Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Subject : Notice of Default, Intent to Sue, and Sixth Complaint Regarding Bridgecrest Acceptance Corporations ' Ongoing Violations of CFPB and Federal Regulations Complaint Summary : This is my sixth complaint to the CFPB regarding Bridgecrest Acceptance Corporations continued disregard for federal compliance standards related to debt validation, disclosures, and my right to rescind the contract. Each complaintnumbered XXXX, XXXX, XXXX, XXXX, and XXXX been dismissed by Bridgecrest without providing lawful responses. Recently, Bridgecrest labeled my legitimate consumer rights requests as frivolous and has not provided critical initial disclosures, resulting in multiple regulatory breaches and a Notice of Default and Intent to Sue mailed today. 

Ongoing Violations Failure to Provide Initial Disclosures ( XXXX Initial Disclosures ) : At the outset of the financing agreement, Bridgecrest failed to provide required initial disclosures detailing key financial terms, fees, and account setup information as mandated by XXXX. This initial lack of transparency prevents me from understanding my financial obligations and violates foundational consumer protection requirements. 
Inadequate Debt Validation ( XXXX Notice for Validation of Debts ) : Despite my requests, Bridgecrests provided documentation that fails to meet XXXX XXXX standards, which requires clear and complete disclosure of the current debt amount, creditors name, assurance of consumer rights to dispute, and a statement under penalty of perjury. Their partial documentation does not fulfill debt validation requirements, a significant breach of the Fair Debt Collection Practices Act ( FDCPA ).

Denial of Right of Rescission ( XXXX XXXX of XXXX ) : I have requested to exercise my right of rescission as allowed under XXXX. However, Bridgecrest has disregarded my rescission rights, furthering the impression of non-compliance with the Truth in Lending Act and consumer protection requirements. Additionally, I wish to clarify that providing the requested documentation does not re-establish any contractual obligations on my part, as I have legally rescinded this contract. 
False, Deceptive, and Misleading Representations ( XXXX False, Deceptive, or Misleading Representations ) : Bridgecrest communications falsely suggests that I waived consumer rights without any opt-out option in the agreement, while failing to clarify the current debt amount per XXXX requirements. This deceptive conduct is unlawful and constitutes misrepresentation. 
Bridgecrest continual refusal to validate debt ( ( 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance ) details and fulfill initial disclosure obligations, even after multiple CFPB complaints, demonstrates willful noncompliance. Under XXXX, this intentional disregard of consumer rights permits me to seek civil remedies. 
Their Harassing and Abusive Conduct ( XXXX Harassing, Oppressive, or Abusive Conduct ) shows their Lack of Verification of Collection Rights. After my formal dispute, Bridgecrest has not provided evidence of their right to collect, nor a copy of any judgment. The absence of such verification fails to meet legal requirements and casts doubt on their standing. Furthermore, the Identification of Current Creditor remains unclear. Bridgecrest responses have failed to clearly identify the current creditor or any subsequent assignment details. This lack of transparency obstructs my ability to confirm the legitimacy of their collection rights. 

My Complaint History and Dismissive Frivolous Label : My past complaints ( # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ) have each been closed by Bridgecrest without satisfactory resolution. Their recent response labels my complaints as frivolous while ignoring their failure to provide clear validation as required by law. This dismissive response demonstrates their lack of intent to resolve the issues in compliance with federal law. By labeling my legally grounded complaints as frivolous and continuing to threaten adverse action without proper validation, Bridgecrest engages in harassing behavior prohibited under XXXX. This conduct has caused undue stress and constitutes an abuse of authority. This response further shows a disregard for compliance and highlights the need for regulatory intervention. Their Repeated Threats of Legal Action Without Proper Validation while avoiding the legally mandated debt validation process, is an unfair practice under the FDCPA and their continued silence is considered acquiesce. 
A Notice of Default and Intent to Sue was mailed to Bridgecrest along with a third request for lawful debt validation and fulfillment of disclosure obligations. Bridgecrest Notice of Determination of Frivolous or Irrelevant Dispute, dismissing my legally justified complaints, underscores their continued non-compliance and failure to follow debt collection standards as well as continuously to not provide a clear and conspicuous disclosures to my right to opt out to consumer reporting pursuant to XXXX Limits on disclosure of nonpublic personal information to nonaffiliated third parties, as the consumer agencies are not bureaus but regular people and a nonaffiliated third party that illegally bought my data and created a profile against my knowledge and consent. 

Failure to Communicate by Mail Bridgecrest responses were just sent by email and posted in their response to the CFPB, disregarding my need for official mailed communication for documentation and record-keeping. I request CFPB assistance in enforcing proper communication channels to uphold transparency and accountability. 

Requested Actions To resolve these issues, I request CFPB assistance in compelling Bridgecrest to : Provide complete initial disclosures per XXXX, ensuring I am fully informed of account terms and conditions. 
Comply with XXXX by providing full debt validation documentation, including the debt amount, creditors identity, verification details, and a statement under penalty of perjury. 
Process my rescission request according to XXXX and provide necessary information for record-keeping. 
Cease harassing and misleading communications and formally retract their frivolous designation on previous complaints. 
Address my request for all future correspondence to be sent by mail.

Company response to consumer: Closed with explanation