Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Bridgecrest Acceptance Corporation Attention : Customer Service Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Re : Demand for Resolution of Contract Violations Account # XXXX Dear Sir or Madam, I am writing to formally notify you of multiple violations related to my vehicle purchase and loan agreement with Bridgecrest. After a thorough review of the contract and supporting documents, it has come to my attention that several statutory and regulatory obligations were not met during the processing of my loan. The violations outlined below include substantial breaches of California consumer protection laws and federal guidelines. As a result, I am requesting immediate corrective action to address these issues. 

Violations Identified : XXXX. Failure to Clearly Disclose Optional Product Costs ( California Civil Code 2982 ( a ) ( XXXX ) and Truth in Lending Act ) The contract does not clearly itemize the costs of optional products such as GAP insurance and extended warranties. These costs are bundled into the total financed amount without clear breakdowns, thus failing to comply with the legal requirement for full disclosure of all amounts paid, including optional products. 
Requested Action : Immediate refund or reduction of the financed amount to reflect only the cost of the vehicle, excluding these optional products. 


XXXX. GAP Insurance Timing Violation ( California Insurance Code 1758.96 ) The GAP insurance coverage was applied after the loan term commenced, leaving a gap in coverage during the initial loan period. California law requires that insurance products align with the loans start date. 
Requested Action : Immediate adjustment to the coverage dates and refund of any charges incurred for coverage that did not apply during the initial period. 


XXXX. Misrepresentation of Optional Products as Mandatory ( California Civil Code 1770 ( a ) ( 13 ) and FTC Act ) The contract and salespersons representations implied that GAP insurance and extended warranties were required as part of the loan, even though these are optional products. Such misrepresentation is prohibited under California law and federal consumer protection statutes. 
Requested Action : Removal of these charges from my loan and a full refund for any amounts already paid for these services, along with a clarification that they were not required. 


XXXX. Excessive Late Fees ( California Civil Code 2982 ( k ) ) The contract includes provisions for late fees that exceed the statutory limit of 5 % of the unpaid installment or {$5.00}, whichever is less. 
Requested Action : Reimbursement of any excessive late fees charged, as well as a revision of the contract to ensure compliance with California law moving forward. 


XXXX. Failure to Provide Documents in Buyers Primary Language ( California Civil Code 1632 ) The contract was conducted in English, but it was acknowledged that the purchase was discussed in Spanish. As per California law, all key documents must be provided in the buyers primary language if negotiations occurred in that language. 
Requested Action : A translated copy of the contract and all related documents in Spanish, as well as compensation for any confusion caused by the lack of proper translations. 


XXXX. Failure to Disclose Cooling-Off Period ( California Vehicle Code 11713.18 ) The contract did not disclose my legal right to cancel the agreement within a specific cooling-off period. Under California law, this is a requirement for all retail vehicle contracts. 
Requested Action : A clear acknowledgment of my right to cancel and a formal offer to allow me to exercise this right, if applicable. 



Damages and Legal Precedent Based on previous cases of similar violations, including XXXX XXXX XXXX Auto Sales ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ), I am requesting the following corrective actions : Full refund of all unlawful charges for optional products ( e.g., GAP insurance, extended warranties ). 

Adjustment of my loan balance to reflect only the vehicle price and applicable taxes. 

Compensation for any late fees in excess of statutory limits. 

Refund or compensation for any charges associated with misrepresentations regarding optional products. 

A translated copy of all documents in Spanish, including the loan agreement and related disclosures. 


Based on these violations, I expect the total compensation to be in the range of {$25000.00} to {$300000.00}, depending on the resolution of these issues. I trust this matter will be addressed promptly, and I look forward to your swift response. Failure to resolve these issues within 30 days will compel me to seek further legal remedies, including filing complaints with the California Department of Consumer Affairs and the Federal Trade Commission, as well as pursuing legal action. 

Please contact me immediately at ( XXXX ) XXXX or via email at XXXX to confirm receipt of this letter and initiate the resolution process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation