Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I am filing a complaint against Bridgecrest Acceptance Corporation regarding the inaccurate and misleading reporting of my auto loan account for a XXXX XXXX XXXX ( Account # : XXXX | XXXX ending in XXXX ). 

On XX/XX/XXXX, I received a payoff quote from Bridgecrest in the amount of {$16000.00}, valid through XX/XX/XXXX. This communication clearly indicated that the account could still be resolved in full through payment with no mention of repossession. 

Just XXXX days later, on XX/XX/XXXX, I received another email stating that the vehicle would be assigned for repossession on XX/XX/XXXX and that I owed {$2000.00}. However, this lower amount was not a revised payoff it was the amount required to bring the account current, not to satisfy the full loan. This contradiction reflects a lack of transparency and consistency in Bridgecrest 's communication and accounting practices. 

The vehicle had already been towed around XX/XX/XXXX, following an accident. It was taken to XXXX XXXXXXXX XXXX XXXX, a tow yard. I did not select or arrange this location I was contacted by the shop after the accident and informed that my vehicle had been taken there. I was also told I could come retrieve my license plates, which confirmed the vehicle was in their possession. 

In XXXX, when I contacted the same facility again, I was informed they had no record of the vehicle ever being there. The shop had since undergone new management, and no one could verify whether Bridgecrest had ever picked up or claimed the car. 

In XX/XX/XXXX, I spoke directly with a representative at Bridgecrest, who openly admitted that the company had never recovered the vehicle and had ultimately abandoned it due to the high cost of storage. They even confirmed the last known location the same collision center where it had been towed. Despite this admission of abandonment, Bridgecrest is still reporting the account as a charge-off on my credit reports, despite never repossessing, selling, or legally closing out the contract. 

On XX/XX/XXXX, I received a new payoff letter from Bridgecrest showing a balance of {$15000.00}, but it did not include any of the legally required documentation, such as : A repossession confirmation A notice of sale or auction A deficiency balance calculation A final accounting of proceeds from a vehicle sale Any documentation validating possession or lawful abandonment of the vehicle Additionally, I sent a certified dispute letter and email on XX/XX/XXXX, requesting validation of the debt and all related documentation. As of today, Bridgecrest has not responded. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report only accurate, complete, and verifiable information. Bridgecrests failure to recover the vehicle, inconsistent communications, and lack of legally required documentation make this account inaccurate and misleading. 

I am requesting that this account be fully deleted from all three credit bureaus ( XXXX XXXX XXXX XXXX ) and that Bridgecrest cease all collection efforts, unless they can provide lawful documentation of repossession, vehicle sale, or formal abandonment which they have already admitted does not exist. 

Their admission of abandonment, combined with the complete absence of legal repossession, sale, or proper notice, makes any continued collection or reporting a direct violation of the FCRA and the Uniform Commercial Code ( UCC ), which governs secured property. Bridgecrest can not lawfully collect or report on a debt they chose not to reclaim, resolve, or document. 

The payment reported on XX/XX/XXXX is false. I did not make any payment and did not have possession. The vehicle was towed in early XX/XX/XXXX following an accident and was never recovered by Bridgecrest because it was due for repossession. A representative later confirmed on a recorded call that they abandoned the vehicle to storage costs and never repossessed or sold it. This alleged payment misrepresents the status of the account and supports claims that their reporting is both inaccurate and misleading under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation