Capitol Hill Flower & Garden Inc

Dear Ms. Marin,Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. Bridgecrest has determined that the individual who filed the complaint is an authorized third party (ATP) on our customer’s account. For our customer’s convenience,...

Bridgecrest allows customers the opportunity to add an authorized third party on their account who is able to speak to us, on their behalf. However, an authorized third party is unable to make decisions or changes to the account.On February 2, 2015, our customer entered into a Closed End Motor Vehicle Lease Contract with DriveTime when he leased a 2005 Honda Accord. While DriveTime originated the Lease and is the Lessor, Bridgecrest Credit Company (Bridgecrest) is the servicer for the Lease. Attached is the Return Anytime Closed End Motor Vehicle Lease Contract for your review.We aim to avoid mechanical failure by inspecting our vehicles. However, if a part is not failing at the time of inspection, it does not need to be replaced. Additionally, it is difficult for us to determine when and what type of repairs may be needed over the term of a lease.For this reason, we provide all lease customers with a 30-day/ 1,500-mile limited warranty as well as an extended warranty included with their lease. Should the battery in question have failed within the first 30 days or 1,500 miles, this would have been replaced under the terms of the Driver’s Seat Limited Warranty.We have reviewed our customer’s repair history and the battery concern was brought to the attention of Aeverex in December of 2016, after the Limited Warranty had expired. Asthis is a non-covered component, replacement would have been the responsibility of the customer. However, we are happy to review for possible reimbursement should our customer provide receipts showing proof of purchase.On February 21, 2015, an in-network repair facility initiated a claim with Aeverex for a shift release button. The repairs were authorized under the terms of the Limited Warranty at no charge to the customer.On August 8, 2016, our customer’s account fell delinquent and has not since been brought current. When an account falls past due, we make multiple daily attempts to reach our customer to cure the delinquency. Throughout the collection efforts made between August 8, 2016, and April 6, 2017, Bridgecrest provided our customer payment arrangements to assist in bringing the account current, however, the account has remained past due.Additionally, several phone numbers on the account were deleted at our customer’s request limiting our ability to communicate with our customer to only one contact phone number.On December 15, 2016, we made a successful attempt to contact our customer to explain the importance of bringing his account current, as the vehicle would soon be eligible for recovery. Our customer explained he would be unable to make a payment and understood the vehicle would go out for recovery.On February 8, 2017, an in-network repair facility initiated a claim for failed engine mounts and transmission repairs with Aeverex, the warranty administrator. The transmission repairs were authorized on March 14, 2017. The reason for the delay in authorization of the repairs is the repair facility and Aeverex were required to wait until failed engine mounts had been replaced by the customer prior to the transmission repair. These are non covered components under our customer’s warranty so they would be the customer’s responsibility to complete. The repair facility advised the customer if they were not replaced prior to the installation of the replacement transmission, the transmission would have subsequently failed. Bridgecrest additionally made the exception to waive the $100.00 deductible, which typically applies to covered repairs, as a goodwill gesture.No further repair claims were filed for the vehicle.On March 13, 2017, we placed our customer’s vehicle for recovery due to non-payment as the account was three (3) payments past due. Our customer contacted us requesting an additional four (4) weeks to make a payment on the account. We advised this would not be a viable option due to the amount of time which had already elapsed with no payment made. At this time, our customer also authorized a third party to speak about the account on his behalf. Later this day, the equivalent of one payment was made and the recovery was cancelled. Although a payment was received, the account remained past due.Additionally, the subsequent payments were not made, the account fell further past due and collection efforts continued.As of March 24, 2017, all phone numbers on the account were either removed by the customer or disconnected and we were unable to contact the account holder.On April 13, 2017, the vehicle was recovered due to non-payment. On this date, the authorized third party contacted Bridgecrest to discuss the recovery of the vehicle. She explained she was never advised of the due dates for payments. We explained when payments are made, we provide the next due date. Additionally, with a bi-weekly schedule,payments would be made every two weeks. We explained we have made several unsuccessful attempts to contact the account holder but all phone numbers have been disconnected or removed from the account. Furthermore, as she is not the buyer or cobuyer on the Lease, she would have not been contacted.On April 14, 2017, we contacted the authorized third party to discuss the concerns of her complaint. We explained, as this is a Closed End Motor Vehicle Lease Contract, the recovery of the vehicle will not be reported to the three major credit bureaus. Our customer expressed satisfaction with the outcome and the call was ended on amicable terms.We apologize for any frustration or inconvenience this matter may have caused. Bridgecrest thanks the Revdex.com for their continued support. If you have any questions, please contact us at [redacted].

