Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I am submitting this formal complaint against Bridgecrest Acceptance Corporation and its contracted repossession agency, XXXX XXXX XXXX XXXX, for engaging in an unlawful repossession attempt in violation of Arizona law, resulting in trespass, breach of the peace, property damage, and personal injury. On XX/XX/year> between the hours of XXXX and XXXX AM, an agent acting on behalf of Bridgecrest Acceptance Corporation entered a secured, non-public private area without permission in an attempt to repossess my vehicle. This area was gated and not open to the public. Their entry constituted criminal trespass under A.R.S. 13-1502 and/or 13-1503, which prohibit knowingly entering or remaining unlawfully on real property. During the repossession attempt, the agents committed a clear breach of the peace, in violation of A.R.S. 47-9609, which governs secured transactions and expressly permits repossession only if it can be accomplished without breach of the peace. Entering a secured area, causing damage, and engaging in dangerous conduct clearly violates this standard. Specifically : The repossession agents caused physical damage to my vehicle during the attempted XXXX They damaged private property while unlawfully accessing the secured premises The repossession driver ran over an individuals foot, causing bodily injury and demonstrating reckless disregard for safety Law enforcement responded, and the incident is documented under Police Report No. XXXX. Additionally, the conduct described may constitute negligence and reckless endangerment under XXXX. XXXX, as well as civil liability for personal injury and property damage. It is well-established that a secured creditor and its agents lose the legal right to repossess when their actions result in a breach of the peace. The actions taken hereincluding trespassing onto secured property and causing injuryare clear violations of Arizona law and exceed any lawful repossession authority. As the principal, Bridgecrest Acceptance Corporation is legally responsible for the actions of the repossession company it retained. Their failure to properly supervise and ensure lawful conduct demonstrates negligence and disregard for consumer protection laws. Despite the severity of this incident, I have not received any meaningful resolution or accountability from the finance company. As a direct result of this unlawful conduct, I have suffered : Damage to my vehicle Damage to private property Lost Wages Physical injury to an individual involved Emotional distress and ongoing safety concerns I respectfully request that the Arizona Attorney Generals Office : Conduct a formal investigation into Bridgecrest Acceptance Corporation and XXXX XXXX XXXX XXXX for violations of Arizona law Determine whether enforcement action is warranted under applicable consumer protection statutes, including the Arizona Consumer Fraud Act ( A.R.S. 44-1522 ) Hold all responsible parties accountable for unlawful repossession practices Assist in facilitating compensation for damages and injuries Take appropriate action to prevent further violations and protect the public I am prepared to provide supporting documentation, including : Police report ( No. XXXX ) Photographic and video evidence Repair estimates and invoices Medical records Witness statements This incident raises serious concerns regarding unlawful repossession practices and public safety risks. I respectfully request prompt review and action on this matter. Thank you for your attention and assistance

Company response to consumer: Closed with explanation