Consumer complaint received 2025-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
This complaint concerns the repossession and sale of a XXXX XXXX XXXX XXXX, financed through Bridgecrest. I believe Bridgecrest has violated my rights under the Uniform Commercial Code ( UCC ) and Florida law by failing to conduct a commercially reasonable sale and by refusing to provide required documentation. 

The main person on the vehicle got it repossessed. We live in two different states. I got a letter I have a right to Public Sale on XX/XX/XXXX that i had 10 days to mail it in that I would like to do this. I mailed my CERTIFIED letter to them on XX/XX/XXXX, within 10 days. Since the car was repossessed in Florida i went based off Florida law ( Florida law under UCC 679.613 and 679.614 supports this interpretation. ) that I was to still send this in. They tried to tell me that it had to be Received within 10 days. I challenged them. They gave me the sale. I get a letter dated XX/XX/XXXX that the sale was only {$5000.00}. According to reliable sources my car should be at LEAST $ XXXX {$9000.00} dollars. So i sent a letter back CERTIFIED on XX/XX/XXXX ( the day i received the letter ) to please provide me a detailed condition report of the car, photographs of the car prior to sale, and documentation of the sale : where & how it was advertised, number of bids and offers, and method and date of the sale. Basically PROOF that my sale was conducted FAIRLY. Over the phone after a MONTH of waiting for a response ( I recorded the call ) they told me my letter doesnt mean i owe them anything and they dont have any of the information im requesting. They sent me a letter again of number they couldve made up for all i know about the expenses of everything and what I owe. A math sheet basically. Still no proof that my sale was conducted fairly. If they can not provide it this will be my next step. 

Timeline of Events : XX/XX/XXXX I received a Right to Public Sale letter stating I had 10 days to respond. 

XX/XX/XXXX I mailed my certified response, within the 10-day window, electing my right to public sale. Bridgecrest initially claimed it must be received within 10 days, but under Florida UCC 679.613 and 679.614, my mailing within 10 days was valid. 

XX/XX/XXXX After challenge, Bridgecrest allowed the public sale. 

XX/XX/XXXX I received a letter stating the vehicle sold for {$5000.00}. Independent market values showed the car should have sold for {$7000.00} {$9000.00} given mileage and condition. 

XX/XX/XXXX I mailed a certified letter requesting : A detailed condition report of the car prior to sale Photographs of the car prior to sale Documentation of how the sale was conducted ( advertising, number of bids/offers, date, method ) Proof that the sale was conducted fairly and in good faith XX/XX/XXXX ( Phone Call ) After weeks of no response, I called Bridgecrest. I recorded the call where their representative admitted they did not have the information I requested and that my letter doesnt mean I dont owe them. 

XX/XX/XXXX I received another letter ( attached ) that only provides a phone number to call but still fails to provide any of the documentation I formally requested. 

Issues/Violations : Failure to provide sale documentation Bridgecrest has not supplied proof that the sale was commercially reasonable, as required under UCC Article 9. 

Failure to provide vehicle condition report/photos Without this, I can not verify the claimed {$5000.00} value was fair. 

Unfair collection practices Bridgecrest continues to demand payment based only on a math sheet without substantiating the fairness of the deficiency balance. 

Delays and lack of transparency Despite certified letters and multiple follow-ups, I have not received legally required documentation.

Consumer Impact : Without this information, I can not verify the accuracy of the alleged deficiency balance. Bridgecrest is attempting to hold me liable for thousands of dollars without proving the vehicles value, sale method, or fairness of the transaction. This creates financial and legal harm. 

Desired Resolution : Provide all documentation regarding the sale, including : Condition report and photographs prior to sale Proof of advertising/marketing of the sale Number of bids and offers received Date, time, and method of sale Correct any deficiency balance if the sale was not conducted in a commercially reasonable manner. 

Halt all collection activity until this documentation is produced. 

Require that all communication and documentation be provided through the CFPB complaint portal or in writing, not by phone. 

I AM REUPLOADING MY CASE AS BRIDGECREST IS TRYING TO HANDLE THINGS ON THE SIDE OVER THE PHONE.

Company response to consumer: Closed with explanation