[redacted]  [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this...

resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

(Please see attached for full response)Dear Ms. Marin,  Thank you for bringing this matter to our attention. We appreciate the opportunity to re-address our customer’s concerns. Bridgecrest received the estimate for repairs from our customer on October 9, 2017. At this time, we would like to offer our customer a two-payment deferment once we receive a paid receipt for the repairs. We will remain in contact with our customer through the completion of any accepted resolution. Bridgecrest thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact our Customer Relations department at [redacted]. Thank you,

August 30, 2016   Revdex.com 1010 E Missouri Ave. Phoenix, AZ 85014-4585 Ph. (602) 264-5299 Fax (602) 263-0997   Re: Complaint #[redacted]   To Whom It May Concern:   Thank you for bringing this matter to our attention. We appreciate the opportunity to address our...

customer’s concerns.   On December July 18, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2012 Chevrolet Malibu. The contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance Corporation. Attached you will find the Simple Interest Retail Installment Contract, for your reference.   Bridgecrest offers several payment options for our customers’ convenience, including no and low cost options. For example, customer can sign up for recurring ACH (“AutoPay”) at no cost. Our customers are also able to make a payment over the phone, online, or via text with Western Union (“Speedpay”). Both options are processed by a third party vendor who charges a $3.95 convenience fee, as of April 2016, for every payment made. Our customers’ also have the option to make an in-person payment to Bridgecrest via a third party vendor who charges a convenience fee of $1.50-$2.00, depending on the location of the facility they visit (i.e., WalMart). At time of sale, our customer agreed to make 151 bi-weekly payments of $227.46 and one (1) final payment of $224.88 beginning August 1, 2015. Attached is a copy of the payment schedule that was provided to our customer as time of sale. On January 25, 2016, our customer opted to make a payment to Bridgecrest, via one of our third party vendors, in the amount of $455.00, plus a $4.50 convenience fee assessed by our vendor. On January 28, 2016, a payment of $455.00 posted on our customer’s account. On May 18, 2016, Bridgecrest received notice that our customer’s payment, posted onJanuary 28, 2016, had reversed. The payment was removed from our customer’s accountand the funds were returned to our third party vendor.Bridgecrest made multiple, unsuccessful, attempts to contact our customer and advise herof the status of the account.On May 31, 2016, our customer contacted Bridgecrest and was advised her of the statusaccount and encouraged her to submit bank statements for review. Our customerunderstood.Unfortunately, the requested documentation was not obtained and Bridgecrest resumedattempts to cure the account delinquency.On June 27, 2016, our customer contacted Bridgecrest and stated she had spoken to herthird party financial institution and no funds were credited back to her account for thereversed payment posted on January 28, 2016. Again, Bridgecrest encouraged her to submitdocumentation confirming that the payment had been drafted for further review.On July 5, 2016, Bridgecrest contacted our customer and advised her that we received thedocumentation for the reversed payment in question and would have the payment reappliedto the account. In addition, we provided our customer with four (4) paymentdeferments to assist in bringing the account current.After further review of the account, it appears the payment in question was not reappliedto our customers account. We apologize for any confusion or inconvenience this mattermay have caused.On August 25, 2016, Bridgecrest contacted our customer to advise her that another requestwill be submitted to have a payment of $455.00 credited towards her account and backdatedto post for January 28, 2016. Our customer requested to be contacted once the paymentwas applied and was satisfied with the resolution provided.On August 29, 2016, Bridgecrest contacted our customer and advised her that a credit for$455.00 had posted towards her payments.Bridgecrest thanks the Revdex.com for their ongoing support. Should youhave any questions or concerns, please contact us at [redacted]. Formerly DT Credit Compa

