Report: #1337244

Complaint Review: Bridgecrest formerly known as Drivetime

  • Submitted: Tue, November 08, 2016
  • Updated: Tue, November 08, 2016
  • Reported By: Michael — Huntington Beach California USA
  • Bridgecrest formerly known as Drivetime

    Nationwide
    USA

Show customers why they should trust your business over your competitors...

 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 myself(hey 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 ripoff report! 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.

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This report was posted on Ripoff Report on 11/08/2016 06:18 PM and is a permanent record located here: http://www.ripoffreport.com/reports/bridgecrest-formerly-known-as-drivetime/nationwide/bridgecrest-formerly-known-as-drivetime-drivetime-dishonest-deception-lies-scam-decei-1337244. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
2Author
4Consumer
0Employee/Owner

#1 Consumer Comment

Just read your rebuttal to Robert about 'sub-prime attitude"

AUTHOR: FloridaNative - (USA)

You need to re-examine your position regarding auto purchasing and pre-purchase inspections and warranties.

Your reply to Robert would be good if we were in a perfect world.  However, we are not.

Auto sales and financing is a totally different type of sale where the dealerships and the finance people get away with anything under that old rule: Buyer beware.  The only time the consumer is protected is in the case of fraud - which is not as common as it might first appear. Why is this? Because the laws protect the dealer and not the consumer.  

For example, you think that "110 point inspection" (or whatever number) is for you?  No, it is a marketing gimmick. They don't have to disclose what they found or even if they actually did the inspection.  It is incumbent on the buyer to have their own pre-purchase inspection done by a third party NOT affiliated with the dealership in any way. That is the only way you are going to get to the truth of the condition of the vehicle. Do this before you buy it. If you wait until you signed the paperwork, it's too late - you are stuck. 

The extended warranty that the nice person in the dealership is trying to sell you for thousands of dollars - may, in fact, be worthless.  You would have to read every word of the warranty to see what is excluded and check the soundness of the company issuing the warranty. It won't be worth anything if they go out of business next month or if they just ignore their customers. Sometimes the F&I guy isn't even selling you a warranty - but a maintenance contract that excludes everything but oil changes at a particular location. A true rip-off. This tactic is apparently perfectly legal. It is not ethical, but dealerships have been getting away with it for decades.

In short, you have to protect yourself. I learned the hard way. Don't trust anything the dealer sales rep or finance person says. Read the contract first. Do your due diligence before you sign anything. In fact, it is best to get your financing with your credit union before you go shopping for a vehicle. Don't let the dealer mess with your financing and you will have a better experience. This goes for all dealerships - not just subprime ones like DriveTime. 

 

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#2 Consumer Comment

Repairs have nothing to do with the loan

AUTHOR: FloridaNative - (USA)

You are barking up the wrong tree. You borrowed money to buy the vehicle and you stopped paying the payment in full and on time early in the loan process. Your excuse?  The warranty didn't cover the repairs you needed on the vehicle. Do some research on how to buy a vehicle and who is responsible for repairs. If the warranty doesn't cover anything, cancel it and have the credit applied to your outstanding loan balance.  In any event, you can't use repair expenses as an excuse to not pay your loan on time.  Those two items, repairs and loan payments, are completely separate. The lender is not responsible for repairs - you are.

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#3 Consumer Comment

Not a scam

AUTHOR: coast - (USA)

You wrote a long-winded verbose complaint to tell us the vehicle warranty did not cover the malfunctions and therefore you chose to default on the loan. You were not scammed. You failed to honor the terms of the agreement and did not tell us what part of the agreement the seller or warranty provider violated. Now you know why the seller installed a GPS tracking device on your vehicle.

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#4 Author of original report

Addendum To My Subprime Attitude

AUTHOR: - ()

 Lol! You buy a vehicle new or used, lay down a down payment, drive that car off the lot, then in five months time pay $1,200.00 out of pocket for repairs, come back and let me know how you feel? Let me know if you want something to get done about. Let me tell you there were "no provisions" or breach of contract. And by the way, if they inspected the vehicle as they so claim, they would have detected "a bad throttle body" and "problematic brakes" But why would I do that when I can just pass those costs along to the customer and protect myself with "as is" in the literature. If the car is complete crap and everything that was wrong with it was actually listed (which should be the case) and I tagged an "As-Is" sticker on it, how fast do you think that car would sell? Of would it sell at all? Full transparency and disclosure, if you read more closely, I am not the only consumer complaining about Bridgecrest and its practices!

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#5 Author of original report

Subprime Attitude Yeah That's Me

AUTHOR: - ()

 First of all, read at your own risk, I filed a report to what I perceived as wrongdoing, nobody asked you to read "my novel" it's your rebuttal and "opinion of my typical subprime behavior" is why nothing will ever change. Let me ask you this? You purchase or finance a vehicle new or used and so much goes wrong with it so fast? You would be ok with that? That's acceptable to you? Let me elaborate even further, I am a seller of something, it's incumbent upon me to be honest and act in legality, if I know something is wrong with an item and I sell it anyway? Then somebody has recourse against me, bottom line, if a car needs a brake job or a major repair, I am going to disclose that, the buyer will expect me to get

it fixed or take it off the asking price! If I sold you a vehicle for $15,000 firm and told you it needed major engine work but wouldn't come off my asking price, would you buy it? Of course you wouldn't, of course you wouldn't! But if I sold you a vehicle with issues and didn't tell you about them and a month or so later the car fell apart, you wouldn't want your money back? How naive are you? You don't think a mechanic can piece a car together or rig it until it comes off the lot for the dealership? You think this is the first time something like this happens? And I did do something about my vehicle once these problems started to occur, their response on a $2,995.00 warranty they add to the bill? They did nothing but tell me

their warranty doesn't cover it Sub prime attitude and the contract I signed? Are you f**king serious? You sell me a car falling apart at the seams and you want my timely payment? A warranty I bought that didn't even cover an engine issue I had? That's not breach of contract? Of course it's a breach! So I breached also. If I combed a car over and it had major issues, I simply wouldn't buy it, If I combed a car over with several minor issues that equate to major issues in terms of expense and cost, how can you tell if there is a problem or when the problems will surface? And if they surface that much that quick? It's more than "just a coincidence." But then again I am not naive If you claim to list to the paying consumer

you "have a thorough inspection program," then wouldn't be up to the seller who performed a thorough inspection to let me know "their findings" They did not And if you knew anything about brakes, not all brakes work the same, some give you warning signs to indicate the need for new pads, etc etc and some.....there are no symptoms are warning signs, it's metal to metal, or its brake failure, but I guess you are a qualified mechanic too right? Okkkk.... Tell you what, if you are in the market and purchase a vehicle new or used and you have the issues I have had with mine, you give me the verdict! Tell me how you will fill or react if it's starts falling apart after a month or two.... Maybe I will just tell you it's a

typical subprime attitude and you signed a contract, hey when your car spends more time in the garage then out on the streets.....let me guess, it came "as is" And paying $2,000 plus on repairs is acceptable and that's just life right? Anyone sells me something and is dishonest? Me and that person are going to go round and round bottom line!

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#6 Consumer Comment

Typical Subprime attitude...

AUTHOR: Robert - (USA)

In trying to get through the novel you wrote, it all comes down to a very typical theme.

A typical "Sub-Prime" borrower who thinks that they can just change a contract because they feel like it, and gives the attitude that the finance company better be thankful that they are paying something.

The fact is that you bougt a 6+ year old car with probably close to if not over 75,000 miles.  Cars of that age will tend to have issues.  Another fact is that warranties rarely(if ever) cover "Wear and Tear" items such as Brakes or Throttle Bodies.  

Brakes don't go from perfect to needing to be removed via torch in a matter of days.  So since this happened a month after you bought the car, it is almost virtually impossible for you to not notice something was not right with the brakes when you test drove the vehicle....You did test drive it..right?

Also in this test drive, how come YOU didn't notice the broken lock?  You did check everything out right?  If you did notice it how come you didn't require them to fix it BEFORE you bought the car?  If you didn't notice it because you are saying..well it just wasn't important.  Then you really can't come back later and complain about it.

But let's get to Sub-Prime 101.  Your attitude that you could just change the contract at will and pay $300/month when you were required to pay $198 every two weeks.  But then you are shocked when surprise..surprise...they repo your car.

You made a legal agreement to maka a payment of $198 every two weeks.  There was no provision that said you could pay less or at a different schedule.  There was no provision that said you only had to pay if you could.  NO...it required a payment every 2 weeks.    That is why the AG didn't pursue it because they did nothing wrong.

 

 

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