Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Continuation of Complaint Bridgecrest ( formerly XXXX/BridgeQuest ) Re : Failure to Respond, Failure to Provide Legally Required Notices, and Improper Repossession Procedures To Whom It May Concern, This letter is a continuation and expansion of my original complaint regarding the handling of my account, the repossession of my vehicle, and Bridgecrests continued failure to provide timely and accurate communication despite multiple attempts on my part. As of today, Bridgecrest has not responded to any form of communication related to my written requests, my reinstatement inquiries, or my report of missing emails. This includes : CFPB confirming your response is now past due, Complaint ID XXXX, submitted XX/XX/year>. 
No written response from Bridgecrest despite CFPB forwarding the complaint and allowing you the full response window. 
Failure to acknowledge or correct communication errors, even after your own representative verified that emails claimed to have been sent were never actually received on my end. 
Failure to respond to reinstatement questions after providing inconsistent numbers and directing me to departments that either do not answer or close before most working adults can reasonably reach them. 

1. Documented Payment History ( PROOF OF ACTIVE ACCOUNT & GOOD-FAITH EFFORTS ) I have provided evidence including email confirmations and payment receipts showing that : A {$550.00} payment was made on XX/XX/XXXX. 
A {$240.00} payment was made on XX/XX/XXXX. 
I have automated payments scheduled and historically have maintained regular payments. 
I also received multiple payment reminders from Bridgecrest, including XX/XX/XXXX, which further proves there was active communication on your end regarding payment, yet no communication whatsoever regarding repossession, deficiency notices, or reinstatement options until after the vehicle was already towed.

2. Improper and Conflicting Notices Bridgecrest issued a Notice of Disposition and Intent to Sell dated XX/XX/year>, stating an auction date sometime after XX/XX/year>. 
Meanwhile, I was still receiving standard payment reminders asking for XXXX XXXX payment which I paid. 

At no point prior to the repossession did I receive : A cure notice A late-payment notification beyond standard reminders Any communication about a repo date Instructions on reinstating the account before the tow This contradicts UCC Article 9 requirements and Arizona repossession laws requiring commercially reasonable and timely notice.

3. Inability to Reach Required Departments I was instructed to contact your reinstatement/impound partner. 
When I called the number provided, they stated they operate XXXX and close at XXXX XXXX  making it virtually impossible for working customers to access the required documents or retrieve their vehicle. 

This is an unreasonable barrier to reinstatement and redemption, especially while the clock is running on storage fees and auction deadlines.

4. Lack of Proper Email Communication I requested copies of all emails claimed to have been sent.

Your representative confirmed in writing that those emails were not delivered to my inbox despite notes stating they were sent.

Because Bridgecrest relies heavily on email for notices, this is a critical failure and supports the position that : Required notices may not have been delivered.

Instructions and options were never properly communicated.

I was deprived of my right to reinstate or redeem the vehicle in a timely manner.

5. Requested Resolution As previously stated, a
fair and reasonable resolution includes : 1. Return of my vehicle at no additional cost to me.

2. Reinstatement of my loan under the terms and payment schedule already in place.

3. Removal or reimbursement of all towing, storage, and retake fees, as these were incurred due to improper or insufficient notice. 4. Correction of all internal communication errors and verification of what emails were actually sent.

5. A full written accounting of : all notices sent, dates and times, delivery method, and copies of the exact content of each communication.

Bridgecrests failure to communicate, failure to provide required notices, and failure to respond to the CFPB has placed me in a materially unfair position. I am continuing this complaint to ensure the matter is fully documented. 

I expect a complete written response within the required timeframe. 

XXXX XXXX, XXXX. 
( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation