Product: Debt collection

I recently made a phone call, concerned that someone might be using my credit after I receive the email on XXXX. However, a man answered the call and claimed that I owed them money. I informed him that I did not owe anything and refused to pay. He then threatened to ruin my credit if I did not comply with a lot of nasty words I even told him that I worked in collections for years and he was breaking XXXX XXXX XXXX. Later on, I received a second email regarding the matter. The problem is I DO NOT OWE THE DEBT. I have included both emails. I had to freeze my credit and block my social security and pay for monitoring my credit which is a hardship going through a bank for a mortgage right now ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. the first email would not let me upload XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bridgecrest Acceptance Corporation XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear XXXX XXXX XXXX XXXX you for your interest in XXXX Car XXXX XXXX XXXX XXXX. and Bridgecrest XXXX XXXX, our auto lending partner, and for your application for credit. 

You may be receiving this notice while you are still active in the buying process or you may have chosen to get financing and/or purchase a vehicle elsewhere. If you are still talking to us about potential financing on a vehicle, your approval status remains the same until XX/XX/2020 and we encourage you to keep in communication with us as we work towards putting you in your next vehicle. 

Before we are able to make a final decision on your application to finance a vehicle, we will need the following information : Driver 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of telephone number Verification of Social Security Number Evidence of First Meeting of Creditors ( if in Chapter XXXX Bankruptcy ) Trustee Letter ( if in Chapter 13 Bankruptcy ) Lift or otherwise resolve a credit freeze, active duty alert or identity theft alert ( if applicable ) This is a complete list of the items of information we need, and you may have provided some of these items already. We need to receive all of this information by XX/XX/2020. If we do not receive it by that date, we will regrettably be unable to complete your current credit request, and you would need to start the application process again if you wish to be considered for credit. 

If you would like more information about what we need to make a decision on your application, simply contact your dealership representative or contact us at Bridgecrest Customer Service Department at the address and phone number shown below. When you make your request, please include the XXXX number that appears above your name on this letter. 

For questions about this letter please contact the Bridgecrest Customer Service Department at : Bridgecrest Acceptance Corporation XXXX XXXX XXXX, XXXX, XXXX  XXXX ATTENTION : Customer Service Department XXXX Notice The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX Then hour later second email... .... 



Bridgecrest Acceptance Corporation XXXX XXXX XXXX XXXX, XXXX Today you received an email from XXXX Car Sales Company, XXXX and Bridgecrest XXXX XXXX, our auto lending partner, regarding your application for credit submitted in 2020. Please disregard this email as it was sent in error. We apologize for any inconvenience this XXXX have caused. 

For questions regarding this notice, please contact the Bridgecrest Customer Service Department at : Bridgecrest Acceptance Corporation XXXX XXXX XXXX, XXXX, XXXX  XXXX ATTENTION : Customer Service Department XXXX Visit XXXX Customer Service : XXXX