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.On August 30, 2014, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2006 Jeep Commander. The Contract was subsequently...

assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance Corporation. Attached is a copy of the Simple Interest Retail Installment Contract. Bridgecrest offers a variety of loan modifications, to our customers, from due date changes to payment extensions/deferments. Prior to submitting for any payment extensions, Bridgecrest strides to ensure our customer is successful in maintaining payments after the extension period. This means our customers need to be out of their hardship before we can review for deferments. As loan modifications are subject for review, deferments cannot be guaranteed. Our customers remain responsible for maintaining their payments through this review process.On December 2, 2016, our customer contacted Bridgecrest inquiring about an extension.She informed us she is on leave from work and will not return to until January 18, 2017.We advised her we are not be able to provide any extensions until she returns to work.However, if she were to provide a letter from her employer, with her return-to-work date,we would review for possible deferments.On December 13, 2016, Bridgecrest spoke with our customer after she faxed in a copy of her employer letter. We offered two payment deferments for the month of December. Our customer requested three payment deferments. We informed her we would have to submit for further review for a three payment exception. That same day, Bridgecrest submitted at wo payment deferment request.

December 21, 2016   Revdex.com [redacted]
[redacted] 
  Re: Complaint # [redacted]   To Whom It May Concern,   Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On March 13,...

2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2012 Chevrolet Cruze. The Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance Corporation. Additionally, our customer purchased a 5 year/50,000 mile Vehicle Service Contract serviced by Aeverex. The cost of the Vehicle Service Contract was $2,895.00. Attached you will find a copy of the Retail Installment Contract and Vehicle Service Contract for your review. On April 15, 2015, our customer spoke with Aeverex to inform them that the check engine light was on and the vehicle was shaking. Aeverex referred our customer to an in-network repair facility for a vehicle diagnosis and for a claim to be filed. On April 20, 2015, the in-network repair facility spoke with Aeverex to file a claim. The repair facility suggested a valve cover gasket replacement. The valve cover gasket is a non-covered component under the terms of the Vehicle Service Contract therefore; Aeverex denied the repair. On this same day, our customer spoke with Bridgecrest to inform us of needed repairs and requested assistance. Bridgecrest informed our customer that we would review the estimate to see if there were any possible exceptions that could be made. On April 21, 2015, Bridgecrest made an exception and provided approval for our customer’s repairs for the valve cover gasket totaling $152.03. Our customer was responsible for the deductible of $100.00, per her Vehicle Service Contract. (Full Response provided to the Revdex.com)

On August 16th I spoke with someone and did inform her that there was a returned payment. At that time we set up a payment arrangement for August 28th. I did receive some emails after that time and I did respond explaining that I had a payment arrangement for the 28th and would be paying at that time. The lines of communication were open and I did communicate with Bridgecrest at least 3 times between the 16th and the 28th. On the 28th I made the payment as agreed. On August 29th, after the agreed upon payment had already been made, my car was repossessed. The car should not have been repossessed and it has been an incredible hardship on me to have to come up with all the extra and unnecessary money caused by Bridgecrest.

(Please see attached for full response)On January 19, 2017, the account was reviewed for accurate reporting. It was found that a repossession was reporting to both party’s credit histories. A request to update our customer’s and the co-buyer’s credit history was sent to the three major credit...

bureaus. It will take 30 to 60 days for the credit bureaus to update both credit histories. The account has also been flagged to be manually updated every month by our Credit Bureau department to ensure accurate reporting continues. On January 25, 2017, Bridgecrest successfully made contact with our customer. We sincerely apologized for the situation and explained the above credit history update. We then offered to apply a one payment credit of $201.00 to the account as a gesture of goodwill. Our customer accepted and the call was ended on amicable terms. The actions described in our customer’s correspondence are clearly not in keeping with our set standards of service and support. Bridgecrest is taking this opportunity to review for internal training opportunities regarding our customers account. We strive to make each customer’s experience both rewarding and pleasant while ensuring that every customer is treated with the utmost respect. The credit has been requested to be applied towards the account. Should our customer notice any discrepancies in the future, we encourage her to contact our Customer Relations department at [redacted]. Bridgecrest thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact our Customer Relations Department at [redacted]. Thank you,  Jessica H. Customer Relations

Re: Complaint # [redacted]To Who It May Concern:Thank you for bringing this matter to our attention. We appreciate the opportunity to address ourcustomer’s concerns.On April 21, 2014, our customer entered into a Simple Interest Retail Installment Contract withDriveTime when she purchased a 2012 Ford...

Fiesta. The Contract was subsequently assigned to DTAcceptance Corporation, now known as Bridgecrest Acceptance Corporation. Attached you willfind the Simple Interest Retail Installment for your reference.On December 15, 2015, our customer’s account fell delinquent and has not been current since.On May 18, 2016, at 125 days past due, Bridgecrest exercised our contractual option to set thevehicle out for recovery.On page 3 of the Simple Interest Retail Installment Contract, under subsection Default it states:“You will be in default if any one of the following occurs (except as may beprohibited by law):1. You fail to make any payment due under this Contract, including any downpayment, in full when such payment is due….If you are in default… we may take back (repossess) the Vehicle.”On May 20, 2016, we recovered the vehicle.Throughout the period between the first delinquency and the day the vehicle was recovered, wewere unsuccessful in trying to reach our customer in attempt to cure the past due balance and adviseher of the recovery of the vehicle.On May 24, 2016, our customer contacted Bridgecrest inquiring about redeeming the vehicle. Weinformed her the total to redeem the vehicle would be $2,139.66, which includes the past duebalance, recovery fees, and late fees. However, we offered to redeem the vehicle for $835. Thisincludes the recovery fees ($275.00), late fees ($20), and 1 ¼ monthly payments ($540). Our customer informed us she would be able to make a $300 payment that day and pay theremaining $535 by that upcoming Saturday, May 28, 2016. We advised her these paymentarrangements would place a “hold on the vehicle,” meaning it would not be sold at auction. At thatpoint, the vehicle had been transported to the auction lot.On May 26, 2016, our customer made a payment of $301.00.On May 27, 2016, our customer contacted Bridgecrest to make her final payment of $234.00, toredeem the vehicle. We informed her that the vehicle arrived at the auction lot and it would be herresponsibility to pick it up. Our customer inquired why she was told the vehicle would have a holdplaced on it. We apologized for any miscommunication or misunderstanding and explained that wecould not place a transport hold on a vehicle that was in the middle of being transported. We advisedher of our attempts to contact her before and after the vehicle was out for recovery.On May 31, 2016, we sent the approval to have the vehicle released from the auction. However,our customer would be responsible for obtaining possession of the vehicle from the auction lot.On June 2, 2016, we spoke with our customer in attempt to address her concerns. We informed herwe would transport the vehicle back to her nearest DriveTime Dealership and provide a fourpayment deferment to bring the account current. Our customer expressed satisfaction with our offer.We will continue to work with our customer until we execute all that we have promised.We apologize for any confusion or inconvenience this matter may have caused.DriveTime thanks the Revdex.com for their ongoing support. Should you have anyquestions or concerns, please contact us by calling us at ###-###-####.Sincerely,DriveTimeCustomer Relations

To Who It May Concern:Thank you for bringing this matter to our attention. We appreciate the opportunity toaddress our customer’s concerns.On August 13, 2016, our customer entered into a Simple Interest Retail InstallmentContract with DriveTime when he purchased a 2010 Chrysler Town & Country....

TheContract was subsequently assigned to DT Acceptance Corporation, now known asBridgecrest Acceptance Corporation. Attached will be the Simple Interest RetailInstallment Contract for your reference.At the time of sale, our customer agreed to make 111 semi-monthly payments of$233.07 beginning on September 2, 2016 and one final payment of $232.90 on April17, 2021.On August 30, 2016, our customer contacted Bridgecrest in regards to his paymentfrequency. He inquired about changing to a monthly pay frequency. We informed himthat he would either need to 1) provide proof he gets paid monthly or 2) has to makesix months’ worth of payments, prior to submitting for a frequency change.On September 1, 2016, Bridgecrest reached out to our customer in attempt to addresshis concerns. We offered to submit a request to transition to a monthly paymentfrequency. He informed us that he would like to make his payments on the 15 of eachmonth. Because there is an upcoming due date on September 2, 2016, we would needto wait for the due date to pass in order to submit for the modification. On September 2, 2016, Bridgecrest contacted our customer in reference to themodification. We advised him that once we submit his request, the new monthlypayment amount will be $466.32 beginning on the 15 of September. We informed himthat he will need to sign the modification agreement once approved. Our customeraccepted our offer and we submitted the modification.At this time, Bridgecrest has submitted the modification request. We will continue towork with our customer until we execute all that we promise. In regards to thecustomer service experience, we will be researching this matter internally for anytraining opportunities.We apologize for any inconvenience or confusion this matter may have caused. As agoodwill gesture, Bridgecrest has applied a $25.00 credit to the account balance.Bridgecrest thanks the Revdex.com for their ongoing support and allowingBridgecrest the opportunity to address our customer’s concerns. Should you have anyquestions or concerns, please contact us by calling us at [redacted].Sincerely,Carlos S.Customer Relations

(Please see attached for full response)On September 20, 2017, our customer contacted Bridgecrest to discuss her concerns. We explained the above timeline and sincerely apologized for any frustration or confusion that was caused. We advised we could attempt to reinstate the trade line to reflect as...

paid or leave the trade line deleted. Our customer opted to have the trade line remain deleted. We advised it would take 30-90 days to reflect the deletion on her credit history. The call ended on amicable terms.

I do not accept this response from Bridgecrest, the last three payments that I made to Bridgecrest went towards a down payment that was already applied in 2015 so if you had to reapply all my payments.  You had me make 2 down payments it should have been a reapplied to my normal payment and not a down payment. If all of my payment was reversed and reapplied what happened to the payments that I made for more than my car note? They would have been applied to the next car payment which did not happen so please explain to me why my extra payments were not applied. right if you had to reverse them and reapply them my car payment is only  $205 a month so what happened to the payments I made for $400 $390 $600 all of these are more than what I should have paid so they should have been adjusted if you reapplied them.

We appreciate the opportunity to readdress our customer’s concerns. It is important to us that our customer understands that we take these situations very seriously and that we understand that a positive customer experience is critical to the success of our business. We wish to express our sincere and heartfelt apology for our customer’s experience with the Bridgecrest representative. We reviewed the call between Bridgecrest and our customer from August 24, 2017, and we made adjustments internally through training opportunities and corrective action as appropriate. We understand our customer’s initial desired resolution was corrective action for the Bridgecrest agent in question, and we are confident in responding that we have taken action appropriately. Further, we have provided our customer with the $100 credit toward her payments as a goodwill gesture to provide more than just words in response to our apologies for her dissatisfactory service received.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

October 24, 2016   Revdex.com Phone: [redacted] Fax: [redacted]   Re: Complaint #[redacted]   To Whom It May Concern:   Thank you for bringing this matter to our attention. We appreciate the opportunity to re-address our customer’s concerns.   On October 18, 2016, we spoke with our customer regarding her concerns. We advised her that we would credit the account $34.60 to bring it current, as a goodwill gesture. We further explained that our records indicated that the account legitimately went over 30 days past due, and that we would not be able to remove the mark from her credit reports without evidence that the reporting was inaccurate.   Our customer stated that she believed she had made a payment in August for approximately $308.00. Were that the case, it would indeed mean her account had never gone over 30 days past due. We advised our customer that we did not have a record of that payment.   We sent our customer a copy of her transaction history, and asked that she review it and compare it to her records. We also requested that she send us any information she had that would support her contention so that we could review it. We have not yet received any such information.FULL RESPONSE ATTACHED

