Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XXXX dispute Subject : Bridgecrest Auto Loan FCRA Violations, Defective Vehicle, and Request to Prevent Unfair Credit Reporting I am submitting this complaint regarding my auto loan account with Bridgecrest for a XXXX XXXX XXXX that was purchased through XXXX. Shortly after purchase, I began experiencing serious mechanical issues with the vehicle. I was directed to use XXXX warranty provider for repairs ; however, the handling of these repairs resulted in further damage to the vehicle, ultimately leading to catastrophic engine failure. I have since been advised that the cost of repair exceeds {$10000.00}. At this time, I have been left with a non-operable vehicle, a substantial loan balance, and no meaningful assistance from either XXXX or the warranty company. This situation has created significant financial hardship that was not caused by negligence on my part, but rather by the sale of a defective vehicle and subsequent improper repair handling. Despite my efforts to address and resolve this matter, I have not received adequate guidance, support, or resolution options from Bridgecrest. Additionally, I am extremely concerned about the potential for premature, inaccurate, or unfair credit reporting associated with this account while I am actively attempting to resolve these issues. Under the Fair Credit Reporting Act ( FCRA ), including but not limited to : - 15 U.S.C. 1681s-2 ( a ) Duty of furnishers to provide accurate information - 15 U.S.C. 1681s-2 ( b ) Duty to investigate disputed information - 15 U.S.C. 1681e ( b ) Requirement to ensure maximum possible accuracy - 15 U.S.C. 1681i ( 611 ) Right to dispute inaccurate or incomplete information Bridgecrest is required to ensure that any information furnished is accurate, complete, and not misleadingespecially under circumstances involving disputed liability and third-party fault. At this time, I formally request the following : - A complete account history and payment ledger - Documentation of all notices sent, including any default, repossession, or deficiency notices as required by law - A detailed breakdown of the total amount allegedly owed, including all fees and calculations - Written confirmation of whether this account has been reported or is scheduled to be reported to any credit bureau Additionally, I request that Bridgecrest : - Place a hold on any negative credit reporting while this matter is under review - Provide all available hardship, deferment, or settlement options- Conduct a thorough investigation into this matter considering the defective condition of the vehicle and third-party repair failures- Ensure compliance with all applicable federal and state consumer protection laws Remove account from credit report for Inaccurate reporting I am acting in good faith to resolve this matter and expect a prompt and complete response. If this issue is not addressed appropriately, I am prepared to pursue further action to protect my rights

Company response to consumer: Closed with explanation