Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation (NV)

Complainant Information : Date : XX/XX/XXXX Complaint Overview : This complaint is a follow-up to my previous complaint dated XX/XX/XXXX, regarding Bridgecrests involvement in the illegal repossession of my XXXX XXXX XXXX XXXX XXXX a breach of contract, fraud of accounting, mail fraud, and conversion of my personal and LLC property. I am requesting the CFPBs urgent attention in addressing these matters. 

Issues Raised : 1. Bridgecrests Lack of Assignment : Bridgecrest has no legal right to service my contract with XXXX. According to my contract, Bridgecrest is not listed as a creditor on page one, section A, nor are they mentioned on page six as being assigned to the contract. Bridgecrest has provided no valid documentation confirming their legal right or interest in this contract. Despite these facts, they repossessed my vehicle on XX/XX/XXXX, without lawful grounds. 
2. Discrepancies in Payment History : Bridgecrests provided payment history includes multiple inconsistencies. For instance : A {$470.00} payment made on XX/XX/XXXX, was returned due to insufficient funds, as was a {$460.00} ACH payment on XX/XX/XXXX. 
On XX/XX/XXXX, the account was credited with {$81.00} for an overpayment, showing a prior balance of {$15000.00}, which should reflect a XXXX balance with no further returned payments. 
Further manipulation occurred when, on XX/XX/XXXX, a new balance of {$16000.00} was reflected, only for the balance to again show XXXX by XX/XX/XXXX, and an additional credit of {$140.00} was applied. These manipulations indicate the account was paid off twice with different credit balances, without any valid justification from Bridgecrest. 
3. Debt Validation and Assignment Issues : Bridgecrest claims to have validated the debt three times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, the documentation they provided does not prove their interest in the contract. As stated, Bridgecrest is not named as the creditor on page one, nor does it show any assignment of the contract from XXXX to Bridgecrest. Without this legal validation or assignment, Bridgecrest can not claim any authority to service the debt or repossess the vehicle. 
4. Arbitration Agreement Dispute : I never signed or agreed to an arbitration agreement with Bridgecrest. My contract is with XXXX, and Bridgecrests involvement was never mentioned or agreed upon. Any claims by Bridgecrest regarding arbitration are void, as I have no contractual obligation with them. 
5. Violations of Legal Rights : The illegal repossession of my vehicle violates multiple laws, including : Truth in Lending Act ( TILA ) : For failing to properly disclose their interest in the contract. 
Uniform Commercial Code ( UCC ) : For conducting an unauthorized repossession and not providing a valid assignment. 
Fair Debt Collection Practices Act ( FDCPA ) : For not validating the debt and continuing illegal collection practices. 
Fraud of Accounting and Mail Fraud : For manipulating account history and providing false information to credit reporting agencies ( CRAs ).

Conversion : For refusing to return my personal and LLC property during the repossession.