Consumer complaint received 2023-03-15
Company: Bridgecrest Acceptance Corporation
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX of XXXX, I made a decision to extend credit to XXXX to get a vehicle. According to Title 15, US Code Chapter 41, Due to me not having full disclosure and not being informed on basic facts, such as me needing 2 consenting parties to make an agreement and the agreement not being conspicuous in order for me to clearly comprehend the relationship with XXXX and Bridgecrest Acceptance Corporation. Especially about how such interest related and why hardly any payments would be applied toward the principle, I made an uninformed decision to get a vehicle from XXXX. According to Title 15, US Code subsection 1601, I believe this was done to me on purpose by XXXX because the agreement was not clear and I did not have any say in that agreement. Recently I was in an active dispute with Bridgecrest where I made a full payment to prevent a repossession until we could resolve the issues. I filed a complaint with the Consumer Financial Protection Bureau because Bridgecrest was always in violation of Title 15, US Code 1692, constantly phoning and harassing me even after I asked them to stop more than one time. XXXX XXXX. Agency Specialist of Bridgecrest admits in his response that he canceled the recovery of my vehicle after payment was made and lied to the CFPB by saying that he sent a validation of the debt to me. Then, XXXX XXXX got in his feelings and with the help of his customer service team retaliated, used a canceled recovery and stole My property, my vehicle which is a trespass against my Estate. Posting on all my consumer reports that the vehicle was CHARGED OFF, THE BRIDGECREST ACCOUNT WAS CLOSED AND YOU STILL OWE THE MONEY which was unlawful, breaching the contract again by Never sending any communication to me at all purposely misleading me to contact them is a trespass against my Estate repeatedly. The last communication from Bridgecrest was to contact them to discuss my options, which I clearly had until XX/XX/XXXX, Except because the CFPB closed the account, Bridgecrest stole the vehicle from me on XX/XX/XXXX from a XXXX  XXXX XXXX in a secluded area. If it was being repossessed why didn't the follow the law or the contract at least which is null in void. Bridgecrest was supposed to let me and XXXX XXXX XXXX Police know after the vehicle was, so called, repossessed. This is unlawful according to Delaware Repossession Law. I have a police report, communication from Detective XXXX from XXXX XXXX XXXX Police who constantly called me vehicle. Saying he was trying to solve the case of a stolen vehicle report, in order to try to get me to contact Bridgecrest to force me to contract with them again. Anyway I have video footage to prove these facts. Finally, Bridgecrest did not address the CFPB complaint # 's XXXX and XXXX they just told my personal business and lied in their response. I was in XXXX XXXX burying my husband and dealing with a XXXX XXXX case for my daughter where I was the caregiver for my granddaughter here in Delaware and my family and friends were keeping up with the mail to make sure that I responded. Yet the CFPB closed both complaints, making Bridgecrest think it was ok close the cases. I don't think the CFPB wants to involve themselves in their deceptive debt collection practices, reporting on my consumer report that I still owe money and theft of my vehicle, which is my property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation