Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NC)

As Federally protected consumer, if I choose to go to Arbitration, submit a federal complaint, the account should automatically be placed in " Do Not Pay '' status. If the consumer files bankruptcy, the consumer can no longer make any form of payment to the corporation. The fraudulent activity Bridgecrest Acceptance Corporation XXXX ( hereinafter B.A.C. XXXX  ) is doing, is attempting to extort and harass me for " floating rate notes ''. Denying me My Right to submit other tenders of payment. According to the Emergency Banking Act, House Joint Resolution 192, and Securities Exchange Act 1934... ..Securities is the only way I can offset any debt or obligations.

I'm filing a Federal complaint against B.A.C. XXXX for " breach of contract ''. B.A.C. XXXX was notified XX/XX/XXXX and XXXX XXXX, XXXX via Registered Mail ( # XXXX ; # XXXX XXXX ) that this account was either going to arbitration or Federal Court. My last Registered Mail with a notarized letter stating my next action.

B.A.C XXXX has a policy with instructions, " All written communications concerning disputed amounts including any check or OTHER PAYMENT INSTRUMENT that indicates that the payment constitutes " payment in full '' of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount must be mailed or delivered to : XXXX XXXX XXXX XXXX, Arizona XXXX. 
According to SEC, B.A.C.XXXX and XXXX XXXX XXXX Treasuerer/ Senior Securitizer are the only ones I can bring to Federal Court . XXXX XXXXXXXX XXXX name is listed on the XXXX, XXXX, and XXXX forms on behalf of B.A.C. XXXX. 
XXXX XXXX signed these forms XX/XX/XXXX. This proclaims that he was responsible and competent for following the regulations of the SEC of 1934. XXXX XXXX has yet to respond to phone calls and my Registered mail. Mail that was sent directly to his personal office, never to the Lock Box address.

Title 18 U.S.C. 1348 states, " Whoever knowingly executes or attempts to execute a scheme or artifice ( 1 ) To defraud any person in connection with any security of an issuer with a class of Securities registered under section 12 of the SEC ACT of 1934 ( 2 ) To obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery or any security of an issuer with a class of securities registered under section 12 of the SEC Act of 1934 ( 15 U.S.C. 781 ) or that is required to file reports under section 15 ( d ) of the SEC ACT of 1934- shall be fined under this title or imprisoned not more than XXXX  years.

The fraudulent accounting practices has caused me emotional, physical, and financial stress. B.A.C. XXXX continuous disregard for the SEC of 1934, Emergency Banking Act 1933, Bills of Exchange Act 1882, Privacy Act of 1974, Consumer Bill of Rights 1962, Truth-In-Lending Act 1968, Equal Credit Opportunity Act Regulation B, Uniform Commercial Code, and United States code.

Title 15 U.S.C. 1640, 1611 B.A.C.XXXX and XXXX XXXX XXXX will be held Civilly and Criminally liable for their actions. Title 16 U.S.C. 1635 I was never told about my Right to Rescission as to a certain transaction, nor given the proper Drivetime/B.A.C XXXX  rescission forms. 
Bills of Exchange Act 1882 ( 2 ) Acceptance means an acceptance completed by delivery or notification. Part 43- Dishonor by non-acceptance and its consequences. ( 1 ) A bill is dishonored by non-acceptance ( 2 ) Subject to the provisions of this Act when a bill is dishonored by non-acceptance an immediate right of recourse against the drawer and indorses accrues to the Holder and no presentment for payment is necessary.

12 CFR 1002 Equal Credit Opportunity Act Regulation B. Regulation B protects applicants from discrimination in any aspect of a credit transaction. Any false, misleading language fraud, makes the contract null and void.

16 CFR 313.7 ( a ) A written opt out notice that the company was going to release my non-public personal information, to a non-affilate third party. Privacy Act 1974 violation. ( 1 ) Form of opt out Notice. If B.A.C. XXXX are required to provide an opt out Notice under 16 CFR 313.10 ( a ). B.A.C.XXXX must provide a clear and conspicuous notice to each of its consumers that accurately explains the right to opt under that section.

There are alot more violations I will bring up in my Federal Complaint.

Once again I revoke B.A.C.XXXX their Right to securities interest, right to repossess, any interest or principals. ( Third time ) My main reason for filing another CFPB complaint about the unfair accounting practices and reporting my non-public information to a non-affilate third party.