Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Bridgecrest Credit Company for fraudulently selling a duplicated XXXX, mishandling my vehicles repossession, and reporting false credit information. Their failure to take responsibility, back-and-forth miscommunication, and wrongful actions have caused financial harm, legal complications, and significant distress. 

Key Issue : Fraudulent Sale of My Vehicles VIN I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX, under Bridgecrest Credit Company, in XX/XX/XXXX. 
Due to personal circumstances, I stopped making payments in XX/XX/XXXX, and the bank scheduled a repossession for XX/XX/XXXX. 
However, the bank never repossessed my vehicle. Instead, they sold another car with the exact VIN XXXX in New Jersey while my truck was still legally registered and insured in Florida. 
This means that they sold a duplicated VIN, an act of fraud and negligence that has put me in a legally compromising position. 

Timeline of Their Wrongful Actions & Failure to Act : 1. XX/XX/XXXX : The bank scheduled a repossession but never followed through. 
2. XX/XX/XXXX : I first contacted the bank, informing them that I still had the car in my possession. 
3. Instead of resolving the issue, the bank kept redirecting me to XXXX, and XXXX kept sending me back to the bank.

4. During one of my calls, a bank agent admitted they had made a mistake but said he did not know what to do. 
5. Throughout XXXX, The bank closed my account as a charge-off but continued pressuring me to pay for a car that they had fraudulently sold to someone else. 
6. Despite knowing their mistake, I had to continue paying for insurance and maintenance on a vehicle. 
7. XX/XX/XXXX : After a year of going in circles between XXXX and the bank, I sent a formal email complaint warning that I would take legal action. 
8. Only after my complaint did the bank finally send a lawyer to respond, who was aggressive and treated me as if I was at fault. 
9. XX/XX/XXXX : The bank finally repossessed the vehicle yet they still failed to provide notice, auction details, or any official resolution. 
10. Between XX/XX/XXXX and XXXX, XXXX, Despite acknowledging their mistake, they falsely reported the repossession as involuntary on my credit report, further damaging my financial standing. 

Legal Violations & Consumer Protection Issues : The actions of Bridgecrest Credit Company violate multiple federal laws, including : 1. Fraudulent Sale of a Duplicated VIN The bank unlawfully sold another vehicle with the exact VIN in New Jersey while I still legally owned and registered the car in Florida.

Selling a duplicated VIN is a federal offense and can be classified as fraud.

2. Mishandling of Repossession & Failure to Take Responsibility The bank never properly repossessed my vehicle in XXXX and failed to take accountability for their mistake for over a year. 
They continuously redirected me to XXXX, while XXXX redirected me back to them, delaying any resolution. 
Their agent admitted their mistake but failed to escalate the matter appropriately. 
This violates the Truth in Lending Act ( TILA ) repossession and state consumer protection laws.

3. False Credit Reporting & Fair Credit Reporting Act ( FCRA ) Violations The bank has falsely reported the repossession as involuntary, harming my credit score and financial credibility.

Knowingly reporting false credit information violates the FCRA and can result in legal action.