Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this final notice regarding my ongoing dispute with Bridgecrest concerning my stolen and impounded vehicle. After more than XXXX months of attempting to resolve this matter in good faith, I am formally notifying Bridgecrest that their conduct throughout this process has been unacceptable, deceptive, and potentially violative of my consumer rights. Bridgecrest has repeatedly claimed that they are willing to work with my insurance company. This statement is demonstrably false. My insurance company has informed me that Bridgecrest continues to ignore their phone calls, attempts at communication, and efforts to settle this claim. Despite my continuous attempts to facilitate communication between the parties, Bridgecrest has created unnecessary barriers at every stage of this process. Additionally, Bridgecrest continues to push me toward verbal phone communication despite the fact that I have never once spoken to the same representative XXXX. Each interaction requires me to repeat the entire history of this matter from the beginning, with no continuity, accountability, or documentation. This has resulted in months of confusion, delays, misinformation, and emotional distress. I have repeatedly requested written communication and documentation so there is a clear and accurate record of what is occurring. Bridgecrest has consistently failed and/or refused to provide this. Further, Bridgecrest has refused to provide the identifying information of the agents or representatives who responded to my prior complaints, despite my explicitly informing them that this information is needed for insurance and legal purposes. They continue withholding critical documentation and information that I have requested numerous times, including documentation substantiating their authority and actions regarding my vehicle. I am the victim in this situation. My vehicle was stolen. Despite this, Bridgecrest has treated me as though I am the problem while actively obstructing efforts to resolve the matter. I am currently a graduate student and do not have the time, resources, or ability to continue acting as a middleman between Bridgecrest and my insurance company because Bridgecrest refuses to communicate appropriately or professionally. I have spent over XXXX months going in circles with this company with absolutely no meaningful progress due to what appears to be either gross incompetence or deliberate obstruction. At this point, the matter has become entirely exhaustive. I will no longer continue engaging in repetitive phone calls, contradictory statements, and bad-faith communication practices. I have formally filed legal complaints regarding this matter and am currently being advised by a team of consumer rights attorneys. I want nothing further to do with Bridgecrest as a company. Based on my experience, I believe their conduct throughout this matter has been deceptive, predatory, and in violation of consumer protection standards. I have done absolutely everything within my capacity to settle this matter appropriately and in good faith. Bridgecrest, however, has continued to act in a willfully ignorant and deceitful manner. I have been advised that if Bridgecrest chooses to sell my vehicle after refusing to reasonably cooperate in resolving this claim, I should not be held responsible for any further charges, balances, deficiencies, or related financial obligations arising from their actions. Any such attempt to collect additional funds from me after this documented pattern of obstruction and refusal to cooperate will be disputed aggressively. This correspondence also serves as notice that I will be mailing Bridgecrest a final written notice letter at the end of the day on XX/XX/year>. That letter will provide Bridgecrest with XXXX final opportunity to produce ALL previously requested documentation and information in writing. This includes, but is not limited to, records supporting their claimed authority to repossess and retain the vehicle, documentation relating to communications with insurance, account records, itemized charges and fees, recovery records, possession records, and all other materials previously requested throughout this dispute. If Bridgecrest fails to comply with this final request, I will consider the matter escalated beyond informal resolution. Any further attempts to contact me without providing the requested documentation, particularly repeated phone calls or collection-related communications, will be documented and treated as harassment and further evidence of bad-faith conduct, with additional legal consequences to follow. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation