Bridgecrest Acceptance Corporation has violated the law and has been deceptive. They did not follow The Truth In Lending 15 usc 1601 and have been lying about the finance charge 15 usc 1605. They are trying to collect cash in a consumer credit transaction with a finance charge involved. I even asked them to validate the debt 15 usc 1692g because in the initial communication they did not and they still have not. I also neve. I have let them know about their violations with a affidavit. They did not rebut the violations but just claimed they felt like they did nothing wrong, instead of thoroughly investigate the matter. Now they are threatening to take my car illegally. So now I will send a last affidavit stating these violations, a exhibit, and a final notice. I just want them to respect my consumer rights and the federal law.