Consumer complaint received 2025-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am filing this complaint against Bridgecrest for unlawfully repossessing my vehicle and failing to comply with state and federal laws governing repossessions, post-repossession notices, and accurate credit reporting.

1. Violation of UCC 9-614 ( Uniform Commercial Code Notification Before Disposition of Collateral ) Under UCC 9-614 , a secured party ( Bridgecrest ) is legally required to provide a clear and timely Notice of Disposition after repossessing collateral ( my vehicle ). This notice must include : The method of intended disposition ( public sale, private sale, etc. ) The time and place of any public disposition or the time after which a private disposition will be made A description of any deficiency liability or surplus entitlement A telephone number for inquiries about the disposition and the redemption amount Bridgecrest failed to provide me with this notice in the proper form and within the required time frame. This omission is a direct violation of UCC 9-614 and deprived me of my right to redeem my vehicle, bid on it, or ensure the sale was conducted in a commercially reasonable manner.

2. Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 Bridgecrest is continuing to report the repossession on my credit report despite their failure to follow legally required procedures for the repossession and sale. The FCRA requires that all furnished information be accurate and complete. Reporting a repossession that was conducted in violation of the UCC is inherently inaccurate and misleading, damaging my creditworthiness.

3. Violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e & 1692f If Bridgecrest is acting as a debt collector in this matter, their actions also violate the FDCPA by : Using false, deceptive, or misleading representations about the debt ( 1692e ) Attempting to collect an amount not permitted by law due to the improper repossession and sale process ( 1692f ) 4. Harm and Ongoing Impact Because of Bridgecrests unlawful repossession and their failure to comply with required procedures, the repossession is still showing on my credit report. This has directly prevented me from obtaining reliable transportation, as I am unable to qualify for another auto loan. The negative reporting has caused me financial hardship, limited my mobility for work and family responsibilities, and continues to damage my credit standing.

Requested Resolution : Immediate removal of the repossession from my credit reports with all credit reporting agencies Written confirmation that Bridgecrest acknowledges their failure to comply with UCC 9-614 and other applicable laws Cessation of any collection activity on any alleged deficiency balance resulting from the unlawful repossession Bridgecrests disregard for my consumer rights under both state and federal law has caused significant and ongoing harm. I am requesting that the CFPB investigate this matter and take appropriate enforcement action.

Company response to consumer: Closed with explanation