Consumer complaint received 2022-09-10
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I, XXXX XXXX, am a consumer defined as " any natural person obligated or allegedly obligated to pay any debt '', pursuant to 15 USC 1692a ( 3 ). I, XXXX XXXX, entered into a Retail Installment Contract with XXXX XXXX XXXX XXXX XXXX, Bridgecrest Acceptance Corporation, and XXXX XXXX on XX/XX/XXXX for the sale of my XXXX XXXX XXXX. On XX/XX/XXXX at around XXXX, I was startled out of my sleep by the sound of a tow truck parked in front of my vehicle with orange flashing lights. Unfortunately at this time, I was underdressed and had to rush to my vehicle. As I approached my vehicle there was an unknown white male leaning over my front windshield, checking the VIN, in an attempt to illegally repossess and steal my XXXX XXXX XXXX. The unknown repo agent approached me after I entered my vehicle stating verbatim, We have been notified by your lender that this vehicle is in a repossession status. I then responded, informing him that my vehicle is not in a repossession status. He then states Yes it is and I have the documents to show. This unidentified repo agent failed to provide his name or the documents he allegedly had relating to the unlawful repossession. I protested and objected to the repo by stating I was not notified of a repo status and you may not take my vehicle. The unknown repo agent, short, white male, became extremely aggressive, which was an immediate breach of peace and also threatened to call the cops on me in an attempt to receive assistance with the repossession without a proper warrant or even a court order. The repo agent tried to block me from being able to drive away, yelling and threatening me stating " You better not hit my truck or else ''. These actions were likely to incite public turbulence and lead to an immediate loss of public order and tranquility. ( XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX. XXXX ). ) I feared for my life and was prepared to act in self-defense if necessary. This is a result of BRIDGECREST ACCEPTANCE CORPORATION failing to adequately notify me of any changes made to my account and/or mailing me a letter of Notice of Default and Right to Cure or any other document that allows me the right to cure and prevent a repossession. On XXXX XXXX I received an email from XXXX XXXX stating there were changes made to my BRIDGECREST ACCEPTANCE CORPORATION account, which reflected that my account was updated to a Charge- Off Status. BRIDGECREST ACCEPTANCE CORPORATION took adverse action against me after exercising my consumer rights and sending a Notice to Cease and Desist and Debt Validation letter certified mail dated XX/XX/XXXX. After receiving this update from XXXX XXXX, I mailed in a second Cease and Desist letter dated XXXX XXXX, demanding a XXXX form, amount of debt cancellation, and date of cancellation, along with other documents related to my consumer account. On XX/XX/XXXX BRIDGECREST ACCEPTANCE CORPORATION responded to my letter and failed to provide me any and all documents demanded in my Cease and Desist letters and also sent me back my Cease and Desist letter dated XXXX XXXX. BRIDGECREST ACCEPTANCE CORPORATION violated 15 USC 6802 ( a ) which states that Except as otherwise provided in the subchapter, a financial institution may not, directly through any affiiiate, disclose to a non affiliated third party and nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. In my original financing statement XXXX XXXX XXXX XXXX and BRIDGECREST ACCEPTANCE CORPORATION never told me in the even of a default of my car note that XXXX XXXX company would come repossess my vehicle. How did this repo agent know where my vehicle was currently located ( Georgia ) since I was not at my dwelling at the time which is located in XXXX, Texas? BRIDGECREST ACCEPTANCE CORPORATION also failed to provide me the option to opt-out of any information being shared with a non affiliated third-party ( Tow Company ) pursuant to 15 USC 6802 ( b ). I, XXXX XXXX, have been adversely affected by complete willful negligence, willful noncompliance, abusive debt collection practices, use of profane language, fear that my life was in danger, anxiety and extreme mental anguish worrying if my personal property will be stolen and the fact that numerous consumer rights have been violated since I entered into this consumer credit transactin, along with violations of the Truth in Lending Act. Despite my numerous attempts to verify the validation of this alleged debt, BRIDGECREST ACCEPTANCE CORPORATION took adverse action by closing my account without adequate notice, updating my consumer credit account to a Charge-off status without first notifying me, and removed online access to my account XX/XX/XXXX, which disabled me from being able to remedy this situation.

Company response to consumer: Closed with explanation