(Please see attached for full response)On December 19, 2016, we successfully made contact with our customer to discuss her concerns. We advised that we would credit the account $15.00 for the non-sufficient funds fee and requested a running bank statement to review to reimburse the $35.00 overdraft...

fee. Our customer accepted our offer and the call was ended on amicable terms.We apologize for any confusion or inconvenience this matter may have caused. At this time, we have applied the $15.00 credit to our customer’s account and have reimbursed our customer the $35.00 overdraft fee. Additionally, as a gesture of goodwill, we have applied a $25.00 credit to our customer’s principal balance.Bridgecrest thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact our Customer Relations Department at [redacted].Thank you,Jessica H. Customer Relations

To Whom It May Concern: Thank you for bringing this matter to our attention. We appreciate the opportunity to readdress our customer’s concerns.  Bridgecrest has put in place set standards of service and support to ensure our customer’sreceive quality interactions with all Bridgecrest representative. We strive to make each customer’s experience both rewarding and pleasant while ensuring that every customer is treated with the utmost respect. We will thoroughly investigate our customer’s specific concerns and take appropriate action to ensure Bridgecrest policies and procedures are followed by our loan-servicing department, if needed. Bridgecrest thanks the Revdex.com for their ongoing support. Should you have any questions or comments, please contact our Customer Relations Department at [redacted]. Thank you, Jeremy R. Customer Relations

For full response please see attached.Additionally, we have discussed our customer’s concern relating to her concern of a lost payment. On two separate conversations with our customer, she advised this was an error with the third party payment servicing company and has since been resolved. To date, all payments due have been received by Bridgecrest except for the current past due payments from May 19, 2017 and June 2, 2017.  Bridgecrest does not utilize our customer’s personal information for any purpose other than verifying our customer’s identity, initial financing of the vehicle, and obtaining payments due under the terms of our customer’s Contract. If our customer is a victim of identity theft, we encourage her to contact her local authorities for further investigation.   At this time, Bridgecrest is unable to accommodate our customer’s request to reimburse her for any convenience fees associated with making her scheduled payments. We apologize for any inconvenience this may have caused but have provided our customer with other payment options she is able to utilize with no fees associated with making her scheduled payments. Should our customer have any further questions or concerns, we encourage her to contact our Customer Relations department at [redacted].     Bridgecrest thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact our Customer Relations department at [redacted].  Thank you,  Danielle C.  Customer Relations

For full response, please see attached. On May 22, 2017, Bridgecrest contacted our customer and advised him a due date change would need to be completed, so the payment schedule coincides with his pay date schedule. Once the modification is completed, our customer would have an upcoming payment...

due May 27, 2017, and every two weeks from then on.We apologize for any inconvenience this may have caused our customer. At this time, we have successfully modified our customer’s loan to ensure his pay dates are set up correctly. Additionally, to show good faith for our error, we have applied one bi-weekly payment credit ($217.34) to our customer’s account. Should our customer have any further questions or concerns, we encourage him to contact our Customer Relations department at [redacted].  Bridgecrest thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact our Customer Relations Department at [redacted].Thank you, Danielle C.Customer Relations

I was contacted by Danielle last week and told that this would be resolved this week because the title had in fact been issued.  However I received a call from Danielle yesterday 4/27/17 and she told me that she had mailed the check for the $300.00 but the title to my vehicle was not included because when they received it from the tird party vendor it had again been issued in the previous lessees name.  She did apologize and said that they had requested the title be issued in Drivetime's name and that once she receives it she will have the appropriate person sign the back and mail it to me.  This should be done by next week. Now I have to wait again and then also go through the expense and trouble of having to go to the DMV to get the title issued in my own name which will further delay the process.  This is ridiculous and though she apologized and assured me she would handle it I am very frustrated.  Since I have not received the title in my own hands yet I can't close this matter out and indicate that it has been resolved.  However, once I receive the title to the vehicle I will contact you as well as Drivetime & Bridgecrest and let everyone know the matter has been resolved