Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I am filing a formal complaint against XXXX, XXXX and its financing arm, Bridgecrest Credit Company, for systemic data negligence resulting in the wrongful repossession of my vehicle on XX/XX/XXXX, and the failure to title and register the vehicle for over 60 days. 1. Origination Data Corruption & Notice Failure : On XX/XX/XXXX, I executed a Retail Installment Contract for the vehicle. The signed contract explicitly lists my correct legal residence. Despite possessing and legally binding themselves to this correct address, Bridgecrest corrupted my contact data during their internal account boarding process. Consequently, they mailed all billing statements, late notices, and statutorily required Right-to-Cure notices to a fabricated address, systematically depriving me of my right to standard account correspondence. XXXX. Wrongful Repossession of a Current Account : Despite receiving no notices due to their internal error, I submitted an ACH payment of {$1700.00} via the Bridgecrest online portal on XX/XX/XXXX, at XXXX XXXX EST. Bridgecrests own portal generated a ledger transaction explicitly timestamped " Posted : XX/XX/XXXX '' showing my past-due balance was exactly {$0.00}. The default was legally cured and acknowledged by the creditor 's system on XX/XX/XXXX. While my bank statement reflects the standard next-day ACH settlement network clearing date of XX/XX/XXXX, the transaction was authorized, posted, and credited to the account balance on XX/XX/XXXX. Despite their system showing a {$0.00} balance, Bridgecrest failed to halt their recovery order due to gross operational latency with their third-party dispatch board. On XX/XX/XXXX, at XXXX XXXX ESTnearly XXXX hours after the account was brought currenttheir agent executed a physical repossession. Seizing a vehicle on a current account violates Uniform Commercial Code ( UCC Section 9-609 ), and Bridgecrest is attempting to extort a {$600.00} fee for their own system delay. XXXX. The Cover-Up : On XX/XX/XXXX, XXXX exact day they unlawfully seized my vehicleBridgecrest personnel recognized their initial data ingestion error and quietly updated my system address to my correct residence in an attempt to cover their tracks. XXXX. XXXX Day Registration Failure : Furthermore, XXXX has failed to process my title and registration. I purchased the vehicle on XX/XX/XXXX, and over 60 days later, they have failed to register the truck, placing me in immense legal jeopardy. XXXX voluntarily surrendered their in-state dealer license in XXXX for these exact titling violations, and they are currently exploiting an out-of-state dealer license to conduct interstate sales while repeating the same negligent practices. I have attached the original contract showing my correct address, the bank confirmation showing the transaction, the XX/XX/XXXX portal ledger showing a {$0.00} balance, and correspondence proving the XXXX day registration delay.

Company response to consumer: Closed with explanation