Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX DATE : XX/XX/XXXX Bridgecrest Credit Corp. XXXX XXXX XXXX XXXX XXXX AZ XXXX RE : XXXX XXXX XXXX XXXX NOTICE I XXXX XXXX do not have a Legal binding contract with BridgeCrest Credit Corp . Nor did I ever received any Vehicle from BridgeCrest Credit Corp. your in violation of my right to privacy, The Mail Fraud Act 1872 and violation Pursuant to 18 USC 1341, Extortion and Fraud. 18 USC 894 .Please send a non disclosure agreement with BridgeCrest Corp . According to the Graham Leech Bailey Act which protects from unfair practices, I am putting BridgeCrest Corp. on Notice.

List of Vioaltions 15 USC 1692 ( a ) abusive and unfair debt collection practices 15 USC 1692 ( f ) unfair practices 15 USC 6802 obligation with respect to disclosure of personal information 15 USC 6802 ( b ) A financial institution may not disclose non public personal information to a non-affiliated third party.

18 USC 894 collection of extension of credit by extortionate means If you fail to honor my request and discriminate against me for exercising my rights that will be a clear violation under the law 15 USC 1681 ( a ) ( 3 ).

Cease and Desist I am continually being harassed by your firm, I am order you to CEASE AND DESIST all further communication email, phone calls, mail, postcards all mail.

You do not have any permission to collect on any Alleged debt, you have no Authority, No verbal or written Consent.

18 U.S. Code 894- Collection of extensions of credit by extortionate means : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( b ) ( 1 ) to collect or attempt to collect any extension of credit, or ( c ) ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means. 
( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection.I have been the victim of identity fraud, This letter is being sent to you that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal Agencies. 

Best regards, XXXX XXXX XXXX ( beneficiary )

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