the third party is not an independent body, they are paid to do business processing transactions for bridgecrest, so how can they not know about their payment processing system? Wow... I was asked why i wasn't making the payments, i explained to the rep, would you pay for a lemon? The breach of contract started before i drove it off the lot! i asked him, would you pay for a vehicle that continue to have that many problems that fast only having the vehicle in a short amount of time? I asked him, what in the hell did you sell me? All he could say was i am sorry, i understand your frustration, and for the last year or so, that's all these people have been saying! they haven't offered any help! they haven't offered to repair my vehicle! they gave me a $25 gift card i believe, and made a one time courtesy payment to my account a while back...But something is going out on this vehicle every other month or so, where does that begin to compensate me for my problems with this vehicle that they repossessed today?? Was this all just coincidence? Was the vehicle held together long enough with cheap parts and bubble gum to get me off the lot and beyond the five day grace period of returning the vehicle? Failed brakes in just two months of personal driving? Electronic throttle body assembled? A rear door that doesn't lock? They just chronologically go out one at a time? I don't buy it! i am not the idiot they take most people for, clearly there were problems with this vehicle and it wasn't inspected before it was given over to me for use and finance. But wait a minute! one of the reps on the phone today in the redemption department told me, "they have a very impressive inspection system, i have seen it myself!" so i am supposed to just take his word for it? Because he saw their inspection system and was impressed by it? A biased bridgecrest employee? Yeah! sure man! i believe you because you said the sky is falling, it must be falling! if they did inspect it then it was half a*s, or just a quick comb over, they didn't get under the hood or check the brakes, and come to think of it, if they did inspect it, they would have caught the rear door lock issue, sorry guys that's not cosmetic, it's a major security issue, man in all that impressive inspection, is it possible they overlooked it? All i keep getting is i am sorry, and that's it. The worst part is that i brought it to the attention of the attorney general for the state of california where i reside, they did some correspondence with bridgecrest, mailed these documents and told me "they considered the case closed." the investigative judicial body of my home state and that's all they could do for me?? They are about as useless as bridgecrest. Maybe that's why i didn't vote for her in this election:) please don't go to bridgecrest! they target the bad credit demographic like myselfHey we can't all be perfect), they sell crap vehicles, they palm you off, they give you the runaround, they sell you a useless warranty that covers virtually nothing! they take your money and repo your car if you can't pay, they sell you vehicles that they don't really inspect, perhaps some do get inspected and have to pass a thorough inspection process, but not mine or i wouldn't be submitting a this dealership is deceitful, dishonest, they lie, and maybe even fraudulent, who knows. Don't be a victim, please read my report, learn from this one, learn from the others not to create more victims, the victory is for bridgecrest to overhaul and change their practices or pull up stakes and get the hell out of town! this has got to stop! you know why they have been getting by with it, because they can.